23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, I am writing in regards to my mortgage loan being transferred to Seterus and was given less than 2 weeks noticed and now Seterus says they can not inform me of any information regarding my account. I received a letter from XXXX on XXXX XXXX telling me that my loan will be serviced by Seterus on XXXX XXXX. Today is XXXX XXXX and I called Seterus and was told that they could n't give me any information regarding my loan. They said that they have over a XXXX clients and that they were still working on my loan. When I attempted to ask a question, the representative said " not to speak over him and to let him talk. '' At that point, I asked to speak to a manager. When I asked to speak to a manager, I was told that the wait would be extensive. So, I asked " what is an extensive wait time. '' The representative said it would be 10 to 15 minutes, so I told the representative that I would wait. The representatives put me on hold and came back on the phone and said, the manager will not be able to give me any information about my loan so I do n't need to wait because I just have to wait for my welcome packed in the mail. Now these are my questions, how come the Seterus could n't give me any information about my account when I was told by XXXX that all my questions or concerns would be answered by Seterus since my loan was transferred over. How come the Rep was so rude and could n't get me a manager on the phone and tell me anything about my account, how much I owed, when was my next payment. This sounds very fishy and I do n't want my loan account with Seterus. 
The reason why this is important is because I am in the midst of selling my apt and have a potential selling date by XXXX XXXX and have an additional fee that I owe for the sell of the apt that will be paid at the time of the closing and I do n't want to see surprising fees from Seterus. I need to know what my payments are now so that there are no surprises at the time of the closing. As a consumer, if my loan is transferred to Seterus, Seterus should have all the information ready for me when I called and not give me the run around and then say a manager is not available and that they can not access my loan information. Right now this is frustrating as I need this information. What are my rights as a consumer in regards to getting this information without having to wait for a welcome packets from Seterus. My other question is, " why is did XXXX Bank transfer my loan to a new company and I have no say about the transfer. Why did XXXX Bank wait less than 2 weeks to inform me about this transfer. '' My account number with Seterus is XXXX and their phone number is XXXX. My loan number with XXXX Bank was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancel my phone service with XXXX on XXXX and they still reporting on my credit scores as XX/XX/XXXX.
Product: Checking or savings account

I opened an online checking account with BB & T Bank approximately 2 years ago. On XX/XX/2021 I tried to make a bill pay online using this account and kept getting a message that I didn't have an eligible account for bill pay. I called their customer service on XX/XX/XXXX and XX/XX/2021. I have spent approximately 2 days and 4 hours on the phone trying to resolve this matter. They finally informed me my account was dormant and I had to go to a branch to make the account active. The nearest branch is 214 miles one way from my house. I explained to them how far it was and said I would like to close my account then. They informed me I had to go to a branch to close my account. I asked to speak to a manager. I told him I didn't understand why I was able to open an account online if I had to do my banking business in branch. It is not reasonable for me to have to drive that far. I also explained I did not receive any kind of notification that my account was going dormant. Nothing was resolved.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my Transunion report and this is severely interfering with my health and quality of life.
Product: Mortgage

During my time with Ocwen Mortgage, they changed my monthly payments to Bi-monthly. Once this occurred it seem like every month I would receive a late payment before my payment was even due. A few months they had reported me late before the XXXX of the month. I have been in contact with them several times and each time the answer is different. I currently sold my home but cant get a new loan due to them falsely reporting on my credit report. when I try to get this resolved I get the run around. When I finally got a phone number to call its to a pizza place. Every review online is the same thing. The people need to be stopped.
Product: Debt collection

I have tried on numerous occasions to have this collection removed from XXXX and it has been removed from all the other 2 bureaus ( XXXX and XXXX ) months ago. The Collection is from KLS Financial- Fastpace Tennessee for {$130.00}. I have come to discover that this debt is also Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. It is a HIPPA Violation and I NEED THIS TO BE REMOVED ASAP!
Product: Credit reporting 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.rights. 
account name # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX account name # ORIGINAL CREDITOR account number # XXXX account name # ORIGINAL CREDITOR account number # XXXX account name # ORIGINAL CREDITOR account number # XXXX 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

I am having some issues on my credit report. I have inaccurate information showing My name is XXXX XXXX XXXX. my DOB is XX/XX/XXXX. My currnt and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My phone number is ( XXXX ) XXXX. My current employer is XXXX XXXX XXXX. 
The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX The following phone number are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

Wrong person bankruptcy doesnt belong to me its not mine n accordance with The Fair Credit Reporting Act, US Bankruptcy XXXX Reference # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

On my Capital One Platinum Credit card ( closed as of XXXX ) I am enrolled in a hardship plan. 

Things are very difficult right now economically as I'm sure you are well aware. I'm trying my best and making a good faith effort, but it's tough. 

I entered into a 3 month payment plan ( see attached image ) with a monthly payment of {$120.00} On XX/XX/XXXX I made that automatic payment and was immediately charged a {$40.00} Past Due fee. ( see attached image ).

I was confused and realized it had to be some mistake, as I have entered into the payment plan. I acknowledge that interest fees still apply. But I WAS NOT LATE with my payment. 

I contacted support and they informed me that even though I am on a payment play IT IS NOT THE MINIMUM PAYMENT! 

That I would be charged a {$40.00} fee for PAYING THE 'HARDSHIP PLAN ' amount and NOT ADDING IN THE EXTRA. 

So that even though I'm enrolled in the plan, at the amount that they offered, they will charge me {$40.00} a billing cycle because it is NOT THE MINIMUM PAYMENT. Effectively keeping me trapped and charging me more and more I ask how is this not some type of fraud and deceptive behavior? How is this predatory behavior allowed to exist? 

This needs to be fixed and I need some resolution and help here because this is NOT RIGHT. 

I acknowledge that my credit situation is less than optimal ( medical reasons ). And I am attempting to get the ship righted. 

But how can ANYONE, with such obvious deception and predatory tactics, hope to get financially 'out-of-the-hole ' when Capital One is using 'bait and switch ' behavior on those trying to do the right thing? 

I need a resolution to this so that my agreed upon amount isn't being hit with 'late fees '.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer. I am now opting out, of any and all authorization.

I the consumer may have given you written, unwritten, verbal, non verbal per 15 U.S.C 6802 and Privacy act of 1974.

Account I want to Opt out of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Opt out of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XX/XX/2024 Complaint Summary : I am filing this complaint regarding American Expresss failure to comply with the Fair Credit Reporting Act ( FCRA ) in reporting my account status accurately. Despite my hand written certified mail letter that was sent XX/XX/2024 requesting correction of this information, American Express continues to report inaccurate details that negatively impact my credit profile. This has been ongoing now for the last XXXX years just a XXXX  letter will be sent but all information remains inaccurate and no proper investigation is done Issues with Reporting : Inaccurate Past-Due Balance Reporting : American Express is reporting a past-due balance on an account that was previously charged off. Rather than reflecting this as a one-time event, they continue to report it monthly as if it were a recurring delinquency.

FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) American Express is failing to furnish accurate information by continuing to report this balance inaccurately.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) American Express has not corrected or deleted the unverifiable information despite my request. 
XXXX XXXX of Limitations : By repeatedly reporting charge-off each month, they are misrepresenting this as a recurring delinquency, misleading creditors about the true account status. 
Lack of Adequate XXXXXXXX XXXX XXXX XXXX XXXX Their response to my certified request did not provide sufficient verification to justify the monthly charge-off reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I requested an investigation because I felt the item was not being reported legally. Couple of days later I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The address 4. The telephone number 5. The documentation used to verify the dispute Though none of these have been furnished. I have offered both XXXX XXXX and Experian ample amount of time to prove this and they haven't. At this point, I feel this should be deleted off my credit report.
Product: Checking or savings account

There was a bonus offer for opening new Capital One 360 saving account published on Capital One Bank website. I opened that link, and input my information, and got an acknowledgment that I was eligible for that bonus. I then followed the steps to open a new saving account ending XXXX deposit $ XXXX on XXXX XXXX, XXXX, to be qualified for the {$1500.00} bonus. 

I waited for almost XXXX months, after passing the bonus deposit deadline, to find out the promised bonus wasn't there. Then I contacted Capital One bank at XXXX on XX/XX/XXXX, and talked to a customer rep called XXXX ( who refused to give me her last name ). She said I had an account open with Capital One bank ending XXXX ( which I am not aware of, and didn't receive any statements ), which carries a balance of {$10.00}. I then asked XXXX to find out when the last transaction was, she said some time in year XXXX, about XXXX years ago. 

First, I am totally not aware of this active account which Capital One bank said they somehow kept it active without any transactions for XXXX years. And I didnt receive any statements regarding this account. 

Second, I received confirmation that this bonus code was active when I input that code to check my eligibility for that bonus offer on Capital One bank website. Capital One Bank allowed me to open that account with that bonus code. 

Last, I didn't receive any notifications from Capital One Bank that I was not eligible for this bonus offer during the XXXX  months I waited for the bonus to arrive. XXXX clearly told me that the final decision from Capital One bank is to deny this bonus claim, which to me is clearly a fraud to cheat consumer into deposit funds to Capital One Bank. 

I have screenshots available when I opened the account, which clearly shows that the bonus offer was active. 

Capital One Bank unreasonably denied my request even though I provided them all the above information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple fragmented credit files with Equifax. I have submitted 12 disputes since XX/XX/XXXX to correct the inaccuracies of the files and to attempt to have the files merged without success. I have copies of the " corrected report '' of each dispute that are not reflective of the initial credit report that the disputes were submitted. I am subscribed to three different credit monitoring services excluding the free services that are offered my two of my banking institutions and EACH one of them provides a different EQUIFAX credit file for me. I have had contact with several representatives via email support, phone, and certified mail and the issue remains unresolved. I requested a security freeze XX/XX/XXXX ; however, those fragmented credit files are providing unauthorized access to my credit file and I am accumulating inquiries that I have not initiated and Equifax refuse to delete. The most recent response that I received in XX/XX/XXXX stated that " their security freeze is n't completely foolproof that existing creditors can access my report ... .Thank you for contacting Equifax ''. I have spent countless hours holding for representatives or arguing with outsourced representatives that do not provide assistance beyond a script. ISSUE : I obtained a security freeze to control access to my credit file, Equifax fragmented my credit file in multiple files that provides UNAUTHORIZED access along with outdated and inaccurate information that I am constantly disputing, they are supposedly corrected but later reinserted without any notifications to me, and I 'm pretty sure that 's a FCRA violation. I have had creditors close accounts, lower credit limits, and deny additional services because of the inability to obtain accurate information. My employer requires periodic background reinvestigations which requires full credit disclosure in order for me to maintain security clearance for my job position and due to this issue they have not been able to do so. My credibility is being questioned and my livelihood is being jeopardized.
Product: Debt collection

They sending me a letter for a debit card, that I never received or never had received money from them, they tried to scam me, I only have one bank card and I never received money from you guys, I want they stop sending me letter
Product: Debt collection

I submitted this to the CFPB about 6 months ago. Case No. XXXX. As a result the debt collection company, Meade & Associates, responded that the original alleged creditor had " requested that the account be closed '' because it was " sent in error. " Now Meade & Associates are sending me threatening letters again demanding payment for this same account even though I sent Meade copies of their correspondence to me closing the account.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

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 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these items will be corrected. 

XXXX XXXX Balance  : {$18000.00} ; XXXX  XXXX Balance  : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Checking or savings account

I opened and funded my checking account for {$50000.00} with Citi on XX/XX/2022, for the advertised {$700.00} new account bonus. Terms stated that the balance must be maintained more than 60 days to get the {$700.00} bonus. I was only awarded a {$300.00} bonus after maintaining the balance for XXXX  days.
Product: Debt collection

I received a settlement account from Wells Fargo. I called back in less than an hour to make the payment. The payment was for the stated amount. She read a disclosure prior to processing the payment. The amount in the first disclosure was processed. She then stated she needed to read the second disclosure. The second disclosure had a different amount. She said she was not sure why. She took 15 minutes to find out why and stated that she was unsure why and maybe because it was a principal. The escalations agent that I was sent to was horribly rude! He stated BOTH made a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I seen inquiries I didnt recognize I sent a letter informing transunion about the inquiries i have yet to receive an investigation response back from the bureau in response. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ABILITY RECOVERY SERVICE IS IN VIOLATION OF THE FCRA. 
ABILITY RECOVERY SERVICE HAS AN ACCOUNT ON MY XXXX REPORT THAT IS NOT MINE AND DOES NOT BELONGS TO ME.
Product: Mortgage

Ditech has been sending past due notices for almost 2 years, I have provided them with nearly 3 years worth of cancelled checks that prove ALL mortgage payments have been made in full every month. When I call, the representative tells me that yes, they have copies of all the checks and they can see that all payments have been made, and then they forward everything to the accounting department and tell me it will get straightened out and I will receive a letter. Then I receive another notice stating I owe 2 months! This has happened at least 4 times, and I have been dealing with this for almost 2 years. On XXXX/XXXX/16 I spoke with XXXX representatives ( XXXX in XXXX XXXX, we were disconnected during the call ) and XXXX in Missouri when I called back. I told her that I no longer believe anything different will happen when she told me " Yes, I see all the cancelled checks and I will forward this with an email to accounting to get it fixed '' and asked how I can get a face to face meeting with someone who can actually resolve the issue - all she could do was say she is sorry and can forward everything to accounting. I have XXXX loans with the exact same scenario, so I will submit this exact issue under each account number. I would like to note with this loan that on XXXX/XXXX/16 " XXXX '' stated the balance due for XXXX was {$140.00} because the loan payment went up in XXXX 2016. I was so elated that I paid the {$140.00} ( confirmation # XXXX ) and believed my struggle was finally over with this loan. But then on XXXX/XXXX/16 XXXX called and said that I still owed {$15.00} and then the monthly loan payment would be paid in full though XXXX/XXXX/16 with {$900.00} due on XXXX/XXXX/16 - so I sent a check for {$15.00} ( which cleared on XXXX/XXXX/16 ) and I paid {$900.00} for XX/XX/XXXX ( cleared XXXX/XXXX/16 ). Then on XXXX/XXXX/16 I received a statement that said {$1700.00} was due as of XXXX/XXXX/2016!!!!! And then I realized that the Escrow analysis dated XXXX/XXXX/16 ( received AFTER XXXX 's phone call ) states the loan payment is to rise from {$880.00} to {$880.00} as of XXXX/XXXX/16 so where did the {$15.00} increase XXXX quoted on XXXX/XXXX/16 come from?
Product: Credit card or prepaid card

I took an Amazon credit card out through Chase. I have been going through a financial hardship the last few months. I tried to negotiate a lower payment with them, they refused me however. So i've just not paid them since I started my new job. Because all of my money is going to other bills. 

So, because I haven't paid them, they call me anywhere from 1 to 5 times in a day now. Anywhere from XXXX XXXX XXXX This is harassment. I'm sick of it. I've told them its harassment. I've told them they're driving me XXXX. I've told them i'll pay when i can, etc. And they still call me, multiple times a day. They just called and woke me up at XXXX  on my only day off this week. 

I am genuinely being driven crazy by their harassment.