23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I mailed my Capitol one check, for XXXX dollars to XXXX XXXX services for payment on my XXXX XXXX, someone, somehow got my check and endorsed the back of check XXXX, and deposited in there personal account,, I became aware of this fraud on XXXX,, I immediately went to my bank ( Capitol one ) on XXXX XXXX, XXXX, New York, I was advised by the teller to call Capitol one and report this. 
On XXXX I called Capitol one and spoke to XXXX who told me a folder will be opened and someone from Capitol one fraud dept will contact me. 
Having not heard from bank by XXXX, I called Capitol one again and spoke to XXXX, who transferred me to XXXX from security, who told me its still a ongoing investigation. 
On XXXX I again called Capitol one and spoke to XXXX who told me she will put a note in my file and a representative from Capitol one will contact me. 
On XXXX I contacted Capitol one again and spoke to XXXX, who stated that Capitol one has requested, from other bank, that the said funds, XXXX, be returned As of today XXXX, I have not received any of my money back, I have never been contacted by anyone from Capitol one, not a text, not a email, not a phone call,, and Capitol one does have all my information .as stated before, as soon as I found out about this crime, I notified my bank and followed exactly what they told me to do, I would appreciate any help you might render in assisting me with getting what is rightfully mine, since Capitol one have been useless this far!
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX account # XXXX / XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Kohls was one of my credit cards with the longest credit history since XXXX and kohls closed it negatively effecting my credit history while building my credit after bankruptcy in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a tower loan issue with Equifax over and over. On Equifax website and XXXX XXXX website, it reads secure loan from XXXX XXXX. I got a unsecured loan from them! It has been removed from my XXXX credit and I'm waiting on XXXX. Clearly at the time I had nothing to secure the loan with this I know. 
I'm just trying to clear up the situation without taking legal steps. Also before I even dispute my report my credit score was higher and when my dispute got declined they took XXXX points from me.
Product: Credit reporting or other personal consumer reports

XXXX Fraud Victim Assistance XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file ; as per FCRA guidelines subsection 605b. Please see a NEW FTC Identity Theft Affidavit, as well as my FBI IC3 police report. 

Accounts : XXXX XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is not mines and is reporting inaccurately. 

DIVERSIFIED ADJ SVC XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My service for XXXX XXXX was cancelled on XX/XX/XXXX. I had been a customer with 100 % on time payments since XX/XX/XXXX. My final bill was paid through XX/XX/XXXX. I understood that there was a termination fee given I was six days short of an equipment contract. 
I opened a dispute with my credit card company on XX/XX/XXXX for {$70.00} detailing the above. XXXX never disputed my claim. In a letter dated XX/XX/XXXX from XXXX XXXX I was informed that they were hired to collect a debt of {$150.00}. I responded to this with a certified letter requesting documentation of the amount due and copied XXXX as well. On XX/XX/XXXX I paid what I thought was my final payment to XXXX for {$88.00} for the early termination ( which also seemed incorrect. On XX/XX/XXXX I received a notice of debt from XXXX XXXX XXXX for {$70.00}. I requested the same information from them and still no response. On XX/XX/XXXX I was alerted to a negative credit item on my Experian credit report. I disputed it, sending all the documentation I have described. They closed it saying updated but no changes or explanation was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to two different representatives at TransUnion XXXX XXXX XXXX in reference to a recent drop in my credit score of 35 points with a decrease in my debt of over {$3100.00}. Upon speaking with the two different representatives, they could not explain why my score dropped 35 points. I also have a excellent paying on-time record without negative impacts to my score. I immediately requested to be transferred to a supervisor. Upon speaking with a supervisor, she could not provide me with any information that would explain what had happen. The only thing that she said that made since was that they use a electronic scoring device that might need to be changed or could need some updating. She also told me that if I had a complaint, I could notify the CFPB ( this company ) and she had given me the number to the CFPB. With this drop in my credit score, ( that I have worked so hard to pay off my debt and kept paying my payments on time and sometimes paying over the monthly payment amount, paid off several accounts in full ) shows me that the more I pay the lower my score. That is absolutely not so! I would like a full investigation of this matter so that I will get an accurate credit report in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX went from XXXX to XXXX for no apparent reason, I only have XXXX lines of credit and they all get paid on time and don't build up at all. Then XXXX days ago it went down another XXXX points, I went XXXX to XXXX in a short amount of time. This has NEVER happened before and it's leaving me to wonder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted requests to all three credit bureaus about this issue with XXXX XXXX but have not received the appropriate update to my credit file. 
In XXXX My vehicle was towed by authorities in Arizona . I live in California. When i returned home i was expecting a notice to locate my vehicle to buy it back as that is my right under California law. I never received the notice of Seizure from XXXX XXXX, I never received first class mail of the intent to sell the vehicle fro anyone to my residence. I never received proof of the right to redeem from anyone and I never received where the vehicle was sold. I have been in contact with XXXX XXXX   for years and they can not provide me the proper information regarding the notices I was suppose to received and they keep referring me to XXXX XXXXXXXX XXXX XXXX for a balance when I have not contract or business dealing with this third party. Now, my credit file is being marked as negative monthly and this should not be the case as they have not provided the proper documents under California law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
Product: Debt collection

XXXX XXXX XXXX, XXXX, XXXXXXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B 15 USC 1681c-2 that you Transunion credit reporting agency block information appearing on my consumer report that is the result of identity theft and fraud upon receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXXXXXX XXXX Acct # XXXX balance {$2100.00}, XXXX XXXX XXXX Acct # XXXX balance {$500.00}, XXXX Acct # XXXX balance {$4200.00}, XXXX XXXX XXXX Acct XXXX XXXX balance {$1900.00}, XXXX XXXX  Acct # XXXX balance {$1500.00}. I do not recognize the forementioned accounts, collections as reported. I have attached a copy of FTC Identity Theft Compliant # XXXX as proof from the US Federal Trade Commission that all of these accounts and collections are result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed two credit inquiries on my credit report in the past two weeks that I did not make. One, to XXXX XXXX on XX/XX/XXXX, resulted in a XXXX being sent to me. I contacted them and they cancelled it. They then recommended I contact this site. 

The other one, from XXXX XXXX XXXX XXXX XXXX XXXX, I have not yet contacted.
Product: Mortgage

In XXXX of XXXX my Mother passed away suddenly. She and I had been living in a house which was in her name since XXXX. She left me this house in her Will, which I immediately had to get an attorney to go to probate court to get the house put in my name. This did n't fully happen until XXXX of XXXX. I paid the house note by myself up until XXXX of XXXX. I tried to catch it up in XXXX of XXXX, but my payments were returned to me by Nationstar Bank. ( XXXX XXXX XXXX sold my loan to Nationstar in XXXX of XXXX, and they said I was missing a payment then, but I told them I made the payment, they just lost it. ) They hounded me and hounded me from XXXX XXXX until XXXX XXXX. This is when they sent me a letter stating they were going to foreclose on me if I did n't come up with like {$18000.00} for two months notes and fees, etc. There was no way I could do this. I tried several avenues to try to get the house refinanced and all of them fell through. My credit was n't good enough. I filed bankruptcy Chapter XXXX in XXXX hoping this would help me be able to get back on track with my mortgage payments, but Nationstar refused to work with me. I began getting threatening letters from them stating they had attorney 's who would be foreclosing on me. Finally in XXXX of XXXX I got a letter from them stating they would be putting the sale of my house in the paper three days in XXXX. I panicked and found an attorney who would help me put a stop to this. So he filed Chapter XXXX which put a stop to the sale of the house the day before. However, the house then went to the hands of the Trustee 's office for me to begin making payments to them for the house, my car and arrearages on the house. This is totalling {$1900.00} per month just to keep my house and my car. I only bring home {$2600.00}. I do n't know what to do anymore. If I cancel the bankruptcy then I lose the house and car, if I continue on with these payments ( which they are garnishing my check for ) I wo n't ever have any money for other things. I 'm between a rock and a hard place. I do n't which way to turn. 
Please someone help me. Thanks, XXXX
Product: Debt collection

A company identifying themselves only as " Halstead Financial Services '', through robocalls from multiple numbers, listed below, with dates and times, is calling, and leave a message, transcript below. Attempts to contact them have been unsuccessful to date. 

The phone call is : " This message is solely intended. XXXX. NAME. If you are not. NAME. Please hang up now and disregard this message file number XXXX which was placed with Halston Financial Services has been escalated to our final review department due to a lack of a response from the required responded. XXXX full review of this file is being conducted by XXXX of our Loss Mitigation Specialist and a recommendation actions work line is a minute. In order for your personal statement to be included in this review press XXXX now to speak to the representative responsible for conducting this review or call XXXX XXXX XXXX XXXX immediately upon receipt of this message. Failure to respond will result in our recommendation being submitted to our client without your personal statement being included. " Dates, times, and phone XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have ask several times for the mortgage company ( XXXX XXXX ) to report my account correctly ... they continue to tell me that they are but they are not! i have never been late with this account. They do not even service this account anymore and on my equifax report it shows that they do and that it is open and late. They even tell me they do not service it anymore. XXXX XXXX  is who services my account is what they tell me ... well i know that and they are showing on my bureau open and never late but so is XXXX who used to service my account but it is showing late. I WANT THIS OFF OF MY EQUIFAX REPORT! IT IS NOT TRUE AND THEY ARE HARMING MY CREDIT!
Product: Credit reporting

I noticed in last month, XX/XX/XXXX, that our time share company showed up on our credit report and with payment history. Cool, I have no problem except when I looked at it I noticed late payments! XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XX/XX/XXXX XX/XX/XXXX ) hows late XXXX days. I have made all my payments and currently I 'm working to get a mortgage and this is how I found out. They showed me and no I ca n't get a house. This was not on my credit over month ago and suddenly it shows. Experian is reporting inaccurately. I sent them a letter last month disputing this account and no response. I 'm desperately trying to figure out an easier way but it does n't matter bc it 's impossible to get ahold of someone there without waiting and then when you do wait and someone picks up.. they seem over confused and barely speak english. Hopefully this will bring me some relief. thank you
Product: Checking or savings account

Capital one issued an email saying is we were affected by an outage with their third party software it would be corrected by Friday. I have not received my direct deposit payroll, and have checked with my employer who show confirmation that payment was sent. I spoke with a capital one rep who said they had not timeline and could not help me. You just need to wait is not an acceptable answer when people depend on prompt payment to cover their bills and costs of living.
Product: Mortgage

Good Morning, CFPB : I am a Military Service Member XXXX. I am writing reference an account with Ocwen Financial based in XXXX XXXX XXXX, Florida. This is a mortgage account with the underlying asset at XXXX XXXX XXXX ; XXXX, Maryland XXXX. 
I applied for a loan modification for this account. Ocwen took several months to process the modification. During the modification approval process, Ocwen reported adverse information on my credit file with the credit reporting agencies. I was informed by XXXX XXXX, a supervisor with Ocwen that my credit would be restored after the loan modification was executed. This did not occur. 
My relationship manager with Ocwen Financial is XXXX XXXX XXXX. I was advised by XXXX XXXX that I did not need to make a payment on the account until XXXX XXXX after the modification agreement was executed. However, on XXXX XXXX, when I contacted Ocwen to discuss the account, I was told that I had to pay a {$2000.00} past due amount for XXXX, XXXX & XXXX payments because no payment was made until XXXX XXXX. 
Ocwen 's failure to process the loan modification in a timely manner and their misapplication of funds to my account in the loan modification process has adversely impacted my credit and caused a financial hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking you to change this doubtful data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXXXXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX, XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.