23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

my name is XXXX XXXX, I had a credit card with XXXX XXXX XXXX   XXXX XXXX, while in contact with the collector, I received a Summons My complaint is because the process has been very abusive and misleading and almost fraudulant, I wasnt very experience of what to do when received the legal documents, so Capital one doesnt is not trusfull. 
TODAY I RECEIVED A DEPOSITION SOBPOENA ( date issu XX/XX/XXXX ), I also received a Notice of taking deposition records only, I also received notice of consumer of privacy rights for date XX/XX/XXXX for production of business records the envelop has a stamp of XX/XX/XXXX and I received the documents on Saturday XX/XX/XXXX.

Capital one alreary have a Judgement for a credit card I owned then, but when I tried calling them to make payment the lawyer wont call me back ... Now is this legal so like I mention Capital one has a  judment and wont make payment aragenments and now what to take a deposition not for Capital one but for XXXX XXXX XXXX, for the record I have alegations agaist XXXX XXXX XXXX and for the record I have in the past been agrevated by multiple entities including dafamation of character or I believe a stragety used in the past that I am XXXX to doght my entity I feel Capital one is one of them in how in the past reports to the credit berourow including reporting multiple time for the same item. and as I mention XXXX XXXX XXXX wrongfully denied my mortgage loan for any financial assistance after been a victim of a federal crime ( bank robbery that happened at work )
Product: Credit card or prepaid card

As suspected US Bank has overcharged me on fees across all three credit cards I had with them. They sent the attached letter over a month ago but havent returned the money I am owed. 
Please have them refund all fees from all XXXX credit cards I had with them Thanks
Product: Mortgage

To whom it may concern : Back in XXXX XXXX to XXXX reached out to me to help with my mortgage, after doing research recently with the XXXX it looks like XXXX XXXX XXXX is contracted and works with Ocwen to contact homeowners. This is illegal because XXXX to XXXX contacted me at my place of employment and I did not hand over my work contact information. 

In any event I went through the steps with them and singed over authority to contact Ocwen to receive access to my file. I provided XXXX to XXXX the necessary information and was informed by them that yes my monthly expenses should be looked at when under a review for a loan modification. All in all the modification that came back was unacceptable. The mortgage payment should be lower with P+I+ taxes.and within 31 % of my monthly income. Whatever they have to do the principal needs to be reduced to go along with the homes current value. I tried to appeal this with XXXX to XXXX and they refused to go back to Ocwen telling me I received the best modification going. REALLY for who, XXXX XXXX?? 

Because of this and getting XXXX to XXXX involved they took it upon themselves to turn around and deny the modification on my behalf which I did not authorize XXXX to XXXX to do,. I requested XXXX to XXXX to go back and negotiate a lower payment for me which they did not obviously at a rate of {$2900.00} payable to XXXX to XXXX. 

Now I received documents from Ocwen stating that there are NO MORE modifications available for my mortgage. Grant it I have been fighting for the past 9 years with Ocwen and in XXXX XXXX this year the CFPB finally sued Ocwen and it was settled over the summer and I have yet to receive information about this law suit. 

ESPECIALLY WHEN THE LAW SUIT CONCERNED FAMILY MEMEBERS INHEIRTING HOMES AND MORTGAGES FROM ESTATES WHICH I HAVE AND OCWEN SHOULD BE ASSISTING HOMEOWNERS AND OCWEN IS NOT DOING THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Equifax report, it shows a name other then mine. A name i NEVER used.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX -DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled XXXX Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., 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 an account without my written instructions. 
"
Product: Checking or savings account

I have this BoA debit card since XX/XX/XXXX I think it s alredy been 10 years! And I get a letter from them XX/XX/XXXX they said my bank will be closed, I dont know why, I try to call them ask why, they said they cant tell me Please help me
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/XXXX, Since then the PAYMENT HISTORY has been updated with XXXX  each month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information manipulates the statue of limitations and in addition to that. Your update of payment history cost me more than a XXXX point decrease in my credit score in XX/XX/XXXX. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. And I would also demand my XXXX points back that you cost me due to your willful negligence. I have attached screenshots of your lack of investigation XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I ask the credit reporting bureaus to do a verification of validation of debt. All credit reporting agencies stated that the debt were verified. I also requested how and who these credit reporting agencies used to validate person ( s ) debt. After several months I still have not received any communicating with Original contracts showing debts are validate as my debt. I personally did some research myself a found many inaccuracies that proves the debt was not properly verified. 

In Accordance with the Fair Credit Reporting Act, 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 without my written instructions.
Product: Credit card

I reserved a rental with XXXX XXXX for XX/XX/XXXX with a pickup time of XXXX local time. The estimate for this rental agreement was {$960.00} USD. 

At XXXX local time I received an automated email with my rental agreement with an estimate of XXXX Euros ( {$960.00} USD ). I arrived at the rental counter at approximately XXXX local time, and I was instructed to go directly to the vehicle lot located on XXXX XXXX to retrieve the vehicle. 

I was handed the keys to the vehicle and the pickup location of the vehicle. When we arrived at the lot to retrieve the vehicle, we found an XXXX representative standing by a partially closed garage door who took our keys out of a small XXXX envelope and handed those keys to me. She then pointed to the vehicle on the other side of XXXX XXXX and let us know that that was our XXXX. I proceeded to the XXXX and did a visual inspection of the vehicle, but the XXXX representative was gone and could not be found. I found considerable damage to the driver side of the vehicle which I took photos of. 


We dropped off the vehicle on XX/XX/XXXX at approximately XXXX local time in the same location we picked up the vehicle which was outside of XXXX business hours. Since XXXX was unattended, we were unable to discuss the existing damage with anyone at XXXX. On XX/XX/XXXX at XXXX local time, I received an invoice from XXXX along with a document containing pictures of damage to the driver side bumper. 

XXXX claims that I am responsible for the existing damage to the front driver bumper and valued the damage at XXXX Euros. 

I opened case # XXXX with XXXX on XX/XX/XXXX related to this false claim and I am awaiting a resolution. I opened up the dispute with Citi for the amount of {$450.00} which is the difference between overall charges of {$1400.00} and the rental charges of {$960.00} USD for the vehicle. 

XXXX has asked me on several occasions if I've opened a dispute with Citi while XXXX works on things on their side since it can take up to 90 days for them to resolve. Citi has not provided me the protections I expect to receive under our card holder agreement. Citi has refused to accept my dispute.
Product: Mortgage

I have requested on four separate occasions to have my escrow money returned to me. I was told on the first phone call that it was lost in the mail and I needed to wait thirty days to have the check reissued. After thirty days I called and they said they would mail it out again. After an additional thirty days I was told that it was never sent out by accident ( something internally wasn't done correctly and it wasn't processed per the rep I spoke with ), and it would be sent out again. Thirty more days have passed and I was told " they were behind because of Covid-19 '' and to keep checking back. This came from a supervisor. This is ridiculous as the money should have been returned to me back in XXXX of 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, Confirmation # XXXX refuses to DELETE THIS ACCOUNT FROM MY REPORT EVEN THOUGH IT IS THE SAME XXXX XXXX that they are already listing as being closed as of XX/XX/XXXX. 

XXXX XXXX, XXXX purchased these bad debts and are deceptively disguising them account as the original creditor being " XXXX. '' This is a disputed account pursuant to XXXX XXXX XXXX  and I am an " affected consumer '' pursuant to this ORDER. The Order states that these accounts are not to be transferred to Collections. Pursuant to the Consent Order I AM NOT LIABLE FOR THIS FRAUDULENT ACCOUNT and I want it deleted from my file. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Credit File states for this account that " XXXX '' was closed on XX/XX/XXXX. So how is it an opened account as of XX/XX/XXXX?
Product: Checking or savings account

On XXXX I received a text at XXXX XXXX XXXX XXXX someone had withdrawn {$880.00} from my checking account at atm machine on XXXX XXXX XXXX XXXX XXXXXXXX. I had my debit card with me and went into my accounts and found that this criminal went into my branch and withdrew another {$4700.00}. dollars and {$4800.00} from my savings account. I immediately called the bank and was referred to the fraud department in XXXX XXXX XXXX  and they had no clue how me and they did not understand that the money was gone and not pending, Then I filed 2 police reports and then I called the fraud department with the gentlemen XXXX XXXX, who argued with the fraud department and he had my debit card and saw for himself that I did not have my pin number written on my card. He destroyed my card because this man from fraud dept. " XXXX '' accused me after he did a " full investigation '' that I was the one who robbed myself and that any money temporairily returned to checking account was going to be taken back and nothing was replaced to my savings acct. I pay my mortgage with my checking and other bills and I have direct deposit from my employer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I could not reach the branch manager at all XXXX, as there is no voicemail or anyway to reach her. I called my congressman, THE OCC, SEC AND NYS financial banking services..
Product: Checking or savings account

On XX/XX/2022, I received an email stating that my application for a Bank of America checking account was pending. I immediately contacted Bank of America to report fraud, and they said they don't show any record of an account in progress, so the email was probably spam. The following month, I received a bank statement of the account in question, and I immediately contacted Bank of America, informing them that this fraudulent account that I previously reported was indeed opened. They assured me that they would immediately close the account and start an investigation. I received another statement a month later, so they never closed the account. I've done the due diligence on my end but Bank of America 's inaction is exposing me to additional fraud.
Product: Debt collection

Im trying to pay off my debt but they continue to play games I ask them to send out the information on my debt but they refuse and continue to call me and harass me by so I block there number
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX XXXX Account Number 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

Under the Loan Details tab of my account with Specialized Loan Servicing, XXXX appears the following message : Specialized Loan Servicing does not report payment history to the credit reporting agencies for the transfer month and two subsequent months. The servicing of this loan transferred to Specialized Loan Servicing on XX/XX/2021. 
During the first or second week of XX/XX/2021, I received a Welcome letter dated XX/XX/2021. My mortgage payment is due the first day of each month, so it is not possible to pay the correct servicer when the Welcome letter was mailed only a couple of days before my mortgage payment due date. Listed below is an excerpt from the Welcome letter. The second sentence and last sentence of the first paragraph contradict XXXX another and the second sentence of the first paragraph contradicts the second paragraph. 
The servicing of your Mortgage XXXX for the property address listed above has been transferred, effective XX/XX/2021. This means that after this date, a new servicer will be collecting your Mortgage XXXX payments from you. No other terms of your Note and Mortgage will change. XXXX XXXX XXXX will stop accepting payments received from you after XX/XX/2021. Specialized Loan Servicing LLC ( SLS ) will collect your payments going forward effective XX/XX/2021. 
Please send all payments due on or after XX/XX/2021, to the following address : Specialized Loan Servicing LLC, XXXX XXXX XXXX, City of Industry, CA XXXX Posted payment XX/XX/2021 yet the statement dated XX/XX/2021 does not show the payment and the amount due is two times the monthly mortgage payment. 

The previous Servicer and Specialized Loan Servicing, LLC both reported to the credit bureaus that my mortgage balance is approximately {$330000.00}, so the credit bureaus listed my mortgage balance at approximately {$660000.00}. My credit score with each of the three credit bureaus decreased XXXX to XXXX points and decreased on credit card websites XXXX to XXXX points. I contacted the Specialized Loan Servicing, LLC Customer Service Department. The employee escalated to another employee. I explained the issue to the employee that received the escalation. Her response was a giggle and stated no big deal, it will be corrected next month. 

Specialized Loan Servicing, LLC informed me they do not have an impact on my credit score and they did not report any information to the credit reporting agencies until XX/XX/2021, but I have attached contradicting information. I provided this information to Specialized Loan Servicing LLC, which they ignored and continue to state they did not provide information and will not respond any further.
Product: Credit reporting or other personal consumer reports

i do not know where those inquiries came from.
Product: Bank account or service

I tried to apply for a loan online. I was redirected to XXXX to get my credit score. 
It was supposed to have been a {$1.00} charge to receive the credit score and NO additional charge if the trial membership was cancelled. 
When I was unable to get my score, I called the SAME DAY ( XXXX XXXX,2015 ) and cancelled my membership. 
A {$1.00} fee was charged to my account, from both Myscore and XXXX on XXXX XXXX. 
HOWEVER, on XXXX XXXX additional fees of {$29.00} from Myscore and {$17.00} from XXXX were charged to my account, even though the membership had been CANCELLED a week earlier. 
Since these additional unexpected charges caused an overdraft on my account, I am also being charged {$36.00} PER DAY for overdraft fees. 
Myscore has agreed to eventually refund the original {$29.00} plus {$1.00} fees but not any of the overdraft charges. 
XXXX is REFUSING to issue any kind of refund. 
PLEASE HELP!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX  A XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX Balance : {$500.00} AXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$1900.00} TXXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This complaint is my folow-up to ensure the deletions of the listed items
Product: Credit reporting or other personal consumer reports

I TRADED IN MY XXXX XXXX XXXX IN XXXX OF XXXX XXXX HAS SENT SANTANDER A CHECK FOR THE OUTSTANDING BALANCE AND LATE PAYMENTS ARE STILL BEING REPORTED ON MY CREDIT REPORT. I NO LONGER HAVE THIS VEHILCE AND I AM CONSTANTLY SEEING LATE PAYMENTS ON MY REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX Date of inquiry : XX/XX/2020 XXXX XXXX  Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXX Date of inquiry : XX/XX/2020 If you feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account does not belong to me. I have contacted XXXX to resolve this issue and the representative I spoke with could not locate this account nor any account with my information. I asked the representative to please remove this account however, no action has been taken, nor have they contacted the bureaus to have this line item removed from my credit report. This incorrect reporting is harming my credit score and this line item needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma stated that I had an Excellent chance at being approved for a credit card based on my credit history however once I applied and they pulled my credit I was denied. Credit Karma should not have offers stating Excellent approval knowing that they do a hard inquiry on your credit only to get denied. Now I have a hard inquiry on my credit report and got denied for the card. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same companies on my credit report over 3 times. I still to date have not received written proof of the dept. I have sent multiple letters since 2019 and still got no resolution. i have sent court documents and still its on my report.