23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My name is XXXX XXXX and I am filing this complaint in the name of XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX She is XXXX XXXX XXXX with signs of XXXX and XXXX  related XXXX XXXX. She and my brother were married over 40 years when in XXXX of 2021 both got XXXX. My brother died, his wife survived XXXX bouts of XXXX and nervous breakdowns. She is unable to XXXXXXXX XXXX XXXX and will often forget vital information when anxious such as her address and name. She is currently receiving social security assistance due to her diagnosis. 
While she has family she has no estate and income other than government assistance. On her behalf, I tried to resolve the debt 's left by my brother after he passed and asked capital one to stop harassing her with daily phone calls and threatening letters and calls. She just does not have the money to pay them back and while I am prepared to go to court if they attempt to sue her, I am concerned at the price she will pay emotionally if subjected to court action. 

currently, she receives food stamps, daily XXXX assistance from social security, Medication for XXXX  XXXX stability and other medication to address XXXX  and other health problems.
Product: Mortgage

On XX/XX/XXXX, I contacted 21st Mortgage to inquire about payoff. I was given a payoff amount of {$11000.00}. A payment was due on this account on XX/XX/XXXX. I was told this payment was not included and that making the payment on XX/XX/XXXX would save the amount of the payment due XX/XX/XXXX. I paid the account in full on XX/XX/XXXX in order to save the {$280.00} payment per quote and was informed that this payment would not draft as account was paid in full. On XX/XX/XXXX, a payment for {$280.00} drafted from my account. I contacted 21st Mortgage at this time and was told it was an error and that I would be refunded by check. On XX/XX/XXXX, I received a check for {$40.00}. I contacted 21st Mortgage at this time. They now state that the payment was due after the account was paid in full and that it was an error on their part. They will not, however, issue any refund.
Product: Debt collection

After reviewing my XXXX, and XXXX  credit report 's I noticed a collection account being reported by a company called convergent outsourcing inc . I have no recollection of ever having an account with the company in question. After searching all of my files and records I was not able to find any records or documents connecting me with the company. 
On XX/XX/XXXX I reached out to the company per certified mail requesting documentation that would show proof that I did indeed owed the allege debt. The company responded by mail on XX/XX/XXXX by mail with XXXX different bills one for {$440.00} dated XX/XX/XXXX and one for {$180.00} dated XX/XX/XXXX and the other only ten days apart for {$340.00} dated XX/XX/XXXX. The company has several late and extra fees listed on the documents that were sent. I am reaching out for help to have this negative inaccurate account removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Experian XXXX XXXX XXXX Acct # XXXX Reinvestigation request As of XX/XX/XXXX to present, XXXX has reported inaccurate account information including the following ; XXXX the date of first delinquency as XX/XX/XXXX, ( the actual date is XX/XX/XXXX ), XXXX failed to report the date the account open, the date the account closed, XXXX the amount of the debt of {$950.00}, is inaccurate, the alleged amount owed involves XXXX XXXXXXXX Reading of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00}, XXXX. ( the payment history XXXX and the purge date of XX/XX/XXXX is inaccurate, it should be XX/XX/XXXX XXXX XXXX the alleged debt owed is {$950.00}, this is false. XXXX combined the total dollar amount of XXXX medical accounts, {$180.00}, {$380.00} and {$380.00} into a total amount of {$950.00} in order to report the one account due to the one account totaling more than {$500.00}. 
Please delete this account information. I'm requesting a phone call to conference a call with the third-party billing company to confirm the information herein. 
During a recorded call on or about XX/XX/XXXX, XXXX, an employee of XXXX XXXX, assigned to the XXXX XXXX, who specifically handles billing for XXXX XXXXXXXX XXXX XXXX XXXX XXXX  informed Plaintiff that XXXX XXXX billed Plaintiff for the reading of three separate accounts involving XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ; XXXX Reading of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting to follow up on the matter of several remaining fraudulent inquiries that I have diligently disputed on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 605b, credit reporting agencies are mandated to remove and block any inquiries or items listed on an identity theft report. I am requesting your assistance in ensuring the removal of the following fraudulent inquiries from my credit reports : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to update my credit reports within a 15-day timeframe and expected these remaining five fraudulent inquiries to be expeditiously removed as per FCRA guidelines .
Product: Checking or savings account

Citibank put a block on the account that ends on XXXX because they said that someone was trying to access my checking account. Not, only did they put a block on the account but also removed my login credentials. 

Even though the account was blocked Citibank accepted and XXXX deposit from my employer XXXX XXXX on XX/XX/XXXX. The deposit from my employer was in the amount of {$850.00}. I contacted Citibank regarding getting my money back since they were not supposed to accept the deposit in the first place but rejected. 
I was told by Citibank that they could not verify my identity even though I gave them my social security number, date of birth, phone number, email accounts, current and previous home address. They insisted that they could not verify my identity or tell me exactly what was it that they were looking at. Then, Citibank told me that I was going to receive a letter with a reference number. This was back in XX/XX/XXXX at which time and out of a lot of frustration, I decided to wait for the letter with the reference number to come. It was the first week in XX/XX/XXXX and the letter never came.. I filed a complaint with the XXXX  on XX/XX/XXXX. The complaint number is XXXX. On XX/XX/XXXX a Citibank representative contacted me by phone and assured me that she was going to make sure the letter was sent out to me. 
I contacted the XXXX  letting them know what the lady told me and to close my complaint. The letter never came so I called the Citibank fraud department again and again was told the same the letter will be sent out. 
I finally received the letter call Citibank and gave them the reference number and they had the audacity to tell me that I was going to have to call back because they couldn't verify my identity even with the reference number they sent me or even the code the representative sent to my cellphone. I had been on the phone today 4 times with different representatives that acted as if it was the first time they heard about this issue. Right now it is XX/XX/XXXX and I have been on the phone with XXXX for an hour and 32 minutes trying to resolve this issue. 
At this point I asked the Citibank representative XXXX that I want to close the account and get my money back and I am still waiting on hold for the account to be closed. The thing that really aggravates me is the fact that they are taking fees out of the account. 
I hope you are able to help me because this is very frustrating and a waste of time. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified an account that is being inaccurately reported. It reflects XXXX late payments, but I made these payments on time. Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure the accuracy of the information they report. 

This account has never been late, and Ive attached a copy of my credit report highlighting the errors. The dates in question are XX/XX/XXXX and XX/XX/XXXX I am requesting that you investigate this matter and provide records to verify the alleged late payments. If you can not verify these, I expect the account to be promptly updated to reflect the on-time payments. 

Thank you for your immediate attention to this issue.
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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : 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

On XX/XX/21 I sent a letter regarding inaccurate and unknown items on my credit report to this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, that time has lapsed so they should be deleted promptly. I demand this inaccurate information be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the equifax data breach and may gotten in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a dispute to XXXX  with evidence, proving Citibank accounts ending in " XXXX '' & " XXXX '' were paid in full. Citibank responded to these disputes stating these accounts were " unpaid '' and the receipts were illegible. Therefore, I resubmitted these receipts and contacted XXXX, and requested for these receipts to be re-presented again to Citibank. Afterwards, on XX/XX/2020, I inquired about status this investigation, and I was informed only one account " XXXX '' was updated to " paid in full. '' I have contacted XXXX  several times, until XX/XX/2020 two more investigations were opened and as of today still no results. I do believe XXXX  has thoroughly investigated because proof of receipt or paid in full status was provided twice. XXXX  has refused to have a conference call with Citibank, therefore, I did not have a choice but to file a compliant.
Product: Mortgage

Original mortgage [ XX/XX/XXXX ], refinanced with WELLS FARGO on XX/XX/XXXX. 
Mortgage summary is as followed- 1- Loan Term : 30yrs.

2- Interest Rate : 6 %. 

3- [ Initial ] Outstanding Principal : $ XXXX. 

4- Current Outstanding Principal Balance : {$220000.00}. 

5- Current Monthly Mortgage payment : {$2600.00}. 

6- Current Monthly Interest payment : {$1100.00}. 

7-  Current Monthly Principal payment : {$760.00} 8- Current Net Monthly Escrow payment : {$760.00}. 

9- CURRENT TOTAL PAYMENT AMOUNT : {$2600.00} A- The issues of CONSTRUCTIVE FRAUD ; NEGATIVE EQUITY & NEGATIVE AMORTIZATION were raised by " mortgagor '' when he conducted some routine arithmetical calculations using the interest rate of 6 %, and the [ INITIAL ] outstanding principal balance to arrive at actual monthly principal payments of ( {$870.00} ). 

B- The discrepancy discovered, was in the comparative principal amount WELLS FARGO assigned to mortgagor 's monthly mortgage payments, AND the formulaic arithmetical calculations used to arrive at the natural monthly principal payments .... namely ; 1- [ former ] Outstanding Principal : $ XXXX ..... DIVIDED BY ... .... 

2- Loan Term : 30yrs ..... DIVIDED BY ... ... 12 months ... .equals {$870.00}. 


C- Resulting from the above ( formulaic mathematical calculation ), " mortgagor '' found that when comparing the result to WELLS FARGO 's assigned monthly ( principal ) mortgage payments. An event of " negative amortization & negative equity '' resulted. 

As the lesser of the two comparable principals was assigned to " mortgagor ' '' s monthly payments by Wells Fargo. Where said monthly payments " arbitrarily '' calculated and assigned by WELLS FARGO, enriches themselves by way of excessive interest payments and longer loan terms etc. 

In Summary, the " amortization schedule '' as of XX/XX/XXXX, being the very first principal payment. Is skewed, deeply abbreviated and discounted to the result of {$310.00} ( instead of {$870.00} ). Resulting in the conspicuous NEGATIVE EQUITY, due to the difference of {$550.00}, resulting from the discrepancy between the FALSE Wells Fargo amortization schedule 's PRINCIPAL PAYMENT ( {$310.00} ), and the genuine/orthodox, formulaic arithmetical result of {$870.00}. 

The " constructive fraud '' emerges here and in other places, but for the sake of brevity. 

The difference of {$550.00} resulting from the discrepancy between the two contravening and conflicting " monthly payments '' ... vis-a-vis.. Wells Fargo 's amortization schedule , and the Arithmetical Formulaic monthly payments . 

The discrepancy amount ... {$550.00}, is then kicked back by Wells Fargo to the initial OUTSTANDING PRINCIPAL, thereby fraudulently enriching Wells Fargo by way of astronomical future Interest Payments and further extending the terms of the loan, to the detriment of XXXX XXXX, by way of NEGATIVE EQUITY ; NEGATIVE AMORTIZATION... etc.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

TransUnion LLC has downgraded my credit score because of a collection account in my name. However, I called the collector and my birthday, social security number and address are all different than the information they have on file. TransUnion claimed they investigated and found that I was the delinquent party. XXXX with TransUnion told me to file a complaint with the FTC, so here I am. This debt does not belong to me. TransUnion claims I owe {$2700.00} to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I also called them, and they have never heard of me. Also, they don't even service this area. I filed my first dispute with TransUnion XXXX XXXX. My latest phone calls were today XX/XX/XXXX.
Product: Credit card

XX/XX/year> received call from XXXXXXXX XXXX at XXXX pm, telling me that someone applied for a chase card from XXXX XXXX. Caller had my name and ss number but wanted more info to cancel request. I hung up. At XXXXXXXX XXXX same person called back and asked for more info to cancel it. This time the call was from teas. I was given a case number of XXXX and transfered to CFPB. That person wanted more info and already knew which credit cards I had. He wanted to confirm the numbers and expiration date. I refused to give him that. He hung when I asked where he was born. Both callers had thick accents and diificult to understand.
Product: Bank account or service

I had a check written out to me from an account holder of the Bank of America. I went to the XXXX Va branch. I was informed I would have to wait until the line for account holders was empty. As this was an improbability on a Friday afternoon. I asked for the bank manager. I stated it might be tomorrow before that happened, she said that was the policy. Also the fee of XXXX dollars to cash a check works out to be XXXX dollars an hour based on the time it took to cash the check I had. This seems exorbitant as the employees at the bank are there if I come in to cash a check or not! Also I was told by a company Rep that she would investigate and get back to me, it have been well over a week and no response!
Product: Credit card or prepaid card

This is a follow up on a previous case ( XXXX ) against XXXX XXXX. XXXX never reimbursed me for an overcharged amount on a purchased flight even though they admitted they overcharged me. 

Capital One knowingly allowed XXXX XXXX to rebill me the exact same overcharged amount when they knew through documentation that XXXX admitted on email correspondence they overcharged me. I contacted Capital One on this and they keep putting me off telling me they don't know when they will be able to get back to me on this matter. This is not acceptable. I have been an outstanding customer, with a near perfect credit rating.
Product: Credit card or prepaid card

The annual fee of {$95.00} for the card was billed on XX/XX/XXXX. Chase decided to close my account on XX/XX/XXXX. The year for which the card is being billed was never used and, furthermore, if I cancelled the card by XX/XX/XXXX, Chase would have voluntarily ( they admit ) refunded the annual fee. However, because Chase decided to close the card, they insist that the fee can not be refunded and that I owe them for a year 's fee for a card that I don't have.
Product: Credit card or prepaid card

As of XX/XX/2022, I checked my credit profile and noticed a credit card account for Barclay. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.
Product: Checking or savings account

Chase Bank was owned by XXXX XXXX my trust # XXXX XXXX XXXX XXXX XXXX XXXX bin number XXXX account information XXXX and XXXX keep stealing from account when ask they say closed it I have to find third party bank I did that XXXX XXXX account XXXX money stolen from accounts Chase said they sent to XXXX savings account ordered check 's from checks for less they said that's who stole account order number XXXX please can't even buy food for my kids stolen accounts and trust from XXXX payment system bill pay please I fired them please tell them to release my accounts victim of domestic abuse XXXX payment system XXXX accounts please help can't feed kids
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I sent a letter to Equifax disputing inaccuracies on my credit report. I still haven't received any notification. I also sent in a comply letter in hopes of an update but to no avail I didn't get a response.
Product: Mortgage

To whom it may concern : I have reached out to my lender for help and they continue misplace my documents. This is my third time submitting the same documents over to them and I don't know what is going on with their intake processing team. I am looking for help and not another excuse from that they never received it when documents are being submitted to the correct email address they provided ; XXXX XXXX
Product: Debt collection

I am writing to inform you that Levy & Associates , LLC, a debt collector, has violated the Fair Credit Reporting Act ( FCRA ) in their efforts to collect a debt from me. 

According to previous court orders, the amount of debt owed is {$2800.00} to XXXX, and I am required to pay this amount directly to Levy & Associates , LLC. However, in their latest correspondence, Levy & Associates , LLC advised me to use a third party to schedule payment for the debt. This violates the court orders and is a violation of section 611 of the FCRA, which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Furthermore, Levy & Associates , LLC has stated that the amount owed is {$2800.00} in their latest correspondence, a discrepancy of {$27.00}. This violation of the accuracy requirement under section 623 of the FCRA is compounded by the fact that Levy & Associates , LLC has failed to provide me with the necessary file number and other important information, as agreed upon in the closing letter dated XX/XX/2022 with XXXX XXXX Municipal Court. This lack of transparency and disregard for court orders is a further violation of section 611 of the FCRA. 

In addition, Levy & Associates , LLC has contacted me directly instead of my attorney, who has been designated as my representative in this matter. This violates section 805 ( b ) of the FCRA, which prohibits debt collectors from communicating with a consumer in connection with the collection of any debt if the debt collector knows that the consumer is represented by an attorney with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are about 6 inquiries on my credit report that I am not familiar with. I did not approve these inquiries, nor do I have a card for these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX