23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Innovate Recovery has been trying to collect a debt from a previous apartment complex. This debt was first dismissed by a justice of the peace judge on XX/XX/2019. After countless attempts of letting them know this, they are still trying to collect on the debt. Even with the information they are sending, the amount is not the correct amount that they are showing from the apartment complex. On my credit report, the amount is {$3200.00} is not the correct amount, but are sending the final bill verification from the apartment complex that is showing {$3200.00}. There is an extra {$50.00} that is not accounted for nor was I made of any additional fees that were going to add to the original amount by this collection agency, which under the Texas Finance Code is a violation as I am asking for them to show that the debt that they have is valid. So that means any additional fees that the collection agency is attempting to collect, which is cited under Texas Finance Code Sec. 392.303 ( a ) ( 2 ) that states " collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. '' Innovate Recovery and I have not entered an agreement nor was I as a consumer made aware of any extra added fees that are trying to be collected on. I have spoken verbally to the company and have asked for them to explain the extra fees and also I have sent written communication, to which they have responded with no information or any agreement that this extra {$50.00} is my legal obligation to pay. They have also verified with all 3 credit bureaus that this debit is accurate, which this debt is not accurate nor should this debt have been referred to collections, as the debt in its entirety was dismissed in a Justice of the peace court in XXXX County Texas. Which Innovate Recovery has been made aware of and it is known, but are still trying to collect and verifying that this debt is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the Accounts XXXX  XXXX bankruptcy accounts # XXXX This account is reporting to all three bureaus, XXXX XXXX ACCOUNT # XXXXand XXXX they are reporting to XXXX and XXXX 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
Product: Credit reporting or other personal consumer reports

Review my credit report and notice fraudulent items being reported
Product: Mortgage

On XX/XX/XXXX I sold my house which was under mortgage by Bayview Loan Servicing. The payoff request/statement received from Bayview on the day of closing did not include the last payment that was made on my mortgage ( {$880.00} ). The title company responsible for the closing called Bayview and was told that the last payment had not been included in the payoff statement due to insufficient time between payment being made and payoff request being requested. I was informed that the overpayment would be returned within 21 days. 
It is now more than two months since the closing and I have not received any funds back from Bayview. 
When logging on to my Bayview account online it states that the last payment received was XX/XX/XXXX. This is the date when the second to last payment was posted. So it seems like my last payment which cleared on XX/XX/XXXX, is missing from their system. 
In XX/XX/XXXX I had a similar experience with the same mortgage company. All payments were made on time but still Bayview claimed that one payment was missing. I provided documentation of all checks to them clearing the bank, but Bayview refused any wrongdoing. After I filed a complaint with the Consumer Financial Protection Agency they finally admitted that the mistake was on their part and that they accidentally had posted one of my payments incorrectly. The funds was finally returned to me. 
It seems to me a similar situation has occurred again. I have documentation that the last check on my mortgage cleared on XX/XX/XXXX, but Bayview claims the last payment received was XX/XX/XXXX. 
Due to my house being under a bond for deed contract the mortgage payments have not been made by myself directly, but though a company called XXXX. XXXX have provided me documentation of the last checks to clear the bank. This will be attached to this complaint. 
I am surprised and appalled that a mortgage service company can do this kind of mistake multiple times and wonder if it is due to incompetence or if the company is trying to defraud their own customers for personal gain.
Product: Credit card or prepaid card

on XX/XX/XXXX, i bought a motorcycle tank on XXXX from a seller name XXXX XXXX XXXX XXXX XXXX ) for {$950.00}. The seller described the tank for being for a XXXX XXXX monster XXXX after buying and sending it to the shop, the mechanic told me that the tank does not fit my bike and that it was wrong. i then told the seller who admitted to sending the wrong tank. they wanted me to mail the tank back to them which would be the equivalent to the tank price over seas. i refused as it was their mistake. i told chase bank that the seller wronged me and that it was their fault. i also had proof of the dispute. Chase bank closed by dispute simply by saying that the seller sent the product. they didn't take my evidence into account. I lost alot of money and i want it back. please help me. my chase claim number for this dispute is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports 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

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. 

XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, 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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting 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 {$16000.00} Account number XXXX Account name XXXX XXXX XXXX $ XXXX {$14000.00} reflecting XXXX different numbers on different bureaus Account number XXXX Account name XXXX  XXXX XXXX XXXX {$1800.00} Account number XXXX Account name XXXX XXXX XXXX XXXX {$3900.00} Account number XXXX Account name XXXX XXXX XXXX {$460.00} Account number XXXX Account name XXXX XXXX  XXXX XXXX {$15000.00} Account number XXXX Account name XXXX FEDERAL XXXX XXXX {$620.00} Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 XXXX 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 card

I made the full payment of the statement balance on the credit card on the due date XX/XX/2024 but instead the payment was credited the next day XX/XX/2024 which then resulted in a late fee. When I learned of the late fee, I called customer service, and they waived the {$29.00} late fee. However, a few days later when I logged into the account, I realized that a purchase interest of $ XXXX was charged at the closing billing statement on XX/XX/2024. I called customer service about the interest charge that it should be charged because I paid the due date the statement balance, but their system credited my payment the next day, but they refused to give that consideration.
Product: Student loan

Ive had my student loans through aidvantage set up on auto pay and they keep doing a payment reversal even when I have plenty of funds in my account and my account says its current and I dont have any payments due at this time. How can I get my payments processed so I can pay down my loan? I dont want this impacting my credit.
Product: Credit reporting or other personal consumer reports

Received a copy of my credit profile and incorrect information was being reported on it. incorrect addresses, employment and phone numbers
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. 

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 XXXXXXXX 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

Dear Credit Reporting Agencies, Experian, XXXX and XXXX ; I'm getting anxious every time i looked at my credit report with those alleged negative items listed below because you're failing to truthfully investigate my previous requests. Sorry, my English is not that perfect, but i'm stressed out. There is no way that your company can say that they complied with my investigation because there are still multiple errors, incomplete, and unverifiable information. 

Here are the 3 items I'm concerned about and I demand an immediate deletion. ( XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX ). As you can tell, those accounts still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. 

Plus, for the last 3-4 months, I'm getting generic template responses from your agency. It's my understanding reading the recent articles from cfpb website that XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond.
Product: Consumer Loan

We are an oilfield family. The last XXXX3 years have nearly sunk us. I have repeatedly sought assistance from TD Auto Finance to work out some other means to get through this without bankruptcy or reposession. They once gave a deferral, but said we had to pay on time for a year before another deferral could be offered. The website only allows partial or future payments if you are caught up on your payments. It refuses to allow partial payments if you are 30+ days over due. They are causing more late fees by not taking partial pay.
Product: Credit card

Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Subject : Chase Credit Card Dispute - Fraudulent Transactions Not Properly Investigated Complaint Details : I am filing this complaint against Chase Credit Card for their failure to adequately investigate fraudulent transactions tied to a sophisticated scam I was a victim of. Despite providing substantial evidence to support my claims, Chase has denied my dispute without addressing the full scope of the fraud. 

Here are the key details of my case : A scammer persuaded me to send money through multiple channels, including XXXX, XXXX, and checks, as part of a coordinated scheme. 

The scam followed a distinct pattern : checks were deposited into my Chase bank account, followed by XXXX or XXXX transactions to the scammers accounts. Subsequently, the checks bounced, leaving me liable for the funds. 

The fraudulent transactions occurred between XXXX and XXXX, involving XXXX XXXX transactions tied to my Chase credit card, totaling around {$4500.00}. I also suffered an additional {$1500.00} loss from XXXX transactions. 

Chases decision letter states that the charges are valid because the services were either received or made available to me. However, this conclusion is erroneous because : I have provided evidence of a fraudulent cycle involving the same individuals, including proof of rejected checks and the scammers communications. 

Chases investigation appears to have focused solely on the XXXX transactions without correlating them with the rejected checks and XXXX transactions in my Chase bank account, which clearly demonstrate a fraudulent scheme. 

This situation has caused significant financial and emotional stress. I rely on Chase to provide fair and thorough investigations, and I feel that my concerns have been unjustly dismissed. 

Thank you for your time and attention to this matter. 

Attachments : Screenshots of rejected checks and XXXX XXXX XXXX logs with the scammer ( to be provided upon request )
Product: Mortgage

I am writing to ask for your assistance with an issue that we are having with XXXX  XXXX XXXX through Wells Fargo. 

Our loan is backed by XXXX, but serviced through Wells Fargo. In XXXX we applied for and began a three month forbearance. On the Wells site it indicated that we would be able to delay the three months of payments and add them to the end of our mortgage. The exact thing that we have heard through the news. There was no indication that XXXX loans had different rules. 

After three months of forbearance, we were able to adjust our finances. We asked to resume our payments, and in XXXX began making our normal payments. Online we indicated we wanted to add the payments to the end of the loan. Also, a Wells representative called us and we established that we would be adding the payments to the end of the loan. 

A couple months later, we started getting paperwork and phone calls indicating that XXXX had different rules and would not add the payments to the end of the loan. They indicated we needed to pay the entirety of the three months of payments. This obviously would not be possible for us. 

We received in the mail an appraisal that Wells had ordered for our house. They requested copies of our taxes, pay stubs, and bank statements. Although we did not understand why they needed them, we submitted all requested documents. In XXXX we received even more document requests. We are not sure whether they are proving we make too much, or not enough for whatever they are working on. They insisted multiple times that it was XXXX that wanted the documents. The XXXX representative stated it was not their request. 

In the ten years we have had our mortgage, we have never missed or been late on a payment. On the thirteenth, we will be in " default '' as the documents they are now requesting don't even exist and we won't be able to provide them. Things as silly as they want a " Wet stamp '' rental contract versus the digitally signed contracts we use for our tenants. 

We have requested a copy of the online agreement and phone conversations with Wells representatives, but they have never sent it. 



Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is repeating inconsistent data with two medical accounts collections, One account being reported as medical in the comments, the other does not. 

I hereby dispute both accounts from XXXX XXXX XXXX for inconsistent reporting. 

2. I herby dispute both accounts as I will provide proof that XXXX operating XXXX XXXX XXXX either is stupid or she's the one performing illegal activities violating my rights- view the attached documents, answer me why she has not responded to the complaints regarding the illegal letter they sent to me. See attached.

3. Why wont CFPB do anything about them lying on their responses on your government website.

4. Why havent you assessed the HIPPA. Violations!? See attached
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



UNAUTHORIZED INQUIRIES : Experian 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 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 of 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 reached out to CapitalOne last week to see why they haven't reported an account that I'm a co-owner/ authorized manager of. When I called them and opted in they told me I have two accounts with them. I informed them that the only account that I had was a shared account with my husband. The lady I spoke with tried to verify the information with me and asked me my email address. When I gave her mine she told me the the email address attached to this account and other information was different and was something I NEVER heard of. From there she prompted me to talk to the Fraud department which I did and they said they would investigate it. However, after being informed of this fraudulent account, Capital One Claims, they conducted a full research and found no fraud in under 7 days time. They also gave me a " case number '' XXXX. However this is clearly another case of Identity Theft. They have NOT sent me any information to me regarding this account even after I requested. However from calling the XXXX number I find out they have sold this Fraudulent account to XXXX XXXX  while it was still in dispute status. I am documenting this complaint as a record both to Capital One Bank and XXXX XXXX that they are trying to collect on an account that is COMPLETLY FRAUDULENT. I notified authorities on XX/XX/2021 that I was a Victim of Identity theft and since then have frozen my credit and enrolled identity theft precautions with each bureau. I have also submitted this to the FTC and refuse to be charged for goods and services I've never requested nor benefited from. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. As of right now neither Capital One nor XXXX have sent me any information regarding this Fraud account. The FCRA has rules regarding identity theft and Both companies are operating against the law.