23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Opened account at Capital one a month ago. Deposited check on XX/XX/XXXX. In XX/XX/XXXX noticed funds not be able to be withdrawn. Repeatedly called Capital one that weekend and week following and got nowhere. I was lied to, hung up on, transferred to nonexistant queues. Got letter today XX/XX/XXXX that funds had cleared, destroy check, spend funds. I activated my debit card which did not work. Called capital one on both my breaks, my lunch, an for an hour and a half after work. No one will give me information on why I can't access funds. No one has sent me anything saying anything other then funds have cleared. So if they cleared what is so important that they would not send me a letter or notification of the actual problem and how to solve it. They are holding my money hostage with no info.
Product: Credit reporting or other personal consumer reports

This is not an error or misunderstandingI have repeatedly found accounts, transactions, and other items on my credit report that do not belong to me. It is extremely concerning and has been a major source of stress and anxiety. These inaccuracies are affecting my financial well-being and creating unnecessary obstacles in my life.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the XXXX XXXX breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) American XXXX XXXX XXXXXXXX bal {$XXXX}, XXXX  XXXX XXXX bal {$XXXX}, XXXX XXXX XXXX  XXXX XXXX XXXX {$XXXX}, XXXX XXXX XXXX XXXX XXXX {$XXXX}, XXXX XXXX XXXX XXXX {$XXXX}. 

Fraudulent Inquires : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Mortgage

DMI, as a servicer for XXXX Mortgage has failed to refund escrow payments in compliance with XXXX within 20 days of the loan being satisfied in full. They refuse to make alternate arrangements for a timely dispersal of the escrow funds and are not providing sufficient information to the Borrower as whether it has met its obligations to provide a timely refund.
Product: Mortgage

Carrington Mortgage Company was sent a payment on XX/XX/2016 from XXXX, XXXX XXXX, however continuously called and harass for a payment that was already received. When I spoke with the representative on XX/XX/2016, I was told they did n't receive the payment for XX/XX/XXXX from XXXX, XXXX XXXX XXXX and that was XXXX 's payment they received for XX/XX/XXXX of {$1300.00}. Carrington XXXX has placed negative remarks on my and my wife 's credit report for XX/XX/2016, and XX/XX/2016 for XXXX problems that were not our fault as too why the payment was late. XX/XX/XXXX 's payment was late due the banking error that they admitted to in a letter that was sent us. I faxed the letter to Carrington and was told no negative remark or late payments will be reported to the credit bureau after speaking with the Manager. XX/XX/2016 payment was late due thier website, we attempted to make a payment several timesmall online but their website would not accept one. We called to get assistance from customer service but was unsuccessful due to the lack of support, inaccurate information being given, and u professionalism not given. When we finally decided to just pay from the checking account their system had a clitch in it and we were held at fault for thier mistakes. Carrington 's website does not function properly and encourages customers to use XXXX however when you attempt to use XXXX, issues such as now occur. The customer service is very unprofessional and rude. When you ask to speak with a manager they place you hold for long durations or disconnect the converstaion. Carrington Mortgage needs to be investigated for fraud and damaging people credit for no reason to lock them in to the loan to prevent them from refinancing with someone else.
Product: Debt collection

Received a letter I owe XXXX XXXX XXXX XXXX Tele Check Services , inc {XXXX} The Collection company is TRS Recovery Services. 

I am XXXX and haver never owned a tractor and live in an apt . 

TRS Transaction # XXXX Reference Number # XXXX They keep asking for my personal information SS # & Bank Information
Product: Credit card

Transaction - Case # XXXX Dear Bank of America Customer Service, I hope this letter finds you well. I am writing to express my disagreement with the recent decision to deny my dispute regarding a specific charge on my credit card account. 
In your response, it was mentioned that XXXX on your account history, this charge is consistent with previous charges with this merchant. While I understand the importance of analyzing transaction history, I would like to bring to your attention that the particular charge in question was not authorized by me. 
I discovered that charge on my credit card statement that I did not authorize or recognize. After thorough investigation, it has become evident that this transaction was not initiated by me, and I believe my card information may have been compromised. 
The circumstances surrounding this transaction have raised significant concerns about the security of my credit card. I firmly believe that my card may have been used by someone without my consent, leading to this unauthorized charge. In light of this, I felt compelled to dispute the transaction and subsequently canceled my card to prevent any further unauthorized activity. This unauthorized transactions have caused significant financial strain, and I am eager to resolve this matter promptly. 
I am fully committed to cooperating with your investigation and providing any necessary information to clarify the nature of this dispute. The unauthorized use of my card poses a genuine security risk, and I believe it is crucial to address this matter promptly. 
I kindly request a thorough reconsideration of my dispute, taking into account the potential unauthorized access and the need to protect the security of my financial information. Your understanding and prompt attention to this matter are greatly appreciated. 
Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 months I submitted and sent in numerous dispute investigations to XXXX, Transunion, and XXXX about the inaccurate and false accounts that I allegedly owe. All agency tell me that they contacted the collector and it is verified. I asked numeroud of times to send me actual documented ( Signed ) proof of these alleged accounts and they never do. Per the FCRA if the disputed accounts are not properly investigated with documented proof of my signature and data the it MUST BE DELETED!! ALL AGENCIES FAILED TO COMPLY. 
Below are the accounts i filed for disputed and that were inaccurately investigated : TransUnion : XXXX XXXX XXXX {$550.00} XXXX XXXX  {$220.00} XXXX : XXXX XXXX {$1800.00} XXXX XXXX {$550.00} XXXX : XXXX XXXX   {$1800.00} XXXX XXXX XXXX  {$550.00} XXXX XXXX {$220.00} The above accounts were NOT VERIFIED CORRECTLY. Per the FCRA they can not verify consumers accounts by the collectors saying its accurate, VALID PROOF should have been investigated then they would have realized these accounts ARE NOT MINE. My next step is to file legal actions against the 3 agencies, i am a litigious consumer and i have all rights to fight for this.
Product: Mortgage

My mortgage company will not give me a reason why I can not use the " Making home affordable Program '' again. By law, they say a person should be able to do this as many time as they need to. The first time I '' did it, they did not lower my payment enough and my interest is over 5 % still. I am XXXX years old and I do not make enough money for all the bills and mortgage and I never get to buy food. Can you please help me?
Product: Credit card

My dentist offered Care Credit which I set up so that the entire balance would be paid in full by the last billing date. Initial purchase appears to be XXXX/XXXX/XXXX but I received no statements until XXXX/XXXX/XXXX which showed that the promotional balance had expired and now my initial purchase of {$1400.00}, of which I paid {$1400.00} as of XXXX/XXXX/XXXX ( billing cycle ), shows a new account balance of {$1500.00}. 
I called Care Credit and they claim that they had been sending statements even though they had the wrong last name and the wrong email address. I feel completely taken advantage of since they finally sent a paper statement after the expiration period.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( s ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute.

Additionally, I am requesting that XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ).

Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Debt collection

I got a first letter a couple of months from a collection agency AssetCare about an invoice that was sold to them by XXXX partners. Before that letter I never heard from XXXX partners. The debt that they are trying to collect is from XXXX and it is for {$1100.00}. I live in XXXX, but in XX/XX/XXXX I was on vacation in XXXX, XXXX and had an emergency XXXX. I went to the XXXX and gave them my insurance information. My insurance processed at least XXXX claims that were presented from the different partners and they covered them and I paid the part that was my responsibility. I contacted XXXX and told them that I was not sure why I never got an invoice from XXXXXXXX XXXX  and why they didn't contacted my insurance in XXXX. 
The insurance company told them that they can't accept the claim because it already expired. 
I shouldn't paid this invoice because someone didn't do their job and send the claim to the insurance or tried to contact me in the past. I called the billed surprise office but they can't help since the law was approved for invoices that were issued after XXXX and this one is from XXXX. I need your help to dispute the case because I don't want that affect my XXXX XXXX but also because it is not fair that I got this billed that I didn't know. 
I have been living in my same address since XXXX and I have never received an invoice from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of an account reported on my consumer credit report ( XXXX XXXX account number XXXX ), as governed by the provisions of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. The purpose of this communication is to request an investigation into the matter and the immediate removal of the disputed information. 

The account in question involves a " charge off '' that has been categorized as income by the Internal Revenue Service ( IRS ). It has come to my attention that income is not meant to be reported on a consumer credit report, as it does not comply with the FCRA 's guidelines regarding accurate and fair reporting. According to the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of consumer information, and any inaccurate or misleading information must be promptly corrected or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made so many attempts to have the fraudulent XXXX XXXX XXXX hard inquiry on my Equifax removed. I became aware that I was a victim of identity theft after seeing a hard inquiry on my Equifax credit report on XXXX XXXX, XXXX. I immediately called Equifax to get more information on the inquiry on that day. I was told that I would need to contact XXXX XXXX XXXX to get more information. I called XXXX XXXX XXXX and was transferred to their Fraud Unit. I spoke with XXXX with XXXX XXXX XXXX XXXX XXXX ( XXXX ) and he confirmed that indeed someone tried to not only call in but also use my information online over six times to get cell phone service with them. XXXX XXXX XXXX became suspicious and did not mail out the phones to the criminals trying to use my information. It was too late and an hard inquiry had already been placed on my report. XXXX XXXX XXXX worked with me and even sent out a letter to Equifax and the other bureaus to help combat this problem. After speaking with XXXX XXXX XXXX, I made several calls to Equifax from XXXX XXXX, XXXX to XXXX XXXX, XXXX asking for this information to be removed. I even sent in a letter and attached the letter that XXXX XXXX XXXX sent to Equifax asking that the fraudulent inquiry on my report be removed. I have attached the certified return postcard that proves that Equifax received my request for removal. This is the second time I sent a request to them by certified mail. The first being on XXXX XXXX, XXXX. 

It is my feeling that Equifax is the reason that my personal information was compromised in the first place as I letter received a letter from XXXX. XXXX became suspicious on XXXX XXXX, XXXX that cyber hackers were trying to use my personal information as they tried multiple times via the internet to use my information to get cell phone service. I called Equifax again after receiving the letter from XXXX in early XXXX about this incident. Still Equifax dragged their feet, I feel like a victim twice.I recently became aware by checking Equifax website about their security breach, that my personal information was indeed compromised. 

I feel robbed and I ca n't trust that this wo n't happen again
Product: Money transfer, virtual currency, or money service

We received a hacked email from our contractor. It was his real email address asking to change the final payment instructions to be XXXX instead of check. We sent XXXX via td bank to the scammer. We realized this when our contractor called asking about the payment. The bank is rejecting our disputes.we have sent all paperwork already via the branch manager forwarding to the fraud department. This included the entire hacked email trail and police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit from my bank and they denied it so I was curious as to Why? I find so many fictious accounts open and closed I tried to dispute it with Transunion and there page seems to of a sudden unable to Identify me when they just provided the report to me. I noticed as reviewing the report seems that there are NO ORGINAL CREDITORS trying to obtain anything seems like Third Party all thru the report. I believe Transunion may need to review the Fair Debt Collection Practice Act with all the Violations. They are causing XXXX of My Character and intending to cause me harm to my wellbeing.
Product: Vehicle loan or lease

I have owned a car financed by Honda Financial Services since XX/XX/2021. They have failed to report payments made on this account to reporting agencies.
Product: Debt collection

Velocity Investments LLC, last email sent to me, XX/XX/year> : Third party creditor keeps contacting me about debt from original creditor XXXX XXXX XXXX XXXX XXXX XXXX The information is inaccurate because the debt has been re-aged to extend the reporting period illegally and also the balance reported on the charge-off account is incorrect. 
I am writing to complain about the inaccurate information that appears on my credit report. I have reviewed my credit report, and I have identified a charge-o account that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ). 

I have also reached out to this creditor to inform them to cease all communication with me. 
15 USC 1692c ( c ) that law clearly states : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Mortgage

On XX/XX/31, Mr. Cooper experienced a cyber attack and shut down access to their systems. It is now XX/XX/XXXX, and Mr. Cooper has not updated their website with information regarding the steps they are taking to return to normal operating procedures. They have not provided the scope of the attack, nor any confirmation if data was accessed by the hackers. I can not call, I can not chat online, and the only way I can communicate with the company, seemingly, is by mail. This is an urgent situation that I do not feel the company is addressing in an urgent manner. They are functionally radio-silent on how they are protecting their consumers ' data. I have a right to demand proper treatment of the data they have for me and manage on their systems. Mr. Cooper has the most intimate details of my financial well-being, including Personally Identifiable Information like my address, social security number, and family details. It is utterly unacceptable that a company of this size can treat this information with impunity in response to the second cyber attack in 18 months this company has failed to prevent. It is negligent and morally reprehensible that I can not communicate with this company in a concerted effort to protect my information 's integrity. Furthermore, or perhaps even more egregiously, they have processed my mortgage payment while their systems are inaccessible, without confirmation or assurance that their systems are secure. This is grossly negligent and a cavalier way to treat their client 's rights as consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX  XXXX. Date of inquiry : XX/XX/2021, XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX
Product: Mortgage

We are considering selling our home. Our primary mortgage holder, Ocwen, modified the loan a little over three years ago. This resulted in {$32000.00} of deferred principal that has been forgiven over the last three years. Part of the modification includes an Equity Share Arrangement where we would share any price appreciation with Ocwen. Somehow, the home value was set at {$60000.00} when the modification went through, and the home has never been worth that little. Regardless, the problem we are having is figuring out how much we will need to pay Ocwen if we sell our house. Every time I call, I get a different answer. XXXX person says we will split the profit XXXX, another says there is no sharing because the reduction was forgiven, another told me the only way to find out is to sell my home and see what Ocwen sends me for a pay-off. Unfortunately, I have a second mortgage and sending a bunch of extra money to Ocwen means I ca n't pay off XXXX mortgages, so I ca n't sell my house. I 'm ok with that, except the only way I can find out if that is necessary is to sell my house and see what Ocwen sends me for a pay-off??? Why ca n't someone give me a definitive answer so I can move forward?
Product: Credit reporting or other personal consumer reports

well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous seven attempts, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.Please help me remove these fraud items immediately : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX put a collection on my credit report without giving me a right to dispute. I filed a complaint and they responded by stating they that sent communication regarding an alleged debt. I sent correspondence to them asking for a copy of the letter they sent giving me the right to dispute, as of today I have not received any communication regarding a right to dispute. They are also reporting on my credit report as an installment loan showing a high balance and a low balance and increasing my balance by {$1.00} once and week, then they increased it to {$3.00} within the last couple of days. Collection agencies are not supposed to act as if a person has an installment loan by having a high balance and a low balance, nor charge interest the way that they are which is ruining my credit.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX Balance Owed : {$57000.00}