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

I 've attempted to make payment arrangements/offer of settlement with Capitalone, however, they insisted on a high payment totaling or equal to over  XXXX  for one month. I can not afford this amount and they are not open to any settlement offer either. I 've attempted to make payment arrangements via live chat in the past, however, the last rep was uncooperative and a separate complaint was filed in re which was not resolved. The balance is over  XXXX  and some charges are fraud, not authorized by myself. I believe a offer of settlement is fair, considering the fraud charges. How ever, Capitalone  will not accept. Since they will not accept settlement offer and or payment arrangements, please advise them to cease and desist from contacting me
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Cease and Desist Request Equifaxs Continued Reporting and Third-Party Harassment Dear Consumer, Financial XXXX XXXX XXXX XXXX am writing to formally lodge a complaint against XXXX for their continued reporting of inaccurate information on my consumer report and their participation in unauthorized third-party communications. Despite my previous disputes and requests for them to cease, XXXX continues to report negative information related to an account with Chrysler Capital, which has been charged off and is under dispute. 

Details of the Issue : Date of First Delinquency : XX/XX/XXXX Account Comments : Charged Off Account Creditor : Chrysler Capital Credit Bureau XXXX XXXX XXXX : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX 's ongoing reporting of this account constitutes harassment and unauthorized third-party communication. This behavior violates my rights as a consumer and is causing significant damage to my XXXX XXXX and financial standing. 

XXXX Requested : XXXX XXXX of XXXX : I request that XXXX be instructed to immediately cease all reporting related to this account on my consumer report across all media. This includes removing any negative marks associated with the account and ensuring no further information is reported until the dispute is fully resolved. 

XXXX of Further Communications : I request that the CFPB ensures no further communications occur concerning this account, either directly from the creditor or from XXXX. This includes phone calls, letters, emails, or any other form of communication. 

Correction of Credit Report : I request confirmation that the disputed account is marked correctly on my credit report, reflecting its disputed status. Additionally, I request that any inaccurate or unauthorized information be promptly corrected or removed. 

Written Confirmation of Actions Taken : I request written confirmation that XXXX has ceased all reporting and communication related to this account and that my credit report has been updated accordingly. 

Please consider this a formal complaint and request for immediate action to protect my rights and ensure compliance with all relevant laws. I trust that the CFPB will take the necessary steps to resolve this matter promptly. 

Thank you for your attention to this urgent issue. 

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

XXXX XXXX XXXX ( NCS ) reported a collection on all XXXX credit bureaus incorrectly for {$240.00} in XXXXXXXX XXXX XXXX  for myself and my spouse/co-borrower. I was never contacted by XXXX XXXX, but I did call them XXXX XXXX and offered to pay for the damaged carpet. They told me I would receive an invoice, which never came. 

However, since I am in the process of applying for a home mortgage with XXXX, I paid the debt in full since they agreed to send me a paid in full letter and would contact each reporting bureau and request the item to be removed. As of today, they have not contacted any agency. I have contacted all XXXX, uploaded disputes, Paid in Full Letter, DL and utility bill. XXXX removed the collection within XXXX hours. XXXX and XXXX have not. 
I have worked hard on my credit and this is the only collection noted in years. I wanted to fight the remarks, but my loan XXXX said to just pay it. 

Thank you
Product: Credit reporting or other personal consumer reports

My wallet was stolen about 2 years ago and someone opened credit cards in my name, got into my bank account and over drafted them on several occasions. Ive tried and tried to get these removed and resolved but my credit will jump right back up in the XXXX and go tight back down when they put it on there again, i have XXXX car loan through XXXX thats it ive never been late on it my credit should be excellent but these people are XXXX  find who stole my identity and put it on their report id like to buy a house when my car is paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

i reviewed my credit and seen these 3 accounts on my credit report that do not belong to me so i added a fraud alert and filed a FTC report and a identity theft victims complaint and affidavit so i can have these fraudulent accounts removed.
Product: Mortgage

I applied for a mortgage with NVR Mortgage Inc to purchase with their sister company XXXX XXXX XX/XX/2023, I received an initial disclosure and made mention to the sales agent XXXX XXXX for the sister company I would not be able to come up with the funds disclosed in that initial disclosure, she then had XXXX XXXX reach out to have a conversation with me about this where I made note to him I would not be able to accomplish what the initial disclosure was requesting he assured me that was not accurate and he would get things to work. On XX/XX/2023 i received another loan disclosure from XXXX XXXX the loan officer to which I needed to sell my car and/or pay off a loan to be able to qualify for the loan, I made attempts to get quotes on my car to which was too expensive and I further realized I would need my car for medical purposes. We then discussed trying to add a coborrower to try and qualify to which we did try to add XXXX XXXX on XX/XX/2023, on XX/XX/XXXX we switched from a ready to build home to a ready to move in home, and the process sped up, on XX/XX/2023, we received a further disclosure which again required me to pay off debt and bring a certain amount to closing to which I again told XXXX I was unable to meet, we notified NVR Mortgages and XXXX XXXX of this on XX/XX/2023. At this time after speaking to my realtor, we decided to terminate purchase since I was unable to meet qualifying/closing terms of the loan. NVR Mortgages inc in partner with their sister company refused to provide me with a loan denial letter per federal law which would state i was unable to meet loan requirements ( lower DTI and bring closing funds ). This therefore has allowed their sister company to state I defaulted on contract to purchase home in termination of the contract thus keeping my earnest money of {$7700.00}.
Product: Debt collection

Greetings Radius Global Solutions, I'm writing you today because I have received several text messages from your company and I couldnt identify any record of a business relationship we may have entered into. Then I noticed that you have furnished adverse information on my consumer report for the sum of {$180.00}. The only problem is I do not have any record of recieving my right to dispute the debt prior to it being placed on my report. 
Please provide me with a copy of the certified mail receipt with my signature so i may review my records in accordance with the date of delivery and we may proceed accordingly. If you can not provide proof of receipt of initial communication notice, promptly inform the credit reporting agency 's to remove/delete this account from my credit report and if applicable by law, send an initial communication letter so that we may restart the process lawfully and with clean hands. 
Thank you very much
Product: Debt collection

The debt collection calls all the time at all. 
recent call was on XX/XX/23.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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. 




XXXX XXXX XXXX # XXXX ( late payment ) XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/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: Student loan

I have been paying on my loans since 2010 and the balances have barely decreased. Tried to make arrangements and the still closed one of my accounts. They have been calling me and my dad ( co-signer ) about late payments even after I paid on the balance. They sent me a repayment amount for the only open account, which I have been paying, and still send emails saying I am delinquent and owe more money. The system will not allow me to make payments each month even though if it is above the amount my monthly payment is. They now tell me I have to pay on the closed account because they still collect money for it even though I have sent money to the debt collector my account was sent to. I have asked for statements and monthly payment requirements but get different answers each time I call. They still have not sent all my statements for all loans, what Ive paid, & the balances due. I cant get into the account online. It always says The account is disabled. I have asked on several calls to them for this to be corrected but they have not fixed the problem.
Product: Credit reporting or other personal consumer reports

My account with TransUnion 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 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. 


TransUnion 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: Credit reporting

I requested a copy of all three national credit report and there was a hard inquiry on my credit by a third party credit reporting agency. I submitted a certified letter to Credit Technologies, INC. requesting a freeze on my credit report. They responded by saying that the hard inquiry could not be removed from my report, in which I did not ask that it does. I asked for a freeze and that was not honored. I feel that hey are indeed trying to give me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXXXXXX XXXX
Product: Mortgage

Alcova has failed to pay my R.E. taxes. I have an escrow account with more than enough money to cover the payment. I have been trying to get them to pay it for over a month now. It is severely delinquent. 

I started contacting them a month ago when I received the delinquent notice. I have been told numerous times that the issue has been noted, and escalated. To date, the taxing authority has not received my tax payment. I have requested a refund of my escrow so that I may pay my own taxes to no avail
Product: Mortgage

I applied for two refinances with XXXX XXXX, and I decided I would go with another lender due to the slow response so I withdrew the loans. I had given my credit card so an appraisal could be ordered BUT when the XXXX called I told him I was not going through with the transaction so he cancelled the order and I also notified XXXX. The Processor called me over 3 weeks ago and confirmed she would confirm when they were going to credit back my credit card since the appraisal was never performed and I have never heard back and I also have left two messages for the XXXX to please contact me back on when I will be getting my appraisal fee refunded and have not heard back. I have two other loans with XXXX from previous refinances but now no one will get back with me on crediting back an appraisal fee of {$720.00} on these ( again never was done, XXXX was told when he called to schedule I was withdrawing the loans so he cancelled the order )
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed XXXX  inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account i am asking you verify as accurate : XXXX XXXX XXXX  XXXX
Product: Student loan

They keep overcharging me for interest and incorrectly appying payments. Please see XX/XX/XXXX statement and payment history. The interest amount due XX/XX/XXXX on statement is a little bit over {$70.00} however, when I made my payment on XX/XX/XXXX, they applied over {$90.00} to interest. Why? This is not the first time they apply interest more than it should be.
Product: Checking or savings account

On Saturday, XX/XX/2022, around XXXX XXXX  we ( my husband and I ) checked into the XXXX XXXX XXXX on XXXX XXXX  XXXX, XXXX Texas XXXX. We left our bags and went back to our brother in laws house. We returned around XXXX XXXX  with our children and grandchildren. We started to give them baths ( no showers ). The manager came and knocked on the door. He stated the room below us was flooding. We allowed him to go in. He checked the shower, flushed the toilet, and left. 

Upon check out ( XX/XX/2022 ) we asked for an invoice and he refused to provide one. We called the police and they obtained an invoice for us, we saw the charge for a broken showerhead. We reached out to our bank to dispute the charges and provided pictures. Our banking institution wrote : " It's unfortunate, but they stayed there and broke the shower head which caused the damages. '' Not only did our bank fail us by remaining neutral they also condemned us by stating we did something ( broke the shower head ) that we did not.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. 

XXXX Bank XXXX Mortgage XXXX XXXX XXXX XXXX, MN XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX, OR XXXX. 
Owner : XXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( US Bank Home Mortgage ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although US Bank Home Mortgage is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. 

Therefore, because US Bank Home Mortgage has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under XXXX ( and all relevant laws ), because my application was denied for lack of documents despite US Bank Home Mortgage previously acknowledging that my loan modification/RMA packet XXXX packet ) was complete? 

Although there is no pending sale date, is US Bank Home Mortgage intentionally declining to review my subsequent packet? 

For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible? 

In order to determine if I am eligibleand because I would like to receive the documents requested per a qualified written request ( QWR ) I had sent to US Bank Home Mortgage. The timeline to provide me documentation per the QWR has passed. Can you assist me in requesting the loan servicer to provide me ALL of the requested documents I am legally entitle to? 

At present, there is no sale date on my subject property. From my review of the laws under XXXX, I understand that your office has the authority to investigate these types of matters and I am requesting the CFPB to assist me. 

Thank you, and if you have any questions other concerns, please do not hesitate to contact me at the address set forth above. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In late XX/XX/XXXX, XXXX contacted me and requested a {$10.00} payment and then another {$150.00} payment on XX/XX/XXXX. On XX/XX/XXXX, they cancelled my account and did not appear to take the money out. On the same day, their authorized dealer that initially set up my account, advised me of the disconnected account which confused me given the arrangement on XX/XX/XXXX. XXXX from XXXX XXXX in XXXX GA, an authorized XXXX dealer, told me that XXXX disconnected my account and she did not even see the payment. She then advised me that I could start new services with her. I was going to move forward. 3 days later my account was debited by XXXX XXXX but my account was still disconnected. Due to this error and lack of communication, my account was overdrawn and I was charged fees. I called the XXXX dealer and XXXX XXXX who BOT admitted they caused the error and XXXX XXXX agreed to refund my money in 3 business days. That turned into 14 days which has now turned into nothing. On XX/XX/XXXX, I called XXXX XXXX with XXXX ( XXXX Dealer ) and we discovered that, as they previously admitted, they owe me the refund but now are unable to send it due to their system errors and employees that basically screwed the account. XXXX XXXX told me to go to the XXXX dealer. The XXXX dealer bounced me back to corporate. So i just dispute the charge with my bank because I was charged for something and did not receive the service! I disputed on XX/XX/XXXX with BOA. On XX/XX/XXXX, today, I received the usual notice that the claim could not be paid because it was authorized. I call in and speak with XXXX ( XXXX ) and am told that because it was an ACH transaction basically it is ok for the merchant to take monies from me and not provide a product or service. Bank of America is the worst and THIS TIME I am closing ALL of my accounts! WHY does BOA make consumers FIGHT against businesses with no integrity. It should be open and shut- no services or product, no money! Instead, the make ME fight to get my money back! I have not been able to resolve this with XXXX XXXX, the dealer, or BOA. These type of experiences make the greed and lack of integrity in the world much more disheartening!