23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Due to continued and ongoing fraud perpetrated by XXXX, I recently had need to file several dispute and fraud cases with Capital One. On XX/XX/year>, I was made aware that these cases appeared to have been entered incorrectly. I faxed Capital One two letters requesting that all fraud cases be changed to disputes, with specific attention given to the retailer XXXX. Both are attached. However, XXXX started using it as an excuse not to issue refunds for those transactions the same day. I have yet to receive any confirmation from Capital One of receipt of this fax, and my account currently as of today, XX/XX/year>, shows no active disputes. I last spoke to two Capital One representatives on XX/XX/year>. During these calls which I recorded, the first representative informed me none of the current fraud cases have been converted to Disputes, and the second attempted to tell me that disputes can only be filed on the phone ( Which is clearly not true ). This was with regards to a different credit card account. No mention was ever made of my original above referenced request. Yet, for two weeks, XXXX has been using my disputing those charges, that they became aware of the same day I sent the fax, as an excuse not to issue refunds until I mentioned that 1 ) Many retailers appear to be waiting until I file a dispute to issue refunds 2 ) If they were to issue the refund before Capital One got around to processing my request and 3 ) Inquired how they became aware of disputes my bank has not yet acknowledged. XXXX has not yet responded but did manage to issue a refund for one of the disputed charges since then. I have attached the referenced correspondence along with a previous complaint I have made with regards to XXXX XXXX  There would appear to be a pattern developing wherein my financial institutions or employees thereof are participating in a scheme to help defraud me. Previously, Capital One had requested information with regards to two purchases made approximately 8 months ago. I showed these to XXXX XXXX  as they were the first financial institution to ever attempt to tell me a charge was too old to dispute. I after providing the information, I received two letters informing me in a somewhat rude manner that the charges were two old. When I called to inquire, I was again told a lie, that Master Card has a strict 60 day policy, and that they did do research while waiting for my additional information on the disputes they knew they would eventually deny due to this 60 day policy. I have since appealed their decision in writing and believe they may have reversed it, simply not retracted the provisional credit. I cant really be sure.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

XXXX -- Carrington Mtge . Said this is a duplicate copy of XXXX I don't know why any one would read this and come to that conclusion. This complaint is more damaging. I made a mistake on XXXX. The Insurance Carrington put on the house XXXX is {$400000.00} NOT {$300000.00}. That's the Correction from XXXX complaint. Carrington Mtge. took out Insurance from XXXX XXXX XXXX XXXX no # XXXX was issued XX/XX/XXXX at XXXX through XX/XX/XXXX. Why would Carrington put insurance on our home and we already have insurance. We had already paid {$2600.00} The premium paid to XXXX from Carrington was {$3700.00}. We had already paid XXXX XXXX {$2600.00}. Total paid out of Escrow was {$6300.00}. 
Carrington has not paid the Taxes on our property. It should have came out the Escrow. 
Account. The Current Year Fair Market Value in XXXX was {$230000.00} That's what 100 % Appraised Value. Why is Carrington have the same house paying insurance premium for a {$400000.00} thousand dollar house that should only value {$230000.00}. This is a Mortgage SCAM
Product: Mortgage

I DISPUTE THE XXXX ACCOUNT XXXX XXXX & AND N.D.S.C. XXXX XXXX, I want verification of these accounts I have DISPUTED my loan documents with XXXX over the past few years there answer to the complaints is file for a loan modification and if approved the outcome will resolve the problems. 

No More i do not want the run around any more XXXX has lied to me and has lied to Hud and the BK trustee in the past and they might be lying to the company they hired to complete the foreclosure on my house. 

I have been told by XXXX that the foreclosure was stopped then i find out it is on again and today XXXX told me it was all being done by National Default Servicing Corporation and it was out of XXXX hands. 

I want to know who is doing what is XXXX or is National Default Servicing Corporation making the decisions about the foreclosure on my account? 

I got a loan for the past due amount and to bring my loan current with XXXX but i still have not received the past due pay off amounts, Also there is a title deed problem the old second is still listed on their they did not remove themselves after they were paid off before they went out of business some time around XX/XX/2010 Because of these things i have asked for a 10 to 15 day delay on the foreclosure sale date. 
XXXX has switched my workers around 2 times over the last few weeks and nobody knows nothing XXXX needs to explain to me about the fake loan document they have and were they came from.including the notarized stamps by my name when i was not even in XXXX XXXX CA when they were dated and stamped by someone,
Product: Consumer Loan

First they said I did n't make enough, that was a mistake, they told me to reapply, I reapplied, now there 's supposedly something on my credit report. The requirement is based on a credit score of XXXX and above based on experian credit reporting agency. My credit score as of XX/XX/2016 according to experian is XXXX with no negative accounts, I repeat, NO NEGATIVE ACCOUNTS. So at this point I am receiving rubber stamp denials by a company I do n't think really gives out loans.
Product: Mortgage

BSI FINANCIAL SERVICES , INC - Awaiting response to " Conditional Acceptance '', XXXX XXXX XXXX, XXXX - No response from the alleged Owner/Assignee, SERVIS ONE, INC - No response from this Servicer ( Mail returned to sender ), XXXX XXXX XXXX XXXX, XXXX - No response ( Mail returned to sender ), XXXX XXXX XXXX XXXX ( Trustee ) - No response ( Mail returned to sender ). -- Within the last 7 months according to " Administrative Procedures '', I have sent several correspondence to the above entities and all except one has responded to my attempt to obtain information concerning the alleged debt. It is my position to remain in honor at all times. However, due to the excessive complaints of mortgage fraud, and the Supreme Courts decisions to overturn foreclosures due to fraud, I took it upon myself to assure that the loan in which I am the holder of the note is in good standing. All payments are being directed to a personal savings account until lawful ownership of the note can be determined and a copy of the proper documents submitted. 
According to the " Securitization Audit '' I received on XX/XX/2018 it has been indicated that the Assignments, transfers and signatures may be fraudulent. I have tried multiple times through Registered Mail to obtain information concerning the Note. However, I have not been successful. All addresses associated with the entities listed above where obtained from ( www.sec.gov ) and none appears to be in compliance with the regulated requirements or not in existence. 
There has been ample time given for all entities to respond to all questions listed in the affidavits and all have failed to provide the requested information and by " Tacit Acquiescence '' they have all agreed to the ESTOPPEL of all attempts and fraudulent activities concerning the alleged debt. According to the MAXIMS of Commerce " An unrebutted affidavit becomes a judgment in commerce. See Heb. 6:16-17. Any proceeding in court, tribunal, or arbitration forum consists of a contest, or duel, of commercial affidavits wherein the points remaining unrebutted in the end stand as the truth and the matters to which the judgment of the law is applied ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXXBalance XXXX {$300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$760.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$700.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$660.00}.
Product: Debt collection

On XX/XX/XXXX was seen at ER. Received bill from XXXX AZ XXXX called and gave them insurance information. They billed insurance and insurance paid in full. Received another bill XX/XX/XXXX shows not paid. Bill sent to collections. Called collection company and explained. Sent in dispute on credit report. Had a XXXX way call with XXXX XXXXXXXX XXXX and insurance company. Told bill was paid all done and finished. Checked credit report this year XX/XX/XXXX and collection is still there. Called collection agency to dispute and insurance to verify. Collection agency told me, '' You received a check now pay us. '' I explained that it was paid in full and we did not receive a check. I have verified this information with insurance company. This is the third time I have spoken to a collection agency about this bill. Our insurance company does not send the member the bill. Spoke to insurance today XX/XX/XXXX to again verify. XXXX paid to XXXX XXXX XXXX from XXXX The current collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Insurance go will be sending me a copy of the claim so I can have a copy. I do not know what else to do.
Product: Mortgage

My husband and I were forced to refinance our existing mortgage with your company after we fell behind on two payments due to a loss of income. We were threatened repeatedly with foreclosure and out of destitution of losing our home, we signed the paperwork. The refinance fees were astronomical, and our interest rate was outrageous. Our new mortgage payment was over {$2000.00} a month and it was only by the grace of God that we were able to cash out a retirement account to cover the expense. We would end up having to refinance the house again a second time just to get payments that were more manageable. We felt taken advantage of and misguided during this time period. We have not heard from Wells Fargo since the XX/XX/XXXX verdict.
Product: Credit card or prepaid card

I opened a new Barclay XXXX XXXX credit card under a promotional offer. Based on this offer, after my first purchase using my Barclay XXXX  credit card, I will receive XXXX bonus miles. 

However, Barclay 's partner XXXX XXXX all the sudden closed my XXXX  account without any legitimate reason. As such, so far I have NOT received the XXXX bonus miles per the promotional offer. Meantime, I can not access my XXXX  account either. 

Since I have NOT received the XXXX bonus miles, I request Barclay to post the equivalent {$600.00} statement credit to my Barclay credit card account instead.
Product: Credit reporting or other personal consumer reports

Checked my credit and noticed a inquiry I don't recognize and is not tied to any of my open or closed accounts.
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 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681section 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 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a USBank XXXX XXXX XXXX XXXX card. I have had this particular card since XXXX. I have had my USBank account since XXXX. I use this XXXX card for both personal and business expenses and I pay {$49.00}. Recently, XX/XX/XXXX, I noticed XXXX reduced my points by XXXX points. I called them ( XXXX XXXX ) and discussed that the points NEVER expire. I was told I was wrong but the lady would request they give me back the deducted missing points. I waited several weeks but nothing happened. I went to the issuing back, USBank XXXX, MN ( XXXX blocks from my home ) and asked for help. Again, at the beginning of the conversation, it looked positive. The account manager called XXXX and they offered me XXXX points. I told them it was a slap in the face ... that is only +2 % of the XXXX they took from me. The manger called back and asked to speak to a supervisor... she offer XXXX but is was in the form of some kind of gift. I told her I want the points and not a small " gift ''. 

Can you help me?
Product: Credit card or prepaid card

I've submitted a dispute XX/XX/22 stating that I had inaccurate items and addresses that I needed to be removed from my report based off the information was inaccurate. I disputed several times about the same issue and company refuse to send me data or a letter what documents was reviewed never received a copy of the certified investigation. I asked them to provide a copy of all information from the furnisher. All this I was asking for is my right according to FCRA. 
Accounts : XXXX XXXX  XXXX {$720.00} XXXX XXXX  XXXX {$1500.00} *same account numbers Address XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX ( same Address ) * XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have rights that are given to me to protect me from misinformation being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted disputes on XX/XX/year>, and the results were returned to me about XXXX weeks later, on or around January 10/11, 2025, and no changes were made and the information on my report with these XXXX agencies remained inaccurate and impaired my ability to use my credit for personal use given the inaccuracies in their reporting, which companies rely upon for making decisions related to my name based on credit. 

Specifically, I disputed multiple errors on my credit report through three credit reporting agencies : XXXX, Equifax, and XXXX. When I checked the status of my dispute on the websites portal, I was advised these companies investigated and returned with the results XXXX days after my dispute was made. I checked to see if anything was changed, but there were no changes. The disputed information remained on my credit report. The disputed information included incorrect addresses and contact information and incorrect records of payment to the account when active and payments in full that were made to the account but not correctly reported by these agencies. This has significantly adversely affected my ability to use my credit as various inaccuracies remain on my report despite my disputes, and this has continuously prevented an accurate reporting of my credit to companies for my private use. I have been denied applications for credit that are directly based upon these agencies inaccurate and defective reporting of my credit history. These accounts need to be updated accordingly and inaccuracies removed so I can proceed with my life. 

Now all of a sudden, the dispute investigation results and information are no longer visible on my XXXX portal as though the company is trying to hide this information which demonstrates the continued bad faith and fraudulent conduct of these companies. Fortunately, I still have some of these emails which document my requests and communication from the reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the accuracy of a collection entry on my credit report. The information in question is related to an account held by XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ). I kindly request that this collection account be removed from my credit report as I believe it is inaccurate and unjustified. 

Account Details : Account # : [ XXXX ] Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$3800.00} No. of Months ( terms ) : - High Credit : {$3800.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : - Reasons for Dispute : Lack of Validation : I have not received any validation or proof of this debt from XXXX XXXX XXXX XXXX or the original creditor, XXXX. As per the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), I have the right to request validation of this debt, and until such validation is provided, the entry should not be reported on my credit report. 

Incomplete Reporting : The collection entry lacks crucial information such as the monthly payment, past due amount, and credit limit. This incomplete reporting does not comply with the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) and FCRA Section 623 ( a ) ( 7 ). 

Date Last Active Inaccuracy : The " Date Last Active '' is reported as XX/XX/XXXX, which is the same as the " Date Opened. '' This is not an accurate representation of the account 's activity and may be in violation of FCRA Section 623 ( a ) ( 1 ) ( D ). 

I am kindly requesting a thorough investigation into this matter, and I urge you to remove this collection entry from my credit report promptly. I expect that the credit bureau will comply with the FCRA and FCBA ( Fair Credit Billing Act ) regulations in handling this dispute. 

Please provide me with written confirmation of the investigation 's progress and the removal of the collection account from my credit report. Additionally, please send an updated copy of my credit report once the resolution has been made. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$8700.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX