23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022 Bank of America put my second mortgage into foreclosure. After many hours on the phone with multiple people and departments, I received conflicting information from each person and each department, often within the same department. On XX/XX/XXXX I was served papers from Bank of America 's outside law firm XXXX stating my home will be auctioned off on XXXX XXXX XXXX. I've also been told that my account is in Bankruptcy. I've also been told that my account is pending for Modification review. Today I was told my account is NOT in bankruptcy. My account is not in review for Modification ( it was denied ) due to Bank of America stating the rent I'm receiving from my spouse was for another property. I don't own any other property. I wrote a letter explaining the income I ( rent ) receive from my spouse. Today I was also informed they have no knowledge of my home being put up for auction. They have no record of it. When they said they will check into it, they said they have 30 - 60 days to review. My home will be auctioned off before then. I will lose my home before they correct their serious egregious error. I've been trying to work out arrangements with them. I've been calling them and reaching out to them. I 100 % admit I am behind. I also admit I want to keep my home, and have been proactive in attempting to resolve this, with no resolution from Bank of America. Someone there is auctioning off my home in 5 weeks, but they don't know who? Please help me to resolve this. I want to continue making payments. I have been paying. I don't want my home auctioned off. There is no consistency at Bank of America. They are seriously dropping the ball often within the same department.
Product: Credit card or prepaid card

I am writing in order to complain about the handling of a fraud case on my Capital One account. Capital One denied me the fraud complaint that I had opened up and rebilled charges back to me. 
The incident in question happened overseas while I was traveling in Pakistan on XX/XX/2021. I had a bag that had my wallet, mobile phone, drivers license passport copies etc that was stolen when I traveling from XXXX to XXXX at the airport. The suspect proceeded to use my credit card fraudulently of an amount {$6300.00} When I discovered, I immediately went to the police station and reported the situation to the police who took and registered my complaint. I was issued a formal police report ( which I have attached ) on XX/XX/2021. I had repeatedly gone to the police department sooner but the process to get a report took a long time. 
I subsequently forwarded the report over to capital one and was told the case was still being denied stating that because I had a previous fraud case they were not able to honor this one. I pushed them for proof of culpability and reminded them of their legal obligation to protect their consumer in this situation. They didn't care and were not able to offer anything else except denial of the case. I dont think capital one handled this case professionally.
Product: Checking or savings account

In XX/XX/2022, I received an account statement for checking account. The statement listed my full name and address. I did not open this account, nor have I ever been a customer of Wells Fargo. This was the first correspondence about this account that I received. I did not receive a notification that this account had been opened in my name despite the account having my correct name and address. 

Prior to this, my information was leaked in XXXX of the many internet breeches over the last several years, so the mystery of how my information was obtained is not really a mystery. In response to this, I created freezes in XXXX, XXXX, and XXXX. 

I called Wells Fargo on XX/XX/2022 and their representative told me that this account had been open in XX/XX/2022 and that I only received a statement because I would start accruing charges for not meeting the minimum balance. There was no balance in the account and no activity on the statement I received. I find it difficult to believe that a somebody would open an account with my credentials, yet not use it for anything. It seems the only entity that would benefit from this is Wells Fargo, particularly in light that the account would start accruing minimum balance fees had I not found out. 

When this account was opened, I had credit freezes on all three of the credit reporting agencies. While this account was not a loan account, so there was no actual requirement to do verify credit, it seems a reasonable step to take in the era for identity theft, leaks of personal data, and rampant online fraud. It also seems a reasonable step to send out a written letter confirming that an account has been opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX  and 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: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Capital One Auto Finance This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave capital one any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Debt collection

Subject : Identity Theft Report Dispute of Debt Collection Entry by XXXX VANCE & HUFFMAN LLC Dear XXXX, I am writing to dispute a debt collection entry on my credit report that I believe to be the result of identity theft. I have recently reviewed my credit report and noticed an unfamiliar collection account listed by XXXX VANCE & HUFFMAN LLC with reference number XXXX. 
I have never entered into any agreement or contract with XXXX VANCE & HUFFMAN LLC nor have I received any services that would warrant such debt. Therefore, I am certain that this entry is inaccurate and must be the result of fraudulent activity. 
Please find attached evidence supporting my claim of identity theft which includes [ list any documents you are attaching such as police reports or FTC Identity Theft Reports ]. 
In accordance with Section 609 ( e ) of the Fair Credit Reporting Act ( FCRA ), I request that you provide me with all records relating to this fraudulent account so that I may further investigate this matter.

Furthermore, pursuant to Section 611 of the FCRA, please remove or correct this inaccurate information from my credit file within thirty days from receipt of this letter. 
Should you require additional information or documentation from me to assist in resolving this issue promptly, please do not hesitate to contact me at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$1900.00}
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i never authorize these inquiry 's unless the item is on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed : Previous / Incorrect Addresses 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 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 There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling and current address. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect 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 There should only be one name on my credit report, which is XXXX, XXXX XXXX ( not in all capital letters, I am not a corporation, I'm a living human ). 

Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

It is absurd this law firm is permitted to function. They do and say whatever they want and the court just rubber stamps whatever they file. For one, they made publicly available every single credit card purchase I ever made. My case is not the only case this has occurred in. I know, because I went to the county court house and obtained credit card statements for these individuals and only the account number of a charged off credit card was redacted. This seems like a much larger violation of my privacy than the XXXX XXXX scandal. If this isnt illegal, then Congress seriously dropped the ball because the banking industry is regulated! Secondly, the fees on multiple writs they filed dont add up. The first writ filed XX/XX/XXXX costs are {$80.00} more than the affidavit of costs. Why when the fee for filing a writ is {$45.00}? The second writ lists costs are {$10.00} more than the first. Again, why when the filing fee for a writ is {$45.00}. On the third writ costs are {$150.00} more than the first writ. Again, why? It baffles me the court approves these writs when they do not have documentation to support the amounts listed. Finally, or at least the final complaint I am putting here, is they garnished {$280.00} from me and I have not been able to get confirmation this has been applied to my debt. Quite the opposite, I received a letter from Capital One claiming the balance is {$3200.00} only {$80.00} less than the writ served on my employer. I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX requesting verification of the balance and they have not responded.
Product: Credit card or prepaid card

Made a one time to payment to clear the balance with a capital one credit card. My husband is XXXX XXXX military and we Had to relocate due to the military forcing me to be on leave without pay for about 6 months. I made the payment to the card and it cleared as agreed but capital one refuses to update my credit report showing the account as paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

( 1 ) Account name XXXX  account number ( XXXX ) ( XXXX ) Account name XXXX XXXX XXXXXXXX account number ( XXXX ) ( XXXX ) Account Name XXXX XXXX XXXXXXXX account number ( XXXX ) ( XXXX ) Account Name XXXX XXXX account number ( XXXX ) 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 states a consumer reporting agency can not furnish an account without my written instructions 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: Credit card

The credit report from XXXX XXXX and Discover bank shows monthly payment missing. But the payment is all done accurately, and balance is XXXX still in my credit report it shows payment missed and it is impacting my credit score Discover : 30 days late payment in XX/XX/XXXX XXXX XXXX 30 days late payment in XX/XX/XXXX. 

I am filing this complaint to get the payment missing reversed so that my credit score be improved
Product: Debt collection

Explanation : " Absolute Resolutions Investments is inaccurately reporting an account ( Account # XXXX ) with a 'Date Opened ' of XX/XX/XXXX, even though the original delinquency occurred before XX/XX/XXXX. This misrepresentation makes the debt appear newer and more collectible than it is. Under the Fair Credit Reporting Act ( FCRA ), negative items can only remain on my credit report for 7 years from the original delinquency date. I dispute this re-aging of the debt and request validation of the original delinquency date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report this morning, I noticed unauthorized inquiries that should not be there, and Im absolutely baffled as to why. I check my report consistently, but today, strange discrepancies just appeared. I even tried refreshing the page to see if it was just a system error, but nothing changed. Im incredibly frustrated and demand that the documents Ive sent be reviewed carefully, so I never have to face this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding the Late payment reversal on my credit report.

On the Attach proof, I encircle the late fee reversal which they charge me by mistake.

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX XXXX account # XXXX ending in XXXX is closed and charged off. There should be no DELIQUENCY AFTER A CLOSED DATE ... ..So how is this ever late or past due? On any of these reports. I have provided proof and documents that this has been reporting inaccurately for months. I have been disputing it mulitple times not only with the creditor but with the credit reporting agencies and they have come back and said they have verified that this is accurate but not addressing the concerns of the disputes. Well i do have rights and according to FCRA 623 Duty of Furnishers of Information to Provide Accurate Information at all times. This has not been the case for me concerning this account with Experian and XXXX. Please see attached inaccuracies with mulitple request of disputes to verify the information that was provided by the creditor. 
how was XXXX payments received on a 4 month term loan? 
How is there a payment amount due? 
why are there 3 different amounts on all different bureaus? 
why is this charged off and closed and past due at the same time? 

This has caused me so many issues in the last year that i cant express how thankful i am to finally get help with one bureau, now can you assist with the illegal activity that is being done with the others.
Product: Payday loan, title loan, or personal loan

I signed up for a PPP Loan through the Company XXXX XXXX who's partnered with Capital Plus Financial LLC in Early XXXX and got approved by the XXXX, after three months of waiting they sent me an email yesterday XX/XX/21 stating they couldn't approved my loan because i didnt give the info although my loan was approved and funded by the XXXX  in XXXX Allegedly. Some fraudulent activity is going on because i called XXXX today and they stated they dont have a document from this company that i signed which i did signed and have receipt from XXXX XXXX that i did. Im just trying to get to the bottom of this situation because all the reviews on this company is fraudulent but yet im on the PPP search stating i have a {$15000.00} loan that i never received. You guys can contact docusign with my email information to verify this with my email which is XXXX. XXXX Loan number XXXX the Lender is Capital Plus Financial , LLC
Product: Mortgage

XXXX informed me on XXXX/XXXX/XXXX that my mortgage with them effective XXXX/XXXX/XXXX will be transferred to Nationstar Mortgage XXXX XXXX XXXX known as Mr.Cooper. ) I already had a payment setup with XXXX to pay my mortgage which had a due date of XXXX/XXXX/XXXX. XXXX cancelled my payment to them on XXXX/XXXX/XXXX, they claim its because on XXXX/XXXX/XXXX they will no longer own the account. This meant that today XXXX/XXXX/XXXX I have a payment due to the new issuer Nationstar. Today I received an email from them welcoming me and pointing me to their website. When I went to their website ( either via the link provided or through searching for it on the internet ) the website seems to either be non-existent or severely broken. Below is 100 % of the text on their website at XXXX : 502 - Web server received an invalid response while acting as a gateway or proxy server. 
There is a problem with the page you are looking for, and it can not be displayed. When the Web server ( while acting as a gateway or proxy )  contacted the upstream content server, it received an invalid response from the content server. 

I 've never been late on my mortgage and in fact pay double payments. I can not get anyone on the phone or connected through their website to make a payment. Furthermore I believe its highly inappropriate that XXXX cancelled my payment which was due today on XXXX/XXXX/XXXX which has put me in this frantic mess.