23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for assistance from XXXX  XXXX XXXX, an HAF grant program, in XX/XX/2022 and was made eligible for assistance in XX/XX/2022. In order to receive up to {$40000.00} in assistance, Specialized Loan Servicing ( SLS ) signed a Collaboration Agreement with XXXX  XXXX  XXXX  on XX/XX/2022, and received credentials to send all necessary paperwork in by XX/XX/2022. 

I've spoken to SLS several times and received conflicting responses about my application; one person said they hadn't received the request for paperwork from XXXX  XXXX XXXX, and one person said they did receive the request from XXXX XXXX XXXX  XXXX XXXX XXXXXXXX said they submitted all requirements and requests to SLS, so I don't why SLS has conflicting responses about my application. 

If SLS doesnt send the requested paperwork as soon as possible, the total amount past due will increase beyond {$40000.00} on XX/XX/2022, and I will be made ineligible for HAF assistance. Further, because Im in foreclosure, SLS pas a policy that wont let me make partial payments to the total amount owed; if SLS would let me make a partial payment, I can keep the total amount owed under {$40000.00} and XXXX XXXX XXXX  can bring the mortgage current. I have provided sufficient documentation to SLS to prove I can make regular monthly payments once SLS allows XXXX  XXXX XXXX  to pay the total amount owed.
Product: Checking or savings account

So about a month ago, I tried to make a deposit at a 5/3 ATM in a XXXX. After putting the money in, the ATM froze on me for about 10 minutes. None of the XXXX employees were able to assist me, and they just told me to call 5/3. The ATM unfroze and went back to the home screen without giving me back the {$40.00}. I checked my account and the money had not been deposited. 
After an hour of calling, I finally was able to submit a dispute and was given a provisional {$40.00} in my account until an " investigation '' was performed. 
3 days ago, the {$40.00} was taken out of my account after the " investigation '' denied my dispute. I called today and they were only able to reopen my dispute which would take 14-30 more days. They did not give me another provisional {$40.00}.
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 been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights 15 USC 1681 section 602A, States I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC ( a ) ( I ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I made a payment to Paypal. At that time the Representative mentioned they had my information on file when i requested it be removed. The Representative mentioned two bank accounts which I used without me providing any information. I requested a manager. At that point in time I made my payment and returned to the issue of my information being on file.

I was told it was not on file. I explained what had been told to me. I was assured again that it was not on file. I requested information to file a regulatory complaint. I as told I could only file a complaint with Paypal.

After disconnecting I called back. I asked to make a payment, I was told none of the information could be seen after a long pose when the agent read the note. I asked if the agent was reading the note from the previous manager. I was told she had not read it yet, but could see a note from my previous call. I requested a manager. 

I requested information to file a complaint and asked for a credit due to the hassle. I was told that both issues had to be researched and would be given a call back. I received a call back and was told the legal department did not have the information for either case. This was the last time I heard from Paypal. They have not contacted me either by e-mail or phone with any further information, leading me to believe they wished for me to delay in researching how to file a complaint on my own until I had forgotten about the issue.
Product: Credit card

I have attempted to resolve an issue with Capital One. I canceled a subscription with XXXX XXXX and Capital One gave me a provisional credit and then they reverse the provisional credit. XXXX XXXX advised that capital one charge that back from them and they dont have a refund to give me because capital one has to provide credit, going back-and-forth between XXXX XXXX and Capital One I no longer have that XXXX XXXX account it has been canceled and I provided information to Capital One and theyre refusing to credit the one XXXX payment has been canceled for order XXXX
Product: Credit card or prepaid card

Capital One Agent advised me that my accounts were closed on XXXX XXXX due to the terms and conditions and nonpayment. Capital One Agent also stated that they could still charge my account for interest fees due to credit card agreement. I requested for a copy of the truth in lending disclose and a the arbitration clause from the Agent of Capital one, Agent of Capital One stated that its no way to send me them upon my request the only thing they could send me was a credit card agreement. Capital One have several accounts in my name and are restricting access to my accounts. Also an auto loan request Not made by me. I will attach the notices from capital one. Capital One have also furnished false and misleading information to the credit reporting agencies. Capital One have charged me security deposit to open an account with them that was later paid to them, because of my lack of awareness at the time. Capital One Agents have caused damages to my mental health, causing stress by not being able to provide for my family, and my credit worthiness by reporting inaccurate information on my consumer report.
Product: Credit reporting or other personal consumer reports

My name is XXXX, and I am writing to explain the circumstances surrounding the theft of my identity and the resulting legal actions.

I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records.

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment entry associated with my accounts XXXX, under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XXXX, XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with XXXX XXXX  and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have never been to this Dr. And they are trying to collect money and they have reported it to XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX dealing with incorrect information on my report that is unfairly affecting my scores and blocking my opportunities. Its frustrating to be penalized for errors beyond my control.
Product: Vehicle loan or lease

I purchased the XXXX  XXXXXXXX XXXX XXXX on XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX NV . My salesperson was XXXX. XXXX XXXX XXXX offered me the Loan, XXXX down, XXXX Interest rate and 72 months. Love the vehicle, but in XXXX left XXXX XXXX, NV, got on the highway began to have serious problems. I ended up purchasing a new battery went back to XXXX XXXX, NV around XXXX and XXXX helped me with the cost of the battery. My mailj was going to my son house I got my mail from American Credit Acceptance for the first time not missing a payment and notice they had taken all of the first two payment, and some of the third Principle and Interest were not being deducted correctly. It appears not one of my payment are correct so far, and they don't breakdown the amounts on my bill. I have spoken to them several times even Manager about the Billing problem. Most seemed to avoid the issue or not answer my concerns not comfortable with the Customer Service Personal at all, and not honest.

Notice on my credit report the balances were far above what they should have been because they were more than the car cost {>= $1,000,000} at purchase time, every balance I have seen. The loan was 72 months it now says 73 on credit report. I have returned the car back to then XXXX XXXX because of them taking money from my. This is my 4th bad car deal in 6 years two within the same year, please help I have lost lots of money. American Credit Acceptance then called me to take the car back I started to a mix of confusion, I am a XXXX XXXX XXXX suffer with confusion often, and the fact that This Texas Heat had me getting sick when I would go out really bad. but I didn't take it back. They have threaten further charging me, fee etc. please help.
Product: Money transfer, virtual currency, or money service

I was part in a XXXX internet scam. 

Funds were sent via the Coinbase crypto exchange to a wallet/address that was participating in a fraudulent activity. 

Per my basic understanding, it is Coinbase responsibility to verify the receiving wallet/assess is not participating in fraud, money laundering, XXXX activity etc. 

With a multi level process for this determination, I believe Coinbase should have rejected the transaction and is in breezy of their responsibilities to me asa a customer of their exchange.

I contacted Coinbase and have not received a response.
Product: Credit reporting or other personal consumer reports

Subject : Discrepancies in Credit Report Dear [ Credit Bureaus and CFPB ], I am writing to formally dispute several discrepancies on my credit reports from XXXX, XXXX, and Equifax, specifically regarding the duplicate reporting of an account. This duplicate reporting is not only misleading but also negatively impacts my credit score and prevents me from obtaining credit. 

**Discrepancies Identified : ** 1. **Duplicate Reporting of XXXX XXXX  Account** - **Account Number** : XXXX - **Balance Owed** : Reported as {$500.00} on both XXXX and Equifax. 
- **Account Status** : Listed as " Open '' on both reports, which is misleading and creates confusion. 
- **Payment Status** : Indicated as " Late 120 Days '' on both reports without proper context or explanation. 
- **Dispute Status** : Both reports indicate " Consumer disputes - reinvestigation in progress, '' yet the same account appears twice, causing substantial discrepancies. 

2. **Lack of Clarity and Consistency** : - The reports lack specific information regarding the account, such as high balance, last verified date, and details about payment history, making it difficult for me to understand the nature of the debt. 

3. **Impact on Credit Scores** : - My current credit scores are reported as follows : XXXX : XXXX, XXXX : XXXX, Equifax : XXXX. The duplicate reporting and inaccuracies contribute to a distorted picture of my creditworthiness, making it challenging to secure credit or loans. 

These inaccuracies and duplicate entries violate my rights under the Fair Credit Reporting Act and have caused significant distress in my attempts to manage my finances. I have made several attempts to address these issues directly with the credit bureaus, but I have not received a satisfactory resolution. 

In accordance with the Fair Credit Reporting Act, I request a thorough investigation into these inaccuracies and the removal of the duplicate account reporting. I have attached relevant documentation, including copies of my credit reports with highlighted discrepancies and evidence of my attempts to dispute these issues. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the correction of these errors. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I go to an ATM to get some cash mid-vacation and my transaction gets cancelled ( not by me ) so I try a purchase at XXXX with cash back, it gets denied. I call eppicard and they say I have to talk to level 2 service person to authorize out of state use, I talk to them, they say they're putting the authorization through, could take 24 hours, I go get gas before the 24 hours is up, transaction goes through fine, after 24 hours, I go to XXXX to make a purchase and try to get cash back, get denied ... try without cash back, goes thru fine, buy food, get gas, pay for hotel rooms, all fine, try to get money out of the atm, denied, try to make a purchase with cash back at XXXX, get denied, after 48 hours, I try to make a $ XXXX purchase at XXXX get denied, try to make a < {$100.00} purchase, get denied, try to make {$5.00} ish purchase, get denied, now getting denied every purchase attempt everywhere.
Product: Mortgage

This is regarding my loan with Lakeview Loan Servicing, who manages my mortgage and escrow. 

After trying to resolve my issue by phone several times, I provided documentation to Lakeview on XX/XX/2019 including my receipt for taxes paid last year to XXXX County, and this year 's tax assessment from XXXX County for our projected taxes for this year. We live in XXXX County inside city limits for XXXX XXXX, Texas. The confusion is because " City of XXXX XXXX '' is listed on both the XXXX County tax assessment and the XXXX County receipt for the taxes we paid last. The reason for this is because the city uses XXXX County to collect their taxes. Therefore, XXXX County does not collect any XXXX XXXX city taxes, even though they show a line for City of XXXX XXXX at approximately {$2000.00}. As I have explained to Lakeview multiple times, they are counting this approx. {$2000.00} twice when they estimate our Escrow. Several of Lakeview 's personnel including management have agreed with me on the phone, but then explain that it will have to be escalated with their tax department. They usually tell me to wait 2 to 3 business days to hear back on a resolution, but then they don't call me back. They have been promising this for over a month now. Still no resolution. When I call back, I have to start all over with the person on the line and explain it again as they try to interpret the ever-growing amount of notes on their screen. 

Please refer to tax appraisal Lakeview has on file. The total amount shown on the XXXX County assessment is {$8100.00}, which includes a line for {$1800.00} for the city of XXXX XXXX. However, that {$1800.00} is not to be collected by XXXX County,  but XXXX County instead since the city uses them to collect this ( the majority of the city of XXXX XXXX lies in XXXX County, except for a sliver in the neighboring counties ). {$8100.00} is our total estimated property taxes for this year, except for {$510.00} for public improvements as shown on the XXXX County receipt I have provided Lakeview. Again, they will see that there is a city of XXXX XXXX amount collected by XXXX County, but they should not count this twice.
Product: Credit card or prepaid card

I had signed up for hurricane disaster relief after hurricane Ian, in which would lower my monthly payment or no payment at all. We asked the agent that we spoke to. Is this good affect our credit she said no. Then they come find out two months later no XXXX, I get a notification from XXXX XXXX showing Ive missed 30 and 60 day payments, so I called them I speak to someone explain the situation they do an investigation of the information I told him I was told they listen to the phone calls that were recorded and agree that their agent was in a wrong in their system. Coding was wrong so they sided with me in the investigation, so they needed to fix my credit reporting showing that I didnt pay for two months in a row and they close the account. Now here we are end of XXXX and now that Ive mentioned Im gon na get a lawyer involved because Im trying to buy a house and I need you guys to fix this. Were not gon na fix it now and I asked to speak to someone higher up there in the account manager, I was speaking to, and why did you weeks didnt get a phone call so I called back and was told someone would called me as soon as I get out of a meeting. Never got a phone call back. To also add I disputed the payment history for this card on XXXX XXXX and theyve corrected it.
Product: Credit reporting or other personal consumer reports

I am writing to you with a pressing concern regarding an erroneous charge-off listed on my credit report. The account in question is number XXXX, associated with XXXX XXXXXXXX XXXX XXXXXXXX This charge-off is inaccurate and necessitates immediate removal. 

As per the guidelines outlined in IRS XXXX XXXX. XXXX and IRS XXXX XXXX, this account has been deemed as income, not a debt. Consequently, it should not be reported as a charge-off on my credit report. To substantiate my claim, I have requested a Form XXXX from the creditor ( verification of XXXX and charge-off displayed in attached email ). 

Given this new and crucial information, I strongly urge you to take immediate action to rectify this derogatory mark on my credit report by removing this account. 

In support of my claim, I would like to reference the following case laws : XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), where the court established that a credit reporting agency XXXX not report a debt as a charge-off if the debtor 's obligation to pay the debt has been absolved. 
XXXX. In re XXXX XXXX XXXX XXXX XXXX ( XXXX ), where the court ruled that a debt that has been classified as income and is no longer a debt does not qualify as a 'charge-off ' under the FCRA. 

I am requesting immediate removal of the listed account within 7 days. I will be seeking compensation and litigation if this is not resolved in the allotted amount of time. 

Thank you for your immediate attention to this matter.
Product: Debt collection

THIS RIGHT HERE IS MY XXXX REPORT AND IT SAYS I HAVE NO COLLECTIONS OR BANKRUPTCY IN MY CREDIT FILE SO WHY IS XXXX ENTERTAINING THIS DEBT, WHICH IS INCORRECT. XXXX XXXX TOLD ME I NEED TO CONTACT XXXX TO REMOVE AND DELETE COLLECTION TO UPDATE MY CREDIT REPORT, AND THEY ARE SUPPOSED TO CONTACT XXXX XXXX TO UPDATE CREDIT REPORT AS XXXX IS HINDERING MY CREDIT REPORT DUE TO MANIPULATIVE LIES FROM LVNV FUNDING LLC OR ANY AFFILIATION WHO BEEN CONTACTING ME WITH PROFANE LANGUAGE, SCARE TACTICS, THREATS TO DO MORE IRRUPUTABLE DAMAGE TO MY EXISTING CREDIT REPORTS. THIS DEBT IS VIRTUALLY 7 YEARS OLD. I ALREADY SENT A LETTER STATING OTHERWISE AS I REBUKE THIS DEBT WHERE IT SHOULD BE DELETED, AND REMOVED WHO IS TIRED OF BEING HARRASSED BY THEM OR ANY THIRD PARTIES. 

Personal information Includes your name, Social Security number, date of birth, address information, and employment information. 
Supporting documents may be required. 

Credit accounts Includes revolving, installment, and mortgage accounts. 
Supporting documents may be required. 

Collections and bankruptcy Includes collections and bankruptcy. 
Supporting documents may be required. 
( You currently have no collections or bankruptcy records reporting on your credit file ). 

Inquiries Requests to view your credit report. 
Supporting documents are optional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute several inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically the following sections : 1. Unauthorized Inquiries : FCRA Section 1681b ( f ) states that consumer reporting agencies may only furnish a consumer report for a permissible purpose. Permissible purposes include decisions related to credit, insurance, employment, and other legitimate business needs. Unauthorized inquiries are violations of this section.

2. Accuracy and Integrity of Information : FCRA Section 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in a consumer 's credit report.

The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, a permissible purpose for accessing my credit report requires that there is a legitimate reason to do so, such as for the purpose of extending credit, employment, insurance, or other lawful business purposes. I have not applied for credit, sought employment, or engaged in any transactions with the entities listed above during the respective dates of these inquiries. Therefore, I dispute the validity and legality of these inquiries and request that they be investigated immediately. 

I request that you provide me with detailed information regarding these inquiries, including the name and contact information of the entity or individual who made each inquiry, the date and time of the inquiry, and the permissible purpose for each inquiry as mandated by the FCRA. If you are unable to provide this information or if it is found that these inquiries were made without proper authorization, I demand that they be promptly removed from my credit report. 

Please be advised that I am aware of my rights under the FCRA and will not hesitate to pursue legal action if these unauthorized inquiries are not resolved in a timely manner. The FCRA grants me the right to accurate and fair credit reporting, and I expect that my rights will be upheld. 

I kindly request that you investigate and resolve this matter within 30 days, as required by law ( FCRA Section 1681i ( a ) ( 1 ) ( A ) ). Failure to do so will leave me no choice but to seek legal remedies available under the FCRA. 

I have enclosed a copy of my credit report highlighting the disputed inquiries for your reference. Please acknowledge receipt of this dispute letter and provide me with a written response as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX