23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is about the XXXX time now where Capital one is removing my XXXX XXXX  account from making payments, I keep trying to add my card and it is saying it has hit a snag. There is nothing wrong with my XXXX XXXX account, I have provided capital one documentation needed proving this is a correct account and this keeps on happening where online banking removes my payment access from this account. I am getting furious having to attempt to contact them, and them not knowing what to do or who to contact on their end to resolve it. I need this fixed for both my credit card account and money market account, as those both accounts removed my XXXX XXXX account resulting in me not being able to make payments.
Product: Debt collection

For several years I have been called by portfolio recovery for a final payment on a gap credit card that shows record for not being paid. 

The unpaid balance is under {$30.00}. 

Someone has added unpaid charges on {$30.00} to the some of over {$350.00}. I have agreed to repay the last payment that was missing but will not pay and addition {$320.00}. I have had them note the account several times and they do not. They refuse to take the amount I have agreed to pay again and drop it. 

I just started a new job and they have now found my work number and called it. They OBVIOUSLY know it is my work number which is NOT ACCEPTABLE!!! 

Lastly, They are messing my credit up for {$25.00}. They are hunting me down as though it is {$1000.00} of dollars and.
Product: Debt collection

To : SOURCE RECEIVABLES MANAGEMENT. 

I AM XXXX XXXX. And you are not licensed to work in my state.
Product: Credit reporting or other personal consumer reports

Equifax again stated they verified this bankruptcy but still didnt provide any details or evidence. Since Equifax clearly has no intent of following law pay the filing fee for arbitration so I may seek to have you provide this so called evidence to an arbitrator. You have 14 days to submits payment for us to arbitrate this matter.
Product: Credit card or prepaid card

I filed a complaint against US Bank for this matter to no avail. US Bank responded with absolutely no evidence or explanation for the " charges '' on my credit card that they claim I owe. In FACT - those charges can not be linked to me as they are literally " late '' fees imposed on fraudulent charges. US Bank can not solve this issue by trying to gaslight me and just say " there were charges '' I haven't paid for. Not only will I sue US Bank in court, I will share all of the statements and the extremely poor response and absolutely unacceptable excuse US Bank gave in response to my demand that they resolve the mess they made of my account. If US Bank does not retract the fees and charges ; advise the CRAs that what they reported is FALSE, and close my account in good standing within 5 business days, I will file suit and share their disturbing lack XXXX  violations with the media, in addition to contacting XXXX XXXX myself to alert him to their disgusting unfair practices.
Product: Mortgage

US Bank home mortgage agreed to accept XXXX Funds. I had not known when the funds were applied and when my normal monthly payments would start. I have been paying late unable to catch up now for four years. Since I am a XXXX teacher and now not working a part-time job during summer ; during summer I sometimes fall behind and need time after the school year starts to catch up. US Bank has offered assistance by mailing me applications and I had completed XXXX consecutive applications and provided supports requested only to be told my handwriting was sloppy so they were n't able to approve it. I got caught up on my own without help. Recently, I 've come to need their mitigation process again and they are not keeping their word to provide a reply within 30 days and to keep me informed despite having my email address, mailing address, and phone. They have made a demand for payment by XXXX/XXXX/16 without giving me a disposition on the request for assistance. I made contact to communicate this and was told my employer 's WORK NUMBER code to verify employment was insufficient. I had to get a letterhead document stating the number of months I am paid as a substitute. XXXX XXXX XXXX XXXX directed me to WORK NUMBER again. I can not produce a letter they are not willing to write although I have other documentation to show my yearly income over the past 6 years and current year ; and, I have applied for unemployment benefits during summer months when school is out. US Bank wants the appearance of offering help only to stymie the process by failing to communicate and asking for documents when other evidence provided gives them proof of what they are needing to verify. If I do not pay the balance in full by the due date they will start foreclosure without giving me a fair opportunity to have help. The help I request is to put late fees on end of loan due to the HARDEST HIT circumstance and to give me time to pay the unpaid payments which are only XXXX at this point because of the length of time they have dragged on not giving me a decision. US Bank needs to be reported for not being forthright and honest about they mitigation process, which is basically to cause undue stress and anxiety in an already anxious circumstance.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account in the amount of {$2800.00} has appeared on my credit report. The creditor is XXXX XXXX at XXXX XXXX. We contacted them and we were told it is for a lease that was signed on XX/XX/2015, in XXXX. This could not have been me as I was a member of the United States XXXX stationed in XXXX at that time. I have disputed this account with the Credit Reporting Agency and I am told that I am still liable even though I was a member of the United States XXXX on orders to be in XXXX at the time of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX that my application for XXXX XXXX XXXX XXXX card needs more info to complete the application. I Have never for such a card although I do have and use an XXXX XXXX credit card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX 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 instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I made an ACH transfer from my Small Business account at Bank of America to the Recipient at XXXX, for the amount of {$3000.00}, and was confirmed that the fund will arrive by next business day. 

However, the fund never arrived, I have worked with the recipient but XXXX stated they never received the transfer. I contacted ACH Department of Bank Of America and was advised that the transfer had been successfully made on Bank of America 's end, and that there are no other options aside from filing a claim with them. 

As of now ( XX/XX/2021 ), I have not received any further update from neither banks. My account has been deducted of {$3000.00} since XX/XX/2021 and the last communication was from Bank of America on early XXXX, affirming that they have completed the ACH transfer, and the only option is for them ( Bank of America ) to do a " courtesy '' reach out to XXXX  for review. There is no case being shown in my Online Banking account and no further update since XXXX.
Product: Credit reporting, credit repair services, 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. 

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 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 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 and other adverse items 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 or other personal consumer reports

Those are not my accounts on any of those things on there that are delinquent and I never had a car from Ally financial I never had a credit card from synchrony MasterCard and I peed off and my Belks card is not closed nor my JCPenney
Product: Debt collection

Credit Control LLC Phone # XXXX Credit Control LLC has contact me 7 times trying to reach my grandfather and mother. 
I advised one that first call that I don't even live in the same state and could not help them. They continued to call me after I asked them to stop. 

Dates of contact were XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendors XXXX or XXXX XXXX XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

XX/XX/2022 I had disputed with experian about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from experian do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 


XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit card

right now loans keep charge my debit card {$180.00} per check on 800 % interest rates as they transferred {$620.00} to my account now i owe them {$4600.00} for the loan. I believe that is racketeering however my purpose for this now I'm being harassed with multiple emails and phone calls along with overdraft fees
Product: Money transfer, virtual currency, or money service

Zelle Sent the money to the wrong person on accident. Contacted Zelle and I basically was told nothing can be done about it. XX/XX/scrub>XXXX XXXX
Product: Debt collection

I have contacted the collection agency on several occasions asking them to provide the itemized amount for charges that they are attempting to collect on. The collection agency is unable to provide the details and just say you know that you owe the balance forward amount. The collection associate offered a settlement of half the debt, then refused to work with me after I was able to come up with the amount that they asked for. I have tried to work out a settlement for part of the debt, only to be told no. This collection is preventing me from being able to find a place to rent, so I will have a place to live. I am currently XXXX and have to sleep at friends or family members places. The amount placed on my credit report is {$310000.00}. 

XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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
Product: Mortgage

We tried to do a loan modification in XXXX. We went back and forth with freedom mortgage to get a loan modification for 3 years. They're was always an issue of the documents being expired. We started to send in updated documents once in review but never had anything resolved. We even did a bankruptcy that became costly because the monthly mortgage kept going up. When that fell through we did a forbearance that expires XX/XX/XXXX. We will have to go through the same process again to get a loan modification that never goes through. By them putting off the approval for modification, fees are constantly adding to the principal. 4 years of late fees have accumulated causing the debt to go up to about XXXX in late fees.
Product: Mortgage

Mr. Cooper mortgage company has serviced the mortgage on my primary residence for many years. In XXXX of 2021 I applied with Mr. Cooper to refinance my existing mortgage. I paid them an appraisal fee of {$490.00} to proceed with the approved application. No apparaidal was ever completed and Mr. Cooper ended declining the mortgage application because ( I think ) I did not realize there was a judgement/lien tied to the property and failed to disclose that information in my application. They never refunded the appraisal fee they deducted from my bank account. 

I applied with Mr. Cooper again in XXXX when I realized what the likely problem was with my initial application. Again, my application was approved and I paid another appraisal fee of {$490.00} assuming I would be refunded for the prior one in time. XXXX XXXX never moved this mortgage to closing for some reason. They did not communicate anything other than their appraiser insisted my primary home was used as a commercial business and refused to conduct the appraisal I paid for. It is not used as commercial. It is my home. I provided a detailed statement to that effect at the request of the loan processor ( XXXX XXXX ). The last email I received from XXXX XXXX was an auto replay message that he was out of the office for an extended period of time. I never heard from Mr. Cooper again about this mortgage application or my appraisal, or the second appraisal fee I paid them. 

I have called, emailed, and written letters to Mr. Cooper trying to get the appraisal fees refunded, but no one replies or can provide me with information on getting these funds back. No one there seems to care or be concerned about the appraisal fees much less why they did not follow lending rules/regs by letting me know why my second loan was never closed. I never received a denial letter or any sort of communication after it appears that something happened with this XXXX XXXX fellow that was processing my loan. 

As a fairly informed and educated consumer, it is very distressing to me that a company such as Mr. Cooper is allowed to do this to consumers. Please help!!!! 

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

Debt has already been disputed and was said to be concluded by XX/XX/year> no deletion has been made to resolve this Issue XXXX XXXX XXXX in the amount of {$1400.00} and another XXXX XXXX XXXX account in the amount of {$220.00} along with XXXX XXXX XXXX  still reporting an amount of {$600.00} all these accounts HAVENT BEEN PROPERLY INVESTIGATED AND IS WAY PAST INVESTIGATION TIME FRAME. No actions has been taken by XXXX trans union nor XXXX regarding these accounts
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  Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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: Payday loan, title loan, or personal loan

Complaining in Accordance with The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977. Due to the following reasons.

1 ) Failure to merandize upon contact with Operator in an attempt to settle a debt.

2 ) Operator refused to let me speak to someone of higher authority to help with the situation.

3 ) Failure of Settlement with account being closed and reported to IRS for tax write off.
Product: Mortgage

I had my home mortgage with green tree. I unfortunately had financial difficulties I tried to explain to green tree but they would not listen. They call all hours to get payment when I tried to explain they would belittle me, or tell me to borrow money. They came to the house to get payment and threaten me. They would call my work. I tried to get a modification they said no. I eventually lost the house. I no longer have my house, it was very difficult.
Product: Prepaid card

I have been forced to remain a customer of RushCard when on XXXX XXXX the company accepted XXXX separate deposits into an account with an expired debit card, an account that i had not used in over three years. Because the company gave me to other option i was forced to order a new card, because that would be the only way to access my money. I ordered a new card on XXXX XXXX and was charged {$4.00}. After waiting two weeks i contacted RushCard because I still had not received the card. After speaking with an agent i was told i could have the new card rushed to me within 1-2 business days. The Rep went through the process of updating my information and placed me on hold, and then hung up. I called back only to be hung up on XXXX more. Finally i was able to speak with another rep, whom i had to repeat my entire situation to, because apparently RushCard Reps do not make any notes on the account when they speak to a customer. So to my surprise this new Rep told me that i would have to pay {$30.00} for them to rush me a replacement card. I went back and forth with the Rep over this charge because i felt as though i should not have to pay for something that was not my fault. The Rep explained that she could send an email asking for the charges to be reversed, but she would have to charge the card in order for me to get the card in 1-2 business days. That was XXXX XXXX. It has now been 11 days, my account was charged XXXX for {$4.00} for a new card and XXXX for {$30.00} to expedite s shipping. And i still have not received my card. I have called everyday only to be hung up on every time I 'm on hold waiting to talk to a Rep. I 've also emailed the times, only to receive an automatic response saying i would be contacted within 12 hours, but I have yet to receive any form of response.
Product: Credit reporting or other personal consumer reports

Back in XXXXXXXX XXXX XXXX I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Product: Debt collection

XXXX XXXX XXXX is the collection that appears on my. CRedit report is show g this collection that is not mineXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from Capital One Auto Fin on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help