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

XXXX XXXX continues to harass me and damage my credit by going back and forth. I notified Synchrony that the XXXX XXXX that was opened in my name was fraudulent. At the time of reporting it, I lost my wallet. I was not able to recover my wallet, and as soon as i saw the account reporting on my credit i immediately notified the company and provided the company with an FTC Affidavit, I additionally notified the law enforcement agency in my area that my wallet was stolen, and that someone used my Identity to open this account. When calling XXXX back after being sent 3 different letters i was told that they verified the account was fraudulent and that i would not be liable for this account. Additionally i was sent a letter in the mail the first time stating the account was fraudulent they verified that i did not benefit from the account. As stated to XXXX when my Wallet was stolen, my Identity was used to open the account. I did NOT benefit from this account, The bank account that they " stated made payments to the account '' is an account that i additionally reported as fraud as well, And that account has been closed and removed from my record. My Email addresses were hacked as well and my USPS mail was forwarded. I had to find all of this out and i have just now begun correcting and restoring my identity. After this letter, XXXX followed up with a second letter confirming they contacted all 3 credit bureaus to have the account removed from my credit reports. Lastly i just now received a third letter today and in this letter it states they were unable to accept my claim as they said i benefited from this card, and that payments are 1 year old? You can't accept someones claim, and then later after sending two letters confirming the fraud send a third letter stating its not fraud. You verified this account as fraud. I DID NOT Benefit from this account. I never received a card, my identity was stolen. This account has been removed from all 3 credit bureaus as fraud, and i do not understand why you are attempting to falsely send me documents clearly revoking everything you said in the first two letters. To me that seems like False legal documentation. This account is fraudulent, when the person stole my wallet they also forwarded my mail, they also opened bank accounts. Created email addresses and hacked my email address. I want this corrected now and to know what the real truth is? You have my law enforcement documents. Please stop being wishy washy. You already confirmed the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off in XXXX of XXXX and they are still reported it as XXXX written off. This was settled in full and there is no balance and nothing written off. Should reflect as PAID with nothing written off Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. {$210.00} written off. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX No phone number available Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request.
Product: Credit card or prepaid card

Right before closing my account and paying it off in FULL with a XXXX balance, Capital One, inaccurately and inappropriately reported my XX/XX/2019 payment as late. This is false and has resulted in my credit score dropping several points. 



During the six plus years as a Capital One member, my payment due date has always been the XXXX. 



As proof, Ive attached a copy of my bank statement-which clearly shows that I paid off my XX/XX/XXXXbalance in FULL on XX/XX/XXXX Yet this payment was reported late to the credit bureaus. 



This was not the case A payment must be at least 30 days ( or more ) late, to be reported to the credit agencies. XX/XX/XXXX payment was paid IN FULL prior to XX/XX/XXXX. 



My multiple pleas to Capital One have fallen on deaf ears. The frustrating task of contacting customer service and attempting to reach an individual is a fools errand. When faced with the challenge of resolving this erroneous mistake, you can literally feel their reps resort to a script and theres ZERO accountability. Its like a shell company being mechanically run, with no real overhead management to resolve issues. 


I humbly ask that you modify and remedy this error, as Ive been diligently working towards building my credit. 



Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for the loan XX/XX/2019 my bank held the check to clear which took 15 days but the first payment was due XX/XX/XXXX my second payment was due XX/XX/XXXX and began to have money problem I asked for a extension I was going to double up but they refuse so today they repos my car it has been a month and they transferred the title taking my name off. 
Happy birthday to me today First American title lending of Georgia XXXX XXXX repo my car because I missed a {$120.00} payment from a {$1000.00} loan yes I missed but they have no mercy it was 17 late stay away do not give up your title WARNING STAY AWAY
Product: Credit reporting or other personal consumer reports

its with colorado XXXX XXXX  also in arizona they sent me a letter stateing i owed money for a loan but thing is iv never had a school loan in my life..yes iv lost my id b4 my social number card yes iv lost b4 im actually waiting for my new card to come in the mail now as we speak for a long time somone has had my credit becuase when i was XXXX my mom almost didnt get food stamps because at XXXX they were saying i worked at a XXXX XXXX way out in another part of colorado that iv never even been in iv never been as far as XXXX  and XXXX  this place was a few hours away and back then they had told my mom we had to get to there police station to make a report in order to fix it all but at the time we couldnt make it that far out there so my mom kind of let it go i guess. but now i get emails from XXXX XXXX stating i done just made a bitcoin purchues and thank you heres my reciept when i never paid anything with pay pal i cant even get a XXXX because they wont idenfiy me because of all the XXXX XXXX it says that i have when i dont phone wise iv only had XXXX  it says that i owe XXXX XXXX and XXXX when iv never even had either of them it says i have a eviction iv never lived alone yet in my name i stay with my boyfriend right now im looking for a apartment but im getting denied its saying i have a eviction or owe a apartment when i dont it says i owe progressive insurance IV NEVER EVEN HAD A CAR B4 i dont even had a driver record so how XXXX XXXXXXXX do i owe insurance???? i just [ please want this all fixed because right now i cant do anything without getting denied from everything i need to move out asap they are tearing are building down and i have no place to go and cant even apply for a apartment because im getting denied XXXX XXXX XXXXXXXX
Product: Checking or savings account

Subject : Request for Assistance Regarding Closure of My Business Account with Mercury Dear I am reaching out to request assistance regarding an issue involving my business account with Mercury. 

On XX/XX/year>, I received a wire transfer on my business account from XXXX XXXX. Shortly after, I transferred the funds from my business account to my personal account. The personal account details are as follows : Account Number : XXXX XXXX XXXX Routing Number : XXXX My business , XXXX XXXX XXXX, is 100 % owned by me. The details of the Mercury business account are as follows : Account Number : XXXX Routing Number : XXXX Business Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX A few days after making the transfer, Mercury unexpectedly closed my business account, placed all transactions on hold, and revoked my access to the account. I attempted to contact them via email to inquire about recovering my funds. However, they only refunded {$10.00} USD, which was the remaining balance on the business account, and provided no information about the {$3000.00} USD that I had transferred to my personal account.

Additionally, Mercury has blocked my access to their support channels on XXXX ( formerly XXXX ), further limiting my ability to seek resolution. Despite repeated attempts to communicate via email, phone calls, and social media, I have received no response regarding the missing funds. 

This lack of communication has caused me significant frustration and wasted valuable time. As a result, I am formally requesting compensation for the time and resources I have spent attempting to resolve this matter without a response. 

If I do not receive a resolution and recovery of my funds promptly, I will have no choice but to pursue legal action to ensure my rights are protected and my funds are recovered. 

Thank you for your time and immediate attention to this matter. Should you need any additional information or supporting documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Prepaid card

Hi, on XXXX XXXX 2016 I purchased a XXXX XXXX pre-paid card at XXXX. I opened the package to find the card was clearly tampered with and when I checked my balance instead of {$500.00} there was XXXX and a transaction by someone else for the rest. I followed XXXX procedures and submitted a receipt, my drivers license, and pictures of the gift card. They promised to get back to me in 4-6 weeks. Its been four months and every time I call they say " its processing ''. They have my {$500.00} hostage and I really hope you can help! 

Thanks, XXXX XXXX
Product: Mortgage

I have applied for a home loan through Embrace Home Loans in XXXX 2015. I was pre-approved and went through the process of finding a house. After finding a home and having the owner file for bankruptcy in XXXX, I was on the search again. I found a home for sale by owner. So I spoke with my loan officer, XXXX XXXX, and told him that the owner was fine with me moving in with a deposit and she can wait till XXXX to sell the property to me so I could get a XXXX % financing loan. I sent him an email XXXX XXXX, trying to get him to start the loan so we could hopefully close by XX/XX/XXXX, like the owner of the home wanted. I recently found out he did not start on the loan until XX/XX/XXXX. 
Every few days I send him an email or text asking how things are. He has told me several times that everything would be closed on time. Until it got to XX/XX/XXXX, then he promised it would be finished by XX/XX/XXXX. Now here we are, XX/XX/XXXX, with still no set closing date. 
I made an agreement with the owner of the property that I would have to pay {$40.00} per day that the loan goes past the closing date in XX/XX/XXXX. This Chip knew, but still he does not seem to know what he is doing even though he is the branch manager. I could understand this taking one month or even two. But we are into month 4. To me this is ridiculous and I have no idea what else I can do to get him to move things along. 
I am a single mother with XXXX children. I am very lucky that I can even afford a home like this but this is causing unneeded XXXX to not only me, but my XXXX-year-old daughter who is worried that we will not have a home if this is n't finished quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was removed from other credit reporting agencies but equifax is still reporting it on my credit.
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank You in Advance for your Cooperation.
Product: Credit reporting or other personal consumer reports

Ive told this company numerous of times they received the application fee. Ive contacted my bank as well and they confirmed the payment was received to this consumer. This is not my debt. I dont owe them a XXXX Theyre are tarnishing my credit when payment was received. Ive even emailed my proof to the company that the payment was received
Product: Debt collection

XXXX XXXX XXXX reported {$190000.00} with a remark stating loan modifiedon XX/XX/XXXX. This account in question supposed to be a mortgage which I dont have. The property thats been referred to was taken back in XXXX by Bank of America ( principal balance was XXXX ) that was the last time I heard anything about the property. Until XXXX XXXX service appeared on my credit report this month. The company stated to me that the loan was transferred to them by a company named XXXX ( I do not know the company ) in XXXX and I modified the loan in XX/XX/XXXX. I do not live in the property nor do I own the property since XXXX. To my understanding XXXX XXXX XXXX has received and holding insurance proceeds on my behalf which I did not give them any consent to do so. I have requested for the alleged application that I sign to request loan modification which the company is unable to provide.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, deposited onus check from my mother in law to purchase a travel trailer. XXXX made available, XXXX withheld. Talked with chat, asked to release hold as mother in law banks with USAA, can verify issuance and USAA can verify availability. Agent refused, said hold is to protect USAA from itself. 
XX/XX/XXXX, transferred XXXX from my savings to checking to cover cost of travel trailer $ XXXX. 
XX/XX/XXXX, called XXXX AZ time, spoke with female, asked options to transfer funds to another member. She informed me they could do real-time transfer, no restrictions, put me on hold to confirm no limit cap. Advised ok to proceed. To avoid a scam, we didn't want to do the transfer until we were in person, so we opted to call back. 
XX/XX/XXXX, called XXXX AZ time, spoke with female who couldn't do transfer as she doesn't have resources. She cold transferred me to the executive resolution team. the gentleman seemed caught off guard, asked some questions as to why I deposited a large check. I told him we were purchasing a travel trailer, told to call back to do XXXX transfer. gentleman said he cant do it - I asked to escalate, he offered callback, I demanded a supervisor, he declined. I was told a suspicious deposit needs 5 days to clear. I said suspicious deposit, you released XXXX, I moved XXXX AND I was told there would be no issues doing over the XXXX limit, getting an exception. I also cited the website that said for over XXXX, call. The gentleman refused to transfer my money. Finally I transferred XXXX, my husband called on another line and they approved a XXXX transfer. 
In summary, there are inconsistent expectations and policies being cite. Consumers are being asked to jump through hoops and no exceptions can be made. I offered to have my mother in law verify the activity, confirm funds, speak with this as she was at my house. I reiterated there is no hold on the XXXX and I have an available balance of XXXX, so I'm confused why a transaction from one USAA member to another can not be done. Apparently it can if you make multiple calls. I work for a major bank, handing escalated complaints, involving CFPB. The course of actions taken, promises made, and the ultimately resolution should all be reviewed. My husband and I did everything we could to make a safe and sound purchase. I was advised that the check I deposited the night before could not be viewed, that all checks are treated the same. Seems like a system limitation as remote deposit should be able to make images available within 1 day and that onus checks should not receive a hold - at the very least, if a hold is required, a verification of funds and/issuance could have occurred. It concerns me that when I needed my bank the most, they set false expectations, made me as the consumer jump through hoops and even encouraged floating money between accounts to get around their XXXX cap on the transfer. Also, when attempting to escalate, I was told I couldn't and no one was available. USAA reps put me in a vulnerable situation where I was trying to be proactive to avoid being scammed and to clear the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Case number : XXXXAs previously stated every thing remains the same about the non-response from Ocwen to the actual complaint and who has again not addressed the issues and RESPA at all and claims they can send a so-called Transferee Notice saying anything they want in total disregard of the Transeror Notice. 
IF the CFPB rules the OCWEN Notice of XXXX 2014 is lawful, then CFPB must rule that the XXXX XXXX Notice of XXXX 2014 is also lawful and supercedes the Ocwen Notice and payments will be made to Homeward Residential in XXXX. 
I have presented what the CFPB claims RESPA says and what RESPA itself says and OCWEN IS NOT IN COMPLIANCE. Ocwen again has not made specific reference where we are alleged to have claimed untimeliness and they made false reference to it again. 
The CFPB must decide if XXXX XXXX XXXX Transferred Servicing to Homeward/Ocwen XXXX XXXX as the Transferor Notice claims or Ocwen as Ocwen 's XXXX unfounded and unmatching Notice claims. 
Their attorney and Ocwen claim that Homeward/Ocwen in XXXX and Ocwen Loan Servicing LLC in XXXX are the same identical company so now CFPB must rule on this matter and take the appropriate action while also remembering the XXXX XXXX Notice of XXXX 2014 which supercedes Ocwen 's Notice. We await a CFPB ruling stating both companies with different names and different locations are the same identical company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX US BANKRUPTCY COURT Account Number : XXXX Account Name : XXXX  XXXX US BANKRUPTCY COURT Account Number : XXXX
Product: Credit reporting

I have recieved over XXXX hit on my credit trying to find financing for a vehicle, it has all happened within the last two months. Everywhere i go im at a high risk level and i cant get financing for a vehicle. If you look on my report it clearly shows how many times my credit has been abused in this auto loan process, i want to dispute all of the hits on my credit report to you guys. Its a perfect example of how horrible auto dealerships ruin peoples credit
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I was surprised to find that the following company ( s ) is/are reporting charge off ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am demanding the removal of the mentioned charge-off ( s ) as I firmly believe that my consumer rights have been violated, as per the consumer law ( s ) listed below.

15 U.S.C. 1681a - Definitions ; rules of construction Section ( 2 ) Exclusions.

Subsections ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

According to the law, a late payment is considered a transaction and should not have been added to my consumer report.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; As a consumer, I am aware that I can charge {$1000.00} for damages if this item is not removed promptly, as it is causing me significant harm. Please refrain from stating that the item has been verified. Either the law is applicable or not. Kindly send an updated copy once the disputed item has been removed.
Product: Debt collection

The debt collector I C Systems, is still reporting things to an closed account. This account is still open since 2020 and reporting which is invalid. I Reached out to this debt collector for validation, I got no response.