23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I just found out that there are XXXX liens on my primary residence by a creditor named XXXX. 
The debt was for a rental house that was foreclosed on back in 2012. I hired a law firm from XXXX XXXX to do a loan modification to save rental. Turns out the lawyer was a scam artist that has been disbarred by the state bar of calif. 
I not only lost money to this law firm, but lost my house. I have no idea who this XXXX is or how they were able to file a lien on my primary residence for approx $ XXXX and another one for approx XXXX. 
I need your help in resolving this matter and find out how this could happen.
Product: Mortgage

XX/XX/XXXX or XX/XX/2016 we contacted Churchill Mortgage ( recommended by XXXX XXXX ) and asked about a refi of our house while rates were down. We explained upfront that we had a prior Ch. XXXX Bankruptcy that was over 2 years discharged and included a property that was surrendered and foreclosed. They said that was not an issue and that they could handle the loan. We proceeded to spend 2.5 months trying to get a rate lock and confirmation from them ; I have attached SOME of the very many, many emails. First they tried to force us to sign an application ( filled out by them ) that had incorrect information including my incorrect name, job, loans- I refused to sign a false document even though they pressed me to and said it did n't matter. Finally they agreed to let me fix the errors. Then they repeatedly asked for documents which we sent multiple times via multiple avenues ( email ; fax ) ; they kept losing them, kept requesting them ; finally they said they could get them in-house ; then they said they could not. We were told so many times that they had everything only to come back needing some document we had already sent. They dragged this on for so long that rates have gone up and now they simply wo n't communicate with us at all. We want a refund of the approximately XXXX $ they charged us for a credit check and they should, in our opinion, pay us some kind of damages for leading us down a path when we now can not get the 3.65 % ( approx ) rate that they said we would get when this started! What kind of damages is that if they wo n't close the loan at the original rate told to us?? Furthermore, they do n't even know the XXXX loan laws! They have known for months that the ( old ) property at issue was part of a BK surrender/foreclosure- but they ca n't seem to read BK documents, Orders, discharges, and deeds to see what happened and are NOW, 2.5 months LATER telling us it appears we have to wait 7 years post foreclosure? No, that is not the law! These people are incredibly disorganized, poor communicators, if not outright fraudsters. We have lost months of finding a lower rate loan due to their continued promises that all was well. Now they have simply shut down communicating. We want this closed at the original rate told! Please see attached emails which are a small portion of many.
Product: Checking or savings account

Since opening my account with CitiBank N.A. I have had nothing but issues, First, I was told I could Not have a debit card because the account was too new, but instead could have an ATM card to access cash when I needed it. 3 days later I got a debit card ... Now this morning XX/XX/XXXX I log into my online account to check my direct deposit and current balance, and Im XXXX short compared to what I should have in my account. When I called Citi Priority to ask what is going on, I was told I was overdrawn. I went to sleep last night with a positive balance, and managed to spend money while I was asleep ... asked for a supervisor who said that in " Overnight processing our system gets a little crazy and that is not your accurate balance '' I work for a bank ... ..And I have never EVER heard a representative openly tell a customer this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with Nationstar dba Mr. Cooper. Back in XX/XX/2021 they forced placed insurance on my loan while I had insurance. I provided them with the evidence of insurance to show that I did not have a gap in my insurance. I thought the matter was resolved and continued with my regular scheduled payment. My payments are all sent to them directly each month from my Bank. 

For some reason, In the month of XXXX they reversed several of my payments for the erroneously forced placed insurance and placed everything into a suspense account. 

I got on the phone with them again and thought the issue was resolved as they undid everything and reapplied all the payments but in the process ended up incorrectly reporting me 30 days late for XX/XX/2021. 

I was never late and always had insurance. I always paid the payment and made the payment for more than the minimum required amount. 

I have been trying to resolve this issue with them for a week now and keep getting the run around. I am in the middle of a real estate transaction that has come to a complete halt because of their erroneous late payment.
Product: Prepaid card

I have two AMEX prepaid gift cards. XXXX ( {$100.00} ) was given to me XXXX of XXXX. 
The other was given to me XXXX of XXXX ( also {$100.00} ). I was able to use most of the XXXX card but then ran into problems with any business accepting it. When I try to check balance on AMEX website, it doesn't accept my card information because they ask for a four digit pin and my cards have three digit pins. I called AMEX today ( XX/XX/XXXX ), started speaking to a person and as soon as I started giving the card number they immediately transferred me ( didn't give me time to question ) and put me back into automated system that asks for information my cards don't have. I don't understand why it is so hard to find card balance, why AMEX website doesn't accept my card information and why a phone call didn't get me the information I needed. It seems AMEX doesn't want people to use full value of cards and doesn't offer real customer service to help with the use of their cards. Any help letting the company know how un-customer friendly they are is appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

PROBLEM CASE 1 XXXX The account was opened XX/XX/XXXX for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement. I tried to resolve it for over 1 year. The credit reporting agencies keep on reporting it as Paid, was a charge-off despite that the account was paid in full not charge off ( SEE ATTACHED ). Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. The creditor sent a letter to confirm that I made full payment to the creditor to CFPB dated XX/XX/XXXX. See below detail Re : Your XXXX Charge Account ending in XXXX XXXX XXXX Case : XXXX CFPB Case No. : XXXX The creditor agencies reported in my payment status as paid, charge off not paid in full as per attached letter from XXXX. Please can you step in to help me resolve this problem which over 3 years now. <P/>PROBLEM CASE 2 ( Length of credit history ) My credit report from XXXX XXXX XXXX XXXX  open XX/XX/XXXX as per attachment is missing some of my credit transactions including my Mortgage for my first home in XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. As a result, my credit report that has result in the credit length reduce over 19 years from 29 years+ to 10 years. The credit reporting agency need to fix the length of my credit history.
Product: Checking or savings account

On XX/XX/year> I opened a U.S. Bank business checking account ending in XXXX using promo code XXXX to earn a {$800.00} business checking bonus. I selected e-statements as my preference for document delivery. On XX/XX/year> I was charged a service charge for paper documents. This shouldnt have happened because I did enroll in e-statements and was enrolled at the time of the fee. The {$6.00} fee put me below the minimum daily balance of {$30000.00} to qualify for the {$800.00} business checking bonus. Im requesting to be paid the {$800.00} business checking bonus because without this erroneous fee, I completed the deposit ( s ) of at least {$30000.00} in new money within 30 days of account opening and thereafter maintained a daily balance of at least {$30000.00} until the XXXX day after account opening. Thank you and be well.
Product: Checking or savings account

On XX/XX/year>, I receive an email informing me that my savings account with Upgrade Inc. was suspended for unexpected activity. The email instructed me to contact customer service to resolve the suspension. I did not require access to the funds at that time, however, I required access to the funds later and attempted to call them to resolve the suspension. They told me over the phone that I had to wait for an email instructing me on next steps. I informed them that I had received said email and it instructed me to contact their customer service line to resolve the suspension. They told me I had to wait for another email containing next steps. They then stated that they had no additional information and could give me no timeframe as to when I may receive this email or when the funds in this account would be accessible. I then contacted another customer service representative via the chat function on their website who told me the same thing, that they had no information on the reason for the suspension, the timeline for the suspension resolution, or my ability to access these funds. They told me that I would not be able to access these funds until the suspension was resolved and that I would receive an email with next steps for resolving the suspension. They did not know a timeline for when I would receive said email nor did they have in their records the email that I originally received on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, is reported as charge off or collection and can not continuously report multiple delinquencies, late payments, in which the account has reported after its closure dates, is inaccurate according to section FCRA 623.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX XXXX XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

I HAVE SENT THEM NUMEROUS CERTIFIED LETTERS REQUESTING VALIDITY OF THE DEBT THAT IS STATED I OWE ON MY CREDIT REPORT FOR THE AMOUNT OF {$2400.00}. I'VE SENT THEM LETTERS IN XXXX, XXXX, XXXX, AND XXXX. THEY WERE REPORTING TO ALL THREE CREDIT BUREAUS INITIALLY, BUT IN XXXX THEY ONLY REPORT TO XXXX. I HAVE TRIED NUMEROUS TIMES TO SPEAK WITH THEM AND THEY HAVE FAILED TO RESPOND TO MY ANY MORE OF MY LETTERS.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report I noticed several inquires on my report in which I did not authorize. There is a Security Freeze on my accounts which states the following ; " Before issuing credit, call me at XXXX. This process was not done.I was not called.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX Capital One Bank Credit Card Fraud Department CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Dispute of Fraudulent Credit Card Accounts on My Credit Report Dear Sir/Madam, I am writing to bring your attention to a matter of utmost importance regarding my credit report and the presence of two credit card accounts that were opened without my knowledge or authorization. I have discovered these accounts on my credit report and believe them to be the result of fraudulent activity. 

The details of the fraudulent credit card accounts are as follows : XXXX. Account Information : Account Holder Name : XXXX XXXX Credit Card Issuer : Capital One Bank Account Number : UNKOWN LAST 4 SS # XXXX Open Date : XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) XXXX. Account Information : Account Holder Name : XXXX XXXXXXXX XXXX XXXX Issuer : Capital One Bank Account Number : UNKOWN LAST 4 SS # XXXX Open Date : XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) I want to emphasize that I was not aware of the existence of these accounts, nor did I provide any consent or authorization for their opening. During the periods mentioned above, I was XXXX  from XX/XX/XXXX to XX/XX/XXXX, which makes it impossible for me to have initiated or authorized these credit card applications. This strongly suggests that these accounts were fraudulently opened in my name. 

I have already taken the necessary steps to contact Capital One Bank multiple times, informing them of the fraudulent nature of these accounts. However, the matter has not been resolved satisfactorily, and these accounts still appear on my credit report, causing significant distress and potentially damaging my creditworthiness. 

As a consumer protected under the provisions of Penal Law 15 U.S.C. 1681, Section 6048, Section 2, I assert my rights to fair and accurate credit reporting practices. Furthermore, I refer to Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ), which grants me the right to dispute any inaccurate or unfair information present on my credit reports. Given the circumstances, I request your immediate assistance in rectifying this issue by removing these fraudulent credit card accounts from my credit report. 

I have enclosed supporting documentation, including proof of my XXXX during the periods when these accounts were allegedly opened. This evidence serves to establish the impossibility of my involvement in the fraudulent activities. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove these fraudulent accounts from my credit report. It is crucial that my credit report accurately reflects my financial history and protects my rights as a consumer. 

Please provide written confirmation once these accounts have been removed from my credit report. I appreciate your immediate attention to this matter and your cooperation in resolving it as soon as possible. 

Thank you for your understanding and cooperation. 

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

According to the FFCRA these companies are in serious violations and should not be on my consumer reports. 

1 ) Charge Off = 1099 C ( I have never received one ) 2 ) XXXX XXXX in the State of Ohio = I dont see any 3 ) Account has been permanently deleted from XXXX 4 ) 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

(

d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 1 603 - 15 U.S.C. 1681a 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal character- istics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consum- er report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the op- portunity, before the time that the information is initially communicated, to direct that such information not be com- municated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indi- rectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 1 Should be read as ( o ) or ( y ) because section 603 ( x ) was re-designated as 603 ( y ) in 2010 by the CFP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized, unverified inquiry. This inquiry has made my credit score decrease, according to the FCRA code 15 U.S code 1602 ( p ), 15 USC 1681 I ( 7 ), this unauthorized inquiry needs to be removed immediately off of my EXPERIAN consumer report. Listed below will be the date and account of the inquiry. EXPERIAN : XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$1100.00} DP OF EDUC XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$4000.00} DP OF EDUC XXXX Balance Owed : {$3100.00} DP OF EDUC XXXX Balance Owed : {$4500.00} DP OF EDUC XXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$2700.00} DP OF EDUC XXXX Balance Owed : {$2500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX