23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, XXXX, Ditech Financial LLC had their lawyers draw up a contract to fully reinstate my overdue mortgage. I executed their contract by paying the {$90000.00} delinquency requested. On XXXX XXXX, XXXX I received a statement that stated I owed an additional {$66000.00} listed as corporate advances. I have sent them two letters explaining to them that the executed agreement did not include the {$66000.00}. If you look at the detail of that amount on page XXXX of the agreement dated XXXX XXXX, XXXX you will notice the corporate advance amount was {$3900.00} which was included with what I paid. Then after I made this payment the {$66000.00} appears on my statement which was not a part of this executed agreement. Now Ditech sends me an apology for the confusion and adds another page to the agreement dated XXXX/XXXX/XXXX which includes an additional {$63000.00} for corporate advances. This to me is some type of fraud to make an agreement and after it is executed to change the original agreement. My contention is that I do not owe Ditech Financial LLC {$66000.00} for corporate advances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
( Original Creditor : ) XXXX Balance : {$24.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I do not have a contract with Ability Recovery Services. I am not liable for the collection of this debt from XXXX College. I am not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Product: Credit card

Since Synchrony Bank took over PayPal Credit I have been having a problem with the amount of money they claim I have to pay every month in order to avoid interest on my next statement. 
This is because they refuse to apply my payments to my standard purchases first, but instead apply my payments to my deferred interest promotional purchases first. The only way to have them apply payments to the standard purchases first is to call them EVERY MONTH after I have sent the payment. There is no way to set my account to do this nor is there a way to accomplish this online. I must call customer service and speak with someone after a lengthy wait. 
For example, last month I paid the entire amount I needed to pay plus some to avoid interest charges. 
During this current statement billing cycle I only purchased XXXX $ in standard purchases. My total new purchases on my account amounted to XXXX XXXX This is because XXXX of my purchases are deferred interest if paid within 6 months of purchase. I currently have no deferred interest balances due by XX/XX/XXXX. 
And while I was not charged interest last month because I sent a huge payment covering all they asked for ( XXXX $ ), if I don't send {$420.00} this month I will be billed interest. Even though I only have {$170.00} in new standard purchases and no deferred interest purchase balances are due in XXXX. In essence, I should only have to send {$170.00} in XXXX to cover entirely my standard purchases to avoid interest charges. 
When I called, they explained to me they do not put my payments toward my standard purchases first. They put my payments completely toward the deferred interest balances. Creating a situation where I always have large amounts of standard purchases due every month. Even though I thought I was monitoring my expenditures for the month to create a manageable payment and avoid interest. 
I did not realize that Synchrony Bank is not honoring the system that PayPal used when determining amount needed to avoid interest. PayPal always put the payments toward interest bearing purchases FIRST then toward the deferred interest purchases. 
Further I was under the understanding that during the Obama administration this practice was banned. It is unethical and I am having other problems with the credit cards I have now owned by Synchrony Bank. Unlike the years and years with no issues having these cards before Synchrony Bank.
Product: Credit card or prepaid card

Im making payments to XXXX XXXX they are giving me credit for payment capital one garshment of wage and almost paid off will not give me credit for payment they are both charging off account so capital one should be required to give me credit because they are get paid
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not authorize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and in light of the recent ruling in 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, I am requesting detailed validation of this debt. 

The XXXX XXXX XXXX XXXX XXXX XXXX case established important standards for debt collection practices, particularly emphasizing the need for clear and accurate documentation of the debt, including the original contract and any assignment agreements. Given this ruling, I request that you provide the following : Proof of the Assignment Contract : Provide a complete copy of the assignment contract or any other legal documentation that shows your right to collect this debt. The court 's decision in XXXX highlights the necessity for debt collectors to have a valid and legally binding assignment.

Verification of the Debt : Please provide a detailed accounting of the debt, including the original creditors name, the original amount, a breakdown of any interest and fees added, and the date of the last payment.

Documentation of My Liability : I request copies of any agreements, contracts, or applications bearing my signature that pertain to this debt.

In accordance with the FDCPA and the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, please cease all collection activities until this debt has been properly validated. I expect a written response within 30 days, as per the legal requirements. 

If you can not validate this debt, I request that you stop all collection efforts and remove any negative information you may have reported to the credit bureaus. Please communicate with me only in writing.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

1. Refuses to properly resend and provide proper information to DIFS for refusal to cancel loan for unreceived goods and services. 
2, continues to report to credit beura for late payments for goods and services we did not receive. We continue to be denied for another auto loan causing sever financial distress. 
3. Locked out of account information and they refuse to give balance over the phone. 
4. Continuing to commit fraud. 
5. Continuing to take payments for goods and services not received and we have been threatened if we do not pay. 
6. XXXX, XXXX, and XXXX 3 credit reporting agencies are assisting them in destroying our finances by allowing them to continue to report and allowing the negative posts to stay on report for goods and Servies not received. 
7. Mailing my personal information to different addresses. 
8. mailing they mailed information pertaining to our claims with DIFS the never sent us a single file. the difs did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is unacceptable that my credit report continues to show accounts that are not mine, dragging down my credit score and credibility.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative XXXX XXXX Balance Owed {$0.00} XXXXXXXX XXXXXXXX Balance Owed $
Product: Debt collection

Jp morgan chase hired debt collector to file a law suit against me regarding my credit card debt. The debt Collector got a judgement against me to collect property, wages, bank accounts etc. i became aware of this because my bank funds were gone today XXXX/XXXX/16 The attorney general in XXXX states and XXXX filed a case against chase for these unfair practices and won the case last year. The debt collector chase hired has n't stopped their unfair collection practices eventhough case against chase has been won and chase is not abiding by the settlement agreement/order against them as they havent stopped this debt collector. I called the attorney that seized my bank account and they claim to be unaware of the case against chase nor to desist collection for chase. I told them i was filing a claim at the attorney general because of the lawsuit against chase snd the attorneys secretary said to go ahead. 
i have been harrassed by them in numerous ways in the past with phone calls and people waiting for me outside my house during the time i was getting XXXX and had to be XXXX at home. 
The amount claimed due to chase was never properly verified by chase nor rid chase notified me that the debt was being sold. 
I got into a situation of not being able pay chase due to their predatory interest increase. I was dealing with battling XXXX, then unemployment and divorce. My home is being foreclosed on too. At some point i remember informing chase i was going to file bankruptcy.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, IA XXXX To Whom it Concerns, I am writing to file a formal complaint against US Bank regarding a series of fraudulent transactions on my checking account from my wife 's debit card. Despite initially rectifying the fraudulent transactions, the bank subsequently withdrew the reimbursement, leaving us with a significant financial loss. 

The details of the issue are as follows : XXXX. XXXX XXXX : - After my wife 's trip to Florida, her debit card was used for unauthorized transactions on XXXX. These transactions did not go through our XXXX account, which remains uncompromised. 

- The fraudulent activities resulted in losses exceeding {$2400.00}. 
- Despite the bank allowing these transactions, they failed to detect the fraudulent activity. 

XXXX. XXXX and XXXX Bank Response : - We discovered the fraud when our account went into a negative balance. 
- I promptly reported the issue to US Bank, and they initially returned the stolen funds. 

XXXX. Reversal of Reimbursed Funds : - Over a month later, the bank withdrew the reimbursed amount, claiming that the issue was with XXXX and that we needed to address it with them directly. They did not send any formal notification to my residence concerning their findings. 
- US Bank advised that the unauthorized transactions were made using the debit card number entered online. 

XXXX. Further Actions Taken : - A police report has been filed with the XXXX XXXX Police XXXX, report number XXXX. 
- Police Station Address : XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX - Phone Number : XXXX XXXX. Evidence : - I have attached a detailed comparison of the transactions from my bank account against those from my XXXX account, clearly indicating which transactions are valid and which are fraudulent. 

The table of transactions provided shows clear discrepancies, proving that the fraudulent transactions did not originate from our XXXX account ( available upon request : These transactions were outside of our control and approval, proving that the details provided by US Bank were accurate regarding the online entry of the debit card information, yet the responsibility lies with them to secure our funds. 

Given the situation and evidence presented, I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action against US Bank. Their refusal to take responsibility and their dismissal of the evident fraud have caused us financial and emotional stress. 

I appreciate your prompt attention to this matter and await your response. If further information is required, please do not hesitate to contact me. 

Thank you for your time and consideration. 

Sincerely,
Product: Credit card or prepaid card

Capital One issued a statement on XX/XX/2020 that i owed {$22000.00} by XX/XX/2020. 
I made a small payments all along the month of XXXX which totaled {$20000.00}. 
My payments were made thru the web-based app. 
I assumed that I had paid the entire amount as the there is no way to figure out on the app if your statement balance is met in full. 

Due to the Corona situation, I was busy with so many things. 
I didnt check my XXXX statement until XX/XX/XXXX and I saw that I was hit with an interest charge of {$160.00} for missing the full payment. 
I called them and paid the past balance and an additional payment totaling XXXX. 
I asked them to waive the interested, they denied. 
I called them additional 2 times after that I was caught up in so many things and assumed that payment was fully made. 
They didn't care. 

I just got the XX/XX/XXXX, statement. 
They charged me an additional {$170.00} interest. 

I have closed the account to never do business with such a greedy and unforgiving bank. 
Even in times of crisis, this bank didn't care for the consumer.
Product: Credit card

Citibank promotes an XXXX business card that promises to reward you a {$99.00} companion ticket when you spend {$30000.00} in one year. We met the spend requirement over XXXX weeks ago. It has now been XXXX weeks since we paid the annual fee for the second year with the card. We have made multiple requests for the reward for the {$30000.00} spending for last year and never received any reward. Every time we called they said it should be there in another XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this late however, I have not been successful.
Product: Mortgage

I am trying to get a loss mitigation and I keep getting denied. Now they want me to come up with a reinstatement fee of XXXX dollars by XX/XX/2023
Product: Debt collection

On XX/XX/XXXX, I visited my XXXX XXXX XXXX 's office for immunization shots and tests. Total billing was {$220.00}. 
In XX/XX/XXXX my insurance XXXX declined the claim as " administrative services are not covered '', thus {$210.00} of the billing was not paid by insurance On XX/XX/XXXX provider transfer the bill in the amount of {$210.00} to Collection Agency " XXXX XXXX XXXX '' On XX/XX/XXXX I paid provider the full amount of {$210.00} with my own credit card On XX/XX/XXXX, When XXXX XXXX XXXX run my credit report with TransUnion, it still shows that I have " a derogatory public record or collection appearing on my consumer credit report '' On XX/XX/XXXX when XXXX XXXX XXXX run credit report via XXXX XXXX, it shows, again " i have Derogatory public record or collection filed '' I have called XXXX XXXX XXXX many times requested documents about my account payment as well as status, I have not received any from them
Product: Vehicle loan or lease

On XX/XX/year> I received a voicemail message at XXXX XXXX from XXXX. 
I returned the call to XXXX on XX/XX/year> at XXXX and was on the phone for 7 minutes with a male agent. He looked up my account, confirmed with me it was for my XXXX XXXX, and that the last payment made on the account was {$1500.00} and that I no longer had an outstanding balance, and it was paid in full. I said, are you sure because you guys left me a message saying I owe you money. This was a lease, I turned it in to the broker/dealership, and I was under the assumption everything got paid. He said, yes, I show no balance. I said, great, then can you send me a paid in full letter, he said yes, verified my address, put me on hold and then came back and said the letter was sent and I would receive it in 7-10 business days. 
I then received a letter on XX/XX/year> saying I owed XXXX and if I didnt resolve it in 10 days I would be sent to collections. 
I called the number on that letter XXXX on XX/XX/year> at XXXX and spoke to XXXX XXXX and explained everything above. She told me she had no record of the call made on XX/XX/year>. I told her I do have a record ( and I still do ). She indicated to me that she would put any actions to my file on hold until XX/XX/year>. She did this as that was the maximum amount of time it would take for the 7-10 business days to pass since the letter was sent. I agreed I would call back on the XXXX regardless of having received the letter. 
On XX/XX/year> I received a call from XXXX XXXX at XXXX and was asked to pay the XXXX. I asked her to please read the notes on the file and she told me the account can not be put on hold and that I was given the incorrect information by XXXX XXXX. I let her know that I received the paid in full letter the night before. She then asked me to send that letter to the recovery department email. Id did that and provided the letter that stated my account was paid in full. 
I did not hear back from her, so I called in and spoke to an agent named XXXX who said he cant transfer me to her, only send her a message to return my call. She didnt call back. I called in today and was told by XXXX XXXX that my account has a note on it that I have retained counsel ( I have not and they have received no such information ) and so no one is allowed to speak to me on my account. I need this resolved ASAP and am going in circles with Ally. Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to INNOVIS. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.