23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

BANK OF OKLAHOMA doing business as XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Tesxas, XXXX ) XXXX ( or XXXX XXXX, XXXX ).
XXXX XXXX XXXX has an internal automated payment system for insurance vendors and paid the max flood insurance amount instead of the current insurance amount. They admitted to the error and continue to not be able to resolve the matter. We continue to receive lay payment and foreclosure notices even though we continue to make full payments to them. First they argued they had not made a mistake and then finally admitted to the error. My concern is how many other individuals ' insurance is being overpaid by this vendor and then collected from consumers without their knowledge. By time the consumer learns of their error through annualized escrow analysis it is too late and the insurance company is unwilling to make an adjustment based on XXXX XXXX XXXX 's mistakes. It is concerning that XXXX XXXX XXXX has an automated system and does not keep backups of insurance bills sent to them and by law they are required to review the three flood insurance options and pay the current coverage unless otherwise noted. I believe XXXX XXXX XXXX through neglict of due digiligence and poor customer service is displaying little or no respect for the laws surrounding flood insurance as well as those that protect home owners -- not living up to their side of the mortgage contract. I have spent substantial time on the phone with these individuals and the most recent individual ( XXXX XXXX 's supervisor by the name XXXX ) I spoke with was very accustory seeming to point blame at myself when clearly everyone on her team researched the error and it was multiple times admitted to being their error. Now I believe this has moved beyond " error '' and is 100 % stepping on the rights I have as the home owners and my concern is for others that XXXX XXXX XXXX is servicing and the rather lackluster approach to lawful business services.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Covid  hit my wife and I looked into mortgage payment deferral with XXXX XXXX. She was temporary out of work. But we did not sign up for it! We continued making our payments and discovered we had Forbearance on our credit from XXXX XXXX. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!! We have never been late or missed a payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with XXXX XXXX XXXX  for 10+ years with home mortgage and then had a home equity mortgage for 5+ years. Then in XXXX to XXXX of XXXX XXXX XXXX sold all their home loan businesses to other loan companies. While being with XXXX XXXX I always had a direct withdraw from my account and never had an issue. During this transfer of business my home loan transferred w/o out any problems and the home equity did not transfer at all with XXXX XXXX XXXX. Never rec 'd proper notification or any calls from this new company. Then at the end of XXXX of XXXX XXXX rec 'd a call from XXXX XXXX XXXX  rep ( before they totally closed this department ) she explained that they had transferred over my account to a new company and they have not rec 'd any payments- explained that I am on auto-draft and the funds have been in the account and should have been withdrawn - to find out that I needed to contact XXXX XXXX XXXX to set up. Contacted them and got all set up and all of the back month payment caught up. The rep at XXXX  XXXX XXXX stated that they would handle this and would not affect my credit since this was a transfer account. Then in XXXX the funds came out for that month. Then in XX/XX/XXXX automatic payments stopped again -- called them back and was explained there was additional charges that were applied to the account and automatic withdraws stop automatically if current on the account. Paid the additional charges and reset up my automatic withdraw from my account. Since then, there has not been any additional issues. 
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Reviewed my credit report and found that I rec 'd my first late payment on my account. I have never had a late report on my credit since I started 45 years ago. 
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Contacted XXXX XXXX XXXX and requested a review of all the issues that I had during the transition of my account from on bank to another. Rep said that they could remove the 1st late payment from my credit which they have to report after 90 days late - but since this was 5 months late, they were unable to help me. 
They refused to supply me with any of the note documents that were from the XXXX XXXX XXXX  or myself during this transition. 
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I got on the site for XXXX XXXX XXXX  to see what documents I could find. Found that the " Welcome Letter '' letter was sent out XX/XX/XXXX. I have been charged for 3 months of late payments prior to their welcome letter. 
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No certified letters were ever sent to the home address by XXXX XXXX XXXX or XXXX XXXX XXXX. 
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I have requested my file to be reviewed and have been denied for the review. 
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I have attached the Welcome letter and my credit report to show this has been my only late report and need assistance for a company that can assist me in my problem or an attorney that may assist me in my situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX account name XXXX XXXX account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 XXXX 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

Background information : I am a resident of the state of California. California Code, Civil Code CIV 1747.85 states " Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment or otherwise in violation of any provision of the agreement between the card issuer and the cardholder governing the cardholder 's use of the credit card or unless the card issuer has evidence or reasonable belief that the cardholder is unable or unwilling to repay obligations incurred under the agreement or that an unauthorized use of the card may be made. 
Nothing provided herein shall be construed to prohibit a card issuer from placing the account of a cardholder on inactive status if the cardholder has not used the card for a period in excess of 18 months or from requiring that cardholder, upon subsequent reuse of a card, to provide to the card issuer such updated information as will enable the card issuer to verify the current creditworthiness of the cardholder. '' XX/XX/XXXX : At this time, I had a consumer credit card account open with Wells Fargo in good standing. The credit card account had a rewards account associated with it with a balance of XXXX " XXXX XXXX Rewards '' points, earned from purchases made on the credit card account. As part of the rewards program for my credit card, these points were redeemable for up to a value of {$0.00} for each point, with at least XXXX points required to make a redemption, and additional points could be earned by making purchases with the credit card account. 
XX/XX/XXXX : Wells Fargo issued a letter stating that they had made the decision to close my credit card account, that the account could no longer be used to make purchases, and that the rewards balance associated with the account would be forfeit. 
XX/XX/XXXX : Said letter was received by me via USPS. Upon checking the account through the website, I verified that the account was closed and that the associated rewards account had XXXX " XXXX XXXX Rewards '' points deducted from the account balance leaving a balance of XXXX. The balance of XXXX   points in the account was unable to be redeemed since the minimum redemption amount is XXXX points, and it is impossible to earn additional points since the associated credit card account was closed. 
XX/XX/XXXX : I inquired on the matter with a Wells Fargo banker at a bank branch. No additional information on the closure was provided to me. I opened a dispute with Wells Fargo to request reopening of the account and a reinstatement of the rewards account point balance.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One failure to provide my funds that were direct deposit from my employer and any other deposits. Capital One has cited technical issues which violates Electronic Funds Transfer Act ( ETFA ) which requires funds be available in a timely matter. This matter raises concerns as a consumer protection under the law. I request your assistance in investigating this matter to assure my rights are not being violated. 

Thank you in advance
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX GA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. SXXXX 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 BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have attached the Federal Trade Commission Report along with my supporting documents.
Product: Credit reporting or other personal consumer reports

Inquires on my credit report that should not be 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  XX/XX/XXXX, XXXX XX/XX/XXXX please remove this unrecognized inquiries I contacted the credit bureaus and they ask me to report this to the FTC and send information in
Product: Credit reporting, credit repair services, or other personal consumer reports

After removing certain items from my report, Transunion also put them back on. See attachments
Product: Credit card or prepaid card

I am writing today in regards to my account with JPMCB Card Account # XXXX, the reason for my request today is to ask for assistance with the late reported in XX/XX/2020. In XX/XX/2020 I had two unfortunate things happen 1. I had XXXX 2. My bank account had fraud and therefore was compromised and shut. The reason I am telling you this is because my account is on autopay so I no concerns while I was unwell that my accounts were being paid. I also was unaware that my bank account which the payments were coming from was shut down due to the fraud which occurred. Once I was well enough and made aware I quickly got the account paid up.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I had a loan under Countrywide in XXXX in MY NAME ONLY, XXXX XXXX XXXX XXXX My mom was on title, XXXX XXXX XXXX . She lives in Ohio and I live in California. Under these 2 class action lawsuits XXXX XXXX XXXX XXXX Class Action Lawsuits are Waldrup v. Countrywide Financial Corp., et al., Case No. XXXX, and XXXX, XXXX XXXX XXXX   Countrywide Financial Corp., et al., Case No. XXXX, both in the U.S. District Court for the XXXX District of California money was sent. However, it was sent to my mother in Ohio who was never on the loan and Quit Claim Deeded herself on the property in XXXX. Why are you sending her the checks? This needs to stop immediately or I will seek triple the reimbursement. Property address for loan is XXXX XXXX XXXX, XXXX, CA XXXX. I still own the property in my Trust,
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I want to clarify that this complaint is not made mistakenly, nor is it being filed on behalf of another party. I affirm under penalty of perjury that I am asserting that an individual or entity, without my consent, utilized my social security number and personal information to apply for various goods, services, or financial transactions. Unfortunately, they were successful in establishing certain accounts using my identity. I have no prior knowledge of these actions, and the matter is currently under investigation by the Federal Trade Commission ( FTC ). According to Under 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports, I never provided written authorization for any information to be included in my consumer reports. Lack of consent constitutes fraud in this contextXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # XXXX Date .Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Mortgage

To whom it may concern : I my mortgage loan is with  XXXX   XXXX   XXXX  and is being handled by  Shellpoint Mortgage Servicing.  I entered into a modification that began  XXXX / XXXX / XXXX . Since the beginning of my modification, amounts on my statement have been incorrect. I have tried over and over again to get the amount corrected. Now, six  months later, Shellpoint has  made the correction, however, they had hired an attorney to submit my home for an auction sale  XXXX / XXXX / XXXX . I am told that in order to remove the foreclosure status and auction sale date, I must pay foreclosure fees and cost  ( {$2100.00} ) in  addition to the months payments owing from  XXXX / XXXX / XXXX . I am prepared to satisfy the monthly payments, however, I feel it is unfair and a scam to now after correcting the error caused by Shellpoint, I should have to pay those fees in order to save my home. I am not in a position to pay for the fees resulting fro m Shellpoint 's error. Shellpoint refuses to send me a statement reflecting the correction. Please provide assistance in this matter. Th ank you!     Companies involved :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX  Shellpoint Mortgage Servicing  XXXX    XXXX   XXXX    XXXX , SC  XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> there was a hard inquiry on my credit report that I did not apply for. I called Capital One and they told me there was no application in process. They suggested I call the credit bureaus. I called XXXX and they suggested I report fraud.
Product: Credit reporting or other personal consumer reports

Under XXXX USC XXXX ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX
Product: Debt collection

After opening a Kohls charge card I made my first purchase in store. 
Around 30 days later I still had not received a bill or the card. I went in to the local retailer and let them know I hadnt received any information and ended up making a payment in store which I was told would pay my balance in full. 
2 months later I received a letter saying I missed a payment. 
After immediately contacting them they stated it was their error and reversed late fees because they did not input my address correctly. 

I was under the impression that the account had XXXX $ balance
Product: Debt collection

My social security number was stolen to open accounts in my name. The account from Enhanced Recovery resulted from ID Theft.
Product: Credit reporting or other personal consumer reports

This is a complaint in regards to my former complaint ( XXXX ) I am writing in response to your investigation results regarding my credit file dispute. While I appreciate your review, I do not agree with your findings and require further clarification and substantiation of your verification process. 
1. Proof of Verification Please provide specific documentation used to verify that the disputed accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ) belong to me and are accurately reported. Simply stating that an item has been verified is insufficient without supporting evidence. 
2. Furnisher Contact Details Under the Fair Credit Reporting Act ( FCRA ), I have the right to know the name, address, and contact information of the furnishers you contacted during your investigation. Please provide these details. 
3. Method of Verification I request a detailed explanation of how the verification was conducted, including whether original contracts or account statements were reviewed. 
4. Incomplete Investigation If Equifax is unable to provide sufficient documentation proving the accuracy of these accounts, I formally request their immediate deletion from my credit file as required under the FCRA.

Please respond within the timeframe required by law. If these accounts are not properly validated or removed, I will escalate my complaint and explore further legal options.