23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had our loan through XXXX XXXX  and then it got sold to NewRez which an affiliate of Shellpoint. In XX/XX/2020, we received a notice from XXXX which is our home insurance company that our policy will get canceled due to failure to pay premiums. They said that it will be canceled if they didn't receive the payment by XXXX. We called the mortgage company and they said that they didn't have our insurance policy information ( but they never mentioned that to us or ask for it, which for a fact I know that it was transferred when the loan was sold to them ). After 3 different calls and a long run around, we did a conference call with XXXX so they can get all the information needed. From there, we thought all was resolved. As of today XXXX we found out that we have no home insurance because it was canceled due to failure to pay. Knowing that we had an escrow account with NewRez and never ever have we missed a payment. Now we have to find a new policy and pay extra because we " defaulted '' in our insurance payments. Of course they are not taking any responsibilities and they even denied a conference call with XXXX while my husband was on the phone to grant authorization.
Product: Debt collection

Company : Harvard Collection Services Address : XXXX XXXX XXXX XXXX, Illinois XXXX This collection agency has previously submitted a fraudulent debt under my name in XX/XX/XXXX. I disputed this debt with all 3 credit agencies and added a complaint on the XXXX XXXX XXXX sites as I do not owe or own the account in question. This debt was eventually removed from my credit report. 
This collection agency has again submitted the same fraudulent debt again in XX/XX/XXXX to my credit again. From my other consumer complaints listed on the XXXX XXXX XXXX website, this collection agency had repeated these fraudulent actions against other consumers using the same debtor and tatics. I will continue to dispute this collection and the fraudulent collection company.
Product: Credit reporting or other personal consumer reports

This debt is over XXXX years old and should be removed from my credit report. Oklahoma statue of limitation for contractual debt is XXXX years, and I reside in the state of Oklahoma. My last date of activity for my synchrony bank account is XX/XX/XXXX, but XXXX has inaccurately reported the date of XX/XX/XXXX. I asked for documentation from XXXX due to the inaccurate information and documents supplied from them confirm my last date of activity for synchrony bank was indeed XX/XX/XXXX. I have also filled a motion to dismiss in XXXX XXXX court due to XXXX inaccurately reporting the last date of activity, and removal on my credit report. XXXX removed XXXX from my credit report, and Transunion removed it at first but then placed it back on my credit report, because they claimed XXXX said the information is correct. I even gave Transunion the documents from XXXX showing that the dates are incorrect and that the restarted my date of debt that is now outside of the statues of limitation. I have filed XXXX disputes regarding this with Transunion. XXXX online, and another over the phone with all the required documentation. Transunion is refusing even with the documentation to remove this from my credit report even though it is outside of the statue of limitations in the state of Oklahoma. XXXX has been sued several times for restating the debt on consumers credit report and continues to do the same today. Attached are the statements from XXXX showing that the debt is over XXXX years old and in the state of Oklahoma is no longer within statues to collect.
Product: Credit card or prepaid card

I lost my job in XXXX of XXXX due to XXXX  hardships with my employer. Due to being on unemployment for several months at a much lower income and then having to take a job at a salary of more than $ XXXX less annually, I could not afford to pay my high rate interest credit card through Citibank. I opened this credit card in XXXX of XXXX and was never late on a payment, and always paid at least the minimum amount due. When I was in tremendous financial hardship due to XXXX however, Citibank was unwilling to work with me to try and work out a payment plan, all the while charging me over 25 % interest each month. 

My mortgage lender ( XXXX XXXX - XXXX XXXX ) was so helpful and offered me a loan forbearance plan to where I could pause my mortgage payments and nothing would be reported to my credit that I was late or behind in payments, and I am not being charged any finance charges or late fees. My mortgage lender is still being so helpful and working with me again now and they have extended my forbearance plan XXXX times so now it runs through XX/XX/XXXX. In addition, my auto loan company ( XXXX XXXX XXXX ) has also been so helpful and has allowed me to make my monthly car payment in XXXX installments each month with no interest, late fees or penalties. 

Citibank on the other hand, is a predatory lender and has been completely ruthless, repeatedly calling and harassing me and demanding I pay the full amount that is past due plus the new finance charges that accrue each month, even though I haven't used this credit card since XXXX. 

I know my rights outlined by our United States Constitution and what Citibank is doing is unlawful by charging me such an outrageous interest rate and late fees. 

My credit scores were in the mid to high XXXX 's in XXXX and now I am barely in the mid XXXX 's now. 

Citibank ( XXXX XXXX XXXX I, XXXX, as Assignee of Citibank , N.A . ) has filed a lawsuit against me ( Case # XXXX in XXXX XXXX, Illinois ) and I have to appear in court on XX/XX/XXXX to defend myself. I can not afford to hire a lawyer to help defend me. I can't even afford the nearly {$6.00} per gallon of gas each week to get to and from work, let alone food for my family and I have been a struggling single mother for almost 18 years. 

I really need your help. Thank you for your time. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

Capital One has engaged in an unfair act which caused me financial injury, was reasonably avoided by me, and was not outweighed by any benefits to me or competition. I would like Capital One to refund {$22.00} in excess interest due to systemic issues at Capital One that were no fault of my own. 

In XX/XX/XXXX, we financed an auto lean through Capital One. On XX/XX/XXXX we were in a position to pay off the XXXX payoff balance of {$15000.00}. Using the Capital One mobile application ( which is the same method I used to make each timely monthly payment XXXX, XXXX, and XXXX ) I set up the payoff payment by selecting our Capital One savings account as presented by the mobile app as an option for making the payment ( again, as I had done for the XXXX previous monthly payments ). 

The payment was accepted within the app. On XX/XX/XXXX I received an email from Capital One informing me the payment account could not be located and the payment was reversed with additional interest applied for the period XXXX through XX/XX/XXXX. 

There is no other possible explanation for this reversal except the Capital One 's mobile app or some other payment processing system malfunctioned. I used the same mobile app and the same payment account which is at Capital One to make the payment. In fact, I used the same savings account to make the payment on XX/XX/XXXX to finally pay off the loan. 

At no point in the XXXX process did I manually enter any information regarding either my auto loan or my savings account. I used information presented to me by Capital One in their app to select which loan and which payment account were to be used as was previously executed three times before. 

I called Capital One XX/XX/XXXX, the day after their email notification. I attempted to explain the error to the phone associate. They were unable to resolve my concern so I asked for a manager. He too could not understand that it had to have been a systems error on their end even though I repeatedly explained that I used their app to pay from a Capital One savings account to a Capital One auto loan and that if Capital One could not find my account, it was not my error but theirs. 

The first image shows the Capital One mobile app 's " Pay From '' pre-populated options ( consistent with the experience since the inception of the loan ). You will notice the XXXX XXXX XXXX account with a balance of {$47000.00} ( more than enough to cover the {$15000.00} loan amount ). This is the account selected on XXXX. If Capital One was later unable to locate the account it HAD to have been a systems error internal to Capital One because the account was pre-populated so they had to have located it when I made the payment. This was what I tried to get the phone agent and the manager to comprehend and provide me a {$22.00} refund. The second image shows the date ( which originally would have been XXXX ). The third image shows the option to select the payoff amount which is what I selected on XXXX.
Product: Credit card or prepaid card

I tried to pay off my BANKAMERICARD secured credit card with my prepaid XXXX XXXX account but for some reason my payment got returned. As a result Bank of America blocked or put a hold on my account so that they could charge me a late fee for not paying off my balance before its due date. Every time I try to make a payment using their mobile app I get a message saying : Your request cant be processed due to account status. Please contact us for assistance at XXXX. And every time I call them their Bank of America representatives try to make me pay more than whats due.
Product: Debt collection

XXXX XXXX is reporting to Transunion a debt sold to XXXX XXXX XXXX XXXX XXXX  XXXX that has been dismissed. I have received a Request for Dismissal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This debt is hurting my credit score and also is showing as Derogatory on my credit report. I would like this debt be deleted from my Credit Report as soon as possible. This debt is considered a charge off by XXXX XXXX, and should be deleted my from credit report.
Product: Money transfer, virtual currency, or money service

I was purchasing a puppy which was {$900.00}. I sent the money to the person I was making a purchase. within 8 hours I did not receive further communication. I called BOA and told them I thought I was scammed and fraud happened. Then they come back and say they can not get my money back from XXXX XXXX which houses the fraud account used to steal hundreds of thousands. It seems like these banks are promoting theft and fraud and they do not do anything about it as a consumer, this is not fair. You think your money in a bank is protected but I can see they are not.
Product: Credit card

On XX/XX/year> I purchased a Hot Tub on XXXX through capital one shopping. My browser extension actively advertised this to me, which is why I went ahead and did it. It stated it would provide a 3.5 % cash back on the purchase. See attached Exhibit 1 for the proof of this 3.5 % cashback from Capital One Shopping. I have also attached Exhibit 2 which is proof of purchase from XXXX. 

On XX/XX/year> I received an email saying that my capital one shopping account was now suspended for violating the XXXX. I have repeatedly asked for reasoning and they just link the XXXX. 

From my point of view, they are holding {$150.00} hostage and do not want to pay it out. I have not violated ant terms of service, and I can prove that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, XX/XX/2021, XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Vehicle loan or lease

A false statement of fact renders a contract invalid. PENNSYLVANIA LAW requires property over {$500.00} to have a written contract. The current contract is for a " XXXX '', I actually have a " XXXX XXXX ".
Product: Credit reporting or other personal consumer reports

Equifax refuses to fix a duplicate account that keeps showing up. I keep disputing it but somehow they " verify it '', and refuse to remove the duplicate.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX I # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

GAGE 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card or prepaid card

In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

SYNCB/GAP 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collectors Fusion Auto and XXXX XXXX XXXX were notified in writing by my attorney by letter dated XX/XX/XXXX and XX/XX/XXXX to not contact me directly and instead direct all contact to my attorney. 

This includes a letter and phone call on XX/XX/XXXX and phone calls of XX/XX/XXXX and XX/XX/XXXX Since then they have made repeated harassing and threatening phone calls to me and have refused to contact my attorney. 

This is regarding money claimed to be owed on an auto lease but disputed.
Product: Credit reporting or other personal consumer reports

Im expressing extreme frustration and disgust with the inaccuracies and unauthorized inquiries found on their credit report. Ive gone through significant effort to identify and dispute these errors, citing specific violations of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws.

Key violations and demands : Incorrect personal information : Ive disputed the accuracy of their date of birth, name, previous addresses, and employers.

Unauthorized inquiries : Im disputing unauthorized inquiries from XXXX, XXXX XXXX, and XXXX of XXXX. 
Late payment disputes : Im challenging late payment entries on accounts with XXXX XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, citing a lack of proper notice. 
Debt validation requests : The consumer is demanding detailed validation of debts from XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX 
Credit report corrections : Im requesting the removal of all inaccurate information from their credit report and is demanding that the credit reporting agencies comply with the FCRA 's investigation and correction requirements.

I have included specific references to relevant federal laws, such as 15 U.S.C. 1681i ( a ), to emphasize their legal rights and expectations. I will take legal action if my demands are not met.
Product: Debt collection

On XX/XX/XXXX, I got a call about a past due bill for XXXX bill for an address on XXXX XXXX. I explained to the representative that I never lived on XXXX XXXX and this isn't my debt. He verified my information. The person use my social security number and date of birth to open this account. He advised to get a police report and send to them along with statement of the electrical company from XX/XX/XXXX. I have filed a police reports and mailed the information to ProCollect.
Product: Mortgage

I requested a payoff quote in preparation of selling my house. The servicer included around 7,000 $ in unpaid interest owed in this quote. The servicer reports that I have not paid interest from XX/XX/XXXX until now XX/XX/XXXX. I have made all my payments on time for years. 
How is it now that I 'm selling my house they are charging me this interest.
Product: Debt collection

I sent out a certfied HIPPA dispute letter with a mailing receipt to Franklin Collection Service , Inc. XXXX , MS. XXXX on XXXX XXXX, 2017 in regards to a alleged medical bill debt in the amount of {$2800.00}. By law they had up to 30 days to respond and I was told the company is saying they never received anything from me even though I have a copy of the day it was mailed off. This goes against the Fair Credit Reporting Act and violates my rights as a consumer. Below is a photo document of my mailing receipt to the company along with the date it was sent.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Debt collection

I have advised the company that I 've never applied for a payday loan online. I barely no how to work the internet. Pursuant to the Fair Debt Collection Practices Act, XXXX : XXXX XXXX Sec XXXX ( b ) that your claim that I owe you money is disputed, and validation is requested.Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.