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

I know the CFPB was trying to help consumers & XXXX XXXX had her heart in  right place but when the law passed & gave banks 9 months to prepare the whole nation got screwed. I was able to pay my payments plus extra always on time. After it went into effect my intrest rates went up from XXXX % to a ridiculous XXXX % on all credit cards & store cards & automatically doubled my minimum monthly payments or more. I didn't buy items at XXXX % but now I have to pay that. It's apparent the credit card company banks were showing their displeasure by punishing every customer. It wasn't just me, I know rich people this happened too, across the board didn't care if you were on time or behind everyone will suffer. 
I kept up with the payments as long as I could until a accident took my job away & cant make those double payments & the crazy intrest rates that never went down which we thought would if we just kept making payments. Now we cant make above the minimum payments so principal balance really never gets touched. I'm filing to repair my credit through negotiations but they all have ruined my perfect credit with one stroke of a pen from DC. I don't want anymore of their help because the Banks just find away around it.Its XXXX, XXXX, XXXX, Citi Bank with Best Buy,  XXXX, Home Depot. 
Respectfully, XXXX XXXX in XXXX XXXX PS many of our family & friends suffered the same fate. from now on its cash only for all of us. Cant trust the banks we bailed out this is how they repay our generosity.
Product: Credit card or prepaid card

On XX/XX/XXXX major fraud started on my account. My information was compromised and a fraudster added bank accounts to my account, made fraudulent payments, spent the money at XXXX stores and returned the large payments. They spent over my credit limit. My total balance was {$6100.00} before the fraud messed up my account. I received a letter in XXXX from XXXX saying they removed the fraud and I would not be responsible. However, my current total says {$9200.00} and is still showing the fraudulent payments and interest from fraud. My minimums went up and I still do not have the original balance plus my continued payments showing. I was also promised a new card was coming multiple times, monthly during the last 9 months. I have continuously called, emailed XXXX XXXX and presidents office. I have not received a call back from the presidents office for help. I received a letter that said there was nothing to change. Which is incorrect. I should not be punished for fraudulent activity, a closed account without my knowledge, no working card for 9 months, and have to track them down for help continuously. This needs to be fixed as soon as possible. This is ruining my credit score and i should not be punished for fraud or a companys mistake closing my account without my consent. I want a new card as promised, the fraud removed from my old account, and credit for my continued payments of {$810.00}. It should not take 9 months to fix a fraud problem and get contacted back with help. I have been a loyal customer for years and this treatment has really left a bad taste in my mouth. The fraudulent payment activity is as follows : XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$5800.00}, XX/XX/XXXX {$9300.00}, XX/XX/XXXX {$8900.00}, XX/XX/XXXX {$9800.00}, and XX/XX/XXXX {$9300.00}. These were made with fraudulent bank accounts that were made, spent, and returned without my knowledge or consent. As soon as I realized what was happening I called XXXX XXXX and they told me they removed these bank accounts from my account and flagged them for fraud. I had also saved up over XXXX airplane miles on my account, which is why I chose XXXX and lost all of them because I was just told I needed to redeem them within 30 days of a closed account I didnt know about or agree too. Nor could I redeem them because my account was closed
Product: Credit reporting or other personal consumer reports

I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payment you have reported to the XXXX credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, since I opened the account on XX/XX/XXXX I had auto pay for all payments to be processed in a timely manner. XXXX is showing my credit report as late payment. However, XXXX XXXX is reporting that I have paid all payments on time. Since XXXX, Equifax and XXXX credit bureaus is stating on one of the screenshots I provided below as a past due payment I would like to see proof of accurate results on behalf on both sides of credit bureaus that show same results. unfortunately, it is impacting my credit score. XXXX account # XXXX date opened XX/XX/XXXX and is marked as late payment for XXXX of XXXX. 

According to 15 U.S. Code 1666b - Timing of 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. I would appreciate if you send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of both statements of XXXX XXXX XXXX, Equifax XXXX. As well as any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. 

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

See attached FTC Report and identification. Delete all accounts and addresses that do not belong to me.
Product: Credit card or prepaid card

In a letter dated XX/XX/20, I reported to Capital One that XXXX XXXX based in XXXX, XXXX failed to deliver part of services I contracted with them on XX/XX/20 with payment of {$2500.00} using my Capital One VISA credit card. The contracted tour started XX/XX/20 and should have ended XX/XX/20. However, XXXX XXXX unilaterally canceled tour starting Day 11. In my letter of XX/XX/20, I asked Capital One for a refund of {$1500.00} providing them information that backed up my request. Capital One agreed and posted adjustment on XX/XX/20. However, Capital One re-billed me {$1500.00} with their letter dated XX/XX/20 stating that XXXX XXXX provided Capital One information to support the transaction. I expressed disagreement with this conclusion in a fax dated XX/XX/20 which I repeated in a call I initiated on XX/XX/20. One invoice XXXX XXXX  provided Capital One was for a XXXX XXXX Tour between XX/XX/20 and XX/XX/20, which clearly did not occur because I took a XXXX XXXX flight out of XXXX XX/XX/20 using the same Capital One credit card. For all the other activities on dates I disputed, XXXX XXXX did not submit any invoice. Yet, Capital One maintains that I was not able to meet the technicalities of proof that VISA requires of them. Clearly, I can not provide proof for negative events.
Product: Debt collection

XX/XX/2020 I paid XXXX dollars I owed to credit management collection company. That payment was initially supposed to go to XXXX  XXXX  XXXX. I paid by money order and mailed it to credit management. I called XXXX  the day I mailed it to let them know. I told them my info, they gathered it and said fine. I called credit management about a week after I mailed the money order to see if they received it and they told me no they haven't. Waited another week called them and they told they do not have my case anymore, spectrum took it back. So I asked you did received payment they told me, we sent everything to XXXX. So I asked is my balance paid with you guys and they said it's not paid but you need to call spectrum because they have your case now. I called XXXX  and now they are saying they don't have any history of me being a customer which I was. And just 2 weeks XXXX  agent and I gathered my information on the phone in there system and now they tell me they don't know who I am.  Neither one of them know what's going on now that I paid them. So I called credit management back and complained about how they had my case and spoke to them before I sent payment and all of a sudden you don't have my case anymore. The agent from credit management kept saying at least it's off your credit report. So I was happy it was off my credit report and had hoped XXXX  got paid and removed me from there system. Now 2 months later on XX/XX/2020 another credit collection agency by the name of XXXX sent a collection notice for the same balance. I really believe all 3 companies are in this together. And I believe XXXX is the same as credit management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts. 


XXXX ) XXXX  XXXX XXXX- opened- XX/XX/XXXX ( 6 yrs, 4 mos ) amount {$0.00} 2 ) XXXX XXXX- opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount {$280.00} 3 ) XXXX XXXX -opened- XX/XX/XXXX ( 7 mos ) amount {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 late for and purpose.
Product: Mortgage

Just received a Notice of Default and Intent to Foreclose demanding a lump sum of money. The mortgage was transferred to them XX/XX/XXXX and they showed me 30 days late every month since and will not correct the credit report so we can't sell or refinance. I have lost several offers on the house and just found out we can refinance for 2.99 % and lower our payments but for this despicable company that is trying to steal our home and/or XXXX  us with all the harassment. We receive letters and threats every few days and always on Friday to wreck your weekend and always on holidays. My husband is a XXXX year old veteran with several medical conditions including XXXX ; and this company gave me an XXXX  and is interfering with me making a living and my jobs. I almost XXXX XXXX  every time I see a letter from them and/or do XXXX  XXXX  which is very painful for me since I have had XXXX XXXX. I can't believe you can't put them out of business and demand payment in full of our mortgages. I just mailed the XXXX payment on XX/XX/XXXX usps priority and they did not post it til XX/XX/XXXX so they could charge a late fee. How are you allowing them to remain in business. 
It also appears that this was triggered by your onboarding software, which I dispute as being legitimate and legal, and am requesting any and all information and details regarding the programming and software and what company or companies created it, are involved with it in any way, and whether they are a foreign company and have any affiliations with a foreign government. Specific details, names, addresses, dates, etc. 

I am attaching several exhibits.
Product: Credit reporting or other personal consumer reports

I made a complaint against Transunion in regards to reporting inaccurate information. The companies has committed numerous violations and did not do the right thing and update information accurately.

1. ) The Privacy Act of 1974 was put in place to protect consumers. I never provided written or verbal consent for Transunion to release transactions or personal information. However, the company has furnished personal information that I do not consent to being released. There is no reason my phone number, DOB, employment, and different names are furnished without my written consent or approval. 
2. ) The company claims to have investigated complaints, but has failed to provided procedure or written documentation of said investigation. If a consumer is stating inaccurate information it is apparent TransUnion is not doing their due diligence and looking into the matter. For example I provided proof that a debt was sold by a creditor, which means that is income and should not be furnished on my report as per the IRS. However, rather than remove this information, the company updates it. 
I am unsure if TransUnion is above the law and is able to report inaccurate information, but I would like this matter to be further investigated
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX XXXX ( " XXXX '' ) and Experian Information Solutions , Inc. ( " Experian '' ) for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCCPA ) pertaining to the inaccurate reporting of four XXXX accounts on my Experian credit report. These inaccuracies have caused significant harm to my creditworthiness, financial stability, and emotional well-being.

Upon reviewing my Experian credit report dated [ Insert Date ], I identified the following violations across four XXXX accounts : XXXX Account 1 FCRA Violations : Section 607 ( b ) : Inaccurate reporting of the Date of First Delinquency and balance details.

Section 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation after disputes were submitted.

Section 605 ( a ) : Retention and reporting of obsolete charge-off information beyond permissible timeframes.

Section 611 ( d ) : Failure to include a dispute notation in subsequent credit reports.

FDCCPA Violations : Section 807 ( 2 ) : Misrepresentation of the character, amount, or legal status of the debt.

Section 808 : Unfair practices by reporting misleading charge-off details. 

XXXX Account 2 FCRA Violations : Section 607 ( b ) : Reporting inaccurate payment history and delinquency timelines.

Section 611 ( a ) ( 5 ) ( B ) : Reinsertion of deleted information without proper certification.

Section 611 ( d ) : Failure to indicate the disputed status of the account.

Section 605 ( a ) : Reporting unverifiable or outdated data.

FDCCPA Violations : Section 807 ( 5 ) : Misrepresentation of the delinquency status.

Section 807 ( 8 ) : Communicating false credit information to third parties. 

XXXX Account 3 FCRA Violations : Section 607 ( b ) : Failing to maintain accuracy in reported charge-offs and payment history.

Section 611 ( a ) ( 1 ) : Ignoring or inadequately investigating disputes.

Section 611 ( a ) ( 5 ) ( B ) : Reinserting deleted information without verifying its accuracy.

FDCCPA Violations : Section 807 ( 2 ) : Misrepresentation of the legal status of the debt.

Section 808 : Employing unconscionable practices, such as retaining incorrect balances. 

XXXX Account 4 FCRA Violations : Section 607 ( b ) : Reporting inaccurate details related to charge-offs, payments, or balances.

Section 605 ( a ) : Failing to remove outdated or obsolete information.

Section 611 ( d ) : Omitting the dispute status after being notified.

Section 611 ( a ) ( 1 ) : Failing to perform a reasonable investigation.

FDCCPA Violations : Section 807 ( 10 ) : Using deceptive practices to collect alleged debt.

Section 808 : Reporting false information to exert pressure.
Product: Mortgage

On XXXX Seller could no longer pay the mortgage on our previous house which was his home.. The owner 's wife had another XXXX and they had a loss of income and XXXX XXXX XXXX triple the payment on the mortgage. So the seller 's started a short sale process. They received and offer of XXXX and the balance was XXXX and a HELOC of XXXX. So with a loss of income. After many months of XXXX requesting documents repeatedly they received an approval for XXXX. After the home inspection was done the property was found to have around XXXX of section termite and repair work to be done. The first buyers walked. 

So it was put it back on the market. and received another cash offer. Again the amount of work caused these buyer to withdraw their offer. 

So this time we received another cash offer for XXXX on XXXX/XXXX/XXXX and the loan was sold to Shellpoint Mortgage Servicing and again they are stalling with this offer and Single Point of Contact is not returning calls with in the 24-48 hour guidelines and XXXX XXXX his supervisor has not returned the call. 

So the short sale is at an empass where comps of sold and active along with the new settlement statement to was provide Shellpoint XXXX instead of XXXX since the buyer is doing all the section 1 termite work.rather than a credit for the work. 

The house was brokern into last week which Shellpoint was informed and a requestto please approve the short sale. They are again stalling..
Product: Mortgage

I have XXXX issues with Ocwen Loan Servicing , LLC that I am in need of assistance. 

Ocwen purchased my mortgage from XXXX XXXX XX/XX/XXXX. On my XX/XX/XXXX tax statement from XXXX XXXX they have clearly waved any fees that I had acquired during the 18 years they had my loan. However, Ocwen is claiming that I owe them for these fees, amount of {$860.00}. They also have charged me an additional {$1000.00} in fees in less than a year. As of the XX/XX/XXXX statement Ocwen is charging me a total of {$1800.00} in fees. 

I have sent three letters to Ocwen questioning these fees, with no response. I have phoned their customer service department 4 to 5 times and received no assistance, or they suggest I send a letter to the same address that all my letters have been sent. 

Ocwen has been sued by nearly every state they do business, including Illinois for their unethical business practices, including exurbanite or unlawful fees. I have been late on some payments and expect some late fees, but over a thousand in a matter of months, seem very wrong. 

My second issue with Ocwen is XX/XX/XXXX I had some financial difficulty and had fallen behind on my payments. XX/XX/XXXX I applied to Ocwen for a loan modification. This modification was denied. No reason was given. 

I called the customer service department and was told to email a request for explanation as to why my modification was denied. Two emails were sent and as with all other communications with Ocwen, this request went unanswered. 

I have since gotten back up to date on my loan payments and have not been late for any payments XX/XX/XXXX. In XX/XX/XXXX a received a letter from Ocwen dated XX/XX/XXXX stating that I could appeal my modification denial, but have 30 days in which to do so. How could I appeal in 30 days when the letter was sent to me 45 days after the date on the letter?
Product: Money transfer, virtual currency, or money service

I recieved my tax refund of {$16000.00}, on a cashiers check from the XXXX  XXXX XXXX XXXX on the date of XX/XX/2023. At the time i had lost my ID and did not have my own bank account so a close friend of mine offered to cash it with her bank since she has done it before so we went down to Chase Bank to their branch in XXXX CA with the whole check check stub still attached sothe bank teller instructed us to do a third party endorsement ias the owner of the check shoukd write on the back " Pay to the order of " and insert my friends name right after then put my signature right under that and that that would make it a proper third party endorsememt then for my friend to sign it and deposit it into her account so shedid and then we handed it to the teller thenranthecheck immediztely they placed a 30 day hold on it saying the funds would be released after 30 days. We called XXXX  holds department to see what we could do about lifting the hold because i wanted my money before the they told us they needed to verify the check by XX/XX/2023 they did verify the check with XXXX XXXX  XXXX XXXX XXXX ( the issuers of the check ) So theyverified the check and recieved the money but come 30 days laterthey wont release the funds not only that they completely closed my friends account and for them to be released they wanted a number that is tied to my name the cell phone number i had wasametro pcs number on a family plan under my fathers name so i went down to XXXX GOT a brand new phone plan under my name then called XXXX gave them that number and Chase bank wouldn't accept it because in whatever database they run the number through it doesnt come back to the same name thats on the check which is my name i called the phone company they assured me its in my name so then i went with. A XXXX and got a phone withthat company since XXXX would be tied to my credit then it should be under my name i did that and Chase Bank still wont accept it ive even gotten an obama phone withthegovernment and not a single one of the numbers will work me along with my friend whos the owner if the XXXX account and XXXX the owner of the check have called somanytimes i haveeven gone down to the chase bank with XXXX of ID including my state ID and they will not release the funds that they dont do in person verifications anymore that they will onky verify it through the phone ive begged the issuers of the check to recall it but they say they cant do anything because they already funded it to the bank and it would have to be resolved with Chase XXXX dont knowwwhat else to do i XXXX XXXX to get a phone number that chase bank XXXX XXXX every dber ive tried they wont accept it theyre just keeping mY money
Product: Credit reporting, credit repair services, or other personal consumer reports

I CREATED AN FTC REPORT IN XX/XX/2020, BECAUSE A FRADUULENT ACCOUNT WAS PLACED ON MY CREDIT FROM XXXX. XXXX  WHICH IS ORIGINALLY FURNISHED BY XXXX XXXX. THEY ARE CLAIMING THIS ACCOUNT WAS MINE, SO I REMOVED THE ACCOUNT OFF OF MY REPORT USING THE FTC LAW 605B. THEN THEY RE-INSERTED THE ACCOUNT ILLEGALLY BACK ON MY CREDIT XX/XX/XXXX. WHAT THEY ARE DOING IS ILLEGAL AND IF NOT RESOLVED I WILL BE PRESSING CHARGES.