23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

State has submitted wire funds transfer to the bank on XXXX and approved on XX/XX/XXXX with bank transaction XXXX and then for XXXX payment on XX/XX/XXXX and received on XX/XX/XXXX with bank transaction XXXX and process to applying payment to my XXXX XXXX XXXX  account has been extremely slow, in which, it has made my account delinquent, and the mortgage company has reported the late payment to the credit bureau as a past due payment, which is not my fault and has now affected my credit. I have not seen any resolution from XXXX XXXX and I keep being informed that it will be escalated because they do not have any information on these payments, but when I checked with the state, I was informed that it was submitted to Dovenmuehle mortgage in Texas. Both payments for XXXX and XXXX are still not applied to my account and not being deposited to my account on time. I have been stressed and frustrated with not funds being posted in my account when these issues have never occurred in the past. I am concerned that when XXXX payment is sent that I will have the same issue. I have been getting runarounds from XXXX XXXX when I speak to the Loss mitigation department that they do not know where the payment is and stating that it was received, but they are not applying the funds to my account. My account online has been blocked from making any additional payments because I depend on the amount that state has been depositing of {$1600.00} to be applied so I can pay the additional amount and be current with my mortgage. I have never been late on my mortgage payment, and this is affecting me mentally. I have not received any callback as I requested each representative to do with an update and response of what is happening with these funds.
Product: Credit card or prepaid card

I have stellar credit carrying 6 percent utilization and all my synchrony bank cards had 0 balances and were paid on time. Synchrony bank closed 4 of my accounts and stated high risk as the reason. No warning and no specific reasons
Product: Credit card

I was affected by the writer 's strike was out of work for XXXX with no income or unemployment. How ever I still made payments until I exhausted all my funds including draining my XXXX. 

Once they switched over to XXXX XXXX  company. There was nothing I could do to save it.
Product: Prepaid card

I purchased a NetSpend debit card in XX/XX/2022 but never activated it. I tried to activate it today and they told me it had been XXXX  out. They could not tell me what happened to the {$200.00} that I put on it when it had never been turned on. I requested a call back from a supervisor but I haven't heard from anybody and I probably won't.
Product: Checking or savings account

I had {$16000.00} on my saving account. On XXXX XXXX Webster bank added the interest earned and it became {$16000.00}. 
On XXXX XXXX it is showing an unauthorized withdrawal of the full amount {$16000.00} to XXXX XXXX XXXXXXXX XXXX XXXX. 
I have been saving this money for 2 years I cant loose for an unauthorized withdrawal, the bank needs to have a better security system!
Product: Mortgage

I am concern that my escrow analysis is incorrect and I need someone outside the mortgage company to review it. I know about the XXXX escrow payment of the total needed during the year and XXXX cushion amount of the total amounts needed for the year. My escrow payment is XXXX and the XXXX cushion is XXXX. But I already have XXXX in escrow and they are demanding an additional XXXX which is more than a XXXX dollars over the XXXX cushion by years end. I spoke to the escrow analysis team and they claim it is an addition just in case. My taxes last year were XXXX and my hazard insurance was XXXX which is a total of XXXX. My current escrow is XXXX. With the additional escrow of XXXX. The XXXX XXXX XXXX. Brings my account over the legal limit as prescribed by federal law. I need someone in your department to take a look at it and check the calculations of the mortgage company. Your time and consideration is greatly appreciated The lender is CITIMortgage.
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. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXXXXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX Balance Owed : {$2500.00}, XXXX XXXXXXXX Balance Owed : {$18000.00}, XXXX XXXX XXXX Owed : {$660.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, AN XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violation of My Consumer Rights Under 15 USC 1681 I am writing to formally raise a complaint regarding the violation of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). The following accounts on my TransUnion credit report have breached these rights : 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 XXXX XXXX XXXX Upon reviewing my TransUnion credit report on XX/XX/2024, I identified several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported ( 15 USC 1681e ( b ) ).

Additionally, as outlined in 15 USC 1681i ( a ) ( 5 ), the FCRA mandates that if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Promptly delete or modify the item of information as appropriate based on the results of the reinvestigation.

Promptly notify the furnisher of the information that the information has been modified or deleted.

Furthermore, 15 USC 1681s-2 prohibits any person from furnishing information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Given the discrepancies noted in my credit report and the obligations outlined by the FCRA, I request the following actions : A reinvestigation of the inaccurate or incomplete information listed in the aforementioned accounts.

Prompt deletion or correction of any verified inaccuracies or incomplete data.

Notification to all furnishers of the modified or deleted information, as required by law.

Please acknowledge receipt of this complaint and inform me of the actions that will be taken to address these issues within the timeframe prescribed by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

Transunion is not taking me seriously about this account on my credit report. They keep saying it is verified as accurate, but not providing the information. On my end, the account owed states a different amount. Also, there are XXXX different numbers reported on this XXXX account. Past due balance is XXXX, but amount owed is XXXX. It does not make much sense to me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint against XXXX, along with several other financial institutions, for their repeated failures to uphold my rights under the Fair Credit Reporting Act ( FCRA ) and protect my personal information. Specifically, my concerns are as follows : Violations by XXXX : 15 U.S.C. 1681i ( a ) : XXXX failed to properly investigate disputed items on my credit report, despite clear evidence that these accounts were inaccurate or unauthorized. 
15 U.S.C. 1681i ( a ) ( 6 ) ( B ) : They failed to notify me of the results of their re-investigations within the required 5-business-day time frame after completing their investigation. 
15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) : XXXX reinserted previously disputed and deleted information into my credit report without following the appropriate notice and certification procedures. 

These failures have caused harm to my credit standing, impacted my ability to secure credit, and represent a blatant violation of my consumer rights under the FCRA. 
Concerns About Other Financial Institutions : In addition, the following companies have repeatedly shared my Social Security number and personal information with third-party agencies without my knowledge or consent : Bank of America : sold my information on multiply occasions and denied doing so XXXX XXXX : sold my information close the account XXXX put it back onto my credit report XXXX XXXX XXXX  : sold my information XXXX XXXX XXXX : sold my information XXXX XXXX XXXX : never gave them authorizations The unauthorized sharing of my personal information raises serious concerns about privacy violations and puts my Social Security number at risk of being linked to a data breach. This careless handling of sensitive information could expose me to identity theft and other financial harms. 
Requested Actions : Investigate XXXX XXXXractices regarding their failure to comply with FCRA regulations. 
Conduct a thorough inquiry into the unauthorized sharing of my Social Security number and personal information by the listed companies. 
Ensure that all shared data is properly secured and that third-party transactions involving my personal information are fully authorized and compliant with the law. 
Thank you for your attention to this matter
Product: Credit card or prepaid card

XXXX XXXX are refusing to pay for the filing fee and other payment to JAMS regarding the six pending demand for arbitration. 

As a reasonable accommodation regarding the terms and conditions I'm seeking for XXXX XXXX to make all payments in good faith regarding the terms and conditions of the arbitration agreement. 

Pursuant to the terms and conditions of the arbitration agreement this is a written request for payment of the filing fee.
Product: Debt collection

There are two collections against me from a company called First Financial Asset. ( Account numbers XXXX and XXXX ) These are from a medical laboratory. I contacted the lab and they agreed that these did not belong to me. They said they would call them back from the collection agency and remove them from my credit files. This was the first of XXXX. 

I disputed these with all three bureaus and not only did First Financial Asset respond that they belonged to me, they left them on my file AND they updated them again for an additional month.
Product: Debt collection

Now, the Fair Credit Reporting Act states that the credit bureaus must report all information accurately. Now, that means all of the data must be reported accurately. And if it's not reported accurately, then it has to be deleted. I have never done business with Capital one bank yet they are reporting that I do. After discovering them on my credit file on XX/XX/XXXX. 
Ive done multiple disputes with XXXX XXXX & XXXX. Along with complaints made to the CFPB and XXXX. 
Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX in a response through the cfpb capital one bank stated that they are not reporting this erroneous account that they claim I owe. Ive attached that response from capital one along with my credit report showing that are in fact still reporting to the Credit Reporting Agencys. I was also notified by the credit monitoring app XXXX XXXX that capital one closed and account on XX/XX/XXXX and on XX/XX/XXXX I was also notified that the payment history had been update also Ive never made any payments to this company. Also in their response capital one claimed that XXXX XXXX XXXX, XXXX obtain a judgment against me which results in my pay checks being garnished weekly. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


XXXX  Reports ( Capital One Bank ) Account Type- credit Card/ Revolving Terms Date open- XXXX Payment status- charge off Balance- {$1300.00} Past due- {$1300.00} Monthly payments- - Comments- account disputed by consumer under the FCRA XXXX Report ( Capital One Bank ) Account Type- Revolving/ option Date open- XXXX Payment status- Bad debt & placed for collection & skip Balance- {$1400.00} Past due- {$1400.00} Monthly payments- - Comments- charge off account XXXX   Report ( Capital One Bank ) Account Type- Revolving Account Date open- XXXX Payment status- charged off as bad debt Balance- {$1400.00} Past due- {$1400.00} Monthly payments- - Comments- account information disputed by consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail XXXX, XXXX, and Transunion 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Product: Payday loan, title loan, personal loan, or advance loan

Hi, In XX/XX/XXXX, I went to the ChecknGo website. I requested the terms for a loan. The website asked for bank information so they could verify account and funds. I provided this. The next day, there was {$500.00} in my account. I had not signed any loan documents. 

I sent an email to ChecknGo to cancel loan because legally I have three days to cancel. I called on XX/XX/XXXX and talked to XXXX at this company. I also called on XX/XX/XXXX and spoke with XXXX from this company. Neither tried to help me cancel this loan. 

I also sent Notice of Cancellation to the address below through XXXX with XXXX : Check 'n Go XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ChecknGo gave me notice that if I provided written cancellation to the address above by XX/XX/XXXX, the loan would be cancelled. My USPS receipt shows it was delivered by XX/XX/XXXX. 

I later received notice from ChecknGo that I owed {$1200.00} for the {$500.00} loan. I called ChecknGo and asked them to provide proof I had signed a loan agreement. They never provided proof. 

I later received notice from a collection agency that had purchased this debt from ChecknGo. ChecknGo was able to collect money from this fraudulent loan.

ChecknGo needs to be investigated for this fraudulent behavior and stopped from ripping people off for significant amounts of money. 

Thanks, XXXX XXXX
Product: Credit card

Capital One ( XXXX ) called my cell phone and home phone several times since XXXX XXXX, 2016 looking for a relative with a credit card situation. I do not and have not done business with Capital One and want the calls stopped. I consider this to be harassment. My home phone and cell phone are unlisted numbers but Capital One acquired my information. 
Caller name : XXXX
Product: Mortgage

My loan was serviced by Residential Credit Solutions. I tried to work with them, including having the city foreclosure prevention office contact them while I was in the office. The city 's representative spoke to the same person I dealt with, and offered a {$10000.00} good faith payment with the request to help me modify my loan. The woman flat-out refused, and when I called her shortly afterward, she first denied having spoken to anyone, then said she had spoken to someone, but that no offer of money had been made ( I was sitting next to the man when he called her ; I did n't tell her that ). The loan was transferred so many times, the original loan documents were lost. The lender filed an Affidavit of Lost Documents with the court, which is how I found out. I went to my foreclosure hearing and brought up the lost documents to the judge, XXXX XXXX. His response : " They 'll find them. '' He signed the foreclosure order promptly. I continued to try to work with them, even finding a company who tried to negotiate with them with me on the conference call. The Residential Credit Solutions representative was very friendly, very nice, and said he would work with us to have the foreclosure order cancelled. Not long after, I learned that my house was being sold in a week, and it was. 
I tried before, during, and after the foreclosure right up until the house was sold to get anyone to help. I came across this site today just making another query to be certain I had exhausted all my options. My issues are : 1 ) the company did not operate in good faith when they refused the offer of money to partially cure the outstanding payments ; 2 ) the company similarly did not show good faith when an offer to cancel the foreclosure order was made to me and I was lead to believe they were working with me, when all they were doing was stalling until the sale ; 3 ) the original loan documents were never produced, although someone signed an affidavit stating he/she " personally '' was involved in the sale ( which was not possible since the loan had been sold and transferred long after the sale ). 
When I read about the order for penalties against Residential Credit Solutions, I was hopeful there would be some recourse for me. Losing a home is traumatic, but losing XXXX due to someone 's unscrupulous, unethical, and deceitful practice makes it that much worse.
Product: Credit reporting or other personal consumer reports

Im confident Ive always paid on time, so I dont understand why Im being reported as late for some months. According to USC 1666b, any billing mistake should be corrected and shown as paid as agreed.
Product: Mortgage

I have informed the company that I have filed a Motion with the court to Challenge " STANDING '' as there are no records that indicate that they have a legal or lawful interest in the property. 

In addition I have also informed the company via XXXX over night with Proof of delivery that I have an open bankruptcy case and any legal actions on their part would be a violation of the open Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX ) and the Creditors ( XXXX  ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately