23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I contacted Google about hundreds of unauthorized charges on my email XXXX because I was in the hospital and someone stole all my personal info social Security number and driver 's license and all my banking info I filed 11 claims with Google and they gave me a portion of my money back buy all of its fraudulent and I called over and over and submitted everything online but I need all my money back not just a portion
Product: Credit card

My Capital One XXXX card was closed. There were two payments that were bounced back dud to insufficient funds, however when I made the payments, I directed them to be made from a different checking account than the one that was processed. In both instances I immediately submitted payment again for it to debit the intended account and it cleared. 

Two days ago, I called Capital One when the last payment showed as returned to ask why. The person informed me that it was charged to my XXXX checking account when I had initiated it to be charged from my Capital One checking account. I submitted the payment while I was still on the call. I had also asked the representative if this would hurt my relationship with Capital One credit, and they informed me it wouldnt since I wouldnt be late on my payment as I was paying two weeks before it was due. 

This morning, I looked at my account information to ensure the payment posted, and it did, however my account was permanently closed. When I called again, they said it could be because of the returned payment however the reason was because the account wasnt performing to Capital Ones expectations and I may have violated their policy. I asked for what specifically was violated, and they could not tell me. I asked to speak with someone higher on the matter, and the representative stated there was no contact information to provide for further details. 

In summary : There were two instances where I used the app to make payments and the wrong account was charged. No payment was late. I was told by Capital One this situation would not affect my account with Capital One because it was not late. My account was closed due to not performing to Capital Ones expectations, and was closed due to violating policy without stating what part of the policy was violated.
Product: Credit card

HSBC Bank Nevada did not provide a copy of an alleged contract ( Terms and Conditions ) upon request, despite listing an alleged debt based upon said alleged contract on at least XXXX credit bureau reports. I do not concede the validity of the debt, but would like to see the alleged contract so I can respond appropriately.
Product: Mortgage

Greetings, My name is XXXX XXXX and my Loan # is XXXX. Back in XXXX I purchased a home and set up auto pay. After one month I found out my loan would be serviced by LoanCare LLC. I waited for some contact, but apparently the contact information regarding how my loan would be handled and the loan number were mailed to a house I was not living at yet and did not have a mailbox. When I received the initial loan, my current address, email and phone number were given to the originator of the loan.. 
I called in at the start of XXXX, when no one had reached out to me from LoanCare, and I was told everything was good, just make your payments going forward and everything would be fine. 

Later I found out that I was in a 60 day grace period when I started receiving letters to my address that showed I had late fees. I called in and it was explained to me about the grace period and we worked out a repayment plan. On the same call they let me know that since the account was past due, my auto pay would not work. 

In XXXX I went to manually make the XXXX payment and from my bank account I could see the auto pay tried to come out at the same time. There was not enough money to handle the mortgage payment twice. This was attempted again before I could get things cleared up and get the payment in. By the time I could get the payment in, the report to my credit was already going to be made. 

I have since made up the payment, that should have never been behind, and LoanCare customer service removed all the late fees except one. They recommended I write a letter detailing what happened in hopes this situation could be cleared up and my credit be changed to reflect good standing and no late payments. Instead they denied any error in reporting and I assume they feel the situation did not warrant any further steps by them. 

Thank you in advance for your time and consideration. I hope this letter finds you well. 

Very respectfully, XXXX XXXX XXXX XXXX ~ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine or FCRA violations : or see why they put 23 wrong personal information on my reports : XXXX  : see attachments all from XXXX  show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX  XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

They call several times a day from different phone numbers. They are also calling family members regarding my debt and refuse to stop calling
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I filed a dispute with Equifax about the unverified many unverified collection accounts on my credit profile. These accounts were removed from the other two major credit bureaus. In these 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. I have uploaded the account and dispute letter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX a Bankruptcy was file and dismissed under my name. 

The Bankruptcy is being reported / re verified, reported incorrectly, to XXXX by XXXX XXXX, in violation of Federal Regulations.

I.E. Fair Credit Reporting Act Sec. 1681C, mentions nothing in in this act on the disposition of dismissals or filings, the law clearly states from " Date of Adjudication '' or " Order of Relief '', in the event of a " Dismissal '' there is n't an " Order of Relief or " Adjudication ''. 

or 1681 ( a ) 5 of the FCRA, for more detailed information. 

Therefore, XXXX XXXX is in violation of selling/reverifying public records to XXXX, knowing they are in violation of Federal Regulations and XXXX is aware of this and still refuses to remove said, Bankruptcy Reporting action, from my report, both companies need to be held accountable for knowingly violating Federal Law. 

So, all the reinvestgations have proven to be a farce and have n't held XXXX XXXX or XXXX to the letter of Federal Regulations
Product: Student loan

On XX/XX/2022, I received a letter of approval for discharged based on my application for the Borrower Defense Case # XXXX. I visited the Department of Education and Federal Student Aide website, but my account displays the message, ( Processing Discharge ). It has been over 180 days to no avail. Department of Education stated they have sent the notice of discharge to my servicer, Mohela, but Mohela redirects me back to Department of Education. I've been dealing with this issue since XXXX of 2022, with no updated answers. I am tired of waiting and not receiving feedback as to why my loans are not being discharged. 

This has been an ongoing issue with repayment of the loans.
Product: Credit reporting or other personal consumer reports

Inaccurate closed account reporting. 

I am disputing the reporting of an old, closed account with Consumer Portfolio Services. The account information is incorrect due to the following reasons : The account remains on my credit report beyond the reporting period allowed by law ( over 17 years as it was closed in XX/XX/year> ).
Product: Credit reporting

TransUnion received court documents that a judgement they reported on my credit was not mine yet, they have not removed it. They did verify that they received this information from a 3rd party not the court and it would be removed. This was over 60 days ago. They are reporting a collection from XXXX. They DID NOT VALIDATE the debt!!! but sent a little XXXX digit code to verify and received a XXXX digit code back. This collection belongs to a business not me and that was verified by the original creditor. They also have removed these from my husbands report but not mine
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I did not give consent or authorize or benefit from any of the unauthorize inquiries on my credit report.
Product: Bank account or service

On Friday XXXX XXXX XXXX I deposited a XXXX check from XXXX XXXX in XXXX XXXX FL. The check was drawn on XXXX Bank which is also local. When the deposit was made through the drive through I was informed there would be a hold. I received an Notice of Hold for Savings Which will be attached. On said hold there is no explanation or reason for hold. After having deposited large sums before I felt something was wrong in regards to the full amount being held for XXXX days and to be made available on the fifth day. At no point was it mentioned why a hold was placed, I was instructed if I needed the funds available prior to the XXXX I needed to speak with the branch manager. On Monday on XXXX of XXXX I arrived at opening at the branch I went in to speak with branch manager and was informed XXXX XXXX was not available. I spoke with the XXXX whom I can not remember her name. At that point she attempted to tell me that the hold was placed due to the amount of the check and the fact I " only '' had XXXX dollars in my account. Just to preface these are not new accounts, I have had this account since XXXX and I have not had overdrafts. I requested in writing the reason for hold, and she told me that she was not able to provide that to me. I informed her that it was required for the financial institution to provide me with a explanation of hold ( whether or not it was because of amount of deposit, or an Exception hold ). She still insisted that the only document they were required to provide was the " notice of hold '' I already had. I left and called XXXX Banking and spoke with a XXXX XXXX over the phone and she did confirm that an explanation was warranted. According to XXXX XXXX she spoke with the branch and the head teller XXXX XXXX would have on written explanation available for me to pick up at the branch. I told XXXX XXXX I would be at the branch at noon. When I showed up at the branch I spoke with the same FSS and she said that XXXX XXXX could not provide me with that document since she was in the Drive through. I explained that I was promised the document and then was told to go to the drive through to get said document. after going through drive through I still did not receive an written explanation of hold. Lastly, according to Expedited Funds Availability Act Section XXXX XXXX b ) if the hold is place due to the size of the funds the first XXXX is to be treated as an general deposit, and the rest can be held up to 8 business days depending on the locality of the bank the funds where coming from. XXXX XXXX said that only applies to Cashiers Checks which is False. Also, if there is an Exemption Hold then the reason must be provided to the consumer in writing as well. I still have a hold for XXXX until the XXXX with no written explanation provided, and the verbal explanation of my account having only XXXX dollars still is not justifiable according to the Reg CC/ Expedited Funds Availability Act. Just as further explanation my online banking says the hold is till the XXXX however I was explained adamantly the date was going to be the XXXX.
Product: Credit reporting or other personal consumer reports

My social security number is XXXX on XXXX credit report and equifax Credit report theirs is negative item that's 60 days late it supposed to be removed from my XXXX credit report and equifax Credit report theirs is a federal trade commission identity theft report on file please have XXXX remove the account and equifax
Product: Mortgage

I submitted a complaint # XXXX XXXX XXXX XXXX phone XXXX I am attaching information documents needed and adding more to my complaint my attorney finally contacted shellpoint attorneys whom which he said were very rude my attorney said they are adding my bankruptcy default payments to my current statements which should not be they still have not answered the subpoena that was sent also on my mortgage I am listed as XXXX XXXX also I had a hard time down loading my documents please let me know if you did receive the letter of recommendation from XXXX XXXX thank you
Product: Credit reporting

I have a student loan that went into default, I repaid it through the rehabilitation program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my fico score and this inaccurate information.
Product: Credit card

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Product: Credit reporting or other personal consumer reports

XXXX, Tranunions, XXXX need to remove late payment from XXXX XX/XX/23 XX/XX/23 15 U.S. Code 1666b
Product: Debt collection

I received in the mail blank court forms for a default judgement for an alleged debt that had been filed in my local court but was taken off the court calendar as I have no contract with this debt collector for any debt, nor is there any debt to be collected from me by any entity. Sending me blank court forms in by mail to threaten or intimidate me is mail fraud. 
I have repeatedly told this debt collector to ceases communications with me and they refuse to do so. This is particularly alarming due to the fact that there is no debt to be collected by anyone anywhere against me. Their behavior towards me had violated almost every provision of the FDCPA according to the FTC.
Product: Credit reporting or other personal consumer reports

I saw they made hard inquiries on my credit report 2 time, when just I authorized one time
Product: Debt collection

Suttell Hammer & White XXXX filed suit again me with a summons on XX/XX/XXXX. XXXX requested. Last hearing was case management on XX/XX/XXXX with this debt collector requesting continuance to XX/XX/XXXX reason to investigate an alleged request for hardship repayment knowing I never requested such a thing. Never spoke to anyone either regarding any request for repayment especially since I requested trial and was supposed to have trial XX/XX/XXXX. This debt collecting firm as of XX/XX/XXXX is required to have a license to do business in California however as of today, XX/XX/XXXX, they DO NOT. They have violated XXXX XXXX and new debt collection laws of California. They requested continuance to XX/XX/XXXX attempting to stall case to have chance to send what appears to me to be a forged letter from XXXX XXXXXXXX XXXX ( whom theyve claimed to have been representing since filing suit XX/XX/XXXX ) I received XXXX day after last hearing on XX/XX/XXXX, stating since they cant reach a repayment agreement they are NOW ASSIGNING the accounts to Suttell and Hammer and White. XX/XX/XXXX, I received updated letters this time they changed their DBA name from Suttell Hanmer and White to Suttell and Hammer. IMPORTANT POINT : PLEASE NOTE THEY LEFT OUT ON ALL LETTERS XXXX XXXX identifies which state they are licensed in. XXXX  XXXX or XXXX. are assigned to do business in certain states. Suttell & Hammer clearly violated my rights in many ways including no license number on any documents sent to me, not disclosing how to dispute any debt. Please note 2 days after my last complaint dated XX/XX/XXXX, on XX/XX/XXXX, XXXX XXXX XXXX Attorney based out here in California and who appeared at trial conference hearing in XXXX XXXX XXXX XXXX requesting time for hardship request, sent me a request to dismiss not stamped or filed by court but completed with her signature on it. Clearly attempting to make it go away without judge seeing facts in this case. Now why would she request a dismissal less than a month after her lie requesting a hardship request knowing there was never one and trial conference set XX/XX/XXXX? Also plaintiff XXXX XXXX XXXX advised me XX/XX/XXXX, and on another call I made to them XX/XX/XXXX, that they assigned these accounts to a new agency to collect called XXXX on XX/XX/XXXX. I would think BXXXX XXXX XXXX KNOWS they are being represented by Suttell and HammeXXXX but they decide to assign to XXXX before a trial??? I do not think so!! They are not licensed to do business here in California however are still doing so!!
Product: Mortgage

My mortgage was purchased by Ocwen in XX/XX/XXXX during a Short sell. Ocwen was taking so long to agree to the terms the buyer changed her mind. We had other buyers but no agreement was ever made. It is now XX/XX/XXXX and since then my property has been vandalized and all of the plumbing was stolen. I have asked them to foreclose or allow us to give the home in Lieu of foreclosure. Ocwen had declined both. I just want closure I have tried to short sell the home but unable to.
Product: Debt collection

Portfolio Recovery Associates, LLC has not provide me with proper debt validation. I sent them a letter asking them for debt validation. And they have not sent me any information proving that I owe them. I have the letter enclose that I sent to them and the response letter that they sent to me.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration with the way my multiple attempts to rectify fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX  I XXXX Balance {$1000.00} XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX  XXXX XX/XX/2023.
Product: Payday loan, title loan, or personal loan

This personal loan dates back to XXXX. However, when this company sold my loan to the company " SST '' my loan started over, with a maturity date of XX/XX/XXXX. However, my loan was almost paid off in XX/XX/XXXX, but XXXX has only provided the last contract which is not correct, showing double of what is owed on this loan. The original loan, from XXXX should have been paid off in XX/XX/XXXX and the new loan started in XX/XX/XXXX. However, I only borrowed {$3100.00} and the contract that XXXX presented to STT is not what I agreed to. I have no way of obtaining my original documents, due to the fact the website is shut down. XXXX never informed me they were ending their business nor transferring/selling my loan. I was not aware of what occurred, until I started seeing a different name ( SST ) pulling funds via ACH out of my banking account, although I never gave SST my banking information, to take payments via ACH out of my checking account.