23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Capital One promises early pay however it is still Friday XX/XX/XXXX of XXXX at XXXXXXXX XXXX and I still havent received my paycheck. It is not fair for the costumer hence the fact we got bills and payments to do. They still had the audacity to charge the credit card bill but are still holding my money. I have no gas and no food and this is their responsibility
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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

I like to order a full XXXX XXXX report, I believe there is some misinformation on my credit report.
Product: Mortgage

I have a mortgage that is serviced by Selene Financing. My mortgage is currently under a chapter XXXX bankruptcy. My attorney has given Selene Financing an official notice that I can communicate with them directly. For some time now, and even before the bankruptcy, I have attempted to contact the individual over our mortgage account at Selene Financing. Each time I ask a customer service rep to connect me directly, Im told that the account manager does not have a direct line. When I ask for an email address, Im told that they cant be contacted by email. 
I have also put in for a modification. When I refuted a couple of items in the modification plan, I was asked to write a letter of dispute and send it in with the modification agreement they sent. I did that. I followed up and they told me that they received my letter as well as the modification document attached. I followed up weeks later to find out the status and now Im told that I never sent in the modification document with the letter of dispute. Thats been since XXXX of 2021. I still have not heard back from the underwriters or the account manager. There is something terribly wrong here and I need to get to the bottom of it. 

Please direct me to anyone or any department that oversees the mortgage lenders or servicers. Your assistance would be greatly appreciated. 

XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

In early XXXX I had contacted XXXX in regards to a Medical bill on my credit XXXX. I had talked to a lady in the billing department and she informed the details and what insurance did not cover. Said that I had to make the payment of ( I can not recall the exact figure ) which would have been the discounted rate if I had orginally paid it shortly after the er visit. She said she would let the Collection Agency now but I would have to pay it directly through them as it was in their possession. I had requested with the lady XXXX that the negative mark be removed by the agency and she said that would be no problem as long as the account was paid. I call and spoke with Armor Systems and made the arrangments I asked the collector that it be removed once paid and was told " Yeah Sure '' I asked for it be placed in writing and was informed that it could not be placed in writing but would be removed from all the collection bearus that it had been reported to ... A couple months later when it still was not removed after it had been paid I once again reached out to Armor as the reported it paid but did not remove the negative mark. I was told then they would not so I took it up with the CB and still they did not remove it. I call XXXX/XXXX/XXXX was transfered to a woman in the credit department who after a couple mins answered and she did not even ask for my information and had obviously pulled my info off call id. Said that they would only marked as paid asked me hold and after XXXX mins of silence the phone was hung up on their end. I called back from a different number and asked if I could have the name of the female who is in the credit department they said they could only transfer me and after XXXX mins longer the same woman picked up and once I told her my name she placed me on hold for another XXXX mins and once again the line was disconnected on Armor 's end.
Product: Credit card

Approximately a year ago, around XX/XX/XXXX or XX/XX/XXXX, I called Citi Cards to set up an automatic payment plan to have them automatically take out payments from my bake account. They told me that I could not because my account was closed. I also requested they send me paper statements via mail so that I can monitor my account, since they do n't allow closed accounts to access their accounts online. I was told me payments would be {$60.00} a month, so that is the amount I set up to payments with my bank to send them. I would call from time to time to check on the status of my account, but would not ever be able to speak to the correct person and would be transferred from person to person. I would get hung up on and put on hold for hours at a time. I was told in XXXX XX/XX/XXXX, they only received a payment for {$20.00} dollars. Which I am unsure how it was only that much as I am pretty certain I never adjusted the amount with my bank. When this happened they started charging me late fees. I never knew anything was wrong with my account and that I was accumulating late fees as I have still never received a single statement nor did they call to inform there was a problem with my account. And as previously mentioned, every time I tried to contact a person to confirm their record of my balance matched my projected amount I was unable to make appropriate contact. They refuse to adjust my balance to the appropriate amount and continue to transfer me around and hang up on me. If I had the means to properly manage my account I would have been able to properly pay a single late fee and be able to keep my account at the proper balance. This whole process has caused me to accumulate almost an additional {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint through the CFPB complaint # XXXX stating that XXXX XXXX XXXXXXXX was using Color of Law to not only publicize and furnish inaccurate and private information but also that the information is FRAUDULENT and that has resulted from its own acts of FRAUD and IDENTITY THEFT as defined by 15 USC 1681 a ( q ) using extortionate means to collect on debts not owed which is a crime. I have made XXXX XXXX aware numerous of times that the transactions were unauthorized which the CFPB has sued XXXX XXXX for in XXXX File No : XXXX. In the attachment provided I asked that the company provide proof it acted with lawful authority when it obtained and shared my information to consumer reporting agencies, and they failed to do so. Instead, they responded to the CFPB on XX/XX/XXXX stating that the complaint is in progress, and on XX/XX/XXXX mailed a attached letter to my home stating the same thing in addition to numerous phone calls asking about the detains of FRAUDULENT XXXX. I have put this company on notice and have filed a valid FTC complaint which is also attached, however they have failed to remove this tradeline from all three of my consumer reports which is another federal violation 15 USC 1681 s-1 ( a ) ( B ) which clearly states : If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency unless the person subsequently knows or is informed by the consumer that the information is correct.
Product: Mortgage

My loan was transferred from XXXX XXXX  to Roundpoint Mortgage Company on XX/XX/23. The mortgage company pays my insurance from an escrow account. My insurance needs to be renewed and there is no way to get in touch with a live person from the Roundpoint Mortgage company. I shouldn't have to jump through hoops if my mortgage is transferred. This is time sensitive. Otherwise i will need to pay my insurance upfront which isn't how i set up my mortgage to begin with.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act 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 and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences 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 reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

- On XX/XX/21 I sent a letter to LCI asking to verify the validity of the bankruptcy they were reporting on my consumer report. - LCI failed to respond. 
- On XX/XX/21 at XXXX I left a message requesting a call back - no response. 
- On XX/XX/21 I sent a second letter asking for a method of verification of the alleged bankruptcy they are reporting. - LCI failed to respond. 
- On XX/XX/21 I sent a 3rd method of verification request. 
- On XX/XX/21 I received an email repsonse stating bankruptcy is public record, but no method of verification was included. 
- On XX/XX/21 I replied to the email again asking for a Method Of Verification. 
- On XX/XX/21 LCI replied and stated they do not subject to FCRA laws and they are not required to provide me with any Method of Verification at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent letters to the three credit bureaus regarding the reporting of a a chapter XXXX bankruptcy that they are reporting that they state has been verified by XXXX only XXXX is not reporting a chapter XXXX bankruptcy on their credit report. I've requested a letter from XXXX twice to show this and they have sent me my credit report which does not show a chapter XXXX, it only shows a chapter XXXX which is dismissed and has been removed from my credit reports.
Product: Credit card or prepaid card

The company, Capital One, has been stating that I've had an account with them it was unsatisfactory and they will not accept my documents to show this was identity theft and not me. They will not issue me a credit card or a business credit card because of this. I have sent NUMEROUS documents to them for several years with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a charge off a XXXX mortgage in 2021 in my credit report by Ocwen. This is not mine and they are illigelly doing it.
Product: Vehicle loan or lease

On XX/XX/ I entered into a consumer credit transaction with ACC. ACC produced an illegitimate contract as they have violated the TILA. As defined under the TILA 15 USC 1605 ( a ), the finance charge is determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and does not include charges of a type payable in a cash transaction. ACC states on its contract that the finance charge is The dollar amount the credit will cost you, which is false, misleading, and a violation to my consumer rights. ACC included a down payment of {$5000.00} which is also a violation. As stated under the TILA, Charges which are included in the finance charge, but were not, are as follows : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ACC did not include the interest in the finance charge which is a violation. Section ( c ) also states charges or premiums for insurance shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. ACC did not include my insurance in the finance charge and did not disclose the option to obtain the insurance of my choice through them which is a violation. Per 15 USC 1631 ( a ) a creditor or lessor shall disclose to the person who is obligated on a consumer lease or a consumer credit transaction the information required under this subchapter. Per 15 USC 1635 ( a ) In the case of any consumer credit transaction the obligor has the right to rescind the transaction until midnight of the third business day following the consummation of the transaction. XXXX stated there is no Cool Off Period and I can not cancel this consumer credit transaction. ACC did not disclose my right of rescission which is a violation. These are just a few violations under the TILA backed up with evidence that was provided to ACC. Per 15 USC 1611, Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or ( 3 ) fails to comply with any requirement imposed under this subchapter, shall be fined or imprisoned, or both. I have tried to settle with ACC, sending them an Affidavit of Truth stating a few of the violations under the TILA and an invoice for violations. They disregarded my request and stated they did not breach their contract. Due to violations ACCs contract is null and void and they have been collecting on this alleged debt after receiving a request for validation. On XX/XX/ ACC received my second attempt to settle before taking legal action.
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 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 corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with Equifax because an old delinquent account remains on my credit report past the time it shall remain on report. This account went delinquent in XXXX and closed XXXX. According to Equifax, there site states Generally speaking, negative information such as late or missed payments, accounts that have been sent to collection agencies, accounts not being paid as agreed, or bankruptcies stays on credit reports for approximately seven years. Its almost been 9 years. I disputed this because this is an error, I should not have to fight to have this fixed, especially when they state themselves 7 years since the account became delinquent. I have been very responsible since this and its a shame they cant fix their error. I appreciate any help in the matter.
Product: Checking or savings account

So bascailly Wells Fargo been stealing my money for years why I say they been stealing my money for yearsso today I looked at my account and my ending balance was XXXX dollars for today but all the sudden the charges that I made to the account days ago been post to the account leaving it in negative.. but I always keep a check book with me to know where my account stands always. So its like the pending transactions that already came out for the merchant the bank basically posting it taking another amount like that.. then when ask about it they cant explain it to me. So for example if i had XXXX in my checking account and spent only {$5.00} that that day it will come out the account leaving my balance at XXXX but when it post to the account for some reason Im left in the negatives
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  have invaded my right to privacy by reporting false, inaccurate and fraudulent information which has directly ruined my reputation as a Consumer as neither credit reporting agency, hereinafter 'CRA ', have adopted reasonable procedures to maintain my confidentiality which is in direct violation of 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). An identity theft report was created with the Federal Trade  Commission on XX/XX/2020 and the above listed CRA 's were each notified between XX/XX/2020 and XX/XX/2020. Two out of five accounts there were reported as fraud have since been removed as of XX/XX/2020 however, the remaining three accounts opened in fraud still remain and are being reported without my consent as a consumer.
Product: Credit card

I have received the email below from Best Buy Credit Card. They are claiming that the charge is for {$120.00} for the XXXX XXXX XXXX XXXX in purchased in XX/XX/2024. I have not used my Best Buy credit card in over 2 years. I have contacted both the Citibank Credit Card Customer Service XXXX and the XXXX XXXX Customer Service XXXX to inform them that I never authorized enrollment in any technology service plan. I have asked them to provide me with a copy of any contract that I signed enrolling iin the plan ; they have been unable to do so. I am not going to pay for something that I did not authorize. They are threatening to report this unauthorized charge as past due to the credit bureau. What can be done to stop them? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Email : XXXX Cell : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was storing my sensitive credit information irresponsibly without sufficient security on its databases. Hackers managed to get into the system and gain access to potentially devastating information on my credit. Equifax took multiple months to make the public aware of this hack, even though they knew about it beforehand.
Product: Mortgage

My mortgage was sold to Vanderilt Martgage and Finance. The new service company has raised the escrow requirements twice in less than 30 days. I called them to discuss it and their answer is " there is nothing we can do about it ''. I asked to have an analysis completed and allow me to talk to the analysis manager. I could not get past customer service. They are increasing the escrow for an extra month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : #, XXXX XXXX XXXX XXXX XXXX  XXXX {$1800.00} Account name : #, XXXX XXXX  {$1500.00} Account name : #, XXXX  XXXX {$590.00} Account name : #, XXXX XXXX {$4100.00} Account name : # XXXX  XXXX XXXX, {$6200.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft this account does not belong to me this is ruining my life.