23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This creditor charged off my account which they claimed in there taxes as a loss, I was issued a 1099-c which means I no longer owe them anything and they are reporting inaccurate in my report.
Product: Mortgage

Why is Ocwen sending me statements for a mortgage paid in full and Why have n't they released the lien in my house? 
They need to collect the {$260000.00} and {$60000.00} from first XXXX and {$35000.00} from XXXX paid twice and arrow and ozark financial who had NO security interest in any property I EVER owned and any funds paid to XXXX after XXXX. ANY funds paid to XXXX XXXX that were not directly paid to the amount shown on the statements I received from them. REFUND WITH INTEREST ALL payments to XXXX XXXX or any payments made to my duplex at XXXX XXXX including escrow payments that are NOT included in the loan on my HOUSE. OR ANY Duplicate payments EVER made. By anyone to my property.and including any payments made to properties I DONT own. 
I had a {$260000.00} loan to which I paid {$360000.00} and {$510000.00} to the loan I paid off. 
I paid all of the principal balances back to all of the prepaid credit and interest ito the amounts added to my mortgages. I did n't owe interest on any escrow added back to my loan. The field adjustments added to the modification on my house were already paid to XXXX XXXX XXXX, XXXX XXXX and midland. I do n't want to borrow HAMP incentives and I want the payments I made to XXXX applied to the 2004 payoff and {$23000.00} I did n't owe XXXX and credit for the payments made to XXXX XXXX for the {$32000.00} field adjustments plus the {$9400.00} escrow and any other part of the {$41000.00} payoff on my duplex. 
I want credit for all of the {$49000.00} and {$18000.00} paid to XXXX and {$5700.00} + {$33000.00} paid to XXXX and {$24000.00} + {$15000.00} paid to XXXX I WANT CREDIT FOR ALL OF THE {$840000.00} cash payments I made to XXXX properties serviced by Ocwen ( for the final servicers of loans with ; XXXX XXXX and XXXX XXXX ). 
And the funds from the foreclosure of my duplex with any escrow used or paid from or by any of these servicers.
Product: Debt collection

I contacted XXXX XXXX in XX/XX/2021 via phone regarding a collection account I did not recognize. The collection agency representative I spoke with could not locate me in their system based on my personal information that I provided. The representative then advised she would contact her supervisor and get back to me. I never heard back. I later filed a complaint against this company and which they removed the collection account from my XXXX  and XXXX  reports. They have now forced this fraudulent account onto my Equifax report. I have notified Equifax on multiple occasions this is not my account and is a result of fraud and they refuse to remove it.
Product: Checking or savings account

Received a notice from Chime that they were sending a debit card out to me that I had applied for. I have not nor would I apply to have an account with Chime.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act.This account has reached it's expiration date, and must be removed.Also including false information about late payments.
Product: Debt collection

On XX/XX/XXXX they called twice in the same day. Threatening that I was outside of my contract and that I would be on their delinquency report. I explained that I will be making a payment on XX/XX/XXXX. They said they didnt see that and that since Im paying outside of my normal process this isnt allowed and that I would have to pay by the Monday the XXXX. I explained this is when I would have the money. She kept threatening me with I was outside of my contract and that would be reported and I responded Im not 30 days late and I could pay. She started my contract says I have to pay in the month Im due or Im in violation and this could lead to further action. I said Im not 30 days late so thats fine. She went in further about their delinquency report and I said that has nothing to due with me and I would appreciate them to stop calling me as they had called me all week and hung up on me. I explained this is rude and its a violation. I went in to their website and scheduled the payment. Then a called called me back and began asking me to change my due date and began pressuring me and when I said hes in violation and that need to stop calling he said do you want the help or not. I asked for him to stop and the company to stop calling me Im at work and this is harassment about a payment I schedule on their actual website. He continued on trying to threaten me and pressuring me to change my due date and pay a lesser amount then my actual monthly payment. They called me the first time  at XXXX XXXX   and the again at XXXX XXXX
Product: Mortgage

I have a loan that has been serviced by HSBC since XXXX, XXXX. I admit that there have been several times over the course of the last 14 1/2 years that I have fallen behind on my payments due to financial situations. In XXXX, XXXX I went from being self-employed to employed and my salary significantly decreased. In addition, my daughter had XXXX and I was incurring significant co-pays and deductibles. On XXXX XXXX, XXXX I contacted HSBC regarding loan modification. I faxed my paystubs and a hospital bill. On XXXX XXXX, XXXX HSBC sent me a letter offering a short sale or deed-in-lieu of foreclosure. Modification was denied because HSBC " did not received required information from a third-party ''. On XXXX XXXX, XXXX HSBC sent me the Residential Broker Price Opinion. On XXXX XXXX, XXXX HSBC wrote me and stated that a modification could not be offered because " borrower 's reason for delinquency does not demonstrate a permanent hardship. Permanent hardship includes death, terminal illness or permanent health condition of someone living in the household '' and " net Present value calculation did not satisfy lender 's guideline. '' When I contacted HSBC to discuss appeal, I was told I would have to send a money order or certified check for {$200.00} for an appraisal. 
Unfortunately, this was my second attempt at loan modification recently. In XXXX, XXXX, I contacted HSBC and due to being self-employed was required numerous times over the ensuing year to produce months of bank statements and explanations of deposits and expenditures. When I could not provide any further information for transfers of money to/from my son ( who was in college XXXX my modification request was denied. HSBC gratiously " reaged '' my loan, but my interest rate has remained at 10.5 % and I have again fallen behind. Each time, save XXXX, when I was able to make contact with someone at HSBC, thanks to an acquaintance who formerly managed an HSBC loan office, I have been denied. That time, I was given a temporary modification, which helped significantly, but was denied a permanent modification. 
I disagree that the Residential Broker Price Opinion ( `` drive by appraisal '' ) adequately assesses the fair market value of my home. I disagree that I should have to pay for a legitimate appraisal. I disagree that my decrease in income does n't represent a permanent hardship. Please contact HSBC and investigate not only this loan modification application, but the entirety of the servicing of my loan.
Product: Mortgage

To whom it may concern : Please note my name is XXXX XXXX XXXX, and I am making a complaint against Truist Bank ( mortgage holder ). The following are details to support my complaint : On XX/XX/XXXX, I sent a NOTICE of ERROR to Truist, emphasizing the financial loss and potential legal implications caused by their actions. According to federal law, the servicer ( Truist ) is responsible for the insurance and tax payments in a timely manner ( that is, on or before the deadline to avoid penalty or, in my case, cancellation of my homeowners ' policy ) ( 12. C.F.R. section 1024.17 ). Despite my consistent monthly mortgage payments, Truist 's failure to make the necessary payments led to XXXX XXXX canceling my policy on XX/XX/XXXX, resulting in significant financial loss and potential legal implications. 
I reviewed my online statement and noticed that Truist paid on XX/XX/XXXX. I called Truist and spoke with a male representative ( approx. XXXX XXXX ) who confirmed a payment had been made. I questioned why it wasnt paid on XX/XX/XXXX, and he stated, I dont know. On XX/XX/XXXX, I received my escrow check due to non-payment with a cancellation date of XX/XX/XXXX. I once again contacted Truist and spoke to XXXX on XX/XX/XXXX, who reviewed the account and stated the electronic payment bounced back to Truist, and another payment was made on XX/XX/XXXX within the 30-day grace period. He asked if he could call XXXX XXXX to get the policy reinstated. He placed a three-way call with XXXX XXXX XXXX XXXX rep ) ; after reviewing the account, she could not reinstate the policy because it was past the grace period. XXXX stated the payment was made within the 30-day grace period, and she corrected him, stating the policy had a 15-day grace period as it was between the financial institution and XXXX XXXX, not the consumer. Once the call ended, he admitted this error was Truist 's fault and would escalate for review. I contacted XXXX XXXX and spoke with XXXX on XX/XX/XXXX at XXXXXXXX XXXX and was informed to have Truist provide evidence that an electronic payment was made promptly and that they would review it. I called Truist on XX/XX/XXXX to inquire about the status, and XXXX stated I needed to get new homeowners insurance because if the lender secures it, the cost will be greater and to return the escrow payment. She further suggested I contact the property team for further assistance. Later that afternoon, I spoke to XXXX XXXX ( XXXX XXXX XXXX XXXX ). XXXX confirmed that a virtual credit card payment was made on XXXX ; however, they were unaware that the payment was rejected. She further stated, XXXX XXXX didnt want to play, I am unsure what that meant. I informed her what XXXX had instructed and gave her the email address to contact her ; please refer to the emails I have uploaded for details. I also uploaded the correspondence from Truist regarding my Notice of Error complaint. Which basically takes no culpability and sent a {$25.00} gift card for bringing this to their attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account NameXXXX CARD Account XXXX Account TypeCredit Card Date Opened XX/XX/2009 I have disputed this account via Experian online dispute center and I feel as if the matter was not investigated correctly. I pulled a copy of my credit report on-line and found that they are reporting the following delinquent account that past the 7 year reporting time as allowed under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

transunion has removed XXXX XXXX XXXX XXXX XXXX XXXX, i do not see that on my credit that it was removed and i also have been logging into my credit report and it will not allow me to dispute nothing online or see my credit and that is illegal, they sent the same proof for XXXX XXXX XXXX XXXX XXXX XXXX, after i asked them to send me the contract of my signature, a apartment complex can not number one sue you for past due without eviction, this debt is also showing as open, after i said to them numerous times it is not my debt, this debt collector is adding interest on this debt as if i agreed to it and signed a contract with them that i owe this, that is also against my rights, i have asked for proof over and over and now i am demanding removal, u have not proven with the document ive attached that this is my debt, a letter from teh debt collector with my name and debt amount does not prove anything, debt collectors and lawyers will do anything to get money and i am not settling for this debt that is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX XXXX 2022  in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX XXXX 2022. On two different occasions XXXX XXXX reported me late to the credit bureaus adversely affecting my credit. XXXX XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to dispute the removal of my XXXX credit card account ( Account XXXX : XXXX ) from my credit report. This is a valid account that should be accurately reflected in my consumer report, but it was removed on XX/XX/year>. 

Please take immediate action to reinstate this account and ensure it is properly reported. Let me know if further information is needed. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

ask for the dept validation letter, i was dnt have it or have to send it to me some dept they perchase of {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I am in receipt of documents mailed to my address by XXXX XXXX collection agency. The above collection agency alleges that I electronically signed a lease agreement with The XXXX apartment XXXX of XXXX. Account number XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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 the information is inaccurate. 


The documents enclosed with this complaint will provide credible proof that Transunion was incompetent in conducting a reasonable investigation regarding this matter. After illegally reinserting this item on my credit file around XXXX of XXXX. Repeatedly violating my consumer rights by ignoring my requests for disclosure of their reinvestigation. This agency is completely out of control. And should be reprimanded. 
The documents claiming that I signed a lease agreement with the apartment complex are missing one key factor. My actual signatures.. 
Not one piece of document bares my actual signature. 
This poses the question. How did I obtain the keys to the apartment without initially going into the leasing office and actually signing these documents? 
The valet Trash addendum ; No wet ink signature. 
The Fitness center addendum ; No wet ink signature.

Mini Fridge addendum ; No wet ink signature.

Pool pass addendum ; No wet ink signature.

Likeness agreement ; No wet ink signature.

Lease addendum addressing carrying of handguns onsite ; No Wet ink signature.

Lease addendum for additional special provisions ; No wet ink signature. 
Lease addendum allocating water/waste cost ; No Wet ink signature.

Lease addendum for early termination ; No wet ink signature.

Security guidelines for residents addendum ; No wet ink signature. 
No document baring my signature claiming I was given the keys to the premises. Such as a key receipt. 
I was sent 47 pages of this documents regarding this alleged debt. Not one piece of paper bares my real signature. 
I demand that this account be received from my credit file permanently and immediately.
Product: Vehicle loan or lease

We purchased our XXXX XXXX XXXX in XXXX of XXXX .. shortly after this we were forced to filed bankruptcy in FEDERAL Court . We REAFFIRMED this DEBIT with Flagship at that time. We have since been paying on this loan for approximately 5 years going on the last year 6 of the contract. We recently went online to our account and we were locked out. It said we are currently in a bankruptcy status. We then called customer service and we were not allowed to talk to them ( due to account -after 5 years being put in a bankruptcy status ) so we had to speak with a special bankruptcy division then informed us we are not in bankruptcy and we had to speak with another division which was then bankruptcy recovery division. We then found out they recently changed over their system from XXXX account number to XXXX account numbers. They are telling us that due to this " glitched and or system update '' our account and many others are being put into this status. We have NO access to pay our account, we have no access to see our previous payment or other agreed upon contract terms when we entered into reaffirm this debit. It has been promised over and over by managers ( on a recorded line ) that this would be fixed and still has not. we have emailed flagship as well as by reaching by phone. They also indicated an APOLOGY letter would be coming out to us in the mail, and never received anything. 



ACCOUNT NO : XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that has appeared on my credit report. It has come to my attention that my identity has been stolen, and this unauthorized account has been opened without my knowledge or consent. 

I have recently reviewed my credit report, and I was shocked to discover the presence of a fraudulent accounts under my name. The accounts in question is with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I have never had any dealings with this creditors, nor have I ever authorized the opening of these accounts. It is evident that someone has fraudulently used my personal information to establish these accounts I have a disputed these accounts several times with my police report Equifax XXXX and XXXX are not doing a real investigation they are just placing verified these accounts are not mines if they do the real investigation they will see that these three companies needs to be penalized for not doing investigations the automated computer dispute system does not work for me I WANT THESE ITEMS REMOVED IMMEDIATELY I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report as soon as possible. I understand that as per the Fair Credit Reporting Act, it is the responsibility of the credit bureau to ensure the accuracy of the information on my credit report. Therefore, I am confident that you will take the necessary steps to rectify this issue promptly. 

To assist with the investigation, I have enclosed the following supporting documents : 1. Identity theft police report 2. Screenshots of accounts In question Please note that I have already contacted the local authorities and filed a police report regarding this fraudulent activity. I am taking all necessary steps to ensure that the responsible party is held accountable I have already contacted Attorney General I appreciate your prompt attention to this matter. It is crucial that this fraudulent account is removed from my credit report so that I can restore my financial standing and protect my creditworthiness. 

Thank you for your understanding and cooperation. I look forward to a favorable resolution to this dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent account name XXXX XXXXXXXX, account number XXXX, has violated my rights.

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

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

I wanted to sign into my Capital One account to apply for a savings/checking account and regain access to my Quicksilver card. When I called customer service, they said they could send a verification code to my new number to process the number change. This option did not work, so they asked me to send a copy of my drivers license using a link they emailed me. 

I did as requested, but the request was denied because the images were blurry. The second time, they asked me to resend the picture of my drivers license along with a screenshot of the reference number. I complied again, and it was denied once more. 

I called a third time about this issue, expressing my frustration as a customer. They then asked me to resend my drivers license along with a copy of the reference number and a written log of my address. Today, the claim was denied yet again. However, I applied for a new Capital One card using the same images requested to change my phone number and was approved. 

They could not explain how my identity was verified for a new Capital One card application, yet still couldn't be verified for changing the phone number on my account, to sign in.