23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received several call and mail from XXXX XXXX XXXX XXXX. 
phone # ( XXXX ) XXXX associated with Synchrony Net work ( XXXX ) XXXX I got to an agreement if a paid a settlement amount they will stop contacting me, clear my record from all 3 bureaus, so I have paid the settlement of {$1500.00} on XX/XX/2020, I have received the letter that I have complied with settlement. my complain is about the agreement to clear and removed account from all 3 bureaus, this has not been done and even though I complied with settlement they haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were open under my name which I was not aware of until recently i have file directly toward a company for fraudulent accounts and has not neem resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, and I did not authorize these credit inquiries.
Product: Mortgage

I have a foreclosure sale date on XX/XX/XXXX because Carrington has never reviewed my paperwork and never checked to see that I have the ability to pay my loan. I got sick from Covid and was unable to work and Carrington gave me a three month forbearance to help my family out. At the end of the forbearance I tried to make my mortgage payment and they told me not to, because they were going to review me for loan modification. I have spent close to 2 years going back and forth with them. They have never reviewed my documents that I have sent over and over and they would not accept my mortgage payments and now I owe them $ XXXX and if I don't pay all of it in two weeks they are going to foreclose on my house I live in with myself and three children. This is wrong. I should not lose my home because I became very ill during the pandemic, because I am back on my feet and can afford my payment, I just need help with the missed payments. 

I bought my home in XX/XX/2020. I work as an assistant manager at XXXX and when Covid hit in XX/XX/2020 I became very sick. I had bad chest pains and cough for several weeks but I kept working because I needed to pay the mortgage and feed my family. Eventually it got so bad that I could not breathe and I got tested and found out I had Covid. I wanted to go back to work but kept testing positive and since it was a restaurant job I had to quarantine. I missed a lot of work and was having issues with my XXXX and XXXX and XXXX XXXX XXXX. The doctors found that I have some scarring in my XXXX and I am still suffering side effects today. 

When I called into Carrington to explain the situation they offered me the XXXX month forbearance which was very helpful. At the end of the XXXX months I was back at work full time and my son was also working at XXXX as a shift manager so our family had the ability to resume making our payment. But the people at Carrington told me NOT to make the payment because they were going to give us a modification. For the past XXXX years I have been sending in my documents over and over and they say sorry, you are missing documents and we can't review. I kept telling them that I wanted to start making payments again because I did not want to fall further behind, but their people said not to pay because they did not know how they were going to handle the modification with the late payments. I was told more than once that I had a complete package and that I was going into review, then a few days later they would say I was missing something. I am very confused and do not understand why they make me go in circles. 

Now I am facing foreclosure sale on XX/XX/XXXX because Carrington never actually reviewed my finances and ability to pay. We have the ability to pay, we had it when the forbearance ended and we have it now, but Carrington has never given us a chance.
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. 

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 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

I HAVE SEVERAL ACCOUNTS SHOWING NEGATIVELY ON MY CREDIT REPORT. WHEN MY EX-HUSBAND AND I DIVORCED, WE AGREED TO SPLIT THE DEBT ACCRUED DURING OUR MARRIAGE. HE HASN'T MADE HIS PAYMENTS AND DESPITE MY MANY ATTEMPTS TO CORRECT THIS, I AM NOT RECEIVING ANY RESPONSE FROM THE COLLECTORS ON THOSE ACCOUNTS. AS IT STATES IN MY DIVORCE DECREE, THOSE SPECIFIC ACCOUNTS BELONG TO MY EX-HUSBAND. I HAVE BEEN TRYING TO CORRECT THIS FOR NEARLY THREE YEARS, BUT I HAVEN'T HAD ANY SUCCESS, AT ALL. I HAVE SUBMITTED DISPUTES, WRITTEN LETTERS SENT TO THE COLLECTORS, I HAVE TRIED CALLING TO DISCUSS THE ACCOUNTS AND GIVE THEM THE CORRECT INFORMATION. IF SOMEONE COULD PLEASE HELP. I AM APPLYING FOR A CAR LOAN SOON AND I HOPE TO HAVE THESE NEGATIVE ACCOUNTS OFF OF MY REPORT. I HAVE BEEN PAYING MY PART OF THE DEBT, BY MAKING MONTHLY PAYMENTS. I SHOULD NOT BE PUNISHED BECAUSE MY EX-HUSBAND ISN'T TAKING CARE OF HIS DEBTS.
Product: Checking or savings account

My debit card was hacked and they locked my card ( chase ) on XX/XX/14 I went into the bank to get funds and to ask for my card to be expedited to pay bills. The lady at the banks said it was a {$5.00} charge but she can not expedite it so I drew funds out and left. She did tell me to use digital wallet. I tired to get cash at chase atm and it come out fraud after I answer question. I call XXXX number and they could not help me. I asked if they could add card info to a message on the site so I can pay bills. Nope. I asked can you expedite my card she said yes after you answer the question. I tell her those are not my question she stated I'm sorry I can't help you. This bank have been nothing but a thorn in my side. I will nor fuss but I will take my funds to another bank. I thank the fraud dept but the other rule and policy are garbage. Maybe Chase bank should consider a temporary card like other banks.
Product: Bank account or service

In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.
Product: Checking or savings account

Fraudulent activity resulting in unauthorized ACH transactions on XXXX for {$600.00} and on XXXX for {$920.00}
Product: Credit reporting or other personal consumer reports

My social security number is wrong on my credit report and so are several of the names wrong on report and several unauthorized credit checks done and alot my information on dark web also alot my information has been data breached and I don't recall a lot of inquiries on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute several collection accounts listed on my credit report that I believe to be fraudulent. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. Specifically, Section 611 ( 15 U.S.C. 1681i ) of the FCRA requires that credit reporting agencies conduct a reasonable investigation of disputed information and correct or delete any information found to be inaccurate or unverifiable.
Product: Consumer Loan

I traded in this vehicle with a auto dealership, signed all of the paperwork, got my new car and they never paid off the loan after taking ownership of the vehicle.
Product: Credit reporting or other personal consumer reports

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 XXXX Account name : # XXXX XXXX XXXX XXXX XXXX XXXX Account name : # XXXX # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX  XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Bank account or service

the problen is to my companyXXXXThe number on the card is XXXX this is with BB & T bank. A year ago they charged me XXXX for an overdraft and it should n't have happened but they withdrew a maintenance fee from my account which caused the amount to be lower. I do n't think this is fair they do it when they see you do n't have money. Previously before I made a payment out of the account I checked the balance to make sure I had enough. For my surprise I had overdrawn the account XXXX because of the maintenance fee that was withdrawn for {$15.00}. When I talked to the branch manager they returned the {$15.00} which put me in the positive. They still charged the overdraft fee. A year later I got a call from a debt collector that is charging me now {$60.00}. What is the government doing to regulate these institutions? In the past a bank XXXX took my property, along with the judges of the court. Now this bank is charging me this amount or they are going to report it to my credit. What is the government doing to stop these institutions from stealing money from consumers? This bank BB & T is proceeding in an irregular way, I ca n't communicate with them. The branch people do n't know what they are doing. I called the manager and they state they are going to return my call but they do n't. What phone number can I call to communicate with them? 



XXXX This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt was paid
Product: Credit reporting, credit repair services, or other personal consumer reports

UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.
Product: Credit card or prepaid card

My Chase account has been active since XX/XX/XXXX and I have not had any problems with the account and Chase confirms that it is in good standing. On XX/XX/XXXX, I made a payment, as I always do, using the Chase online system. The payment was for {$490.00}. Due to my accounting error, this payment was returned by my bank as NSF. I then made another payment on XX/XX/XXXX for {$590.00}. Although Chase waited 7-10 working days for this payment to clear ( which it did approximately 2 days after the payment date ), I was told that a hold on the credit had been placed. Subsequently, I made another payment on XX/XX/XXXX for {$890.00}. I confirmed with my bank and the payment was paid at the bank on XX/XX/XXXX. I contacted Chase bank about this payment and they advise me that a hold has been placed on this payment as well. When I advised the representative why this was being done she advised that this would be the procedure on any payment to my account for the next 120 days. I voiced by dissatisfaction with this process, as I had not had any financial problems with my account before and she verified this during my call. She states that this is Chase 's policy. I advised her that I was going to file a complaint with CFPB and request that this department review this unfair procedure that Chase has in place on it's cardmembers. One would agree that this practice would be for cardmembers that continually have matters like these occuring. However, since XX/XX/XXXX, I had not had any other instance such as this having occurred. I am requesting your office 's review of this official complaint.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Last 4 SSN # XXXX XX/XX/XXXX Dispute Department Equifax XXXX XXXX XXXX. 
XXXX, GA XXXX. 



To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Sincerely, XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : XXXX XXXX  Account XXXX XX/XX/XXXX {$10000.00} FRAUDULENT INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I would like to file a complaint against XXXX, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return.
Product: Money transfer, virtual currency, or money service

My device was hacked and the cash app card was saved in the XXXX  wallet. My debit card was also in my wallet. The perpetrator erased my phone but not before XXXX from me through cash app. I believe the people that hacked me contacted me and pretended to be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT THESE PREVIOUS ADDRESSES TO BE DELETED THEY ARE NOT MINE
Product: Money transfer, virtual currency, or money service

My cash app account does not seem to show full transaction history, from account opening until closing, the history is needed in order to locate transactions not listed in app. My current cash app ID is $ XXXX There are other transactions listed under other IDs which I do not have access to, do not recall email addresses of. However, my billing addresses include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX as well as current address at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lowered my credit score in XX/XX/2021 by XXXX points from XXXX to XXXX. I understand minor 1 point fluctuations up and down over time. 
XXXX  currently has my score at XXXX as of XX/XX/2021. 
Contacting customer support at Experian resulting in the customer service agent saying " they don't calculate the score '' " we use different metric than everyone else '' " you have $ XXXX plus on credit cards right now, that could lower it '' Facts. 
XXXX has {$1100.00} balance - payment history rated by Experian as " exceptional ''. Limit on that card {$10000.00} XXXX has {$1600.00} balance - payment history rated by Experian as " exceptional ''. Limit on that card is {$19000.00} XXXX XXXX XXXX XXXX - 73 % complete, {$29000.00} left on a {$100000.00} loan, payment history rated by Experian as " exceptional '' No other debt. 

Yet Experian can not explain a XXXX point drop out of the blue. Their customer service via online chat and over the phone can not answer a simple question or tell me how to resolve it. " why did it drop XXXX points '' Experian 's answer? " We don't know, it just did. ''
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 60 days 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ADDENDUM TO CFPB COMPLAINT XXXX. THE HOME AT XXXX XXXX XXXX XXXX, XXXX GA XXXX COULD NOT BE SOLD TO US UNBEKNOWST TO US BECAUSE IT WAS SOLD TO XXXX XXXX XXXX USING OUR PERSONAL INFORMATION AND CREDIT. THE TITLE REPORT WAS FRAUDULENT COMPLETED BY XXXX XXXX WHO WAS CONNECTED TO THE LAWFIRM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX, XXXX, GA XXXX, United States XXXX XXXX XXXX XXXX SHE NOW RESIDES IN ANOTHER STATE. WOW! 


XXXX XXXX XXXX WAS ALSO A PARTNER AT THIS LAWFIRM. XXXX XXXX XXXX SERVED AS THE ATTORNEY FOR THE ASSIGNED TRUSTEE XXXX XXXX XXXX WHO WAS MY WIFE 'S XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX THERE WAS A CLOUD ON THE TITLE. XXXX XXXX  OWNER WAS XXXX XXXX. DOCUMENTS PROVIOUSLY SUBMITTED.
Product: Mortgage

On XX/XX/XXXX ocwen loan service sent escrow bill the bill states taxes for XX/XX/XXXX I XXXX XXXX do paid all my taxes to XXXX county tn and all my taxes are paid. I contacted XXXX at XXXX county tax she state ocwen did no paid any taxes for XXXX on XX/XX/XXXX and the statements for XXXX and XXXX have not been bill. I just remodify my mortgage and I do not owe ocwen for taxes .ocwen will not fix the issued.ocwen should be banned and ocwen mortgage license should be suspended in Tennessee and all ocwen mortgage account should be audit and all money return to all customer.
Product: Credit card or prepaid card

I ordered {$360.00} worth of products from XXXX on XX/XX/2021. I still have not received {$320.00} of the items. XXXX shipped my order which USPS showed as pending acceptance from XXXX. USPS is still showing the large order as pending acceptance from XXXX. I've filed a dispute with the comenity bank showing that the item has not been received to date. My dispute was denied as the vendor showed that the product was shipped. I filed a second dispute showing that the shipping number wasn't received and is still pending USPS. They responded almost immediately saying that they already reviewed and the dispute is denied.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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: Mortgage

My insurance company sent proof of insurance to Wells Fargo in XXXX, Wells Fargo claimed they never received it and sent threatening letters. I called them, spent hours on the XXXX XXXX and with an agent that was useless. I resent all insurance evidence again through upload, fax and email. The process repeated in XXXX, XXXX and XXXX. Each time Wells Fargo emailed me that they received evidence and all is good, then the threats repeated. They just sent a bill charging me {$1800.00} for new insurance. I cant get through to a human, just robots.
Product: Credit card or prepaid card

On XX/XX/2021 Mr. XXXX XXXX XXXX Was Sent a written letter that was delivered AFTER The ACCOUNT ENDING # XXXX was CLOSED AT THE BANK ON XXXX XXXX IN XXXX, SC This ridiculous activity that continues to occur AFTER the ACCOUNT # XXXX Is CLOSED IS LEGAL INDEMNITY AGAINST JP MORGON CHASE BANK, NA AND MUST BE INVESTIGATED WITH UPMOST IMMPUNITY! 

THE CHASE BANK IS REQUIRED TO CONDUCT AN FBI INVESTIGATION AS OF XX/XX/2021 and Notify Mr. XXXX BY MAIL CONCERNING THE CHARACTER ASSASINATION THAT HAS OCCURRED MULTIPLE OCCURANCES ON THE VISA CREDIT ACCOUNT ALL CARDS ARE SHREDDED AND CLOSED!