23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage has been with Seterus for a number of years ; I did n't " chose '' them -- they took over an existing loan. I have had minor problems with them in the past but recently they did not send me my bill until shortly before it was due. As a result, I neglected to make a payment until the last minute ( not intentional -- I was just used to receiving the bills well in advance of the due date ). In XXXX instances, I tried to make the payment online but was unable to do so due to technical issues with their site. When I called in, they let me make a payment over the phone but charged me extra. Even though I complained about this the first time, it happened again with respect to the bill due in XXXX. When I called in, they let me make the payment over the phone but insisted that I pay the surcharge. When I complained they said they would drop the surcharge from {$10.00} to {$5.00} XXXX which is what the website would have charged XXXX but, infact, they charged me {$10.00}. So, my complaint is regarding their negligece, their tardiness, the difficulty of using their website, their inconsistency, and the fact that they did not do what they said they would with respect to the surcharge. I think they are incompetent and are gouging me. Loan number is XXXX, Their phone is XXXX. Fax is XXXX.
Product: Money transfer, virtual currency, or money service

I bought concert tickets from two different sellers using two different types of digital wallets on XX/XX/XXXX. The first seller told me she was refunding me after finding a higher bidder for the concert ticket I had already purchased. I had sent them two transactions of {$100.00} each through XXXX XXXX on two different accounts they had. The second seller I sent {$190.00} through XXXX. She accused me of opening a dispute with XXXX and never sent the ticket or refunded me after saying she was canceling the tickets. 

I was unable to report this transaction on XXXX as fraud/scam due to it being a friends and family transaction. The XXXX XXXX transactions have been reported.
Product: Credit reporting or other personal consumer reports

various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am having a problem with XXXX XXXX XXXX reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/2017, XX/XX/2017 and XXXX XXXX, XXXX and XX/XX/2017 is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX report you reporting my account was on time but XXXX and Equifax you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX for Account : XXXX  XXXX  ( Account # XXXX ) Specifically, XXXX is reporting the account as " Pays as agreed '' but also indicates it is " 90 days past due. '' TransUnion is reporting the account as " Paid or paying as agreed '' while also listing it as " 90 days past due. '' XXXX is reporting the account as " Account paid satisfactorily '' with the note " No update received. '' These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and XXXX, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect
Product: Mortgage

Ocwen is a Servicer on this loan. Loan # XXXX. Borrower XXXX XXXX. Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We are in the process of negotiating a short sale on the property, Ocwen presented a counter offer, I have submitted documents from the buyer accepting their counter offer at Fair Market Value. On Friday assign negotiator told me that postponement of trustee sale scheduled for XXXX/XXXX/16 has been approved and we are just waiting to find out when is TS is rescheduled for. Today Ocwen notified me that postponement has been denied. This is a double trucking and violation of CA XXXX of rights. Please help to stop TS so we can complete Short Sale. My phone number is XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously attempted to resolve the matter of a public record unlawfully reporting on my credit report. The courts nor the state no any government body, FURNISHES DATA to any of the 4 major credit bureaus.

That is due to a 3rd party who I DID NOT AUTHORIZE to pull any public record with my name to sell that information to any organization nor share it with any organization. 

Anyone or Company who wishes to see a public record bearing my name needs to travel to the courthouse to view it in PERSON THEMSELVES if the matter is that important!!! 

Furthermore I opted out of XXXX XXXX and suppressed my personal information from being shared on the web or sold for profit. 

This is my last and final attempt and next I will file a lawsuit against Equifax.
Product: Credit card or prepaid card

I applied for Capital one Secured Credit card. with an opening deposit of XXXX funded by XXXX XXXX XXXX account around XXXX XXXX. Capital one Approved my Application. They processed my opening payment. XXXX  XXXX XXXX approved the payment. Capital one then Put a 10 day hold on funds before sending out my card. XXXX XXXX I received the card. I activated card and used card, XXXX XXXX XXXX  .Capital one Restricted MY account. I was put through Identity Questions, i was cleared and accepted and account was restored. {$600.00} charge posted to my current balance. I paid {$600.00} XXXX XXXX. Capital one then placed a 5 day hold on payment. XXXX XXXX the hold was removed released my payment capital one Then restricted my account again. XXXX XXXX XXXX, i was asked series of questions i was told i needed to buy a phone in my name with a billing address that match their verification system the outcome of that i was told they will restrict my card at any time. i told them i have cricket non contract prepaid {$60.00} month to month phone with personal information like my name and my current address with my phones documents. But i am able to receive my capital one daily spent alerts on my text message, i enrolled in capital one app and was verified with my phone to register it with capital one mobile app. I was successful enrolled.2 -3 day deposit trail was processed to XXXX XXXX XXXX for verification of authorized user of account.The verification was validate and verified to capital one. XXXX XXXX my account was released from restriction. and then placed back on restriction. I was told they needed bank statements, ownership of account with bank. I provided capital one what they requested. Capital one demands outrages and violate my privacy with my bank. I have NONE RETURN PAYMENTS. I PAID MY FIRST PAYMENT EARLY. ALL PAYMENTS WAS PLACED ON 5 DAY HOLDS. AND RELEASED. I WANT CAPITAL ONE TO GIVE ME MY MONEY BACK AND CLOSE MY ACCOUNT. THAT AMOUNT IS {$440.00} THAT THEY ARE JUST HOLDING WRONGFULLY DEMANDS VIOLATING PRIVACY MISLEADING AND ODD VERIFICATION STEPS THAT REALLY PHONY SEEMS FAKE I PROVIDED ALL APPROPRIATE DOCUMENTS THEY NEED TO SEND ME MY MONEY.
Product: Money transfer, virtual currency, or money service

I was closing on my house, ( selling ), and called my bank, Bank of America, for the wiring information to provide to my attorney. They gave me the info and had the attorney wired the proceeds, ( via XXXX XXXX XXXX ), where they told me on XX/XX/21. As I did not see the wire hit my savings I called on numerous occasions and was told it was in a general ledger business account, then told it was not there. Got a different answer every time I contacted them. I had my attorneys bank put a recall on the transaction on XX/XX/21 and just spoke with my bank and they said they never received a recall. I have wire transaction numbers and am getting nowhere with the bank. Even spoke with a supervisor who just pawned me off to someone else. Its quite a bit of money for a retired person and I need whats rightfully mine.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a notification from the credit bureau that my credit line on my XXXX XXXX card decreased from {$460.00} to {$240.00}. This is the second time my credit line decrease without me being notified by the store. I have noticed a pattern in their activity. Whenever I pay my bill down they subsequently reduce the credit line to the new balance as if they at gradually trying to close my account. Im ni sire why. My credit score is higher now then it was when I initially got approved. My male counterpart is a XXXX male we started out with the same credit line- he pays just as I do because I pay the bills and there has been no change in his credit line. Also they never send notifications as to why- when I call they read me the statement but somehow the physical letter never reached my home address. Of the typical price range of products is $ 60-200, what are they conveying my purchase power is only to buy one item based on demographics, race, age etc? I want to know why and I do not want a generalized answer because that will not suffice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, LVNV FUNDING LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$1700.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$6000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, Highest Balance {$1700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$4100.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$2000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$5000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$4500.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$1000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

Synchrony Bank Care Credit which is to pay for medical related bills. They are requesting I pay a minimum due amount of {$30.00} on or before XX/XX/XXXX. If I refuse to pay the minimum, I will be accessed a late charge. The issue with this is on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I submitted payments of {$50.00} each time. I have other credit cards and I always pay more than is due or pay the full amount. I pay forward and there should be absolutely no reason for me to pay any minimum due when I have already satisfied the {$30.00} payment for XXXX. They are threatening to charge me late fee interest which is absurd! My credit score is just over XXXX and this rinky dink company wants to blemish my credit history. My balance on this account is only {$210.00}. I will make additional payments during the month of XXXX and likely pay the remaining balance. The full balance is due XX/XX/24 ... Why continue to send me a statement for money they have already received???
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following XXXX companies have fraudulent information, wrong personal information : TransUnion : NAME should be " XXXX XXXX '' PREVIOUS ADDRESSES : I do not recognize those addresses EMPLOYERS : XXXX XXXX is not correct XXXX  : ALSO KNOWN AS : I am not known by any other names other than my actual Name which is " XXXX XXXX XXXX XXXX I am NOT " XXXX XXXX XXXX '' or " XXXX XXXX '' DATE OF BIRTH : should be XX/XX/1995, not just " XXXX  '' PREVIOUS ADDRESSES : I do not recognize any of those addresses XXXX : XXXX : should be " XXXX XXXX XXXX XXXX XXXX i have no former names EMPLOYERS : XXXX XXXX is not correct All of this incorrect/fraudulent information is hurting my credit report and not allowing me to qualify for mortgages or anything. This false information also is making Charge-Off accounts to remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX States that I owe approximately {$1800.00} to XXXX I have not had a XXXX XXXX XXXX XXXX when I returned home from my XXXX to XXXX. I had my account closed with XXXX XXXX XXXX  and my account was in good standing at a XXXX balance. I do not know where this company got this information from but its wholly inaccurate and wrong. I received a letter from this company approximately 4 to 5 months ago and responded with my statement saying that I do not owe any money to XXXX  The company in question ignored my statement and filed this collection on my credit report wrongfully.
Product: Debt collection

I have been receiving multiple phone calls every week for the past few months for a different individual that I have told multiple representatives from the debt collection company that I am not the person that owes the debt and they have the wrong number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I would like to know why is my credit score so low on my Exqufax report vs the other 2, i have filed many complaints against this company about there reporting practices, i really don't trust the accuracy of Equifax reporting looking at the fact of how they botched so many people credit report a couple years back my credit score has never been consistent with the other two bureaus ever since I have been following my credit report my score never rises versus the other two credit bureaus is something very off with Equifax and I really don't trust them
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have been reporting first progress on my credit report. This account is not mine and is a result of identity theft. They are reporting a high balance of {$270.00} and late payments. For one how can a card be reported as a {$200.00} limit but reporting {$270.00} for a high balance. This is a violation on so many levels. This account is not mine and is affecting my credit worthiness keeping me from obtaining credit in order to provide for my family. Not to mention I never authorized the cra to report this account.
Product: Credit reporting or other personal consumer reports

According to my credit reports with all three bureaus, there are several inaccurate payments reporting on my account with XXXX XXXXXXXX XXXX XXXX XXXX  XXXX that are affecting my credit negatively. All three bureaus are reporting inaccurately and showing no data for multiple months which is invalid. Below are the laws that were broken by the creditor and when asked to update reporting they have failed to do so therefore I am requesting that all three bureaus update late payments to paid as agreed or mark them as current. 
According to 15USC 1666b. Timing of payments ( 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. 
I was not given this information 21 days before the due date via email or mail. 

15USC 1681a. Definitions ; rules of construction ( 2 ) Exclusions.-The term " consumer report '' does not include- ( A ) any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15USC6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Checking or savings account

I received an email on XX/XX/22 from Bank of America that an account was being opened with my information. I forwarded this email to their fraud department per the instructions online. 

I received another email XX/XX/22 that an account had been successfully opened on Bank of Americas website. I called the BOA phone number and they connected me to the fraud department, who said they couldnt do anything without my full SSN #. I didnt really want to provide it, especially since my information seems to be compromised. They said they couldnt do anything about the fraudulently opened account without it. I dont live near a BOA and do not have the ability to visit a branch. 

I work at a bank and I asked them how someone could open up an account without proof of identity or address. I asked if they required a photo ID or proof of residency, and they said no. I had to prove MY identity, but the fraudster was able to open an account without being asked to prove theirs. They got the account closed after I finally gave them my SSN, but it was all around a poor experience. They didnt flag my information after o forward the first email to the fraud department and someone was able to open an account.