23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested Citizens Bank remove the escrow account from my mortgage on XX/XX/XXXX. 
I paid to have them appraise my property to remove the PMI insurance in XX/XX/XXXX. XXXX established my XXXX to be 64 %. Value {$410000.00} and loan balance {$260000.00}. 

The requirement to remove XXXX or Escrow is 80 % XXXX. On XX/XX/XXXX Citizens Bank sent me a letter rejecting my requested to remove the Escrow account. I called and the outbound message indicated 1hour hold time to get to representative. I finally got in touch with a supervisor XXXX XXXX contact number XXXX. She told me the XXXX to remove the escrow uses an XXXX based on the original value and the current loan balance. She told me I needed to pay down the loan by {$11000.00} and they would remove it. So I scraped together all my savings and paid it over the phone with her processing the payment. She promised me she would get the requested processed and completed. That was on XX/XX/XXXX I have a confirmation letter from Citizen Bank. I have called XXXX no less then 30 times and she informs me nothing has been done. I Have done everything they asked of me. It has been 3months since this started. I have all the documentation to support the above summary. Please get them to release my escrow account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion severs letters asking for verification of the accounts. Trans union is updating accounts without properly investigation. I am not aware of any of the accounts reporting, therefore they need to all be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, EQUIFAX MORTGAGE SER add a hard inquiries on my credit reports per Equifax ( the report does not include information about the creditor ) and XXXX.

On XX/XX/XXXX, XXXX XXXX add a hard inquiriy on my credit report per Equifax ( the report does not include information about the creditor ). 
On XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per Equifax ( the report does not include information about the creditor ). 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

Myloancare.com took over as my mortgage servicer, and my automatic payment was turned off. I have had my mortgage for 10yrs and have never been late or missed a payment. So they have turned off my auto pay, then I have submitted payments online through their website, and the payments just never go through, I have done this at least 20x. You call the mortgage servicer and no one answers the phone. I have spent 15 hrs  trying to reach someone. This is clearly a scam creating fees for the mortgage servicer.
Product: Credit reporting

I have a credit inquiry on my credit report for XXXX dated XXXX XXXX, 2016. I was notified by XXXX XXXX about the inquiry so I immediately called XXXX on XXXX XXXX, 2016 and told them this was fraudulent. I checked my credit XXXX/XXXX/2016 and I have inquires on my report for both XXXX XXXX and XXXX XXXX, 2016. I was told they would do a review and remove from my credit report but instead I have another inquiry on there for the day ( XXXX XXXX ) that I reported it as fraudulent. Can you please help me to understand why this has not been corrected?
Product: Money transfer, virtual currency, or money service

I have opened a Business PayPal account with my company XXXX XXXX under US law after i do few sales PayPal closed my account and held almost {$2000.00} USD Without contact our XXXX our anything, they just closing account and say After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal.
Product: Checking or savings account

On XX/XX/XXXX we put a stop payment on all transactions from XXXX XXXX. We then have our stop payment request refunded back to us on XX/XX/XXXX to then allow a check from XXXX XXXX for {$340.00} to go through putting our account into the negative big time. We never even were notified they were taking the stop payment off and then letting the payment from XXXX XXXX to go through. Talk about being crooked big time. this is very unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act .The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 : Account name and number : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX Above Listed 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.

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 diverse item of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information in inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital One account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law for any purpose.
Product: Mortgage

I have been locked out / denied access to my loan information for over 3 months. I can get on the web-page but the " Menu '' Bar has been deactivated. I can not click on the Account to see how my payment was applied, verify Homeowners Insurance has been paid, verify if County Tax has been paid, nor can I access " Account Services ''. 
I have emailed the mortgage Company many times about this and no resolution has been reached. I have called and still no correction has been made to the web site. 
Thank you - XXXX XXXX Loan # XXXX Lakeview Loan Servicing
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 are the accounts that are reporting on my Credit Reports : XXXXBalance {$380.00} XXXX XXXX  XXXXBalance {$0.00} XXXX-Balance {$4600.00} XXXX XXXX XXXX-Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$3300.00} ( Original Creditor : ) -XXXX-Balance {$1500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$1800.00} XXXX XXXX XXXX-Balance {$9000.00}
Product: Debt collection

I requested validation and all original documentation stating that I have a signed contract between this company CKS PRIME INVESTMENT of the alleged debt this company stated. I allegedly owe the sum of {$810.00} and the 3 major credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2021. I haven't received any of supporting documentation from these XXXX company nor the credit bureaus. Supporting their claim over this alleged debt sent to me. XXXX  respondent vie e-mail with their company results stating that they ( XXXX ) was able to verify the alleged debt with this collection agency, but did not send me the supporting documentation on how they was able to verify this alleged debt. I received a statement from XXXX XXXX sent on XX/XX/2021 stating their company verify the debt without any supporting documentation being sent to me as requested in the letter I sent to their company no response from XXXX. Due to no receiving any documentation from none of these parties listed above. On XX/XX/2021. I sent XXXX  request sign affidavit to retrieve documentation from the 3 credit bureaus and XXXX request signed affidavit certified mail with a return receipt to CKS PRIME INVESTMENT asking for all of the documentation supporting the alleged debt these company stating I allegedly owe to them. I received a response from XXXX XXXX email on XX/XX/2021 of their company investigation stating that they still verified the alleged debt as being accurate with both collection companies without send me any documentation supporting their method of verification of this alleged debt nor supporting documentation that I requested. No response from CKS PRIME INVESTMENT, XXXX XXXX and XXXX.
Product: Debt collection

I.Q. Data International , Inc. is attempting to collect on debt that is not due. I paid all monies that were due years ago and had no issues since. Out of the blue I received a letter stating that this debt was due. Additionally, it had more than doubled what I originally paid off to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the account name, number and how much be allegedly charged off. 

CAPITAL ONE XXXX {$460.00} CAPITAL ONE reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' CAPITAL ONE is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by CAPITAL ONE to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX XXXX XXXX XXXX XXXX a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If CAPITAL ONE has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

CAPITAL ONE is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

THIS IS A SECOND NOTICE OF YOUR VIOLATION OF FEDERAL LAW DELETE ACCOUNT OR I WILL REPORT THIS FEDERAL VIOLATION TO ATTORNEY GENERAL OFFICE, XXXX, IRS AND MOVE FORWARD WITH LITIGATION
Product: Money transfer, virtual currency, or money service

I did an international wire on XX/XX/XXXX to my family and now XX/XX/XXXX they didnt receive it and I have not get returning to me. I called Bank of America so many time but they still have not solving the problem. Its very frustrating and disappointment.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN CREDIT BUREAU regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
ON XX/XX/year>, I STILL HAVE discrepancies in the following account ( s ) : Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN CREDIT BUREAU has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX  days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card or prepaid card

Despite repeatedly telling this company to stop, despite registering with the XXXX and opting out, this pathetic company continues to fill my mailbox with their unwanted junkmail advertisements for the credit cards.
Product: Checking or savings account

On XX/XX/XXXX XXXX a XXXX friend deposited {$700.00} to partially repay sa loan I made to him, That same day Capital one froze my account arguing that the fraud department flagged my account. I need the funds in my account to pay my rent and my expenses.. i will be evicted if I dont pay muy rent by XX/XX/XXXX, all because the computer of this bank flagged me. They have no evidence iof any fraud. I will be charged late fees, my phone service disconnected if I dont get access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MOVED FROM XXXX XXXX BACK TO XXXX I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX  HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX 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: Debt collection

I changed phone numbers and apparently someone else who previously had this number must have been a member of the XXXX ABC Financial finances.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX - {$0.00} Account Name : XXXX XXXX  Account Number:XXXX {$330.00} Account Name : XXXX Account Number : XXXX {$180.00} 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: Debt collection

I was contacted by NES and told I owe {$120000.00}. I agreed to settle the debt for {$22000.00}. This means they are forgiving {$120000.00}. I paid the agreed upon settlement. However, NES will not confirm my payment and that the debt is now settled. Nor will they send me a copy, as requested of my original promissory notes so that I can verify this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported to both XXXX  and Equifax that my payments were late ' twice by 30 days for XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
3. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX, I lost my Chime card at a grocery store and did not realize the card was missing until several hours later when I went to use the card at a convenience store. Two unauthorized charges were made using my card during the time I was unaware the card was not in my possession : XXXX XX/XX/XXXX XXXX {$120.00} and XXXX XXXX {$140.00}. When I discovered the card was missing, at approximately XXXX I transferred my entire balance to my wife 's account to prevent additional unauthorized transactions from occurring until I could get home for her to assist me with reporting the card lost/stolen. 
Once the transactions fully posted Chime " investigated '' the lost/stolen/unauthorized use claim and 10 days later advised the claim was denied due to " no error found ''. I immediately requested the supporting documentation used to assist Chime with their " investigation '', no documentation was ever provided. 
Furthermore, when I contacted Chime verbally XX/XX/XXXX the representative advised she could not assist with the reason for denial other than " no error was found '' as she was not the one who had completed the investigation. A rebuttal was opened during this conversation but since no additional information could be provided other than the card being lost/stolen I have low expectations that the claim will be properly investigated and decisioned for what it is, fraud. 
Dispute ID XXXX
Product: Debt collection

I had XXXX account with XXXX and it was closed and paid for. Then another account came out the blue for {$420.00} saying it is mind with a number i have never had. I have spoke with many managers, resolution specialist, supervisor, executives back in XXXX to get this resolved and after three months they 've agreed to remove this from my account. Well now this year of XXXX i still see this account in collections in my name. And they have no information to back this up that it was suppose to be removed back in XXXX. They have updating this information on my credit report which is illegal to do. I have been talk to rudely threaten and harassed about a bogus amount that is not owed.
Product: Debt collection

According to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Americollect Inc. via the CFPB case number XXXX on XX/XX/2022. ( attached ) In the process of the disputed amount of {$510.00} ( totaling 4 accounts. ) Americollect Inc flagged my credit files on XX/XX/2022 for {$450.00} ( 1 of the 4 accounts. ) Please be advised that prior to my initial complaint on XX/XX/2022 Americollect Inc ignored my certified validation notice and their accounts were not reporting to my credit files. 

on XX/XX/2022 and XX/XX/2022 Americollect Inc., violated my H.I.P.P.A rights with itemized statements from XXXX XXXX XXXX XXXX containing my private medical information. I have not received any medical services from Americollect Inc. I am not a party to their agreement with XXXX XXXX XXXX XXXX. 

The itemized statement supplied by Americollect Inc was delivered before it was requested. ( Proof provided in Americollect Incs letter dated XX/XX/2022 ) Due to the business relationship with Americollect Incs medical clients ( stated by XXXX XXXX XXXX Americollect Inc uses unverified processes to violate consumers such as myself. 

I have not received any statements ( an unmarked envelope with XXXX XXXX XXXX XXXX, WI XXXX ) as stated in XXXX XXXX reply via the CFPB portal. Instead Americollect Inc flagged their account on my credit files. Americollect Inc did not supply contact information from XXXX XXXX XXXX XXXX or state why a debt was owed directly to Americollect Inc instead of XXXX XXXX XXXX XXXX. 

Americollect Inc did not request the three major credit bureaus to update their records to reflect my dispute, instead my credit files were flagged in the process of the dispute. 

I was unaware of a medical balance with XXXX XXXX XXXX XXXX. As stated in my complaint. I have contacted XXXX XXXX XXXX in the medical billing department of XXXX XXXX XXXX XXXX. 

Please see the attached itemized medical statement provided by myself with payment receipts. Americollect Inc are not holders in Due course please cease and desist. 

I will keep the CFPB updated.
Product: Mortgage

This is the XXXX time I have tried to get U.S. Bank to clear up my credit report for my mortgage with them, I will attach my credit report from XX/XX/XXXX and XX/XX/XXXX, along with my last compliant, U.S. Bank was reporting on my credit report for 99 months, that is from the time I purchase my home XX/XX/XXXX to the present and with that it was showing that I was past due 13 times for 30 days and two times late 60 days but there was no dates for when the late payments happened. I have been trying to refinances my home since XXXX and was told by XXXX XXXX XXXX XXXX and XXXX XXXX Bank that they were reporting my home loan wrong and bringing down my credit rating. It has been more than 10 years since I have been late on my home loan. After make the compliant with you I received a letter from U.S. Bank that they had fixed the problem and are only reporting the last three years of payments on my house and it shows no late payments but it would take 30 days to show. I waited the 30 days and went back to the XXXX XXXX and they pulled my credit again and U. S. Bank does not show on my credit at all? My husband and the XXXX XXXX did a conference call with U.S. Bank to find out why it was no longer showing on the credit report and the person told them that I asked them to take it off? This sounds crazy if I ever have a bad loan that will affect my credit I can just ask them to take it off my credit report? I need my home loan to show on my credit reports so I can get my home refinanced. I fill like U.S. Bank is playing games with me and if rates go up before I can get this cleared up I fill they should be responsible. All I need US Bank to do is report my home loan correctly on my credit report, this should not be hard for them to do.