23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing about a payment that was due on XX/XX/XXXX for {$10.00}. I realized that I did not make a payment for {$6.00} and called the credit card customer service on XX/XX/XXXX. The balance was {$19.00} due on XX/XX/XXXX. The late fees were waived and I paid the balance for {$8.00} ( including a {$2.00} interest ). 
I thought all was good, but now I got a statement with a balance of {$21.00} due on XX/XX/XXXX. 

I called the automated line on XX/XX/XXXX, and now I got charged another set of late fees for late fees. A {$6.00} transaction is costing {$45.00}. 

I mentioned to them The Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ). However, no one in Comenity Bank customer service is aware of this protection act.

I am being charged a late fee on a late fee. I explained to them that a charge may not be imposed more than once for the late payment of the same installment, as I paid off the {$8.00}. The two charges for {$45.00} late fees are against the CARD Act. I asked for Comenity Bank to credit back {$45.00} ( all fees ) and they stated that I already got a one time reversal for {$10.00}.

I spoke to several people at Comenity Bank, and no one wants to credit back my {$45.00}. 

I appreciate your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a renting an apartment. My lease ran out. 2 differnt groups bought the apartment complex after my lease was up. I had no problems until I was late on payment 1 time by 3 days. Apon getting the notification I payed in full with all late fees. After I recevied a XXXX XXXX  late fee notice. The next month i recived a {$140.00} late fee notice, a letter that said I owed the previous company, then a letter saying i had no lease, and several illegal threats of eviction. I asked for proof of me owing the previous company, they sent their ledger which started with a late charge and no explination why. It had several mathmatical errors. I sent back a list of errors. They then falsafied the ledger to try to hide their attempted fraud. I had enough moved out, turned in keys. Two months later they called and threatened to evict me however i didnt live their for two months. I then attempted to talk it out over email with them. They figured out I was documenting there illegal acts and refused to talk to me. This company usally takes people to court, however in my case since I have evidence of their fraud and it would cost me more to take them to court than the debt itself, they used the three credit bureaus as their fraud enforcement. I have submitted enough evidence to prove what I have said, and even gottin a letter from them saying that the colloecter can not prove im incorrect, however they are more than happy to remain as fraud enforcement lackys. So i guess if you want to defraud someone just open an llc, make false ledgers, then sell your false ledgers to a debt collector and the credit bureau XXXX will back you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$990.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$440.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$490.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on XXXX, XXXX and Experian reports.
Product: Mortgage

We feel we are now being being forced to file this Complaint because XXXX XXXX XXXX, hereinafter referred to as Nationstar, who now goes by the name of Mr. Cooper, refuses to abide by the Fair Debt Collection Practices Act, hereinafter referred to as the FDCPA and the California XXXX Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. We took out a loan with XXXX XXXX, XXXX on XX/XX/XXXX. Due a financial hardship in the fall of XXXX, we fell behind in our scheduled monthly payments. The last time a payment was made on this consumer debt obligation was XXXX of XXXX. The debt obligation is currently contractually due for the XX/XX/XXXX payment. On XX/XX/XXXX and XX/XX/XXXX, purportedly The XXXX XXXX XXXX XXXX XXXX, as Trustee of the XXXX XXXX, and not in its own capacity, was assigned the beneficial interest under the Deed of Trust and not the Promissory Note. At the time of these purported transfers, the debt was contractually due for the XX/XX/XXXX payment. Nationstar  purportedly acquired the mortgage servicing of this debt obligation effective XX/XX/XXXX. Pursuant to the FDCPA and the RFDCPA, Nationstar and XXXX of XXXX XXXX as Trustee are " debt collectors '' and not " creditors ''. They are threatening and attempting to proceed with a nonjudicial action to dispossess us from our home without the legal right or authority to do so. Despite years and numerous attempts, they have failed to validate the debt and have failed to provide us with any documentation to demonstrate they have the legal ability to attempt to collect the debt, collect the debt, or enforce the power of sale contained in the deed of trust. Although we have taken legal action against them, they have not stopped and refuse to stop their collection and enforcement activities. We are filing this Complaint to make the CFPB aware of their wrongful, deceptive, and illegal actions. The California Supreme Court, the highest court in this state of California, confirmed in a XXXX ruling that a borrower is not entitled to pay an entity that is without the legal right and authority to collect and enforce. In California only a creditor, or an agent of the creditor, may attempt to collect a debt, collect a debt and/or initiate and complete a foreclosure action. Falsely representing that the foreclosure documents are legal process is prohibited and misleading and is in violation of California Civil Code 1788.16. Nationstar and XXXX  XXXX XXXX XXXX as Trustee are engaging in acts that are causing substantial harm not only to us but to California consumers and taxpayers. Immediate action must be taken to stop them from engaging in unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding federal and state laws they are mandated to abide by. They must be held accountable for their misconduct.
Product: Credit reporting or other personal consumer reports

This outdated and no longer relevant information does not accurately reflect my current financial standing, and it continues to adversely impact my credit score.

As this account is fully resolved, I kindly request that you remove it from my credit report in accordance with the principle of reporting only accurate and relevant information. I believe that its continued presence on my credit report, despite being paid, is no longer necessary and does not provide an accurate portrayal of my creditworthiness.
Product: Credit reporting or other personal consumer reports

Requested a report on Tuesday XX/XX/year>. I was informed to email my request by the email form they provided online, that I would receive my report in the mail. I did. I received a letter in the mail stating I needed to contact the Credit bureau. I never received my report. Its been more than 2weeks, as specified.
Product: Vehicle loan or lease

On XX/XX/XXXX I called the bank and asked them to please provide me with the total amount of the loan, including interest financed for the entirety of the loan amount. The customer service representative pretended she could not hear me and disconnected the call. 

When I called back, the next customer service representative was XXXX, employee ID number XXXX. XXXX could not answer when I asked him how much my loan was for, the total amount of the loan which was financed through Santander bank. 

I sent several messages to the bank before the call asking for the same type of information to be sent. They did not send anything. 

I was told that my loan is assessed at the rate of 2.76 % interest on {$15000.00} per day, and they could not explain what type of interest this is, or if it is simple or compound interest for the loan. 

There is no answer when asking how much is the total loan and the length of the loan agreement signed for Santander Bank. 

The first month of this loan was XXXX of XXXX. The price of the car was {$15000.00}. I have attached payment schedule which is comparable to my monthly payment. 

I do not believe I owe any money on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my loan in XX/XX/2017, XXXX XXXX showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. XXXX XXXX   reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling XXXX XXXX numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX  but not XXXX  or Equifax. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX, and XXXX multiple times in 2022 XXXX through XXXX to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 

15 USC 1681 s-2 says you are a furnisher of information.

YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( 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 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

These laws are very clear! 

I want this negative information and accounts removed from my consumer report immediately! 

I also have my submitted FTC report attached XXXX XXXX {$7500.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX  {$560.00} XXXXXXXX XXXX XXXX {$1900.00} XXXX XXXX {$5900.00XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/18 I mobile deposited a {$35.00} USPS money order and they put the funds on hold until XX/XX/18. I need this money to pay my bills before then. How can they put a money order on hold when it is as good as cash?
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a recent copy of my credit report I noticed, a company shown as : XXXX XXXX was reported to my credit report per XXXX XXXX I have never signed any written agreement with them. Nor never heard of them. Upon further research, debtors ' creditor did not verify this collection, also there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send a bill and say its mine. According to FCRA, this company has violated my rights as a consumer and I'm requesting legal actions to remove this fallacious account to be removed from my credit report immediately!
Product: Debt collection

this debt is for an appointment that i missed with a doctor ive never met. I called her to explain that i was sick that week. It didnt matter, her policy is to rip off the public for a missed appointment. to the tune of {$100.00} for no services rendered. XXXX XXXX XXXX XXXX in XXXX, Pennsylvania.
Product: Debt collection

There has been several charge and line of credit accounts that are listed on my credit report that i did not occur they were a result of an Identity theft
Product: Debt collection

I went to XXXX  office, where they would read me the tests sent by the dr , the dr indicated XXXX XXXX  and they told me that insurance did not cover it, I asked how much I should pay and they told me {$350.00}, I said ok I'll pay it, and I paid it, They put me on XXXX XXXX a few months later I get a bill that owed {$40.00}, I called XXXX times and they didn't give me an answer, they would call me later and nothing and now I get a letter from a debit collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CArd is not mine, I don't even have this card but yet it states that this was an inquiry on my credit report. 

It's a Bank Credit Card inquired on XXXX XXXX XXXX XXXX
Product: Mortgage

This is another in a series of charge and account discrepancies on my account levied by Ocwen.  

From: XXXX XXXX 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX  XXXX
Subject: XXXX XXXX, Loan XXXX, XXXX -XXXX XXXX

Thank You for providing a breakdown of the outstanding miscellaneous fees on the account.  I do have to point out more discrepancies and errant charges similar to the ones recognized on my escrow advance.

Highlighted below, why am I being charged for foreclosure fees and title reports last year.  The loan was still in an unemployment modification at the time and is currently not in foreclosure.  I was unemployed from XX/XX/XXXX-XX/XX/XXXX.  Ocwen was well aware of my situation at the time and actually started a second modification review process when the first modification ended.  Since regaining employment in XX/XX/XXXX, I have repeatedly been denied the opportunity to make payments and start a long-term repayment plan.  

I want to reestablish recurring payments, keep the house and rebuild my credit.

Please removed these charges from my account when determining my long-term repayment plan that I have repeatedly asked for.  

Date Description Amount
-------------------------------------------------------------------------------------
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXXXX/XX/XXXXProperty Inspection $XXXXXX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXForeclosure Fees $XXXXXX/XX/XXXXTitle Reports $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Valuations $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Inspection $XXXX
----------------------------------------------------------------------------
Total $XXXX

Thank YouXXXX XXXX XXXX
Product: Credit card

I have been with capitalone for about XXXX or XXXX months and they have closed my account with out my knowledge, and i have been paying good on time, and XXXX because my check didnt go through XXXX in the XXXX months that i have been with them, i called them to get this resolved, i even paid with a different card, and they ignored me, I guess they in bussiness not to satisfy the customers, because I am very dissatifyed with them.very very disappointed.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights FCRA 605 ( b ) under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX a fraudulent charge for {$170.00} was made ( Merchant= " XXXX XXXX '' XXXX on my First Progress Card. 

On XX/XX/XXXX the First Progress Dispute Department ( FPDD ) was notified of this fraudulent charge. 

On XX/XX/XXXX the XXXX initiated an investigation and sent a letter documenting case and indicating disputed amount and any related charges or fees would not be calculated in my amount due. 

On XX/XX/XXXX a letter from XXXX XXXX XXXX ( Customer Service ) indicated that a review of my account reflected the information is accurate amd does not reflect a bank error. First Progress apologies that they could not provide me with further assistance. 

XX/XX/XXXX = Negative information submitted to Credit Bureaus causing Credit Score to go down. This was caused by late payments and balance since I didn't pay the fraudulent charges while they were investigating ( eventhough their dispute department told me I didn't have to ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I proved XXXX XXXX was falsely reporting to the credit bureaus with a receipt i gave to them from my email clearly showing I paid and the balance at the time of the receipt I found was hundreds less than what they were saying. Because of the lying it should be off my report. You would have to be XXXX to not see it .Period!!!! They didnt fix it what so ever. Its experian who is falsely reporting it now and my dispute is with them
Product: Mortgage

THESE ACTIONS ARE ALL TO PUFF THE PRICE OF MORTGAGES ON SECONDARY MARKET OR WHAT CAUSED THE XXXX CRASH THAT ALMOST PUT US INTO A DEPRESSION. 

See attachment herein. American Financial Network recently or yesterday emailed me and asked if I send email attachments in PDF only. This request was after over a thousand emails of correspondence which I had to do because I was continually told different stories about whether I had the right documents by XXXX and American Financial Network. I was told different things even by the same representatives during single conversations, in same day by 2 different representative, and continually every time I called with few to no exceptions. It's 100 % certain that American Financial Network and or XXXX  are going to complain about and use the volume of my emails as an excuse for their actions but the reality is that due to constantly being told different stories/statements about what I had and didn't have, I had no choice but to send voluminous duplicate emails because of continually being told certain documents or all documents that I mailed or emailed were not received. 

Also look at the SECOND ATTACHMENT. Here I was sent contradictory and confusing documents ON THE SAME DAY!! HOWEVER, although both documents are dated the same day of XX/XX/XXXX THE DOCUMENT WITH the XX/XX/XXXX deadline was mailed to me on XX/XX/XXXX and of course never emailed. This company is EVEN doing fraud and deceptive practices IN ORDER TO put me in a bad position and make me fight and be in a compromising position when negotiating. Kind of like coming to an agreement as someone is hung outside a 30 story window in some ways. 

See there new defense they are concocting herein, in attachment. They want to claim that what I sent previously by word was not acceptable. To make this right, the mortgage should be dissolved to a XXXX balance and company trained in having consistency that customers can follow. I believe that due to concerns about the price to sell mortgages at on the secondary market, these companies or American Financial Network and XXXX are using deceptive business practices to avoid doing loan modifications and forbearance of mortgages. This is done so that the mortgages are sold for a significantly higher price on the secondary market such as with the XXXX inflated price scam that put us into the crash.
Product: Money transfer, virtual currency, or money service

I'm a student that attends to XXXX XXXX XXXX XXXX XXXX. I was getting a XXXX stipend check wired to my REVOLT BANK ACCOUNT WITH IS OPERATED BY XXXXXXXX XXXX. My school account is with XXXX XXXX XXXXXXXX. My school wired the funds of {$3900.00} to my REVOLT account on XX/XX/year> with the arrival date of XX/XX/year> to my account. I never received my fund at all. My school gave me there official document of the wire transfer and it shows on the statues CONFIRMED FROM BANK. But I never received any funds. I know revolt has my money but refuse to send me my wire transfer. I gave revolt all the official documents that shows proof of transfer was sent and granted but they keep telling me they don't see the wire. This really hurts my heart because I need the money for bills I'm a hardship student and this effects me and my schooling. The customer service representative told me they having problem with usd wire transfer only and one fixed my deposit will come to my account but it never came still. When I wrote them to let them know someone else said they don't see no transfer wire after the last representative said they did
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification on my credit report, and they did. But did my own research and found improper actions on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.