23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is allowing an account that has been previously deleted be reinserted on my credit report. Account XXXX was paid and removed from my credit report in XX/XX/2015. Account had since then been reinserted as a collection account. Account is also past the statue of limitations in which it can report. Please remove account XXXX from my credit report immediately and do not allow account to be inserted again. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I took out an escrow loan in amount of {$98000.00} originated from Huntington Bank to rehab my home at a low interest rate. The organization " XXXX XXXX XXXX XXXX XXXX '' was Non-Profit. Huntington Bank partnered with to get work completed. I Only used {$62000.00} after work completed. {$32000.00} left over was never credited back to my original loan. Huntington Bank has been forcing me under Threat of Foreclosure, To pay ALL this time to date XX/XX/XXXX Mortgage money I Never borrowed or used.
Product: Mortgage

on XX/XX/XXXX I contacted USBANK. I am successor trustee of my Parents Trust. I need to complete my Mother 's 2019 taxes and I need her 1098. They asked me to email them a copy of the trust and her death cert which was emailed to them on XX/XX/XXXX. XXXX said it would take 3 days to get the 1098. On XX/XX/XXXX I called back ( well over the three days ) and first they said they did'mt have the first set of docs they requested. I gave them the name of XXXX XXXX who responded that they had my items and I said I had never ben contacted that they not only did not receive the items but now I was told they needed a copy of the EIN and last recorded deed, which I submitted and I then received a confirmation email on the XXXX. XX/XX/XXXX received an email stating they are still reviewing my docs and I should have something in another 15 days. I am filing a formal complaint. I have suffered enough at the untimely death of my parents and now I have to continue this by being treated like chattel by US BANK
Product: Debt collection

Debt collector for portfolio recovery services continues to call my cell phone about someone else 's debt. I told them they have the wrong number. When I asked how they got it they refused to tell me and told me that my friend gave it to them. He never gave them my phone number. They have used automated dialing systems to call my cell phone without consent. When I called to have my number removed the lady was very unprofessional and rude. I asked for a supervisor and she disconnected the call. I told her I needed her to listen to me and she said " not today ''. And asked me why I was calling about someone else 's account - when I was returning the call they left me. I called back and the supervisor refused to give me information about their company such as where they are located and what is their contact information for corporate. I had to ask several times if it was a debt collection agency before he confirmed.
Product: Credit card

On XX/XX/2024, I logged into to my XXXX 's Capital One account, which I am enrolled in their automatic payment plan. 
I paid a past due balance ( {$790.00} ) and the current monthy due payment ( {$790.00} ) with a payment of {$1000.00} This payment was ackknowledge by my bank, XXXX XXXX XXXX XXXX ( XXXX ) as follows : ELECTRONIC WITHDRAWAL CAPITAL ONE ONLINE XXXX - {$1000.00} Post Date : XX/XX/2024 Type : ELECTRONIC WITHDRAWAL The next day I logged to my XXXX 's Capital One account again to check the balances. It showed CapitalOne receiving the payment as follows : XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX ... XXXX Payment XXXX XXXX... XXXX - {$1000.00} Posted : Sat, XX/XX/2024 Source : XXXX XXXX XXXX XXXX ... XXXX Method : Online Confirmation Code : XXXX On XX/XX/2024 I logged in to my XXXX account and found that XXXX had withdrawn another payment : ELECTRONIC WITHDRAWAL CAPITAL ONE CRCARDPMT XXXX - {$790.00} {$0.00} Post Date : XX/XX/2024 Type : ELECTRONIC WITHDRAWAL I then logged on to CapitalOne and found their ackknowledgement of received payment. 

XX/XX/XXXX AutoPay from XXXX XXXX XXXX XXXX ... XXXX Payment XXXX XXXX... XXXX - {$790.00} Posted : Mon, XX/XX/2024 Source : XXXX XXXX XXXX XXXX ... XXXX Method : AutoPay Confirmation Code : XXXX This basically wiped out my XXXX account. When I called CapitalOne to explain this and return the money. I got the run around. Basically saying I would have to wait 5 days before asking for the payment back. I immediately asked to a She also said I'd have to wait 5 days to make the request so that they can verify the payment.

I told them both my bank and CapitalOne acknowledge receipt of the payment. The supervisor then made a conference call to XXXX, with me on the line, in order to verify the payment was made. 
XXXX acknowleged the payent. 
I don't understand why the supervisor did this, since they already confirmed they had the money on my payment history. 
She then said she would put in the request to return payment now, instead of waiting 5 days. buHowever she said it would take XXXX weeks to process the return. 

I said this is paramount to double billing me. Not very legitimate. 
They get to keep the money to make interest on it while I suffer the consequences. I asked her how am I supposed to pay my bills without the money in my account. 
I'm retired, self employed and on Social Security. SS only pays out once a month. My XXXX XXXX  barely averages to about {$150.00}, and is not on any kind schedule. I get paid only when I complete jobs. 
I then asked, who is going to be responible for any late fees or penalties I incurr because of this. No response other than to say this is our process. 

I have attached transactions acknowledgements from my bank and credit card
Product: Prepaid card

I received an Amex XXXX XXXX. This includes an email You have received a American Express XXXX XXXX from XXXX. I clicked the link to validate the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I was able to use it twice when I first received it, but not since. I attempted to use this card at a variety of stores online ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) as well as in person ( local food store, XXXX, XXXX ) using less than the balance on the card and the transaction was declined each time. I tried again with various other amounts less than the full face value. I'm not able to provide proof of decline in-person, but you can see in the attached files for the decline of the XXXX, XXXX, and XXXX XXXX as example. Many people have reported having this problem starting this past year.
Product: Debt collection

I have disputed this account with credit bureaus as the balance is incorrect. I provided the statement to the credit bureau showing the end balance with a date of XX/XX/XXXX. The company in turn sent by mail the exact statement with the correct balance, but they are not reporting the CORRECT end balance. I received correspondence in the mail from the company dated XX/XX/XXXX " While we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the timeframe prescribed by state law. We may not have sufficient time to complete an investigation of the alleged inaccuracy. '' Which leads me to believe this information was never actually verified. 

The previous complaint did not address my issues. According to the statement that you sent you are still reporting an incorrect balance. I see a balance on XX/XX/XXXX that is lower than the balance that you are reporting. Besides that point the balance would still be incorrect as the deposit that I paid to the apartment when I moved in is not showing on the move out statement to reduce the balance. Which I pointed out to the previous collection agency and they never responded and removed the account from my credit report. You DO NOT have proper verification of the account nor the amount due.
Product: Debt collection

I have no received and disputed this debt XXXX times from XXXX. Every time I ask for verification of the debt, they have just stopped calling. The latest debt collector, however, did provide a verification but it has no detail at all so I ca n't figure out what the charges are for. I had a XXXX account at that address but everything was paid in full when I moved. 

Now the item has been reported to my credit report despite my continued disputing of the debt. And despite requesting to only be contacted in writing, they continue to call about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Sky blue credit repair in XXXX. It started as a 7 day free trial. They did nothing in the 7 days but send me a list of items they would send disputes for. They then billed me XXXX dollars and sent out a few disputes. I signed up for a joint account, myself and my husband. For him they sent out 2 disputes and marked everything else as " stop '' meaning they didn't send out anything. They emailed and said they needed a phone call and then account numbers. I spoke to them on the phone, I also emailed telling them we want everything disputed and do not have account numbers nor did we have to provide them previously when working with another company. The company then directed me to pay for another credit report and get those account numbers. NO I paid you for a job that you have failed to do. I am beyond unhappy with this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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 or other personal consumer reports

My information was involved in a data breach where all my information was leaked
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>
Product: Debt collection

Eos cca took down the wrong bank account and or routing number for payments that I agreed to pay to XXXX XXXX. It was their mistake and when they said the payment didnt go through they reported it to the credit agency. They did not offer me the option to use a debit or credit card in the times they contacted me. They probably didnt want to pay the fees. As of XXXX21 XXXX XXXX is showing a zero 0 balance on this account yet they called me today and said I owe both payments. I understand that it can take up to 30 days for bank payments to clear. A payment was arranged for XXXX21 was my recollection. Eos cca called me again on XXXX-21. My bank XXXX show no returned checks to cca eos. The approximate amounts were {$310.00} each ie 2 payments on or about XXXX-21 and or XXXX21. This company also tried to get a higher settlement payment from me at first. It was only after they had the wrong account number and or routing number that they took down erroneously from me that they offered me a lower settlement amount. When the first payment didnt go through due to their error I disputed it with a credit bureau as the mistake was theirs not mine. Their repeated phone calls for their mistakes are harassment. XXXX XXXX  is showing the account paid off as of XXXX-21 and my bank shows no returned checks to eos cca.
Product: Payday loan, title loan, personal loan, or advance loan

I try to pay off my loan every payment of {$500.00} dollars I still not reflecting on my account the amount they I own still the same. 
Title max is not a transparent with their customers is fraud
Product: Credit reporting

I had disputed and tried to get some late payments that were reported by mistakes made on the banks behalf to no avail. I sent in the letters received from the creditors apologizing and wrote my letter to the bureaus requesting a dispute and to please review my documents. This company I feel has done right by me until now. Now I feel like because it was the holiday season that my stuff does n't matter. I did file a complaint and I hope this lack of responding is n't retaliation. I 've downloaded some more documentation showing missteps and violations of credit report on behalf of this company. let me know anything else thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( XXXX ) in question include : * XXXX /Account : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
XXXX. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 
XXXX. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : XXXX. The immediate blocking of the disputed information under FCRA XXXX ( b ). 
XXXX. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
XXXX. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Money transfer, virtual currency, or money service

There was this girl who had said to send {$40.00} on Saturday, XX/XX/2019to a PayPal account at XXXX. Then, upon completion of the payment proceeds to tell me that, oh yeah sorry that was a mistype, the real Email is, XXXX told me to just resend it to that one. But the payment already went through to the other Email, which I'm assuming is still hers, and I can't cancel it or get it refunded at all ... Paypal hasn't taken any action as they take forever to get back to people about serious problems like this which is incredibly unfair ... ..I need that money back, this is not ok ... Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report o XXXX XXXX XXXX  XXXX XXXX : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$1300.00}
Product: Credit card

On XX/XX/year> I was tricked into attempting to pay my insurance to an entity that was impersonating my insurance company. After realizing the transaction did not appear on my official insurance account I immediately contacted Chase to put a stop hold on the payment file charges for fraud. All of these measures were literally taken within 45 minutes of the initial transaction. XXXX  XXXX was the name of the fraudulent charge entity on my card I was temporarily giving a credit for the amount taken from my account for {$1600.00}. I was made to believe that since everything was done immediately, and that this was a clear case of fraud it would simply be a matter of formality, yet after this I received no information from Chase whatsoever. Chase has behaved very confusing and duplicitous manner, and on numerous occasions have misrepresented themselves either over the phone or in person.They took back the money that they had initially credited me for the fraud. I was told me that the initial transaction had never gone through, yet over a month later, I was surreptitiously charged the entire amount. 

After doing some extensive accounting, I was able to figure out. This is not the case and they did indeed charge me for that. I was not informed of anything during this process. I was giving no explanation whatsoever. Everything was done at the cloak of darkness and in the shittiest possible circumstances. This is about as obvious a case of fraud is there could possibly be, yet Chase credit card services have summarily stonewalled me from receiving any info on the process whatsoever, and denied my claims for remuneration.
Product: Debt collection

Today, I received the second call from Executive Financial Consultants regarding a debt they were attempting to collect from an exam I had back in XX/XX/. 
I told the collector, a young woman, that I had paperwork explaining my coverage, as well as paperwork from my insurance company that my exam was fully covered and no bill was due. I asked how I was to go about disputing this debt. The collector was extremely rude, so I asked to speak with a supervisor who would be more helpful and less condescending. The collector rambled off something even more derogatory and put me on hold. Eventually, a recording came on and said my conversation would be recorded. Then, a man got on the line saying he was a supervisor. I explained the events that occurred and that I was looking to resolve this collection issue. The man began to argue with me and said the only way to resolve my debt is to set-up a payment plan with Executive Financial Consultants. I told him I had paperwork that I want to turn-in, which said I was covered by my insurance and asked how he suggest I go about disputing the collection from my medical exam back in XX/XX/. Again, the man began to argue with me and did not offer any kind of route to help me resolve this problem. When he finished what he was saying, I told him " thank you for calling, but I'm going to contact my insurance about the issue and try to get it resolved some other way since they weren't allowing me to dispute it with Executive Financial Consultants. '' The man then replied " WHATEVER, '' and hung up on me. 
Perhaps customer service isn't part of their job at Executive Financial Consultants, but there's no reason these people should be so nasty. At the end of the day, aren't we all on the same team? Let 's help each other, instead of attacking one another. 
I would like something to be done about the attitude of the people who work for and represent Executive Financial Consultants.
Product: Mortgage

XXXX and XXXX Subject : Ocwen Loan Servicing , LLC Phone # XXXX Loan #. We have a major problem with Ocwen Loan Servicing. Ocwen foreclosed on our home XXXX XXXX XXXX. They refused to go over our Deed in Lieu after they made a critical mistake on the documents sent to us to SIGN. Ocwen left out XXXX XXXX XXXX lien then claimed we were late however they would view our paper work. They have for closed on this loan and the tenant has stopped paying rent. We do not believe how inept Ocwen is - now everybody lost. 
After receiving papers back their information was not correct - they put on the form that we did not have a XXXX mortgage - tried to get me to sign & send with a " Trust Me '' statement. 
I informed Ocwen of our problem and they gave me new blank sheets of paper we ultimately filled out for a " New Deed In Lieu ''. We corrected the mistake which was the XXXX lien holder they left off of our home with XXXX XXXX XXXX. 
We have a tenant and a broker however tenant NOW will not pay rent due to for closure of Ocwen. Ocwen will not honor the rent payment - non of this makes sense, we lost the tenant, she is suing, manager is upset, we are upset, everybody is loosing. 
They are now asking for my income for last two years. I received SS of XXXX in XXXX and spent the time caring for my wife - XXXX. In. XXXX we lost {$71000.00} due to economy and real estate. 
XXXX