23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We obtained an interest-only mortgage from XXXX XXXX Mortgage in XXXX ( which filed for bankruptcy in XXXX and is no longer in business ). The loan was transferred to CitiMortgage shortly thereafter and they still own/service it today. The loan is due to fully amortize in XXXX of XXXX. I am concerned that we will not be able to afford the payment at that time. I have made numerous attempts to refinance the loan or discuss potential options/solutions with Citimortgage over the last couple years. Since our home is underwater and it is a jumbo loan, I am told there are no options without significantly paying down the balance on the loan which we are unable to do. I have also been told that we do not qualify for a modification because we currently have the income to make our payments. I am trying to be pro-active in dealing with this before my family and I are in a crisis, but they are unwilling to work with us. They offered to modify our loan in XXXX. We accepted their offer because we were told it was the only option to reduce our payments. They left us in the same interest-only product and INCREASED the balance by nearly {$7000.00} which makes our situation even worse. We simply want them to refinance or modify our loan to a fully amortized 30 or 40 year loan at market rates so we can start to pay down the principal and avoid the substantial increase in our payment that is looming. We do not want to be at risk of losing our home. We are not asking for them to take a loss, we simply want them to do what we believe is fair and will help both of us avoid a potential foreclosure situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One continues to report erroneous information on my credit report despite numerous requests to have the fraudulent information removed over a period of months. I filed a police report detailing a fraudulent account listed on my credit report from Capital One and I also filed an identity theft packet directly with Capital One. Capital One responded and said that they verified my name, address and social security number and therefore determined that the account is mine. I am a victim of identity theft and my name, address and social security number have all been breached. This is an improper and malicious way to verify accounts after receiving valid police reports and documentation from me detailing the identity theft and crime. I also disputed the accounts with XXXX, XXXX, and XXXX, all of which blocked the fraudulent account with my police report pursuant to the Fair Credit Reporting Act. Capital One was notified of the blocks and failed to comply with federal law as they then insisted on requesting the blocks be lifted and fraudulent accounts be restored to my credit. The credit bureaus are now saying I need to address the matter with Capital One directly and Capital One insists on the saying fraudulent account is mine because my name, address and social security number match. This has been an ongoing nightmare for over 6 months now and is causing me great harm as fraudulent items continue on o appear on my credit reports and Capital One is knowingly reporting erroneous and inaccurate information for their companys financial gain at the expense of victims of identity theft and in strict violation to federal law!
Product: Debt collection

Online Information Services ( OIS ) is in violation of its statutory duties to report information to consumer reporting agencies accurately under 15 U.S.C. 1681s-2 ( responsibilities of furnishers of information to consumer reporting agencies ) and in violation of your statutory duty to engage in lawful debt collection practices under 1692e ( false or misleading representations ). 

Original Creditor initially billed me one total amount of {$7900.00} for nine daily consultations and XXXX discharge consultations by physicians over XXXX calendar days ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). This debt was assigned XXXX account number by the Original Creditor, meaning the Original Creditor conceived of and assigned it to OIS as one singular debt. 

For inexplicable reasons, OIS chose to arbitrarily divide the unified debt into its daily components and report them to XXXX, XXXX, and XXXX as if they were XXXX separate unrelated debts. 

The debts have been reported to each of the consumer reporting agencies as if they had different account numbers in the first place, artificially advancing the notion that they were separate debts in the first place, when they were not. 

Even assuming arguendo that the debt was valid in the first place, the only effect of this needlessly arbitrary division and reporting has been to cause maximum damage to my consumer credit reports, because they falsely insinuate that I has allowed XXXX separate debts to go into collections rather than XXXX debt, at best. 

I have suffered a XXXX XXXX in my credit score because of this specific set of false reports and am currently unable to engage in any meaningful new debt servicing despite the fact that my credit report shows a XXXX XXXX of positive financial practice. 

This method of reporting is on its face a false representation of the character of the debt. See 15 U.S.C. 1692e ( 2 ) ( A ). By artificially dividing one debt into XXXX, it is also by definition a false representation of the character and amounts of XXXX nonexistent debts. See id. 

This arbitrary and means of debt reporting also constitutes a false representation or implication that I, as the consumer committed other conduct in order to disgrace me. See id. at 1692e ( 7 ). Namely, even if I am responsible for XXXX discrete debt, this method creates the false implication that I ignored XXXX other debts and allowed them to go into collections. 

The same facts demonstrate that OIS is also in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ), which requires accurate reporting of information to the consumer reporting agencies. 

Subsection ( A ) mandates that [ a ] person shall not furnish any 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. OIS absolutely knows or has reasonable cause to believe that the information is inaccuratefor the same reason that I can demonstrate that the Original Creditor billed me for one debt in the first place.
Product: Debt collection

ORIGINAL PURCHASE WAS  XXXX  I DID NOT RECEIVE A  PAYPAL BILL U NTIL THEY STARTED ADDING LATE CHARGES. I HAVE SPOKEN AND SENT LETTERS MONTH AFTER MONTH TO THEM, FINALLY I SEND THEM  XXXX  WHICH I DID CK #  XXXX   XXXX / XXXX / 17 . NOW THEY WANT MORE MONEY THE AMOUNT I SENT WAS WHAT THEY TOLD ME TO SEND TO CLOSE THE ACCOUNT. MY WIFE HAS  XXXX  AND THE CALLS ARE VERY UPSETTING
Product: Debt collection

On XX/XX/year>, I sent a debt validation request letter via certified mail at XXXX am to Midland Credit Management. Despite allowing ample time for a response, I never received any validation of the debt from the company. 

As the calls continued unabated, I then sent a cease and desist letter, also via certified mail, which was delivered at XXXX am on XX/XX/year>. Despite receiving this letter, Midland Credit Management has continued to call me non-stop, blatantly ignoring my cease and desist request. 

Below is a record of the calls I received from Midland Credit Management : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : Call from XXXX XX/XX/year> : XXXX calls at XXXX am and XXXX am from XXXX I am filing this complaint because Midland Credit Management has failed to comply with the Fair Debt Collection Practices Act ( FDCPA ) by not validating the debt upon request and by continuing to contact me after a lawful cease and desist notice was sent. I seek immediate action to stop these calls and to address the company 's non-compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were disputes that were filed with transunion, and both disputes were valid, the items reported by the creditor were in violation of the fair credit reporting act, violations for re insertions, and past statute of limitations fcra violations, the XXXX XXXX XXXX XXXX account was removed, and then re inserted 2 months later after disputed, deemed innacurate, and deleted, how transunion allowed the creditor to re insert the debt back on my credit is beyond me,. Transunion has also violated the statute limitations with the FCRA, they have been reporting a delinquent account past the statute of limitations of 7 yrs, they have also reported this account for 8 going on 9 yrs already, this is getting ridiculous, transunion is also being dishonest about not receiving any documents from the Consumer Financial Protection Bureau, I feel this is a tactic they are using in order to not remove the items, they are claiming they didn't receive the supporting paperwork, but when I contact the CFPB, the CFPB let 's me know that they did send the paperwork, there is alot of illegal stuff going on with transunion, and they are about to get sued drastically, Transunion needs to delete these items, it is no longer up to the creditor, it is on transunion to report accurately, and follow the FCRA which was created to govern the bureaus, from innacurate credit reporting,
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax XXXX XXXX, below in attachments.
Product: Credit card or prepaid card

Hi. In XXXX 2022, I contacted Captial One to advise that my SSI payments were delayed until XX/XX/2022. I advised I would only be able to make minimal payments until those payments came through. I then proceeded to make small monthly payments. However, on XX/XX/ 2022, I found that Captial One had gone into my bank account and pulled {$260.00} [ UNAUTHORIZED, mind you ], causing all sorts of things to bounce back as I only had slightly more than that in my account. 

When I contacted the Capital One, the were certain that it was an Auto Pay that had been set up -- only I NEVER use auto pay as my finances are so infrequent. They said they'd return my $ XXXX but it would take up to 10 days. In the meantime, all these payments are bouncing and I have absolutely no money to buy food or gas. It's insane! 

I'm hoping you can help me not only get my money back, but do whatever it takes to stop this process as I do NOT believe a credit card company should have the ability to arbitrarily take funds from consumer 's accounts. Thank you. XXXX
Product: Credit card or prepaid card

This letter is regarding an account, which you claim I owe {$31.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company ( NAVY FEDERAL CREDIT UNION ) is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX refuses to correct an update the information that was submitted based on a complaint from XX/XX/XXXX XXXX They stated that the information had been verified as accurate.
Product: Debt collection

Portfolio Recovery Associates LLC is send me collection papers representing themselves as XXXX XXXX XXXX XXXX. They have yet yo prove I owe the debt, but they are sending letters from an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.
Product: Credit reporting or other personal consumer reports

So for starters I paid ALL my Debt off and its taking forever for them to report and reflect On my credit score which is very frustrating for me. You guys are quick to report negative things but not good things and thats a BIG PROBLEM. I have things that I am trying to take care business wise and to get a vehicle! Please do something my credit score is off and needs attention fix it!
Product: Debt collection

I am writing to you with utter contempt and fury upon discovering a fraudulent account on my credit report. It has come to my attention that an account that I have absolutely no involvement with has been inaccurately added to my credit history. This egregious error has not only besmirched my financial integrity but has also placed an unjust burden upon me to rectify this situation. XXXX XXXX  XXXX
Product: Checking or savings account

I had signed up for a Wells Fargo checking about in early XXXX ( I believe it was XX/XX/2020 ) on a promotion that offered {$400.00} for opening a new account and having {$4000.00} worth of direct deposits made into the account within 3 months. I had met the deposit requirement a few weeks ago and was waiting for the bonus to be applied into my account. When I went onto my account today ( XX/XX/2020 ) it informed me that my account had been closed. I went through my email and Wells Fargo message center to see if there was any explanation to this and found nothing but an email and a message on Wells Fargo ( the only message they have ever sent on the messaging center ) stating the account had been closed on XX/XX/2020. I had called Wells Fargo customer server to inquire about this and was questioned if I was the one who closed the account and was told that there must have been some type of contact as to why the account was closed ( no emails or messages were sent prior to the account closing and the representative also questioned me multiple times regarding if it was me who closed the account ). She then proceeded to argue that the promotion was not as I said and it was actually {$3000.00} in direct deposits per month for 3 months. I had attempted to inform them that that was not the promotion and that I did not receive any communication regarding the account closing and that I did not close it. They continued to argue with me and tell me that I was incorrect and that they did not have a reason as to why my account was closed. The only thing they could say was to go into a banking location and discuss this with them. 

I feel scammed and I do not think it was a coincidence that my account was closed right at the 3 month mark ( opened on XX/XX/2020-closed on XX/XX/2020 ) that would qualifying me for the {$400.00} bonus. I still have no explanation as to why the account was closed and was offerEd no assistance from Wells Fargo. They were very rude and not concerned at all with the fact that they could not explain why my account was closed and argued with me regarding the terms of the account being closed. The account was active and was set to receive the direct deposits from my paycheck. I am supposed to be getting paid tomorrow ( XX/XX/2020 ) but I am now not going to receive my check because my account was closed. I do not know how long it will take for my work to send it to a different account but I know that I will now not only be out the {$400.00} promotion offered to me but also not able to access my money because it is being deposited into an account that is unexplainably closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX. 
thi credit bureau refused to remove a fraudulant account on my credit report XXXX XXXX  XXXX I have attached a copy of police report
Product: Mortgage

I entered in an agreement with XXXX XXXX XXXX XXXX d/b/a National Home Buyers Alliance ( NHBA ) on XXXX XXXX, 2011. In the first paragraph of the contract it states that materials and information will be provided by NHBA, I have been given any materials stating anything in the contract. In the contract is also states that NHBA has agreed to additional down payment in excess of the 3 % down payment. I have an email dated XXXX from XXXX XXXX ( Customer Service ) at NHBA stating " The money you paid to NHBA is a fee for our services and nothing more. Part of the services is we negotiate to get all of your closing costs covered, appraisal fees, etc so you do n't have to. It 's not money sitting in a bank or anything like that so there is nothing you need to list on your paperwork for them. '' It states in the contract the only fee that NHBA will receive is one month 's gross income or {$1500.00}. Its also states, that if I request NHBA to assist with your credit history ''. I never made that request in written or verbal. My file was assigned to XXXX XXXX, she stated she had run my credit that I was pre approved for {$100000.00}. And just told me what I need to pay off the credit report. I paid and negotiated all my accounts in collections, all NHBA did was sent me letters to sign and I was told to send them to all three credit bureaus. XXXX minute XXXX XXXX tells me that I am ready to purchase and the next minute I have to do something else. XXXX XXXX also stated that I was pre approved with XXXX Mortgage XXXX. XXXX XXXX office is located XXXX as well, she stated that I was denied a loan, not once have I seen a denied letter from a lender of any type.I spoke with an agent at XXXX Mortgage I was told I could not be assisted on home loan because I lived in XXXX. I was referred to your agency by a loan broker at XXXX bank here XXXX. I have spoken with estates, loan officers and brokers who has told me the practices of NHBA are not good and no one that I have mention above wants to work with them, they all say it is a scam. I a really feel like I have been taken for my money. I want my refund of XXXX. NHBA stated in the there in advertisement that NHBA would be able to provide a person with a home in 24 months or less, advertisement radio and flyer, flyer is attached and contract. I was told that they would match what I put in which was {$2300.00}. I would not had given this type of money to NHBA if I knew what I have learned now and the have other complaints from people on the XXXX where NHBA has done the same to others. I am not satisfied with the services or treatment I have received. I still have not purchased a home of today. I do not want to work with NHBA or have anything else to do with this business. Attached are emails from XXXX XXXX and the contract that was sign with NHBA. I am single mother trying to better myself and the life of my XXXX daughters. Because of all the lies from NHBA we are living with relatives. Thank you for any assist that can be given.