23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In reference to case # XXXX, Seterus made inaccurate statement when it stated that escrow account was open by XXXX Mortgage. It was never open by XXXX. An escrow account requires payment of principal, interest and taxes. I never paid taxes to XXXX Mortgage. Payment records shows that. In fact, even after it is transferred to Seterus, first few months I paid only the principal and interest. Therefore, there was never an escrow account when XXXX transferred mortgage service to Seterus. 
As per loan modification, all the documents signed are null and void, because loan modification never went into force. 
In any case, the original act by Seterus to set up an escrow account caused financial stress resulting in the damage of credit and unable to take advantage of low interest rates, resulting in serious financial losses.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit card or prepaid card

On XX/XX/XXXX I found out that my XXXX Credit Card limit had been dropped from {$1800.00} to {$100.00}. I had just completely paid off the credit on XX/XX/XXXX. I have never missed a payment, never been late, yet my reward for paying off my credit card was for XXXX XXXX. This is actually the 2nd time XXXX XXXX has done this to me. On another account they lowered my limit from {$2500.00} down to {$1500.00} even though again, I have never missed a payment, and that card was completely paid off. My credit score is at the exact spot it was when XXXX XXXX issued the cards to me.
Product: Money transfer, virtual currency, or money service

I met this girl online. She approached me on XXXX XXXX. She said she had an aunt who worked for a company that did foreign exchange when the market looked good. 
She had me start off by chasing out some XXXX  that I had, the money would go to XXXX, XXXX and then send it to XXXX wallet. Once it was in the XXXX wallet, she had me click on a XXXX XXXX to open that screen and click on the XXXX  that said XXXX. After I had put about {$3500.00} into XXXX and made money, the girl said that I could make more money if I did a wire transfer ; we could even make more money. I went into XXXX XXXX, to make my first wire, but XXXX XXXX  said that they would not do it, it could be a scam. 
On XX/XX/year>, I went into Wells Fargo to see if they would. They asked a couple of questions about the wires I needed to do. I showed them how I would move to the XXXX wallet and how it was growing in the XXXX XXXX  of the XXXX wallet. We sent {$15000.00} to XXXX in XXXX XXXX, CA that day. 
On XX/XX/year>, I went into Wells Fargo because I was instructed to wire {$20000.00} to XXXX XXXX Once again, it went to XXXX  XXXX XXXX XXXX XXXX CA XXXX 
On XX/XX/year>, I was instructed to wire {$40000.00}, but this time, it was wired to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
On XX/XX/year>, I went into XXXX XXXX because I was instructed to wire {$60000.00} this time. They instructed me to wire it to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 
I would also like to point out that the last time I was at Wells Fargo, I showed them how it had grown, and they asked if they could have someone from Wells Fargo call and talk about how to invest the money I would be getting, they give me his name, but he also call me about setting up an appointment. His name is XXXX XXXX ( XXXX ) XXXX. E-mail : XXXX. 

I would like you to see the letter for more details. 
Thank you. 
XXXX XXXX
Product: Debt collection

I do not have any idea why this company is trying to collect money from me. I do not owe them any money nor any of the companies that they collect for.
Product: Credit card or prepaid card

I have a credit card account with PenFed Credit Union. Account ending in XXXX. On XX/XX/2023 I received a monthly statement with a statement balance of {$10000.00}. Because this balance exceeded the credit limit on the account, PenFed deactivated the card so no further charges could be made. On XX/XX/2023 I made an online payment from my personal checking account with XXXX XXXX for {$10000.00} to this PenFed credit card account. PenFed records show that this payment was received and credited to my account, my credit limit was increased, and the card was reactivated and used to make purchases. XXXXXXXX XXXX records show that this payment was withdrawn from my account and the transaction posted. On or around XX/XX/XXXX, my card stopped working. On XX/XX/2023 I spoke with PenFed Member Services who confirmed the payment was processed and received by PenFed from XXXX XXXX. I was further informed that because the payment amount exceeded my total credit limit, their policy was to hold the payment funds for 7 days before releasing them and applying them to the credit card account. I was told my card would remaining deactivated until XX/XX/2023, at which time the funds would be released and payment applied. When I asked if PenFed had received the funds from XXXX, she said yes. She repeated that they were holding the funds and would not apply them to my credit card account until XX/XX/2023. At that point I became concerned that PenFed was holding my funds for such a long period and asked for a supervisor. I was told a supervisor would contact me, but no supervisor has returned my call. I called XXXX XXXX, who confirmed that the payment transaction for {$10000.00} had posted to my account, the funds had been withdrawn, and were sent to PenFed. At this point my credit card remains inactive, PenFed has confirmed it is holding my funds, and will not release them for application to my credit card account. It does not seem appropriate for PenFed to receive and accept a credit card payment on my account, then reactivate my card for use, then deactivate the card and hold my payment for 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Sheffield Financial Corp located in XXXX, NC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Sheffield Financial Corp has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing inaccurate reporting on my credit report. LVNV FUNDING keeps saying I owe a debt, but I've never done business with them or XXXX XXXX XXXX.The account number is XXXX. I've sent certified letters requesting this company to adhere to The Fair Credit Reporting Act Sections 609 and 611, which state they have to validate that this debt actually belongs to me by providing the original contract bearing my signature and my social security number etc and how the debt was verified. They've yet to do so because they don't have this information. 
I DO NOT WISH FOR ANYTHING TO BE VERIFIED VIA E-OSCAR! 

They tried sending an invoice that doesn't include any information that is necessary to validate this debt by law. At this point, it's harassment, and I'd like this inaccuracy removed off my credit report.
Product: Debt collection

This letter is being sent to you in response to a listing on my credit report. This not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to reque validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that! have some contractual obligation to pay you.
Product: Debt collection

XX/XX/2018 Date of Service, {$960.00}, Car Accident Claim. The Atty XXXX XXXX has been in contact with XXXX  involving this bill. The last communication was XX/XX/2018 and prior to that XX/XX/2018. The company gave this bill to a debt collector XXXX XXXX XXXX XXXX. This company reached out to me by letter dated XX/XX/2018. I received the letter XX/XX/2018 and immediately contacted them on XX/XX/2018. I asked them for validity of the claim. I did not receive 30 days to dispute this claim. On XX/XX/2018, this was placed on my XXXX credit file. It brought my credit score down by 38 points and then they flagged it on XX/XX/XXXX bringing ANOTHER NEGATIVE posting on my credit. The representative stated they did not know this was a medical claim and when I asked them to removed the claim they denied it stating they would have to speak w the customer. Spoke w XXXX today and the representative told me on XX/XX/XXXX after me speaking with XXXX  told me the account was in review and debt collection should cease. My attorney in turn reached out to them and they still refuse to remove this from my credit. In turn, my insurance stated I owed {$520.00} and I in turned paid that amount to try and close this situation. I spoke with XXXX XXXX today from XXXX XXXX and they state the debt has increased to {$1000.00}. Please assist.
Product: Credit card

The Bilt card is advertised as a credit card that can pay the rent of the credit card holder and earn points on a relatively large expenditure every month. At issue here is that it also advertises paying the rent transaction fee so that renters don't have to pay it ( I have screen shots of one particular advertisement online but also its advertising campaigns broadly advertised this feature ). I asked Bilt 's online " customer service '' which is nothing but a " AI bot '' incapable of forwarding me to a human representative why my rent fee was not paid for, and it responded that it is because my rent fee is not included in the rent and as a result does not qualify. This is not in any of the disclosures and runs counter to the advertising which does not have any disclosed exception. Furthermore, the reason my rent fee happens to be apart from the rent is because my landlord uses a major transaction processing company, XXXX. Therefore, it would seem that the exception that Bilt is providing is a major exception to a large component of renters who are subject to XXXX. Lastly, I asked for all credit card disclosures from the AI bot, but it was unable to provide me with them. I have screenshots.
Product: Debt collection

Been trying to settle this debt for like 2 years now, been writing letters trying to call but no luck and they are still reporting on my credit 7 years later. I recently had a financial team working on my credit and they were trying to move forward with suing me.
Product: Credit card

On XX/XX/XXXX, I made a reservation via the Capital One Travel portal for the XXXX XXXX XXXX XXXX XXXX ( confirmation XXXX ) for check in on XX/XX/XXXX and check-out on XX/XX/XXXX. This reservation was for two Double Rooms ( non-smoking ) and booked using the Capital One Venture X. 

On XX/XX/XXXX at XXXX XXXX  ( local time ), I checked into the hotel but was told by the front desk staff that the reservation was for two smoking rooms and that we would be assigned to two smoking rooms. I pushed back, noting that I had reserved a non-smoking Double Room and requested this. The hotel said they could give me one non-smoking room, but there was no availability for a Smoking room. The front desk staff also showed me my reservation on their system, noting that a Smoking room was reserved. They were unreceptive to my concerns that I had originally booked a non-smoking room on the Capital One Travel portal, and they declined requests for compensation and room changes. They also noted that I could choose to cancel the smoking room, but would still be responsible for the cost of the room as the reservation was non-refundable. 

I called Capital One XXXX at XXXX XXXX  to discuss the situation, first seeking verification that I had, in fact, reserved a non-smoking room. The agent and I agreed that this is what I reserved. The two options for reservations for Double Rooms include Double Room and Double Room, Smoking Allowed. ( see attached screenshots ). The agent noted that the original reservation was, in fact, for a non-smoking room, and we are confused as to why the hotel is not honoring this request. This is of particular importance to me as a member of my traveling party is allergic to smoke and living in a smoking room would pose a significant health hazard. 

I requested a refund and compensation from the agent but she said that Capital One can only provide a refund if the hotel agrees to it. Since the hotel staff refuses to even acknowledge the original non-smoking reservation, they will not provide the requested refund. This is disappointing, as I explicitly booked two non-smoking rooms and my request was not honored and I am not receiving any compensation to cancel my booking and stay at a new hotel.
Product: Credit reporting or other personal consumer reports

Subject : ReDispute of Inaccurate Reporting Request for Deletion To Whom It May Concern, I am writing to formally redispute the reporting of the XXXX XXXX, and Perpay accounts on my credit report. The accounts are listed as " Profit & Loss Write-Off '', which indicates that the original creditor has already received financial compensation for the debt, either through insurance, tax write-off benefits, or sale to a third-party debt buyer. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to report only accurate, complete, and verifiable information. I am disputing this account for the following reasons : Lack of Accuracy ( 15 U.S.C. 1681e ( b ) ) The status of " Profit & Loss Write-Off '' suggests that the original creditor has been compensated, yet the account remains on my report, creating a misleading and inaccurate representation of my financial obligations. This is inconsistent with accurate and complete reporting requirements under FCRA.

Verification Requirement ( 15 U.S.C. 1681i ( a ) ) I am requesting that you provide documentation proving that this account is still valid, enforceable, and being correctly reported. If the creditor has received financial relief or has sold/transferred this debt, the continued reporting may be deceptive and violate federal reporting standards.

Collection Status Conflict ( 15 U.S.C. 1681s-2 ( a ) ) If the original creditor has charged off this debt and received tax benefits, insurance claims, or financial relief, they can not legally claim the debt remains outstanding under their ownership. Reporting the debt as " Profit & Loss Write-Off '' while still associating it with me without proof of its enforceability raises concerns of potential double collection or inaccurate reporting. 

I am formally requesting that this account be deleted from my credit report if it can not be verified with legally binding documentation. If this information can not be verified, please remove it immediately as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please complete this investigation within the 30-day timeframe as mandated by the FCRA. If the information is not verified, I expect prompt deletion from my credit file.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Mr./ Mrs . 

I am writing you this letter regarding payments that were marked late by your company for the following on the following date ( s ) : XX/XX/year> It is my understanding that per 15 USC 1681 ( a ) ( 2 ) A ) 0 ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the date specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I was told by Tower Loan that I could refinance my loan, giving me back $XXXX cash in my pocket and that would bring my loan current (for XXXX and XXXX payments)- therefore I had the money to spend on other bills. I was told I had to come in the office to sign the necessary paperwork. Once I got there, I was told that was not an option and that I needed to make my payment THAT DAY. I asked if the refinance option offered to me was a way to lure me into the office to get me to try to pay and they said, unfortunately, yes and we do apologize. I left the office. This took time away from my work schedule, and I clearly could have made the payment over the phone IF I had the funds available to me, which I did not!
 I have since made my XXXX payment and as of XX/XX/XXXX I owe my XXXX payment of $XXXX. I told them I would pay this over the phone on XX/XX/XXXX and they agreed that was ok. AFTER I made this payment arrangement, a different employee called me 5 minutes later asking for payment. I told this person I JUST spoke to someone in their office and set up a promise to pay, they apologized and hung up. This is a small office (5-6 employees total, maybe). On XX/XX/XXXX, they called me at XXXX, left a voicemail, again at XXXX and again at XXXX. This is 3 times in less than one hour. On the 3rd phone call, I answered, WHILE DRIVING, which is distracting and explained to them I had told them I was already set up to pay on XX/XX/XXXX and he said if I did not pay today (XX/XX/XXXX) they would increase my monthly payments by $XXXX and report me to the credit bureaus. This is harassing to me, they have lied on numerous occasions and I do not feel they should be able to contact me 3 times in 40 minutes.
Product: Payday loan, title loan, personal loan, or advance loan

Charged more interest and fees to loan without consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I submitted a " XXXX XXXX '' via the website XXXX XXXX to Transunion to remove a closed account under my name for {$2500.00}. I submitted the dispute on XX/XX/2018 and just now received a notice that they completed their investigation on XX/XX/2018. This totals as 47 days. 
From my understanding of the Fair Credit Reporting Act, Section 611, they are only allowed to have 30 days to respond. I did not supply them with additional information within the 30 days of their investigation, which from my understanding, means they did not have the right to include an additional 15 days to their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance {$2.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows I never missed a payment. Please update it immediately. 

XXXX XXXX Balance {$400.00} The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is XXXX mistakes on my credit report! I have highlighted the mistakes. I have also sent 5 dispute letters but there has been no change! I have attached all documents. Thanks.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and Equifax on XX/XX/XXXX to notify them that they were reporting inaccurate information on my credit report. I also contacted discover to double check that my payment history was correct was up to date that i was making my payments on time 100 % they told me everything was up to date. XXXX and Equifax told me that they were going to take care of it but they didn't my refence number is XXXX i also told Equifax about a inaccurate inquiry reporting its by XXXX XXXX. these problems are messing up my credit profile and i need these items fix and updated. below is a screen shot of the reporting errors that i marked up
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report drawn for mortgage loan. 
XXXX, XXXX, Equifax IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where.

Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''
Product: Credit card or prepaid card

I had a BJs warehouse credit card and cancelled the BJ membership. At the same time, BJs switched banks to Capital One and somewhere in the change, Capital One was not aware that my membership was cancelled. As such, Capital One billed me for the membership fees. I called Capital One who stated they did not have a record of my cancellation. I sent documents and communications to no avail.

Now my credit score is being negatively impacted by this mess.
I even called both Capital One and Bjs in a XXXX way call to handle this matter, to no avail.