23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2022, XXXX XXXX XXXX XXXX  debited {$91.00} from my Capital One checking account. I am paying the debt, but I am paying late. I used this account to pay my monthly payment last month, but it was a call-in payment, this is a new checking account that I have had for only a month maybe. This is not the account that I opened the loan with, and I did not tell them to keep my information on file nor did i sign anything stating to that fact! I called the XXXX location XXXX and spoke with the lady who opened my account and who took my payment last month, I informed her that she kept my Capital One card information on file and used it to make a payment fraudulently!! She stated that I told her when the account was opened that she could use that information and I called her a lie at that time because this account was opened XXXX mths ago I did not have the Capital One account at that time. I told her that I would be filing a report with the CFPB and informing my bank that the {$91.00} was debited from my account without my knowledge. I was told to call back XX/XX/2022, as I have to wait until the charge post. I will be calling my bank XXXX thing in the morning. After I told her all this, she stated that she was sorry it must have been a misunderstanding. It was not because I did not give my permission to use my card for the XXXX payment. She caused a payment to my rental company to be returned. I know that it is against the law to store someone information without their permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I noticed that my old XXXX loan servicer ( XXXX ) and my new XXXX loan servicer ( XXXX ) are both appearing on my credit report. This makes it appear as if I owe double the amount of debt. I owe {$21000.00} in federal XXXX loans and they are appearing twice on my credit report, making it appear as if I owe {$42000.00}. It is impacting my credit score and I was hoping to apply for a mortgage soon. I was informed the switch to a new servicer was taking place in XXXX, XXXX stopped reporting anything after XXXX. I was told XXXX would be taking the loans over from XXXX, but XXXX now has them. 

I contacted the two credit bureaus that show both. Equifax has adjusted the historical data of my loans at XXXX, but the record is still in my report. I am awaiting a response from XXXX. XXXX is only showing the XXXX loans. 

I contacted XXXX and I am awaiting a response. 

This is a serious issue as the reports show my credit score has gone down by XXXX points during this transfer of loans to a different servicer. Those XXXX points are literally the difference between a " good '' credit rating and an " excellent '' credit rating for me. If this is not corrected, I will not be able to get the best interest rates on a mortgage that I deserve.
Product: Mortgage

Had a chapter XXXX bankruptcy case from XX/XX/XXXX. A Motion to release from stay was filed for nonpayment and a consent order was granted. This case was dismissed due to other issues XX/XX/XXXX. XX/XX/XXXX a new case was filed and the post petition payment was due XXXX XXXX, XXXX. The payment was made on XXXX XXXX, XXXX and cleared my bank on XXXX XXXX, XXXX. XXXX XXXX, XXXX Called in to Wells Fargo to make XX/XX/XXXX 's payment and was told that I owed for XX/XX/XXXX. This repeated for three months. They have refused to acknowledge or properly post my payment. They are threatening to filed a motion for relief when they have my payment. I want them to post my payment and properly and accurately post a status. The confusion may be of the dismissal of one case and the quick refile of another however I have communicated to this with documentation at least twice.
Product: Debt collection

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is Caine & Weiner is reporting a collection amount of a {$340.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section XXXX of title XXXX Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff I have an account with Experian credit reporting company that updates me on my credit score monthly. Experian also shows the XXXX XXXX of the other XXXX credit reporting companies such as XXXX and XXXX, but the information appearing on the Experian website about my credit debt with XXXX and XXXX is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the Experian website. I have tried to address this issue with Experian before and nothing has changed. Experian needs to update its website and communicate with both XXXX and XXXX to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to XXXX Complaint # XXXX and again XXXX did not fix the issue with Experian.
Product: Debt collection

This has been disputed numerous times. I have not received any validation of the debt that I owe. No paper work showing my signature. The dispute was sent back in XXXX so it's well past the 45 day time for the response for the validation of this debt. It has also been over the 4 years so the statue of limitations has past to collect on this debt per the state of Texas debt guidelines. I would like this removed from my credit report. I also had a XXXXXXXX XXXX XXXX 2019 I have XXXX XXXX, a XXXX  and XXXX. I am XXXX now. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report on XX/XX/23, it was noted that an account I have disputed as " not mine '' is still reporting after disputing this information with XXXX. XXXX has not provided proof of ownership of this account and continue to report this inaccurate information damaging my credit worthiness. I am requesting the proper verification and accuracy of this account. The account is reported as SelfXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX XXXX  ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting or other personal consumer reports

I was told these things will be removed from my credit report and they are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not dispute credit report online via Equifax : https : /XXXX System security questionnaire reports incorrect responses despite me having all credentials readily available and being well aware of what is on my credit. This, in turn, blocks you from making any disputes online. This has been happening for at least three years in which the majority the time that I try to access the system I am denied access. Most recently on XX/XX/2019. If, according to Equifax, you inputted incorrect information in this questionnaire. Even more agitating is that you get locked out without any notification or second attempts. I have tried a day later to three days later with the same result before I can try again. This is unacceptable. 


It seems this has been a fraudulent practice implemented to push consumers into buying their credit products which have its own credit dispute system. 

There are two other options to dispute. Snail mail is not an option in 2019 ; it's ridiculous. Especially for time-sensitive issues that can take months to rectify. Requesting dispute by phone has not ever ended in me successfully completing a dispute. The representatives speak poor English and do not seem to comprehend clearly. it most likely ends up with them inputting incorrect information but that is speculation. 

There is something wrong with the systems code or database. Nothing a person could see without looking at the source code. It seems to happen when the questionnaire presents questions that do not apply to you and you choose 'none of the above. '
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXXDate of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$770.00XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$330.00}
Product: Credit card or prepaid card

In 2019, I started getting statements from for my AMAZON Chase credit card that showed many monthly charges with what looked to be membership accounts. They were refunding them but they never clarified what they were. I had files on my computer that appeared to be a business of some sort and a website in my name that could have been linked to this. I want to know what those charges were. In addition, I am separated from my husband going through a divorce. I asked for a new credit card number and now I have three ( the most recent being the one I asked not to be associated with ). The one I asked not to have ends in XXXX. The other two are XXXX and XXXX. Please see attached statements and their confusing letter. The customer service is very confusing. I returned a counterfeit print cartridge to XXXX XXXX ( as directed on XXXX 's site ). They put the money as a credit for XXXX  instead of returning the money to my credit card. Chase mailed me a letter stating they refused to put the money on my card but my statement shows they did refund me the {$61.00}. Who made the {$61.00} payment on my account?
Product: Mortgage

Started financially struggling XX/XX/XXXX. I planned on borrowing the owed amount so I asked the foreclosure attorney for a reinstatement letter but never got them when valid. Difficult process. Then I asked if I had any other options. Sent me a loss Mitigation packet with no explanation or direction. Horrible experience. Finally got HUD involved in XX/XX/XXXX. Was approved for forebearance starting XX/XX/XXXX thru XX/XX/XXXX. Foreclosure process still moving forward while in forebearance until on or around XX/XX/XXXX when I emailed Cross Country, XXXX and the foreclosure attorney asking why we have court on XX/XX/XXXX. That is when I learned the XX/XX/XXXX court date was to request a sale date from the judge. No loss mitigation offered in the first forebearance entered into a second forebearance on XX/XX/XXXX thru XX/XX/XXXX. Received my partial claim packet today. XX/XX/XXXX. Owe $ XXXX ( no explanation or breakout provided- previously requested ) monthly mortgage payment went up roughly {$200.00} again no explanation provided. While in forebearance Cross Country reported delinquent to all XXXX credit bureaus. Asked it to be corrected as of today still showing in foreclosure and delinquent. 

XXXX. Dual tracking XXXX. Ok to report delinquent while in forebearance? 
XXXX. Never ( to my knowledge ) received or informed of the foreclosure process learned after the foreclosure attorney filed. No certified letter or call from Cross Country Mortgage.
Product: Credit card or prepaid card

Today, XX/XX/XXXX, I logged on today to pay my Capitol One credit card. They said they needed proof that it me logging and said they had to send me a code to one of the two numbers they have on file. Both of these were numbers i canceled at least 10 years ago. I am sure they have my current number already, as I have had this credit card since XXXX. I tried to add my new phone number and the system said it couldn't accept it as mine because it failed a verification. Then they told me to take of photo my my driver 's license and send it to them. I thought this was odd and declined. Then they asked me a bunch personal questions to verify my current phone number and this was successful. Then I requested the code to my current phone and I didn't receive it. I requested it again and again and didn't receive it. Then they said they would a send me a temporary password and I never got that either. After 45 minutes, I gave up and hung up to punch the wall and scream. When I called Capitol One again, they didn't accept the last four numbers of my credit card even though I was reading it directly from the card, they said it was not my card. I was transferred a total of 7 times to various departments. One person told me a customer service agent had typed my phone number into the system incorrectly and that it why was I was not receiving texts. He went through the verification process with me again and corrected the error, putting my correct number in the system. Another code was sent to my phone and I still didn't receive it. The technician asked me what phone carrier I had. I said XXXX   XXXX. He gasped and said XXXX  XXXX does not allow texts from Capitol One through to their customers. He said there should have been an option to have a code texted to me by email but there was not. He said he could not assist further. I am unable to pay my bill. Total time attempting to pay bill 2 hours 25 minutes. Yes I did verify if it really was the authentic Capitol One I was calling. My name is XXXX XXXX. last four of the VISA are XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$3000.00}
Product: Debt collection

I paid a debt to Capital One in 2009. Since then, I 've received letters from numerous creditors and Disputed the Validity of Debt, never received documents until a phone call XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX. He first called my wife and threatened her noting that she was on the loan, which is untrue. He continues to harass our family and there is no debt.
Product: Credit card or prepaid card

I had my XXXX prepaid card closed illegally closed without permission and there refuses to give me my money back
Product: Student loan

This account was removed from my credit report, but has recently been reported again as a new debt. Historically, there were payments made to three separate entities for this same account, but none of those payments are recorded in their system. I contact XXXX, XXXX, and XXXX in XX/XX/2018 to inquire, but they couldn't find me in the system. I was given the name of a law firm to discuss the matter with and upon speaking to them, they have now sent me a collection letter. These companies partake in predatory lending practices. I have requested contracts and other paperwork for my account, but they can't provide those items. These same companies were included in a federal lawsuit for the same reasons that I am experiencing and were ordered to dissolve all accounts. I would like that information.
Product: Mortgage

I have a XXXX lien showing up on the Title to my home that I need subordinated in order to qualify for a rate & term refinance. I am trying to pay off my 2nd mortgage which was taken out when I purchased the property, and fix my adjustable rate on my primary mortgage. Both of my current mortgages were taken out at the time of purchase, in XXXX of 2005. This XXXX lien from Sovereign bank needs to be subordinated, and it benefits them to subordinate it. I have made all payments on it in a timely manner, and by subordinating the lien Sovereign moves into a 2nd lien position, & the transaction will provide me with less monthly overhead, freeing up money to ensure that I continue making the payments for the Sovereign lien ... Sovereign refuses to subordinate this 3rd lien and will not provide an explanation as to why ... It is advantageous for them to do so, and makes sense for all parties. I need to do this refi, and in order to make it happen I need them to agree to subordinate ...
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute an account that appears on my credit report, which I believe is the result of identity theft. The account in question is listed with the following details : XXXX XXXX BALANCED {$600.00} XXXX XXXX  Bankruptcy XXXX Bankruptcy XXXX Reference # XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reference # XXXX I have no knowledge of this account, and I am certain that it does not belong to me. I believe it is the result of identity theft, and as such, I am requesting that the account be removed from my credit report. 
I have attached my FTC Identity Theft Affidavit, which outlines the fraudulent activity and details the accounts that were opened in my name without my consent.

I request the following : 1. Immediate Removal of the XXXX XXXX account and any other fraudulent accounts from my credit report. 
2. Removal of any other information reported from my FTC Identity Theft Affidavit ( including addresses, accounts, and other details ) that do not belong to me.

3. Confirmation of the removal of these accounts from my credit file, along with an updated copy of my credit report showing the corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like many others was a possible victim of the cyber attack on Equifax that has been recently reported on. However, instead of being able to tell me whether my identity has been compromised they vaguely stated that I may have been subject to the hack. They then gave me an enrollment date for a monitoring program at their affiliate. They want me to follow up on their mistake and sign up for a program that will only mitigate the risk of fraud for the first year at no cost. Essentially they are using this error to get more business for themselves.
Product: Credit card

Almost two ( 2 ) months I called Avant and obtained the payoff balance and paid the sum they told me in FULL. I ordered my account closed and have not used the card anymore. 
I just received an email saying my account is due payment XXXX of {$6.00} on XXXX XXXX. I called them and disputed that I owe them anything.
Product: Checking or savings account

I recently receive a letter from a third party collection agency that was given my information by Suntrust Bank. Suntrust closed the account XXXX XXXX. The balance owed is XXXX. I am completely unaware of any charges or transactions in the amount of XXXX. I called Suntrust Bank on XX/XX/XXXX and XX/XX/XXXX to rectify the problem. After speaking with several representatives and departments I was told that they could not see my transactions in their system, however they requested that I pay the balanced owed. As of today, I have not been able to resolve this matter with the bank because of the lack of information they have to provide. I would like answers pertaining to my account and the last few transactions that lead to an inaccurate balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

last XX/XX/2021 I've sent a letter about those accounts that were fraudulently used without my permission. and It results to have a low credit score which stresses me so much. I felt so embarrassed and In need of help to resolve this issue. I already contacted credit bureaus and furnisher it almost 30 days now but no response yet.
Product: Mortgage

I applied for a loan modification with Nationstar Mortgage Loan number XXXX. On XXXX XXXX we were approved for a 3 month trial modification, however the payments were only XXXX per month lower than the prior payments, but, I was informed that there was an escrow shortage and an additional payment of {$61.00} as a result my monthly payment was going to be {$6.00} less per month and would be extended by 1 year. XXXX XXXX my dedicated loan specialist told me I could request an appeal by mailing a letter and updated proof of income to Nation Star Customer Relations. It could take up to 30 days to receive an answer. I sent a letter with updated proof of income that was received by Nationstar on XXXX XXXX. Today XXXX/XXXX/2015 I called Nationstar and was told a letter was mailed yesterday. The customer service rep e-mailed me a copy of the letter that informed me that they made no errors and If there has been a change in circumstance due to reduced income, Nationstar may evaluate the account for assistance with an updated complete application ; however, another approval is not guaranteed. Should you wish to reapply for payment assistance using updated financial documents, you may provide the enclosed. Borrower Response Package within 15 days from the date of this letter using the information listed below. 
They are basically telling me the same thing I was told 2 months ago and are asking for the same documentation I sent to them back in XXXX. The letter also says I am 6 months behind on my payments which is not correct because I made XXXX payments of a 6 month repayment plan that were not properly applied to my mortgage balance which is causing more damage to my credit rating and I believe my mortgage principle is not being reduced by the correct amount.