23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had purchased a used vehicle from a place called XXXX in XXXX, wi. I called the loan company for XXXX, which is universal acceptance car. I kept with contact with the loan company, I was going through financial issues and so I called the loan advisor and had asked what I could do, The guy stated that if i voluntarily returned the vehical that it would not be put on my record and that my loan would disappear as paid. I took the car back in XXXX and gave it back, the lady working that day put it in as a voluntary return. A few weeks later XXXX had called me and told me that I would not be responsible for any more payments since they sold the vehicle. A month later the company went bankrupt and all accounts got closed. After they claimed bankruptcy I was then followed with a Claim of in which the XXXX was sold for. It was not my responsibility to pay for a vehicle for a price that it was sold for. 
Last year I had contacted XXXX XXXX to help me with this situation because it was all in accurate information put on my credit report, they then sold my account to a creditor in hope to claim money that I did not own for a vehicle they sold to someone else.
Product: Mortgage

XX/XX/XXXX we received a supplemental property tax bill from the county ( XXXX County, California ) tax collector. We called customer care at our mortgage company, Franklin American, and the rep we spoke to said to fax them the bill and they would pay it out of the escrow account funds. We faxed it to the rep at ( XXXX ) XXXX, which we subsequently learned was the fax number for that representative and not a general company fax number. This supports our contention that the conversation took place, because we would n't have had that number otherwise. 

Anyway, we assumed that the bill would be paid as they promised, but in XXXX, XXXX we received a notice from the county that the bill had never been paid and was delinquent, and furthermore that we had incurred a late penalty. So we called Franklin American again, and got a totally clueless rep who had no idea what was going on. After several more fruitless phone calls ( and hours spent on hold ) my wife was finally told on XXXX XXXX by a rep named XXXX that a refund check for {$990.00} had supposedly been mailed on XXXX XXXX, which was after the late fee had already been assessed, and to be perfectly honest, I do n't know if they ever really sent it. They had promised to pay the bill last XX/XX/XXXX, and did n't do it, and have made multiple promises to us since then, none of which they 've honored. We have a secure locking mailbox that cost over {$200.00}, so it 's extremely unlikely that any check from them or anyone else was stolen. XXXX also told her that their research department was supposedly working on reimbursing me for the late penalty XXXX {$37.00} ) and that it would take 10 days. We 've heard nothing about that since, either. 

My wife told me what XXXX had told her and asked me if I ever saw the refund check. I told her I had n't, and would certainly remember a check that large. On XXXX XXXX my wife called back and spoke with a rep named XXXX, and told him we never received the refund check. He requested a new one. He also requested for it to be sent by overnight mail. He said it should take less than a week to get it to us. 

A week later, on XXXX XXXX, still no refund check. My wife called yet again and spoke with multiple people - XXXX & XXXX in customer service, and then XXXX the supervisor about 45 minutes later. End result of that series of conversations was that the check had been cut, but had not been overnighted and instead was being sent regular mail, and was supposed to arrive by XX/XX/XXXX or XX/XX/XXXX at the latest. Our escrow balance was {$1300.00}, an amount which reflected the {$990.00} refund already being taken out. 

Anyway, It is now late on the evening of XXXX XXXX, and we still do n't have the refund check that was to have arrived by last week at the latest. In less than 2 weeks the second installment on our supplemental property tax bill will be delinquent as well if I do n't pay it. I need to come up with {$610.00} by XXXX XXXX, and Franklin American is still sitting on almost a thousand dollars of my money and playing games with me. 

I have attached a copy of the delinquent tax bill.
Product: Mortgage

I as many times since XX/XX/XXXX to today XX/XX/XXXX asking for modification for my mortgage but the answers its bogs lol this time the reason is as the letter on the attachments, after carefully reviewing the info ... ... ... ... ... ... ..still do not meet the requirements for the loan modification, but the different this time did not add the reason in the decline later, because, this time i flow all the requirement as book, they have no reason at all to decline, i been told on the phone and i asked for the recording copy ( declined this request too ) the property is vacant, i send fax of my driver license and car registration and electric and gas bill for this property, LOL still decline. I START TO SEE CLEAR THE SITUATION IS XXXX AND HARASSMENT TO PUSH ME TO DO SHORT SALE TO GET READ OFF THIS MORTGAGE. I think not the time yet to get you to curt i will in the right time. 

Notes I didn't hide any info in the letter because i like people see the truth.
Product: Checking or savings account

On XX/XX/2020 my account showed like unauthorized transactions where credited back to my account, however they never actually posted as a positive balance its like a ghost transactions. One for {$59.00}, {$19.00}, $ XXXX.I calculated the amount based on the direct deposits I received. Anytime that i get a deposit or a positive  balance I get email but no emails for these.
Product: Credit reporting or other personal consumer reports

I called XXXX because on my report, it said I have a deliquent payment for them. I did not take out a loan through XXXX, so I called, the lady on the phone, said the last payment was made XXXX of XXXX, while the report on my credit report said the last payment was made in XXXX of XXXX. She said the amount paid was around {$900.00} and on my credit report, it says the last payment amount was {$300.00}. She also told me that this loan was transferred from XXXX, in which is a XXXX provider for those who reside or have resided in the state of PA. I have never resided in XXXX She was unable to give me any information on who made a payment, or what account made a payment from. She was unable to give me any information other than my name and address and phone number that tells me that this loan is accurate.
Product: Debt collection

This is fraudulent debt made the credit score drop XXXX points. There has been no written notice or verification of this debt It does not belong to the issuer of this complaint.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

HEADWAY CAPITAL XXXX
Product: Debt collection

The company, Portfolio Recovery Solutions, has been making multiple calls within a day and easily goes over the maximum of 7 calls within a week. They are also trying to collect on a debt that is over 4 years, which is the statute of limitations in the state of California. I called today, XX/XX/XXXX at XXXX am XXXX, to request they cease all calls and stop pursuing collection on this expired debt.
Product: Mortgage

My mortgage monthly payment was Increase and tthey refuse to give explanation on why. My property taxes has went down as well as the PMI. On several occasion I have requested an Analysis of my escrow account amount but the company has refuse to do so.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit fileXXXX XXXX XXXXXXXX Balance : {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint due to the lack of communication on the construction loan XXXX that I had with XXXX XXXX XXXX. Our commercial loan officer was XXXX XXXX XXXX we meet with him at the bank about the loan in XXXX CT. We closed on the construction loan in XX/XX/XXXX for a 1 year construction loan with 2 6 month extension if needed. We started construction and everything was going fine. We had know problem making the loan payment because they came out of the checking with XXXX XXXX XXXX automatic. Due to changes in construction and weather we had come to the anniversary date on the construction loan and need the extension for 6 months. We reach out to XXXX XXXX early in the process to get it done so there was know problem with the loan. We than go the paperwork in the mail showing amount due on XXXX XXXX XXXX we were not done with the house. We reached out to XXXX XXXX about it and he said they were working on it. He would get back to us with something by the end of the week. We reach out again he said that they would have it done by early next week not to worry about it. We got the paperwork work late from them and than they put a late payment on my credit. We called XXXX XXXX about it and he said that should have not happen and he would take care of it for us. We tried and tried to get this fixed with him and XXXX XXXX also from XXXX XXXX XXXX she was our mortgage officer for the end of the loan when it was to go to a first mortgage on the property. We reach out to XXXX XXXX again after we closed on the mortgage to get this fixed he than at that time said to us that they can not fix it because they have an A rating an it would not look good for them. I said over and over to him you said not to worry about it you would fix it. He reply sorry he can not fixed it. I can not believe that after all this that was his comment to us. Not good business practice. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same loan }
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on my credit report I did not give permission for XXXX XXXX XXXX to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with XXXX XXXX # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX that I guess sold this Unverified account to XXXX XXXX # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally XXXX XXXX substantiate account data XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.
Product: Debt collection

The original debt was {$400.00} in XXXX from MoneyKey. It was charged off and sold to XXXX and XXXX collections. They have reported to the credit bureaus that it is {$780.00} and the debt is from XXXX. I disputed through the credit bureau and XXXX XXXX responded that what they say is accurate but I have the original documents that say otherwise
Product: Credit card

Capital One did not charge to correct bank accounts on my XXXX XXXXXXXX card and violated the new max fee limit established by cfpb legislation back in march by charging excessive XXXXXXXX XXXX fees and XXXX dollar late fees multiple times on my XXXX  XXXX card
Product: Debt collection

On XXXX XXXX, XXXX, I received a court summons that I am being sued for a XXXX time for a credit card debt sold to a law firm that specializes in debt collection. The first case was dismissed. The summons states that they gained possession of the debt in the same day the bank charged it off, XXXX/XXXX/XXXX. It also falsely states that I had made partial payments towards this debt that has been received and credited during this period with last payment made to law office XXXX/XXXX/XXXX. I was unemployed during that period of time and financially unable to make any payments to the credit counseling service that I worked with in XX/XX/XXXX to resolve my debt issues. My question is does the statue of limitations apply during the XXXX years that my account was sold to the collection agency? Is Howard Lee Schiff, LLC violating my consumer rights by re-aging a debit for the same party that sued me previously dismissed by the same court I must appear in front of again : XXXX District Small Claims Division on XXXX XXXX, XXXX? Massachusetts XXXX XXXX, XXXX XXXX, XXXX XXXX states that I must be sued within XXXX years after cause of action. I interpret this to be when the debt was purchased in XX/XX/XXXX, not when a payment was last made in XXXX XXXX. Is my interpretation correct? Thank you.
Product: Payday loan, title loan, or personal loan

I would mail my money order in but the loan branch manager would hold it and tell me before she would credit my account I needed to bring in another payment. Which was confusing to me. I would call and cancel a verbal payment and they would put through the payment anyway in order for me not to have the account paid. They would keep changing staff and no one knew what was going on. I had an uncle XXXX in my family explained to them that I was in the middle of XXXX and as of today 's date no one would work with me due to the devastating loss. I tried to get my account current but with no assistance from management. They continue to change staff and no one is ever available to keep proper records nor work with their clients as they should. Management is deliberately putting accounts in default in order to ruin clients that have been paying customers for years. I have had several accounts with this company and they have worked with me in the past but when they changed staff no one seemed to care about the customer and continue to run payments when they wanted and not when they were to hold payments as agreed they continued not to assist causing customers to be frustrated always. The company has been a very good company in the past but as they changed staff things became more of a problem when trying to resolve things.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

Hello, My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from all of my credit reports. 

XXXX XXXX XXXX
Product: Checking or savings account

there is a legal hold on my account due to a judgment I requested a copy of the information concerning the judgment and the supervisor from Capital One Bank Legal Dept by the name of XXXX who refused to provide her last name due to security purpose ID XXXX was not helpful. I asked if there was anything she could do to get me a copy of the information and she refused. When I asked to speak to someone else higher up, she said there was no one else but that was a lie. I was able to call back and got another manager, by the name of XXXX who at least attempted to help me. 

I have been banking with Capital since XXXX  and the way this employee acted was so unacceptable that I am not considering to closing the account and going elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly the coding on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report XXXX The coding on this item is incorrect and stuck in past due status. It is a violation of the Fair Credit Reporting Act and is mandated to be corrected or completely deleted from my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the ( 3 ) bureaus to resolve this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus, filed a complaint with the consumer bureaus, hired an attorney ( XXXX XXXX ) and also filed a fraud dispute with Identity theft. As I have attached prior documents to previous consumer complaints, in reference to XXXX XXXX XXXX XXXX. This account is not accurate and with my information being exposed in several data breaches, Such as my email, previous passwords used, address and job employer information that was also exposed in my credit reports and disputed.There are also several different ways my name is showing on my credit report, which my drivers license only shows one correct name. As someone was trying to previously use my name backwards or leaving out the first two letters to try and apply for credit. The correct spelling of my name is sent with this dispute and that name should only be listed on my credit report, as I only go by that name on my government ID. This current complaint/dispute keeps being sent to XXXX XXXX and with my information being previously exposed and recently observed on my credit file, is why I am now disputing. XXXX XXXX is forcing me to pay an account and this account has accumulated many interest charges, late fees and etc which I am not responsible for. This account was disputed directly with their department and was closed after advising them of this fraud. I was told I will not be responsible for this activity/ account. As they will closed the account for fraudulent activity and the balance was closed with {$0.00}. I am requesting for immediate deletion from XXXX, XXXX  and Experian and any other inquiries associated with XXXX XXXX Services. This account is severely damaging my credit file and has not been resolved. As XXXX XXXX wants to obtain a debt not owed by me. See attachments below.
Product: Credit reporting or other personal consumer reports

My identity was stolen in XX/XX/year> and my bank accounts were frozen. I could not make a payment for a month until the issue was resolved. All other creditors understood this and removed my late payment, but PenFed is not even after disputing for over two years.
Product: Credit card or prepaid card

I received e-mail from Citi claiming that owe on their credit card more than {$1700.00}. The payment is due on the first of each month but I have not received their bill for the month of XXXX. I can not pay the bill which I have not seen. Moreover, I stopped to use this card after realization that the company does not have gift cards that I want or need. I asked them to mail me the bill but instead I received today telephone call with option to pay the bill that I have never seen. Unless Citi mail me the bills I will not be able to pay them nor will I agree to the interest and additional charges for not paying on time.
Product: Credit card or prepaid card

Please see attached for proof of discrimination, fraudulent activity relating to discrimination based on zip code/poverty level and proof of intent to defraud acted by Discover. 

Discover closed my account prior to the year contract for no reason in an attempt to charge additional fees and interest rates that were never outlined in any contract. Discover perform actions that caused me severe harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT.
Product: Credit card or prepaid card

I'm filing a complaint against Capital One credit card service. Capital One closing my account because of 2 paintings that was returned one for {$400.00} the one for {$480.00}, somehow Access my account and added two Banks make payments when I had one bank account login or link to them these two payments were returned what I notice Capital One telling me that my card is restricted I called him right away they're finding me guilty of these two payments of {$400.00} to {$480.00}, The interesting part of her about this is that they're not listening to me okay and they're finding me guilty of something I didn't do I advised them to check the IP address like other Banks do and like the Federal Reserve told me to tell them to check but they refuse to do that so they close the account and want me to pay my bill when they found me guilty of something that I didn't do they're not believing anything that comes out of their customers mouth and I'm not the only one they're doing this really feel like too what what do. Capital One is not considering my import Capital One is not listening like I said Capital One is 20 mi guilty of those two payments my other bank which is tied in or link to Capital One i where I works XXXX, First payment from that bank was returned because they didn't know I had a Capital One credit card and I didn't inform them that I link accounts to make payments but I made good on it I made the {$130.00} payment which came from that bank XXXX Then I made {$250.00} payment and both come from XXXX Bank with no problems. But this XXXX & XXXX and XXXX  XXXX XXXX I never link it and I had to remove it on my own with my XXXX account, Basically Capital One was breached and someone add a new account leave payments in Capital One is not listening to me like I said and not verify the IP address. Plus, twice my account was unauthorize charge and then there reissued a new card.
Product: Checking or savings account

I deposited XXXX cash into my account. The ATM took the money and then the screen read that it could n't handle my transaction at that time. I did not receive a receipt nor did it return my cash.