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

I am having problems with the way this creditor report transactions : I got a cash advance from my credit card ending in XXXX of {$300.00} at XXXX XXXX  on XX/XX/XXXX. 

I paid the cash advanced right away on XX/XX/XXXX CAPITAL ONE ONLINE PMT XXXX ACH {$310.00} {$1100.00} TRANSACTION DETAILS Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX Type : ACH Even though my payment was made after the cash advance from the ATM, the defendant fraudulently posted my payment before the cash advance was made. Thus by not crediting the cash advance in a timely manner according to the proper bookkeeping practice : " First in first out '' the defendant will be charging interest on a debt that was already paid. on XX/XX/XXXX. 

My XXXX payment to CapitalOne occurred latter than XX/XX/XXXX : See info : XX/XX/XXXX CAPITAL ONE ONLINE PMT XXXX ACH {$310.00} {$1100.00} TRANSACTION DETAILS : Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Type ACH
Product: Mortgage

1. we financed an investment property through Sprout mortgage. 

2. XXXX we closed on the property : {$1400.00} monthly principal & interest {$280.00} monthly escrow ( this is for flood insurance only ) {$1600.00} is our total monthly payment *hazard insurance and taxes are not included in the mortgage payment 3. XXXX a letter was sent from Planet Home Lending stating they have bought our mortgage from XXXX. 
4. when the letter was received I created an account for Planet Home Lending and saw they are charging us {$2700.00} per month. 
5. XXXX the mortgage invoice was sent from Planet Home Lending showing our amount due XXXX is now {$2700.00} ( XXXX for home owner insurance + XXXX for taxes= these are NOT in escrow we are paying them out of pocket ) + XXXX for flood insurance ( this is in escrow ) 6. XXXX the annual escrow account disclosure statement was also sent now stating we have a shortage of {$2000.00} in the escrow account. That we owe an additional {$280.00} per month for the escrow shortage. 

THE HOME OWNER INSURANCE AND TAXES ARE NOT IN ESCROW AS STATED IN OUR CLOSING DISCLOSURE Contacts with Planet Home Lending : XXXX sent an email to Planet Home Lending asking them to correct the error on our mortgage. 
XXXX spoke to XXXX who transferred me to the tax division of the company XXXX spoke to the tax division when transferred me back to customer service where I was on old for over 15 min and had to hang up because no one ever came on the line. 
XXXX spoke to XXXX in customer service who advised me not to make a payment she sent the account over for review. 
XXXX mailed a letter to Planet Home Lending showing our closing disclosure stating that only the FLOOD INSURANCE IS TO BE IN ESCROW XXXX spoke to XXXX in customer service who advised me there are notes in my file about the account being under review. He told me to call back. 
XXXX received an email from Plant Home Lending stating that analysis was done and we owe more money due to an escrow shortage. 
XXXX sent another email again to Planet Home Lending stating that XXXX + XXXX for taxes and homeowners insurance are NOT TO BE INCLUDED IN ESCROW. 
XXXX received an email back that Planet Home lending that my complaint was received and would be responded back to by RESPA guidelines. 

I NEED TO SEND A MORTGAGE PAYMENT FOR THE CORRECT AMOUNT THAT WE SIGNED THE CONTRACT FOR WHEN WE PURCHASED THE HOME OF {$1600.00} PER MONTH. NOT THE FRADULANT AMOUNT PLANET HOME LENDING IS TRYING TO CHARGE US.
Product: Credit reporting or other personal consumer reports

This is to inform you of the inaccurate information thats being reported on my credit report. These inaccurate addresses and names on my report is damaging my financial situation. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX Bankruptcy case # XXXX with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is below. 

" The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. '' It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately!
Product: Debt collection

The XXXX  credit bureu report account is not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request to delete fraudulent items from my credit report. As per our earlier correspondence, I provided detailed information and evidence regarding the fraudulent nature of these items. 

It has come to my attention that the fraudulent items have not yet been removed from my credit report, despite my initial request. I understand the importance of accurate reporting and the detrimental effects that fraudulent entries can have on my financial standing. 

I kindly request an update on the progress of my request and urge you to expedite the process of removing these fraudulent items from my credit report. It is crucial that my credit report accurately reflects my financial history to avoid any further complications or misunderstandings. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX  XXXX Balance Owed : {$2400.00} ; XXXX XXXX  XXXX Balance Owed : {$30000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 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 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 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
Product: Mortgage

A fter Ocwen Loan Servicing ap proved our short sale on  XXXX / XXXX / 2017  we informed them that the buyer at the time was not working out on  XXXX / XXXX / 2017 . They told us that they understood since this is something that happens all the time and then gave us a list on what we needed to change the buyer out on the same day  XXXX / XXXX / 17 . We completed all documents on  XXXX / XXXX /   17  less than a month after receiving the approval. We were told that it would be a quick and easy process since we are keeping the same price and terms and only switching out the buyer but weeks have gone by and nothing. Matter of fact they are now asking us to resend documents that we previously submitted for the same approval. They are not honoring what they said they needed They are setting us back to restart this short sale and possible cause this buyer to walk away and have this clients property to go to foreclosure sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rent Recovery Solutions is reporting and account on my consumer report in error and they are trying to collect a debt that I do not owe. Rent Recovery Solutions have not provided me the original contract that bears my signature nor have they provided me any contract between them and I that states I owe them a debt. Rent Recovery Solutions have violated multiple sections the FDCPA. They have violated section 805 15 U.S.C. 1692c- Communication in Connection with a debt collection. Rent Recovery Solutions continues to call my phone before XXXX XXXX. which is a violation. I have sent them a cease and desist letter stating that I refuse to pay the debt. They have yet to cease all collection activities. They are still reporting this account to my consumer report, which per court case TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. They have violated section 806 15 U.S.C. 1692d - Harassment or Abuse. Rent Recovery Solutions has threatened me over the phone and have used profane language towards me which is a violation. They have violated section 807 15 U.S.C. 1962e- False or Misleading representations. Rent Recovery Solutions have gave false representation or implication that they operate or is employed by a consumer reporting agency as defined by section 603 ( f ). I will seek damages under section 813 15 U.S.C. 1692k- Civil Liability for each violation.
Product: Credit card

In XX/XX/XXXX I accepted a promotional offer from MNT Bank stating I would pay XXXX interest on any balance I transferred before XX/XX/XXXX. I proceeded to transfer about {$2600.00} to my credit card under this promotion. When I attempted to pay off the interest-bearing portion the bank stated they could not, separate or identify that dollar amount and I would still pay interest on any remaining balance which includes what I transferred. I believe not only was this misleading, but I am also not receiving the promised promotion of XXXX interest until XX/XX/XXXX. My ultimate concern is that this practice is done for everyone who accepts a balance, transfer promotion, ultimately deceiving credit card holders by charging interest on the balance transfer. I also believe that I should not be penalized for paying off my interest-bearing portion before I pay off my promotion.
Product: Debt collection

I received a letter from Brown & Joseph LLC dba XXXX XXXX claiming I have a debt from their client, XXXX XXXX XXXX XXXX. In the letter, they threatened to request the suspension of my drivers license even though this is the first I am hearing of any debt from either party. Additionally, the state requires additional steps before they can even request to suspend my license, like not satisfying a court determined judgement ( which I havent ever been requested to appear at ). The only information in the letter is the total amount of debt, a settlement amount, and how to contact them to pay or arrange for payment. No option to dispute or how to request verification of the debt. XXXX also failed to notify me of any debt, and never made contact regarding any debt or made any attempt to discuss it.
Product: Credit card or prepaid card

I received an XXXX Credit Card in the mail today. I checked and it is currently active. I have not signed up for a new credit card. I have not authorized XXXX XXXX or Commenity Capital Bank to open a credit card under my name and it is now on my credit score. I would like to make a formal complaint as they are closed on the weekends and I won't be able to formally cancel this card until Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT ENDING IN XXXX FOR {$550.00} XXXX  APPEARS ON MY EQUIFAX AND MYFICO CREDIT REPORTS TWICE. I HAVE A RIGHT TO A ACCURATE CREDIT REPORT AND THIS IS AN OBVIOUS VIOLATION OF MY FCRA RIGHTS.
Product: Credit reporting or other personal consumer reports

Inconsistent Reporting of Active Account ColoniXXXX Auto Finance I am reporting discrepancies regarding my account with Colonial Auto Finance. 
XXXX lists the account ( Account # XXXX ) as repossessed with a balance of {$3600.00} as of XX/XX/year>. 
XXXX shows the last activity date as XX/XX/year> with conflicting balance information. 

Under FCRA 1681e ( b ), inaccurate or conflicting account details can misrepresent the status of my account. I request a review to ensure the information is updated accurately across all bureaus. 

Thank you for addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed to Credit Bureaus a letter disputing inaccurate information on my credit report over a 2 months ago and in response I received a letter from Bureau stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that Bureau examine the enclosed documents more carefully this time. 
The disputed items must be investigated and negative information must be removed from my credit history. 

1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, two loans were fraudulently created in my name using Affirm.com with the retailer XXXX. The amounts are {$470.00} and {$1000.00}. 

On XX/XX/2024 I contacted Affirm when I saw an email I did not recognize from them. I learned of these two loans that I did not create. Affirm told me to contact XXXX to have them cancel the order. There is no phone customer service for XXXX and the only way to contact them is via email. I have no record of the orders as they were fraud, so I sent them an email about the affirm loans created in my name with their company. 

On XX/XX/2024 I contacted Affirm again who told me I needed to wait for their department to resolve. Meanwhile the loans still exist and they can not cancel them even though they were clearly fraudulent. I keep being told to wait and it is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother passed away and I have been trying to freeze her credit. I have called Transunion multiple times and every time they disconnect me. I can not even get to a service representative!!!
Product: Debt collection

Ability recovery services had contacted me. I asked them to refrain from calling my cell phone. They responded by saying then pay your bill! And hung up on me. I tried to call back and request a supervisor. The representative was very hostile and spoke over me. She was very aggressive and refused to get me to a supervisor. Then lied and told me she was XXXX. There was XXXX resolution. I do not wish to be harassed by a company. I am aware of this debt. Its the only one I have left but I will not be spoke to as if I am less than human.
Product: Debt collection

Phone call states they are attempting to collect a debt. 
i do not recognize any claim they have against me. 
I will respond to legal papers served to me. 

XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX www.myjcap.com
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX
Product: Student loan

For years they told me I could not get a new interest rate. I was in deferment for a while and I feel that they have misinformed and applied my funds. I am a XXXX and I have XXXX for 13 years at XXXX that qualify you for the {$5000.00} off. I sent in the paperwork and was denied. They said I took out a new school loan, when all I did was consolidated with them as they told me to almost 15 years ago. I just applied for the XXXX forgiveness in 2016. They could not explain why. Please help me! Thanks
Product: Checking or savings account

Someone has an account using my SSN but NOT my name or DOB I have been on the phone with Capital One for over 2 hours now getting thrown around to different departments and trying to figure out what is going on. 

For context, I have never had an account with Capital One before. 

* Sun XX/XX/XXXX - applied for Capital One Venture X * Asked to provide docs ( picture of SSN card and drivers license ) * Approved Monday XX/XX/XXXX * Got online access Friday XX/XX/XXXX * Want to move my Checking and Savings to Capital One so I went to apply through the online portal * At the end of the app it basically said " we need more info, call this number '' * I called the number and was told that there is a credit card account opened since 2021 using my SSN but NOT my DOB or Name * I verified that this account IS NOT on any of my credit reports * The fraud specialist at Capital One still told me to call XXXX XXXX XXXX. I did, and lo and behold they don't see it either so there is nothing they can do * Now I'm back on the phone with Capital One trying to get them to close the other account that is using my SSN How to get this resolved? I'm at a loss getting thrown around from person to person and nobody actually helping me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on explanation you provided in previous complaint ( complaint is attached ), your financial institution stated on the record that you engaged in discrimination based on place of origin and my application for loan was denied based on discrimination. 
My original question of the complaint was clearly stated : If the XXXX XXXX was engaged in discrimination. 

Your answer on record was : We do not discriminate against applicants regarding any aspect of the credit transaction on a prohibited basis. 

And I want to emphasize this quote : PROHIBITED BASIS this is word game, Because this is antonym of this word is PERMITTED, ALLOWED which leads us to conclusion that you still engage in Allowed Discrimination. 
My conclusion is : Yes I was discriminated based on allowed/permitted discrimination, but it doesnt change the narrative, because it is still counted as discrimination. 

Your actions is hurting my feelings, my well being and its violates United Nations Declaration of Human Rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX accepted my 1099 C and sent me copy B for my student loan tender of payment and then they tried to accuse me of falsifying information when my tax document clearly says its from XXXX XXXX in the upper left hand corner. I want this wiped off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion talk to representative about inquiries thats was moved off my credit from you all put they was put back on there please remove all these inquire thats removed Thank You XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX x2 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 x2 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
Product: Mortgage

i have a home loan with ocwen in XXXX ocwen started to sand bag my payments not telling as the year goes on i get a notice stating i am behind {$2500.00} buy there attorny i sent the law firm proof i am not behind while waiting to hear back i get another notice saying i oue {$4000.00} i cantacted the lawfirm and sent the proof again come to find out the law firm was fired do to them telling ocwen there wrong now few days lettter i find out XXXX and XXXX payments was sent back to me saying refused by payee now i get another notice says we now owe {$5000.00} and states our payment is over {$850.00} the payment is {$650.00} there and i still sent them there own paper work show we paid they moved the payment there rude on the phone help
Product: Credit reporting, credit repair services, or other personal consumer reports

When a creditor requests my credit report, Equifax places a comment on my file under Credit Score : Score Factors : that states there is a bankruptcy on my credit report. I filed for bankruptcy in XXXX and disagree with this still being reported on my credit report. This is creating problems, including higher interest rates on loans. While I could get a mortgage, this required additional documentation, including drafting a letter stating why I had not filed for bankruptcy. I contacted Equifax, who claimed it was not an issue because it is only a comment and not reflected elsewhere in the credit file and that after almost 25 years, I have not had enough credit activity to remove this comment from auto-generating. Equifax is the only credit reporting agency that still comments on the bankruptcy, and my score is, and has been, significantly lower than other credit agencies.
Product: Debt collection

I checked my credit and saw an account from SOUTHWEST CREDIT SYSTEM for {$510.00} for XXXX. I have no knowledge of this collection account and never received any written notice of how to dispute or settle the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX