23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I went to work in XXXX in XX/XX/XXXX. I intentionally missed one mortgage payment, so I would not be overseas with no money. With my first paycheck I caught up on the missed payment along with the payment due for the following month. A few months later I noticed a {$5.00} fee on my bill, so I called to inquire as to what the fee was for. I was told I must request that information in writing, so I did. The response explained that foreclosure proceedings were initiated at my expense of {$55.00} and charged to my account at {$5.00} per month until paid off. I never received any notice of foreclosure and, because I have equity, I believe they were trying to steal my home in a very unethical and possibly illegal manner. 
I believe it was XXXX last year I accidentally payed my mortgage twice. There was no payment due but Ditech put my accidental second payment toward the XXXX payment instead of toward the principal. In XXXX of this year I received a bill with the statement date of XX/XX/XXXX and the due date of XX/XX/XXXX. I payed {$800.00} for a {$570.00} mortgage due. I then received another bill with a statement date of XX/XX/XXXX with a due date of XX/XX/XXXX. Why am I being billed twice for the same payment, especially after it was paid? 
Another issue is my interest rate. I have a variable rate and it has been increased by .5 % twice over the last two years. I have called several times for an explanation and to find out which index my rate is attached to. They refuse to divulge that information to me and I am put infinite hold each time. I wish to research the index my mortgage is attached to and see if the interest rate increases were valid. I believe, because of their elusiveness, that the increases are not legitimate.
Product: Money transfer, virtual currency, or money service

I purchased a XXXX month plan from XXXX. I used PayPal to pay for this. Today I just got charged more than twice for this service. I had NOT signed up for recurring charges. Only for a XXXX month plan! The company won't refund me. I have cancelled with the company. But PayPal is showing a recurring payment ( which I never requested ). I just changed this on PayPal. But, I want a refund for the {$38.00} + dollars that was automatically charged today. I NEVER AUTHORIZED PayPal to automatically charge me!!!! 
I am a senior citizen and I believe this company, XXXX ( XXXX XXXX ) is fraudulent and in cahoots with PayPal, in defrauding seniors of their money. 
Please help! Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that Equifax credit bureau has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. <P/>*XXXX XXXX/XXXX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX
Product: Debt collection

Western Finance XXXX continues to call even after I have informed her we are going through XXXX XXXX XXXX She called my work today and I asked again for her not to call me at work and she said she will continue to call until I pay this debt and she hung up on me. 

Western Finance XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Going over my monthly consumer report I've noticed that Experian is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Experian thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Experian continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.

Violations committed by Experian and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX 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 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 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 XXXX DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction.
Product: Debt collection

XX/XX/year> XXXX Portfolio Recovery Associates LLC keeps contacting me and my account is already past the statue of limitations and I informed them of this as well however they keep contacting me and the balance keeps going up and up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

ONEMAIN ( credit inquiry ) XX/XX/2018 on XXXX credit bureau XXXX XXXX XXXX XXXX IN XXXX I had called this company and asked questions and they had my information from a previous application and reran my credit. 

WAS NOT TOLD THEY WERE RUNNING A HARD INQUIRY! 

I asked to to remove and I was told to dispute it. 

Spent one hour on hold with XXXX with no success. 

I wand this deleted inquiry deleted from my XXXX credit file please
Product: Mortgage

I was charged a " late fee '' of {$15.00} in XXXX 2016. When I questioned them about this charge, I was informed that it was not a late fee but instead was for the following : " The charge to the account was for a Broker 's Price Opinion ( BPO ). A BPO is not the same as an appraisal. A BPO is an estimated value of a property as determined by a real estate broker or other qualified individual or firm. One of the factors used by a broker is an estimate of any of the costs associated with getting the property ready for sale and/or costs of any needed repairs. Records indicate that the BPO was ordered due to the delinquency of the account. Ditech set up this charge as an advance to be collected in a payment of {$15.00}, beginning with the XXXX 2016 due date. As of the date of this correspondence, the remaining balance of this advance is {$0.00} as the fee was collected on XXXX XXXX, 2016. We are unable to comply with your request to apply the {$15.00} to the principal balance as this was not a late fee assessment. As of today 's date, there have been no late fees assessed to the account. '' The problem here is that my account WAS NEVER DELINQUENT and any confusion here was 100 % related to them misappropriating the payments that I made to them beginning a few months earlier. Furthermore, I have NEVER been charged any late or delinquent fees, NEVER received any notices that I was late or delinquent on ANY payments and I was never in a position where they would have to prepare for foreclosure nor was I ever informed that such action was taking place! Note : I filed a complaint with the BCFP at that time and this issue was resolved to my satisfaction.
Product: Student loan

A loan was taken out in my name in XXXX, XXXX through XXXX XXXX. I was the borrower and mother was the co-borrower. This loan was taken out for {$27000.00} so I could complete my XXXX college education at XXXX XXXX University. Upon my graduation in XXXX, XXXX I had started to make the monthly payments with the loan servicer, XXXX. Due to lack of steady income I eventually defaulted on my loan and it was sold to multiple debt collectors over the years. Over the years since XXXX, I attempted to pay what I could on this loan. I was still never able to make the minimum monthly payments over {$500.00} for this loan so my loan continued to get sold to different debt collectors. From XXXX, XXXX through XXXX, XXXX I had been working with the debt collector, XXXX XXXX XXXX and making monthly payments between {$100.00} - {$300.00} until I lost my job in XXXX, XXXX. XXXX XXXX XXXX told me they would continue to work with me if my situation changed. I got a job in XXXX, XXXX and called XXXX XXXX XXXX to start making payments again. However, when I called I was told that my loan was no longer with them and they did not know who it was with. Today, XX/XX/XXXX I received a letter in the mail from a law firm reaching out to help me with a lawsuit that has been filed against me by XXXX XXXX XXXX. I have not been served or summoned so this advertisement I received from the law firm was my first knowledge that I was being sued by XXXX XXXX XXXX. 

I believe that XXXX XXXX XXXX is using deceptive collections practices by filing a law suit against me more than 10 years after I defaulted on this loan. The statute of limitations for private student loans does not exceed 10 years in most states. I took this loan out in XXXX and defaulted on it more than 10 years ago. By getting me to work with debt collectors and making fruitless payments in hopes that this would not happen, they have deceived me so that the statute of limitations re-started for them and they were able to file a lawsuit against me. 

For reference, my loan started at {$27000.00} in XXXX, XXXX and is now at {$44000.00} to date ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$84.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX
Product: Checking or savings account

On XX/XX/2021 at Bank of America which is located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, United States I deposited {$450.00} into an ATM at around XXXX. However, after depositing my cash the ATM monitor read XXXX deposited. I canceled my transaction the ( ATM also was delayed in response ) and after doing so it only gave me back {$20.00} out of the initial {$450.00} at XXXX the Bank opened and I told the manager of my situation and she said that ATMs were not operated by BoA. So I had to contact costumer service via phone they said they will credit me {$430.00} on XXXX XXXX and do an investigation. However, Im filing a report for a more thorough investigation.
Product: Checking or savings account

Oh or about XX/XX/XXXX I deposited a check into my Bank of America account from my credit union account. The check was for {$3000.00}. 

On XX/XX/XXXX, the credit union process that check and the money went to Bank of America. BANK OF AMERICA XXXX said the funds would not be available until XX/XX/XXXX. 

I called customer service and was told that as soon as the money came through it would be made available anytime between the day I called which was the XXXX until XXXX XXXX. 

I then went to the bank and attempted to access the {$3000.00} and was told that I should go to the credit union and have them cancel the check and give me the cash and then come and deposit the cash. This happened today. 

The credit union Prepared a statement for me saying their money had been transferred to Bank of America and they were unable to cancel payment on it. 

An employee at Bank of America told me that the manager has the discretion to override holds on checks. When I return to Bank of America they said theres no way that a manager could release any part of the funds that were on hold and that I would just have to wait till the XXXX. I was also informed that there was no one higher to whom I could appeal to secure some or part of my money. 

The employees were very nice But reiterated they were unable to help me. So, here I am no money in the credit union and no money in Bank of America and {$3000.00} floating somewhere. In the meantime I am missing payment deadlines and accruing interest on bills.. 

I have been a customer of BANK OF AMERICA since they were Nations bank and maybe even before then. I have had loans and paid them off, two house mortgages and paid them off, and a strong supporter of this bank in the past. 

{$3000.00} is a lot of money for the bank to hold onto for almost 2 weeks. It came from my credit union account and as always I have deposited checks via mobile deposit into Bank of America. This is the first time I have encountered them holding onto my funds without allowing some access.
Product: Credit reporting or other personal consumer reports

The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this letter is my formal complaint against LexisNexis who has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. LexisNexis claims that their subscription to Pacer is an acceptable form of verification. 
I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, and finally to the CEO, XXXX XXXX on XX/XX/18. Upon receiving their response ( to the 3rd letter ) that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that  they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. 
I did not receive a response to this request nor did I receive a response from the CEO, XXXX XXXX, to the letter addressed to him directly, delivered on XX/XX/18. 
In the meantime, I also obtained a letter from the XXXX Florida Bankruptcy Court which clearly stated that they do not provide any information to the credit bureaus. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.

I implore your agency to please assist me in having this unverifiable information from a database ( Pacer ) that does not allow access to any personal identification information, removed from reporting on my credit files. LexisNexis practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue.

Thank you for your time and assistance in this extremely important issue.
Product: Debt collection

I got a notice in the mail saying that I owe XXXX {$430.00} and I do not have a XXXX account that I owe money on or have never bought anything through XXXX to credit it is not my debt
Product: Credit card or prepaid card

I am writing to express my deep dissatisfaction and frustration with the handling of my dispute that I raised with XXXX XXXX XXXX billed on XX/XX/2023 for {$2300.00}. 
The Case XXXX The Merchants Name : XXXX XXXX XXXX XXXX  The Capital One transaction Support Center replied to me that they were unable to assist with my claim.When I called them, the representative said the time had passed and the validity period for filing a dispute is only 90 days. But when I first called for a dispute, they never informed me or provided any notification to submit evidence and documentation until around 80 days, they sent the first letter and mentioned it.Now they are avoiding taking responsibility for the matter. I have called them 3-5 time and send seveal emails but they still did not want to help me to slove the problem.They pushed the blame and asked me to go to the airline to solve it myself. 
The Capital One Representatives carelessness and lack of responsibility in their work have caused me financial losses. They have to help me to get the fund back.

Due to the mistake of the representative, the transaction was released without my authorized.Now they shirk their responsibility and ask me to solve it with the Merchant by myself.It is too unreasonable. 

I can not agree with Capital ones response for the following reasons : First : My XXXX old daughter used my credit card to book the vacation airline tickets without my permission.When I received a text message from Capital one company asking if I authorized this transaction on XXXX XXXX, my response was " No. '' I did not authorize this charge.At that time, the credit card was frozen.the next day, we needed to use this card to buy materials in Home-depot, I called the customer service for help, but I only said that I wanted to authorize the transaction with the home-depot.I did not expect that the customer service also released the transaction I had refused before. ( I printed out the text message from my phone as Evidence ) Second : When I found that the Money still charged later around XXXX or XXXX of XXXX. I immediately called Capital One to dispute it and called XXXX XXXX to cancel the flight. But they told me that the refund could not be processed back to my credit card and could only be refunded as credits for future buying tickets because it took 24 hours to cancel the flight. I did not agree to this proposal.

I think it was Capital one that caused a delay and resulted in my losses. The airline did not agree to refund the money, The transaction Support Center should be responsible for helping me refund the money.

I urge Capital one to take immediate action to refund the full amount charged to my credit card account. I appreciate your attention to this matter and your assistance in resolving this dispute. 

Thank you for your time and help.If you have any questions, please call me atXXXX Signature : XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments for my leased XXXX were mailed, received and debited for 9 months at XXXX XXXX XXXX. I was notified to start making payments out to Chase Auto Finance in XXXX of 2021. In XXXX of 2021 Chase received my payment stamped the check for deposit and then cancelled the endorsement and returned the check. I subsequently made an payment over the phone direct from my checking account. I have since received letters from Chase apologizing for the error and removing the late fees. When I found out recently that there are two 30 day late payments on my credit report they did an internal review and decided that Chase did nothing wrong. I have a copy of the check they received, endorsed for deposit and then cancelled. I have spent numerous hours on the phone with these people without any acceptable answers.