23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I attempted to log into my mortgage service account to make a payment. The site was down and did not respond. I called Customer Service and they could not take a payment and could not provide any additional information. Since that time I've tried every day and the system remains down. Customer Service also can not help since they need the system to record a payment, Researching on the Internet I found that on XX/XX/XXXX XXXX XXXX XXXX suffered a security breach and ransomware attack. XXXX XXXX XXXX is the parent company of my loan servicing company LoanCare. LoanCare services the mortgages of XXXX, my mortgage company. Neither XXXX nor LoanCare has contacted me regarding the incident therefore I have no further information. 

This week the company posted a message on their web site indicating that systems are down, no credit bureau reporting will be done as a result and no late fees will be charged. As of now there has been no direct communication to me. 

My concern is Identity Theft and Credit Bureau reporting in spite of what the company has posted on their web site.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves XXXX  credit bureau and the furnisher : IQ Data International who are providing knowingly incorrect information on my credit file and XXXX refuse to remove it even though proof was provided. IQ Data claim that an amount is owed from a apartment company by the name of XXXX XXXX XXXX XXXX XXXX, TX in the sum of {$3300.00}. I have a court document stating otherwise. This court document states due to two defaults where the XXXX ( XXXX XXXX ), refused to attend the jury trial court proceedings. A ruling was made on the second trial of not only another default issued against XXXX XXXX, but a decision was made that no monies was owed from said Defendant ( XXXX XXXX ) to the said Plaintiff ( XXXX XXXX ). The supporting documents were faxed to IQ Data International XX/XX/2019, poof being provided by a fax confirmation. Having this evidence in possession, IQ Data still refused to acknowledge the documents and continue to report the facts and stop reporting this inaccuracy. The acting manager on this file representing XXXX XXXX name is XXXX XXXX. The same documents were faxed to XXXX  on XX/XX/2019, prior to 3 previous disputes that were filed on this same matter. XXXX and XXXX deleted the file immediately after proof was given, not XXXX!!!! Both are illegally falsifying the debt on my credit file.
Product: Debt collection

Supposedly I had a loan for a car that was repo. After car was repo original creditor sold vehicle and debit was settled. Few years later my in laws were harassed by a someone trying to serve me docs to notify me that i was being sued and that person would tell my in laws that everything that they had would be theirs. I then went to court where Crown Asset Management , Llc Assignee Of XXXX XXXX XXXX XXXX stated i received a check of xx amount and owed around XXXX dollars. The judge on my case did not give me time to explain or see proof of the allegations of a check. she then sided w them and a process server has frozen my bank account and threatened to take all i have which is nothing.
Product: Checking or savings account

I am not familiar with these charges. I have been unable to contact the bank to get a replacement card or to open an investigation. 


XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX, PA, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXXXXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXXXXXX, XXXX  XX/XX/2022 XXXX XXXX Withdrawal SXXXX XXXX XXXXXXXX XXXX, TN, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXXXXXX, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I authorized PNC bank, custodian of my Health Savings Account, to pull {$3000.00} from checking account at XXXX XXXXXXXX XXXX. On the XXXX two micro pulls were conducted successfully to ensure that correct routing and account numbers provided. These two micro pulls were immediately refunded back to my checking account The next day, XX/XX/2020 {$3000.00} was pulled from my checking account with ACH transaction # XXXX and applied to my XXXX account. On XX/XX/2020 I received an Email from PNC bank stating. 

" Please be advised that your deposit amount of {$3000.00} made to your Health Savings Account on XX/XX/2020 has been debited from your account. The funds were debited, as funding to cover this deposit was not received from the bank on which the check was drawn. '' I immediately called XXXX XXXX. On XXXX they provided me with the ACH transaction number which I then provided to PNC shortly thereafter. My bank statement for that time period clearly shows the {$3000.00} dollars being pulled from my checking account. 

For months I went back and forth with PNC about where the $ $ ended up. Finally on XX/XX/2020 I received the following email from PNC. 

" Our Finance Team has confirmed that the transaction in the amount of {$3000.00} was manually rejected due to NO external bank account at the time of the transaction. From the research, it was determined that the transaction belonged to you. '' From that point until now I have tried to get PNC and XXXX XXXX to work together to find the funds but both refuse to accept responsibility to find the money. I am finally giving up on them and submitting this complaint hoping that the CFPB can force the two banks to talk to each and find my {$3000.00}. 

I have enclosed copies of the various referent letters, a sanitized copy of my bank statement showing the {$3000.00} being pulled, and my log of all the phone calls etc that I have record of. ( I did lose one months log to my puppy voracious appetite ). If further information is needed I will do my best to provide it.
Product: Mortgage

I filed for bankruptcy and the day after filing was granted a loan modification. 

I paid mortgage outside of bankruptcy. 

When the bankruptcy was completed. I found that I was behind on payments but I had not missed any payments. 

I gathered the info to prove I had paid at least minimal payments but was still behind. 

Bankruptcy court was satisfied and case was discharged but I have several payments that were not credited to my account. Now I can not get anyone from the 4 different servicers to discuss this with me.
Product: Credit card or prepaid card

Hi I had bought furniture a year ago from XXXX XXXX and had promotional like if you pay off in one year there is no interest charged. After promotion is expired they charged me interest charged {$550.00} on {$1100.00}. I talked with them asked charged interest on my remaining balance but they said we are charging on whole purchased amount and now i have to pay interest for whole that promotional year. I do n't know why this is too much charged i have to pay. Please help me on this issued. Thank you
Product: Debt collection

3 days lost day of work for this case because the plaintiff failed to submit documents in the first case XXXX XXXX FL XXXX  XXXX XXXX  which was dismissed for the same reasons. We had an agreement in XXXX, I was served 45 days later, I called them several times to ask why we were going to court to which they responded, " the paperwork crossed '', it did not, they never submitted it. We then went to court and the Judge gave them 30 days to submit it again, they did not and it was dismissed.Now they have re-filed. 

XXXX XXXX XXXX
Product: Debt collection

My account was sent to collections regarding an account that covered my checking account in the event I had insufficient funds. Currently I would like to agree on a settlement. 

I have had terrible luck in communicating with any representative to settle this collection issue.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this follow-up to inform you that I have escalated my identity theft claim by filing a second report with the Federal Trade Commission ( FTC ) due to your failure to comply with my initial request to block and delete the fraudulent accounts identified on my credit report. The new FTC report number is XXXX, filed on XX/XX/XXXX. This action further supports my claim and highlights the urgency of addressing this matter in compliance with 15 U.S.C. 1681c-2 and FCRA 605 ( b ). I request immediate action to block the fraudulent accounts and provide me with written confirmation of the resolution as required by law. 

I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, XXXX  XXXX  XXXX I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 


To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XXXX Report XX/XX/XXXX  and I noticed that this Inquiries had been made
Product: Credit reporting or other personal consumer reports

There was a reported security breech with the credit reporting agency
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX : XXXX
Product: Mortgage

Fall of 2016 I began to fall behind on my mortgage payments due to extreme marital and financial issues. My second month of falling behind I explained to my mortgage company ( OCWEN ) my difficulties ; they assured me they would help. After 90 days of  missed payments, I was no longer allowed to make any partial payments. I was already in the midst of applying for a modification through OCWEN. I complied with their deadlines and all request for documentation. 6 months afterwards I receive a modification answer. Their offer to fix my difficulties was to increase my APR ; increasing my monthly mortgage payments by approximately 100.00 a month or repay my XXXX debt in 6 months. Neither option was acceptable or reasonable. OCWENs inability to process my modification request in a timely manner excluded me from programs that would allow me to simply put my debt on the rear of my term ; which I originally requested. 7 years of owning my home, I have never defaulted on my loan until now. Now I must come up with my monthly mortgage plus my past due debt in order to not go into foreclosure. This is extremely troubling. I need help because I do n't know what to do. I am also battling an issue with OCWEN refusing to remove homeowners insurance premiums from my agreement ; I never wanted it, Ive always had homeowner insurance through XXXX, I have even had to have XXXX representative 3way a telephone conference with OCWEN where XXXX informed them that they have no legal way to make me go with their homeowners insurance as OCWEN was stating. OCWEN was supposed to have corrected this issue and refund me the difference and never have.
Product: Credit reporting

My bank found a report on an Equifax credit report where I had an outstanding debt which affected my credit score. It showed that I had not paid a {$420.00}, and had been put on my credit report XXXX/XXXX/2015. It showed XXXX XXXX as the original creditor, collection agency XXXX XXXX XXXX. I contacted comcast who said they had not submitted the claim, and that I was and had always been current with them. I then filed a dispute with XXXX online, then had a conversation with them. They denied any knowledge of this transaction. Tried to contact XXXX XXXX XXXX, could not find any record that they even existed.. I contacted the local XXXX Consumer Service to try to find a way to get in contact with XXXX XXXX XXXX. They could not find any record that XXXX XXXX XXXX existed. They suggested that I file this complaint to try to get to the root of this problem, and get this bogus bad credit report off my credit report.. I do n't know what else to give you. I know that you will need more of my personal information, but not sure if I should include it now. My phone number is XXXX, and my e-mail address is XXXXXXXXXXXX. My full name is XXXX XXXX XXXX, and my mailing address is XXXX XXXX XXXX, XXXX, Fl.XXXX. Please help me get this off my credit report. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Credit reporting

XXXX bank did not comply with the Fair Credit Reporting Act, section 611. I submitted a judgement ( attached ) regarding the disputed amount on XXXX XXXX, 2015, and they failed to respond within the statutory 5 business day period, even when I had provided my email and requested to be notified via email to expedite the process.
Product: Debt collection

This debt was originally owed to XXXX XXXX and Alduos and Associates bought it. The amount owed was {$270.00}. On XX/XX/2020 I paid {$50.00}. On XX/XX/2020 I paid {$40.00}. On XX/XX/2020 I paid {$180.00} making this account paid in full. On XX/XX/2020 I called to ask for proof/receipt of my debt paid in full. XXXX said he would send that over. He sent an email with one payment missing. I called again and they said they would send an accurate one. They never did. My credit has not been updated and the balance actually went up even though they verbally verified it was paid.
Product: Credit reporting or other personal consumer reports

I am disputing some late payments that have been furnished on my consumer report by Capital One with the account number # XXXX. I have tried to address this issue directly with Capital One and they replied back that the information was accurate. I requested XXXX that they have adopted reasonable procedures to ensure that each periodic statement was mailed or delivered to me XXXX XXXX prior to my payment due date. This law does not state email or electronic mail. Also include proof of all the information required by sec 1637 ( b ) of title 15 USC, and the negative information disclosure. 

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than XXXX XXXX  after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I am demanding PROOF where Capital One sent me a notice prior to or no later than XXXX XXXX  of furnishing negative items on my consumer reports. This is a clear violation of the FCRA. 

I have requested proof and allowed them XXXX to show me proof, therefore this account is unverifiable and I request the deletion of this account from my consumer report. 

Please see the attached file with the dates of the late payments
Product: Credit reporting or other personal consumer reports

There are inaccurate hard inquiries on my credit report. I have filed an identity theft report to address this issue.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Sincerely, XXXX XXXX
Product: Debt collection

I had a debt with Capital one for {$500.00} account number XXXX. I contacted this company and paid this debt off. And they still put this on my credit as a write off. This debt is paid.
Product: Credit reporting or other personal consumer reports

My credit report is showing that I owe XXXX to Navient and that I'm delinquent 120 days when It should display a XXXX balance with nothing past due..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an item on my Transunion credit report. It has an estimated completion date of XX/XX/XXXX, but as of today XX/XX/XXXX the investigation has yet to be completed by Transunion.
Product: Vehicle loan or lease

I am a young citizen that needed a car to get to work during the XXXX pandemic an went to what I thought was a dealership but was really a buy here pay here.. Told them I needed a car and they pressured me into this one an didnt really want me reading the paper work when signing .. After I bought i seen they reported my score as Bad when it was above XXXX ... Aka fair.. Long story short im paying about XXXX for a XXXX car that was in bad shape mechanical wise, exterior was decent shape some scraches an XXXX on back bumper.. I fell like ive been ripped off
Product: Debt collection

I started receiving calls on a medical debt that is over 4 years old from Capital Account starting XX/XX/2018. They get very nasty and abusive and when I asked them to just msil my any communication they got even nastier hollering and screaming at me. I have blocked their calls and they call back from over 6 different phone numbers. I have received calls twice in the same day. 
The company states they can continue to call me until I put it in writing. 
However, they informed me the call is being recorded so they have proof I wanted them to cease calling me. But they won't stop! 
I had a recent death in the family and this past Friday, XX/XX/XXXX, they called got nasty about me not wanting to talk with them and started getting aggressive and loud. I am now mad and upset that this company will not back off. I have taken to calling them back numerous times to get them to back off-but to no avail. 
I just got another call this morning XX/XX/XXXX. This needs to stop. 
I have made a record of the dates and times they are calling and the numerous phone numbers used.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

MCM Midland Credit Management keeps mailing and calling me of a debt thats not legal And over 11 years old Stop harassing me for a debt not legally owed. 

I have also filed with US Attorney office with copies of the mail and Etc as proof