23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

received email from my Capital one XXXX on XX/XX/XXXX said I have request change mailing address, I called XXXX customer service on XX/XX/XXXX and told I have not make any request for change mail address!! and told her DO NOT change my mail address!! I was traveled between XX/XX/XXXX to XX/XX/XXXX, after I came back home and saw few emailed from XXXX on XX/XX/XXXX said Capital one said new card issue to me and XX/XX/XXXX said Capital said I have change email address!! so I called and told to customer service 1. I and not received the new card. 2. I have not request to change my email address, and customer service from Capital One said I have lots charge from XX/XX/XXXX to XX/XX/XXXX from the new card end # XXXX total amount {$390.00} ( 30 different charge ), I was asked Capital One I need put those charger for dispute, because I never received this card and never authorized charges. I think I'm victim of identity theft.
Product: Credit reporting or other personal consumer reports

To XXXX XXXX you conducted an investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and since that time the Squatter from XXXX XXXX XXXX XXXX XXXX he cash XXXX XXXX escrow account checks in my name and I reported as Forgery XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please confirm in writing, BELOW, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke 25 minutes she said we sent you a satisfactory of mortgage on XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

Please disclose
Product: Bank account or service

I applied to Charles Schwab for a Brokerage account and a Checking Account on XXXX-17. 
They opened the Brokerage account, and the Checking account was pending. 
On XXXX17 the Brokerage account was closed and I was not approved for the checking account. 

I called on XXXX-17 and was told I would receive information in a letter they were sending giving specifics. 

I have received the letter from them but there is no specific information as to what caused them to reject me as a customer. 
This is a violation of the FCRA. Without knowing what they viewed in a report that caused my rejection, I can not make sure that there is not a mistake and repair any misinformation.
Product: Credit card

USAA credit card services ( -XXXX ) continue to send me statements for {$3000.00} plus dollars for merchandise that they own and are in possession of!! 
Besides being unethical, it is also illegal to bill me for something I do n't have or own!! 
USAA has been very unprofessional and refuses to acknowledge this issue. 
USAA has also been charging me interest on that {$3000.00} plus dollars and refuses to stop, they also owe me {$150.00} for shipping charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed an error on XXXX. A collection agency called AFNI is reporting that I owe {$1400.00} AFNI XXXX XXXX XXXX XXXX Original Creditor Amount Owed : {$1400.00} I contacted AFNI and was told that they do not own this account or have the account in their office. They said they have no knowledge of this.. I asked them to remove it from my report. They stated they would not.
I am writing to request that AFNI be removed as they do not have an account for me.
Product: Mortgage

My property is up for a property foreclosure sale XX/XX/2018. I have spoke with my mortgage company Ocwen Servicing several times. I faxed requested documents with my finances to Ocwen so they could assist me with a mortgage modification. I had a reduction in my income that caused me to become delinquent with my mortgage payments.
Product: Debt collection

Issues : disclosure verification of debt + improper communication tactics. 
I spoke with XXXX, a contact center manager for this collection agency. I identified myself as the best contact person to communicate with on this matter. I clearly expressed my desire to pay this debt in full asap as long as the charges were valid. I gave them my mobile and work phone numbers. We hung up with the expectation that I would receive a verification of debt package by mail from them shortly. This would have given me an opportunity o review the validity of the charges. Till this day, I have not received this package. In the meantime, I found out they had been trying to contact my roommate ( despite our mutual agreement that I would be the sole point of contact for this matter ). 
Last but not least, their contact center representatives consistently try to engage in confrontations and arguments over the phone instead of focusing on duly resolving the matter. 
I am under the impression they are purposely trying to prevent me from reviewing these charges so that once the legal time-frame has passed, they will be able to threaten me with putting those unverified charges on my credit report. 
Please help!
Product: Credit reporting or other personal consumer reports

Hey, I'd like XXXX XXXX 's information off my credit report & identifying by her old address & XXXX XXXX XXXXe as well .Can use my High School, Elementary School , Junior High School . Street I grew up on New York jobs i held as well.
Product: Credit reporting or other personal consumer reports

I took out some loans with Possible Finance in XXXX and XXXX. When I got the XXXX loan, I was terminated from my employment leaving me without a job, car and home. I got evicted from my home along with the repossession of my vehicle, I am currently homeless sleeping in motels with vouchers, on street corners, shelters, public restrooms, placesand abandoned buildings. Having the late payments from XXXX and XXXX are EXTREMELY BAD FOR MY CREDIT REPORTS AS I AM TRYING TO GET APPROVAL FOR HOUSING, A VEHICLE AND MORE STABLE EMPLOYMENT WITH MORE INCOME. For the XX/XX/XXXX, I paid off the loan XXXX!!! EXPEDITIOUSLY REMOVE ALL OF THE LATE PAYMENTS FROM ALL CREDIT REPORTS EXPEDITIOUSLY OR PAY {$34000.00} to {$100000.00} IMMEDIATELY!!! IF YOU FAIL TO COMPLY MY REQUEST, YOU ALL CAN AND WILL PAY ME {$100000.00} IMMEDIATELY ALONG WITH THE IMMEDIATE REMOVAL OF THE LATE PAYMENTS AND MY CURRENT LOAN PAID IN FULL OR IN ADDITION TO REMOVING THE LATE PAYMENTS, {$100000.00}, PAID IN FULL FOR MY CURRENT LOAN, I WILL GLADLY HAUL YOUR XXXX  TO COURT UNLESS YOU ALL REMOVE ALL LATE PAYMENTS, PAY {$100000.00} and PAY OFF MY CURRENT LOAN EXPEDITIOUSLY!!!
Product: Credit card or prepaid card

Purchased a group of items through XXXX, paid XXXX ( XXXX on XXXX cash balance and XXXX on citi credit card ) - never received items. XXXX suggested to file a claim through citi ( wrongly, but I did it ). Citi claiming merchant " sent '' item - very frustrated. {$2600.00} locked up in disputes. Followed dispute process through citi and citi not looking out for their cardholders.
Product: Mortgage

My mortgage loan was transferred to Shellpoint Mortgage Servicing from XXXX mortgage servicing in XX/XX/XXXX. Prior to my loan being with XXXX it was with XXXX XXXX XXXX. Whenever I made any extra payment on my loan, regardless of if there were late fees or any other outstanding fees due, i was always told by both XXXX and XXXX agents that the extra I paid would go into a suspense account. I always had fees owed with both XXXX and XXXX and they never subverted my extra payment into fees. 

On XX/XX/XXXX I contacted Shellpoint to ask questions about my escrow and during the call I asked what amount did i have in suspense. I knew there should have been an amount there because for the past several months we had paid over our mortgage payment. To my surprise and astonishment the Shellpoint agent informed me i had XXXX dollars in my suspense. I asked her where did the money go. She told me Shellpoint had been taking my extra payments and instead of applying them towards suspense as my extra payments have always been applied - shellpoint had been paying off late fees with my extra payments. 

I never agreed to this. I never consented to this. I was never informed of this. When my loan transferred from XXXX to Shellpoint my servicing agreement should have stayed the same in regards to how my payments were being applied. I was only informed that the company handling the loan servicing would change. There should have been no other changes. 

This is a breach of contract. 
This constitutes a misapplication of my mortgage payments. The late fees and all other fees, as XXXX and XXXX had both explained to me would come due and owing when the loan is paid out. They were never taken directly from my mortgage payments. I had come to rely on the suspense account to help me weather financial difficulties. 

Also, per new mortgage servicing guidelines adopted by the CFPB in XXXX - any extra payments made on the loan would be applied towards the suspense account. 

So Shellpoint Mortgage is wrong to take my extra payments and subvert them into fees instead of suspense. I demand my extra payments, from the time my loan was transferred or before if applicable, be returned to the suspense account. 

I also request to be provided with my full servicing agreement which bears MY SIGNATURE. In other words my ORIGINAL servicing agreement and all others that BEAR MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Huntington National Bank  XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, Huntington National Bank, 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

They keep calling me about an account in a debt management program. I have given them the information numerous times and they continue to call and tell me that they can't find it. I have asked them to stop calling me repeatedly and threatening me with ruining my credit. I started the debt management program to prevent me from this happening and it continues. The lady that called today said I will continue to call me until I give her the information. I didn't have the information with me at work and explained I have given Oliphant financial this information at least 5 times. The XXXX credit card is getting paid directly by XXXX  through the program. They should have this information and then threatened to file a judgement.
Product: Vehicle loan or lease

The car was supposed to be my name and my daughter they repossessed the car while I was as under the covid and unable to pay the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB : Previous complaint : XXXX XXXX XXXX is lying to CFPB. This IS NOT RESOLVED and I'm wondering if CFPB is in bed with XXXX XXXX? 


CFPB closed this complaint and XXXX XXXX has not done what they promised. In fact, I just learned that they again submitted the fraudulent account they created to collections. As stated in complaint XXXX, Macy 's tricked me into opening a second XXXX XXXX account. I had a XXXX XXXX account for many, many years. They pretended to need to update information so that I could get a coupon for immediate use at the checkout desk. What they really did was open a second XXXX XXXX account. They then sent this secondary account to collection which DECIMATED MY ALMOST PERFECT CREDIT RATING. After promising to remove the incorrect information from the credit bureaus, they have now AGAIN SUBMITTED TO COLLECTIONS THIS SECONDARY ACCOUNT THEY FRAUDULENTLY OPENED. These people are criminals.
Product: Debt collection

I told portfolio recovery associates that an account for XXXX $ from XXXX XXXXXXXX was the result of identity theft. I tried multiple times to dispute the information on my credit report. They sued my in court for this account. Improperly notified me of the case And are wanting garnishments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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
Product: Credit card or prepaid card

This started with the XXXX  credit bureau. On my credit report it detected a DORMANT Macy 's activity on XX/XX/19. I think it started out with only {$78.00} and change. It's now up to XXXX and change. Like I've told them, it's no problem for me to pay if it were my bill, but it's not so I'm not paying it. I have shouted to the rooftops over and over to this day that I do have that card and have never used it at all. I began a dispute with all three credit bureaus the very next day XX/XX/19 and since I'm new with that, my first mistake was including cleaning up everything else in the reports so they ignored my Macy 's dispute. I finally filed a FRAUD report on XX/XX/19 on Macy 's. They did what they're supposed to do, locking my account for one year and letting me know I can extend it to seven years, etc. BUT no investigation. I had to file disputes against Macy 's at least 3 times or so and each time it came back however the results say that I'm responsible. I went to Macy 's and had a chat with them 2 different times ( I'm deaf ). I saved the transcript, faxed them to the credit bureaus and nothing yet but XXXX seems like they do want to help. They wrote back and said my fax was too blurry and asked me to send everything by postal mail which I'm going to do today. It would've been much sooner had I not have so many health issues , dr appointments out of town and in town, and so on and so forth. But today is the day I'm getting everything printed, copied and mailed. I just happened to see your site and this is hopefully my nail in the coffin with all my hard work since this all started in XX/XX/XXXX. Macy 's is very uncooperative. They refuse to tell me any type of paper trail of how the transaction occurred, who paid any bills, etc. They did manage to tell me the transaction in XX/XX/XXXX was for a pillow! I said no way would I ever purchase a pillow online,, that is something I need to purchase right there in a store, to feel it to see if it's comfortable, etc. The chat agent hurried up and disconnected before I had a chance to tell her no, I can not call that number I am deaf. Then I inititated another chat right away to say just that and the next agent did the very same thing, cut me off while I was saying hey don't do that to me! So the credit bureaus were NOT investigating at all, just going by Macy 's word, and Macy 's never cooperated and still isn't. Meanwhile, my credit score has taken a major plunge. This has been a total nightmare. I had just built my credit score up to close to 700, now it's down somewhere in the 500 's, I don't even want to look at it, it makes me sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : Experian has one time to get this right before I file a lawsuit against them. I was finally able to pull my report. I have never had any accounts with XXXX XXXX XXXX XXXX or XXXX XXXX. I have never had accounts with them at all. I will be updating my police report, but until then I need these removed asap. These items are not mine and are fraudulent and they are hurting my credit score and my score with other creditors that I pay on time. I need them removed asap. These are items that have been removed once before and they have added them back on. This is unacceptable and I will file a lawsuit asap if they are not removed immediately.
Product: Debt collection

XXXX XXXX filed a {$410.00} debt on my report that is not mine. It has been years since I 've had XXXX and when i left they took the full amount out of my account for my remaining balance. this is a mistake and should n't be on my report.
Product: Vehicle loan or lease

Number XX/XX/XXXX Date Generated General Account Info Account Name GO FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Repossession. {$12000.00} written off. {$12000.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX XXXX XXXX   {$0.00} Original Balance {$12000.00} Highest Balance {$0.00} Terms 72 Months On Record UntilXXXX  XXXX I spoke with this company numerous of times about hardship before they basically rejected my payments they sent me letters constantly called me and talk with me and i communicated with them i even sent them my XXXX papers and my laid- off papers explaining to them they can give me another week i can have my payments caught up even the week before they came pick up the car they had my debt card numbers and my checking account numbers i had set up numerous of payments arrangement made arrangements with customers reps and they still sent the towing repo man out to pick my car up they told me they didnt want ant money from me unless i had the XXXX for the car in full on my old phone that got destroy. I recorded the conversation with the lady that told me i can pay half and they will give me time next thing i know the repo man was knocking on my door coming to my job i was leaving the doctors appointment getting my check up from whre i had XXXX and i even explain to him showed him that i had the money to get caught up on my payments and he said well please called them and try to work something out i want take the car this time the next day after speaking with again trying to work something out they wanted me to come up with XXXX in 24 hours thats the only way i was able to keep the car and then i try reaching out to this company they tell me sorry its under new management they dont see my account but still reporting it to the agency
Product: Credit reporting or other personal consumer reports

1st box answer : My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Credit card

Capitalone is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). I did make a payment in the amount of XXXX, however, a stop payment had to be placed due to insufficient funds. My paycheck amount this week is lower than usual due to a payroll discrepancy, a stop payment had to be placed as the payment was already in process.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018, EQUIFAX is SOMEHOW keeping a FRAUDULENT address on my credit report, None of the other CREDIT REPORING AGENCIES, XXXX OR XXXX have this address on my reports as you will see with the ATTACHED PDF DOCUMENT. I am DEMANDING that they PERMANENTLY REMOVE this FRAUDULENT address from MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Again, the above is an ADDRESS I never lived! & needs to be PERMANENTLY DELETED!
Product: Debt collection

The offices of Berlin-Wheeler ( XXXX XXXX, XXXX, KS XXXX XXXX ) have been harassing me about a debt from a cable company ( XXXX XXXX ) that I last paid on in XXXX XXXX. Pursuant to Kansas law 60-511, the statute of limitations expired in XXXX XXXX.
Product: Credit card

I applied for a capital one spark credit card because the commercial showed business owners using it to get cash back. It was a Visa card which I have to have Visa because I use at Costco. They only take Visa. So I spend XXXX a year the XXXX percent back is XXXX. After using it for 8 months or so they changed my card to a MasterCard so it is useless to me. Whereas a friend of mine still has a Visa and his was never altered/changed to Master Card. This is clear bait and switch. They will not let me have a Visa anymore.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.