23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This is an urgent matter concerning a loan modification offered via Capital One. Initially I was offered verbally a reduced payoff amount to avoid repossession of vehicle. The same day I recieved a call from body shop that capital one had called to pick up vehicle while during process of the agreement to prevent repossession. Following up with to further discuss ... I was told could no longer do so because vehicle had been sent to auction. Currently, per Capital One XXXX XXXX XXXX the vehicle has not been sold at auction ( which is a dealer only auction not allowing self opportunity to buy from auction ) and info was provide to initiated a loan modification program discussed. Capital One is requesting a good faith payment for normal payment amt to proceed with loan modification process. However, per agent today this amount must be paid before reduced amount finance documents can be sent for agreement. This does not follow with " Truth in lending practices '' and is misleading as I can not verify what I am agreeing to retain the vehicle and improve credit which has been damaged do to these processes. This is an urgent matter as the vehicle could be sold next week as suggested via Capital One if I do not pay said good faith payment in which finance agreement not provided for my review before making payment. This auto loan has been carried/paid at excessively high interest ( about 22 percent ) for nearly 5 years. The initial financed amount was about XXXX in which over XXXX has currently been paid from my behalf. In effort to save vehicle and credit I was interested in loan mod program but the refuse to provide agreement details in writing prior to my good faith payment amount. 

Your urgent assistance regarding this matter would be appreciated.
Product: Debt collection

I sent ONLINE INFORMATION SERVICES XXXX Notice not to assume debt is valid, to cease desist all further communication and to remove false information from my credit report. I continue to be harassed by this company. I am getting headaches and anxiety from the non stop letters and harassment.
Product: Debt collection

THIS LAWYER IS XXXX, XXXX, AND XXXX. AFTER I CORRECTED THEM THEM THEY CONTINUED TO CALL ME MAM AND MADE THREATES TOWARDS ME. SAID THEY WERE TAKING ME TO COURT. SENT XXXX XXXX TO MY HOUSE AND POSED AS A FAKE POLICE. I CALLED THE XXXX XXXX COUNTY SHERIFF TO ALWRT THE REAL POLICE. THIS LAW FIRM IS EVIL AND NEEDS TO BE DESTROYED.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I emailed them stating that they were stolen they were addressed to my apartment complex the XXXX of XXXX there was still no response the XXXX they response told me sorry here 's the copies of your cash money orders and they had a personal name on them therefore they were fraudulently defaced and haven't received a response since nor received my money back total of {$2000.00}
Product: Mortgage

re numerouse complaints against, XXXX /wachovia bank / wells fargo bank, fraudulent forclosure / predatory lending/ forced home owners insurance, lets start XX/XX/XXXX, wells fargo bank say i missed 3 consecative mortgage paymants, that is a bare faced lie, i have all the proof of paymants international wire transfers, recieved and cashed by wells fargo bank, i was over paying on my monthlly paymant incureing a over paymant in excess of a {$1000.00} credit also my escrow acount was in credit of over {$5000.00} credit .for taxes and insurances paid, This is what wells fargo bank .Fraudulently did, They started forclosure preseedings, stating i was 3 paymants in arears, Then closed my escrow acount sending XXXX large checks to my insurance company, totaling {$5000.00} insurance was already paid for the year,? This deceptive act was deliberate act to deceive and deprieve .knowingly that the insurance company will send back the XXXX checks to the bank, wells fargo then fed the funds fradulently back into a closed escrow acount, the wells fargo fradulently made the amounts look like they were older paymants, they call this cooking the books? There were no missed paymants mortgage acount in credit of {$1000.00} when they refused paymant saying acount closed in forclosure and escrow acount in credit {$5000.00} on this day XX/XX/XXXX There was no grounds for forclosure in credit of {$6000.00}, also wells fago have a co signed insurance check for damage i had repaired for {$2500.00} that make my acount in credit forover $ {$8500.00} credit no grounds for froudulent forclosure, as a consumer why have i not been treated equal to americans, preadatory lending XX/XX/XXXX lending 50 % 0f house value {$520000.00} loan amount {$250000.00} Then forclose this is organised crime act of lending please explane why wells fargo bank have not been brought to justice for fraud and perjury committed between XX/XX/XXXX to XX/XX/XXXX crooks
Product: Credit card

I am requesting information from capital one concerning the billing error act about the late payments from XXXX - XX/XX/year> should be updated to paid as agreed, never late, per 15 usc 1666b and i am requesting my payment of XXXX to be sent to me for any amount over XXXX XXXX per 15 usc 1666d.also i am attaching my complaint letter as well
Product: Checking or savings account

Numerous transfers with my account to another party that I have no affiliation with.     I contacted bank of america and clearly they did not do their due diligence. They clearly did n't verify any information between me and this individual. Bank of america remained unable to be contacted even after I called numerous times for an update. I want all quick pays sent to   XXXX   refunded back to me {$1300.00}. I do n't know this individual as I explained to Bank of america. In addition, I have also filed a police report.  XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXXEntered loan modification agreement process. Made on-time monthly payments to satisfy modification agreement. 

XXXX XXXX Made on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. 

XXXX XXXX-Made on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. 

XXXX XXXXMade on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. 

XXXX XXXX XXXX Made on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. Was also told I would have online access to pay my mortgage in XX/XX/XXXX. XXXX came and went, I did not have access to make online payments or access to see current loan documents online. I requested documents to be sent to me. They were never sent. 

XXXX XXXX I made my monthly payment and inquired about payoff documents being sent to me and current balance on loan. I was told the modification documents were still being reviewed and were not available. I inquired about my year XXXX 1098. I was told I would have to wait because the loss department did not handle sending out 1098s. 

XXXX XXXX I made my online payment and inquired about documents I requested. Upon being told I would have to wait for the documents, I sent LoanCare two certified letters and two regular mailed letters inquiring about the status of my mortgage and my 1098. By now, I could see my online account but all documents were not current, last year posted any payment was XXXX. I called LoanCare the third week of XX/XX/XXXX inquiring about my online account and my XXXX 1098 for taxes. I was told the representative was sending another email to her supervisor alerting them to my concern. I told the representative that I had been getting the same message about my account for more than a year. I was put on hold, then told LoanCare was sending out additional documents for me to sign due to an error they typed on the documents sent to me a year, XXXX, earlier. I was informed that the documents had not been mailed as of that date.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Portfolio Recovery for reporting an unverified collection account on my credit report. I was never notified of this alleged debt, and I do not believe it is accurate. There is inconsistent information such as the open date. How can XXXX report that this account was opened XX/XX/XXXX while XXXX reports XX/XX/XXXX. The date last active is also incorrect with XXXX reporting XX/XX/XXXX, but this account has not been active in years. Furthermore, the statute of limitations has past for this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of this debt, but XXXX XXXX has failed to provide : An explanation of the alleged account balance. A complete payment history and audit trail proving the amount is accurate. Documentation showing I agreed to this debt and authorized its reporting. Proof of legal authority to collect in my state, including their state license. A master bill of sale, purchase agreement, and chain of custody for the debt. Additionally, XXXX XXXX has violated the FDCPA and the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information, failing to validate the debt, and engaging in deceptive practices that harm my reputation. I demand immediate removal of this account from my credit report. If the account is not removed or properly validated within 15 days, I will pursue litigation for damages of {$1000.00} per violation, as allowed under 15 U.S. Code 1692k. I have also submitted this complaint to my State Attorney General 's Office and the XXXX XXXX XXXX  for further action.
Product: Credit card or prepaid card

Credit Karma, on multiple occasions, has told me I was guaranteed approval for credit card or they would pay me I think it was {$50.00}, and that my credit would not be affected. Neither of those things turned out to be true. I was denied for cards I was pre-approved for, ruining my credit. I was never offered {$50.00} or anything else for that matter. This has happened 3 times.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX Hunter Warfield, 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 an 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

on XXXX syncblowes XXXX got a copy of my XXXX report without my conset i did not try to appy for anything with you guys please remove from my report also im requesting evidence of how this inqury was mine
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THE NEXT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX
Product: Bank account or service

Chase flagged my account as fraud/ Abuse with XXXX. Now I can not open an account anywhere and I am a XXXX veteran who only recieves XXXX pay. This has caused me more hardship.
Product: Credit reporting or other personal consumer reports

I have been disputing the account with XXXX XXXX XXXX XXXX XXXX for over a year and a half now. I have repeatedly asked them to validate this debt and they have refused to move. I have also disputed this account with all 3 credit bureaus and only XXXX has taken action to remove this debt from my account after I have filed an FTC report on this account. When this debt was open, I was unfamiliar with a credit report or things being placed on my credit report. I am a victim of identity theft and have tried to explain that to this company, yet they have failed to acknowledge the FTC report and other documents that I have sent to them concerning this account. 
I am attaching the FTC report again, so that they can see and that I am acknowledging that this account does not belong to me.
Product: Debt collection

I am filing this complaint against Caine & Weiner for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Despite my request to cease and desist all communications regarding the alleged debt associated with account number [ XXXX ], Caine & Weiner has continued to report this debt to consumer reporting agencies, in violation of the FDCPA. 

Details of the Dispute : Cease and Desist Request : On XX/XX/XXXX, I sent a formal cease and desist letter to Caine & Weiner, demanding that they cease all communications with me regarding the alleged debt and remove any references to this debt from my consumer credit reports. Under the FDCPA, a " communication '' is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium, '' which includes consumer credit reports. 

Violation of FDCPA : Caine & Weiner has continued to report this alleged debt to consumer reporting agencies despite my cease and desist request. This is a clear violation of the FDCPA. The case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), supports the interpretation that communications made by debt collectors to consumer reporting agencies are subject to the FDCPA 's restrictions. Additionally, in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ), the court recognized that a consumer report is a medium of communication, thus making it subject to the same restrictions as other forms of communication under the FDCPA. 

Harm to Credit Profile : The continued reporting of this debt by Caine & Weiner has caused unnecessary harm to my credit profile and financial well-being. This action has negatively impacted my credit score and my ability to access credit. 

Requested Resolution : Deletion from Consumer Reports : Require Caine & Weiner to immediately delete all references to this alleged debt from my consumer credit reports with all credit reporting agencies. 

Investigate : Conduct an investigation into Caine & Weiner 's practices to ensure compliance with the FDCPA.

Cease Reporting : Require Caine & Weiner to immediately cease reporting this alleged debt to any consumer reporting agencies and to remove any previous reports they have made. 

Ensure Compliance : Ensure that Caine & Weiner adheres to the FDCPA 's restrictions on communication, including communications made through consumer credit reports. 

Supporting Documents : I have attached a copy of my cease and desist letter to Caine & Weiner, as well as any relevant correspondence and documentation. 

Conclusion : Caine & Weiner 's continued reporting of this debt, despite my clear request to cease and desist, constitutes a violation of federal law. I seek the CFPB 's assistance in rectifying this situation and holding Caine & Weiner accountable for their failure to comply with the FDCPA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I received a letter dated XX/XX/ from Opportun Visa Credit Card issued by XXXX in regards to my account ending in XXXX. The letter advised my account was closed due to inactivity. The account was open 148 days. I opened the account XX/XX/3 and it was closed XX/XX/. I am demanding this account be re-opened or will pursue legal action against the creditor. They should as a courtesy send a reminder letter ( as most creditors do ) that the account will close in so many days if the account isn't used. This account wasn't even open 6 or 5 months, and now its going to be affecting me in a negative way on my credit report - will report as account closed by credit grantor ; which makes it look bad on me to other creditors and lenders. I called customer service and they say is that I can re-apply for another account when i get another invite, in which they don't know when that will be. I disagree with this whole mess they caused. I don't care what Section 32 states about closing or suspending an account. This creditor is a subprime lender that preys on customers with low credit scores and bad credit. Since I don't fit that criteria of a low credit score or bad credit, they take advantage of me by closing my account to hurt my credit by closing it with it only being not open not just 5 months. I want something done about this and the account back to the way it was. I am not, will not, and will not accept NO or there is nothing we can do as an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I opened a personal loan for {$4500.00} with XXXX XXXX XXXX. In XXXX, I had that same loan with XXXX XXXX XXXX increased into a new loan amount of {$9000.00}. In XX/XX/XXXX, I then applied for them to convert that personal loan into a line of credit and it was increased to {$11000.00}. 

In XX/XX/XXXX, I lost my job and by the end of XXXX became unable to keep up with payments with XXXX  XXXX XXXX leaving an outstanding debt of {$7000.00} from the line of credit I had established with them in XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXXXXXX XXXX " charged off '' the account but then XXXX  XXXX XXXX took the outstanding debt of {$7000.00} they charged off and created it as another NEW line of credit and reports it as a new line of credit on my report as of XX/XX/XXXX. Last week I had an agency, whom I gave temporary power of attorney, to contact XXXX  XXXX XXXX to discuss the credit and to negotiate a settlement. XXXX XXXX did release some information, however, they were unwilling to have a conversation or to provide information on how the debt owned was converted to a new line of credit established in XXXX as it appears on my credit report. 

How can a new line of credit be established as new credit in XXXX and it is not? It was given a new account number as well. 
Can XXXX XXXXXXXX XXXX do this to keep the negative account information " fresh ''?
Product: Credit reporting or other personal consumer reports

I recently applied for credit to purchase a vehicle. I was denied because I had a debt/collection item on my credit report. I contacted the collection agency and was told for {$370.00} they could tell me why I was reported. 

I could not get a positive response from the person I talked to on the phone. 

I was told that the only way I could get the dispute resolved was if I paid them cash money. I have absolutely no idea what this collection item is, and the agency will not tell me unless I pay them money. Really? 

Credence Resource Management The number I called is XXXX Date called is XX/XX/year>. 

Again, when I called that number, I was told I had to pay to get information as to why they filed a collection against me. I am still at a loss as to what I would owe or who I would owe it to. 

This has caused me financial loss and credit declines due to this companies practices. 

I would appreciate a reply. 

XXXX XXXX Thank you in advance. 

XXXX
Product: Debt collection

On XX/XX/XXXX, I reached out to US Bank regarding an account showing on my credit profile. The account has a balance of {$170.00} and I would like to pay the account in full. Every month, this accounts reports as 90 days delinquent, completely destroying any hopes for rebuilding my credit portfolio. 

In a hot potato phone style, I was finally passed along to a manager in the recoveries department. The manager advised she was unable to accept my payment as " Mississippi State law limits how long I can be sued on a debt ''. I asked for clarity and why it has continued to be reported every month as 90 days past due if legally they can not accept my payment. She advised she was unable to do anything and provided the numbers to all three Credit Bureaus. I reached out to XXXX and they advised they can not do anything and the account will fall off in XX/XX/2022.
Product: Credit card or prepaid card

All of my credit and bank cards were stolen from my wallet on XX/XX/2023. Five cards, two credit cards, two bank cards, and one prepaid DirectExpress debit card. I am the recipient payee for my XXXX son 's XXXX benefits, so the card is in my name. As soon as someone attempted to use the cards, I received text notifications from four of the cards, saying it was suspicious activity. I responded to all of the texts saying that I has not authorized the charges and reported the cards as stolen. All I got from Direct Express was the fact that purchases had been made, with no option to reply in text to decline the charge. 

I called Direct Express immediately to report the card as stolen, and I was told that they could cancel the card, but that I would have to call back on the next business day ( XX/XX/XXXX ) to dispute the charges. I did that, and was sent an email form for each of the two charges, which I immediately sent back with all the information they requested. The next day, I received an email back saying that " no error was found '' and that they would not credit the amounts back to the account, and that they considered the matter resolved. No additional explanation was given. 

There was a phone number on the email, under " Dispute Resolution '', which I called, and out turned out to be their regular customer service number, where I was told that there is no direct phone number to the dispute resolution team, and that their decision is final. Naturally, I was angry, and they hung up on me. Twice. They offered no explanation for why they didn't credit the stolen funds back to my account, and no further ways to protest, no escalation option, no other numbers to call.
Product: Mortgage

Ocwen Loan Servicing is the most difficult company to communicate with I have ever had any dealings with. I email them and get no response. If you call and someone should answer you must make an appointment with a rep of the company to call you back in two or three weeks. If you manage to have the discussion with the ocwen rep you wo n't be able to understand a word of the conversation because they barely speak english. That is absurd. What does it take to get a simple answer to simple questions. It is as though they do not care nor do they want to be of any service to their customers. I did not choose them as my mortgage company my loan was apparently bought and sold a few times and they are what I wound up with. Terrible.