23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Regions Mortgage is not reporting correctly on several if account. This account is not in the wage warner plan. The balance is incorrect, last payment date is incorrect. 
REGIONS MORTGAGE XXXX XXXX XXXX XXXX, MSXXXX ( XXXX ) XXXX Account Number : XXXX Status : XXXX Account Owner : Joint Account High Credit : {$200000.00} Type of Account N/A Credit Limit : Term Duration : 20 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$2000.00} Scheduled Payment Amount : {$2000.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Date of First Delinquency : XX/XX/XXXX
Product: Debt collection

THE BUREAUS {$710.00} On XX/XX/XXXX I sent a letter over the The Bureaus to get more information on this debt that I do not recognize. They responded with a letter dated XX/XX/XXXX with a summary of the details which does not make much sense. 

Date of last payment showing XX/XX/XXXX but the date of the first delinquency is XX/XX/XXXX which is 85 days after the date of last payment. Charge off date XX/XX/XXXX which would be 243 days from the date of last payment but 158 days from the date of first delinquency which I thought would be 180 days for charge offs. Also I sent them another letter on XX/XX/XXXX for more information because nothing made sense including the bills they sent to me. Bill due dated XX/XX/XXXX with a balance of {$530.00} XXXX XXXX ) then a bill with no due date just a balance of {$710.00}. ( XXXX ) Where are the bills from XXXX? 

On XX/XX/XXXX there was a settlement letter from yet another place called XXXX XXXX XXXX XXXX on behalf of The Bureaus but nothing about what I have been asking.
Product: Credit card or prepaid card

I was pre qualified to an XXXX XXXX from capital one {$0.00} annual fee 0 % apr on purchases and balance transfer for the first 15 months : after that a variable APR. After applying i was told that i could not apply for balance transfer for a 11 days this was XXXX XXXX. 
I did not try to get the balance transfer till XX/XX/XXXX, i was told that i had no balance transfer available. I than called the number on the letter i received. They connected me with a representative at CapitalOne. Who proceeded to tell me that i did have a balance transfer available. I was unable to do it at the time, because i did not have correct amount to tell them to transfer I spoke with them on XX/XX/XXXX. I said i would call back and asked that this was still in affect. She said yes. 
I called nine days later XXXXXXXX XXXX, and was told that I did not have the balance transfer. When asked how come XXXX days prior i had the balance transfer. I was told that it was their discretion to change their offer and that their policy on discretion superseded the law. Also that they can rescind their offers at anytime. They would not provide me with a letter of denial refused to speak with me because they thought i was recording the conversation, even though they were recording. I was told there was no supervisor for me to speak with. I feel that i was mislead given false information and discriminated My rights have been violated, This was misleading information. Representative ended the call because she did not hear me respond three times to her regarding my intent to record the call. I was told with the representative that i spoke with on XX/XX/XXXX that i had 15 months to do balance transfer from XX/XX/XXXX. I tried to resolve this problem. CapitalOne would not cooperate
Product: Credit card or prepaid card

Dear Sir/Madame, The following complaint pertains to a previous case that was opened on XX/XX/2017 - case # XXXX. In that circumstance, I explained the reasons for my dispute with Synchrony Bank. In a nutshell, the bank opened 2 accounts and twice put me in collection without any notice. I was the victim of an identity theft. The fraudulent person only knows my social security number and my date of birth. As far as I know, he/she does not have any other piece of information. I was questioning why Synchrony Bank opened 2 accounts under my name and put me in collection twice when the identity thief only had 2 pieces of information ( it 's my understanding that, regardless of any precise regulation, the well-established rule of thumb is " at least 3 pieces '' ). In their reply, the bank states that the fraudulent person also has a valid previous address of mine that was verified before opening the accounts. All credit reports by the 3 main agencies show the incorrect address as solely submitted by Synchrony Bank. On several occasions, I asked the bank to corroborate such statement that is relevant to the case and that was submitted under the supervision of a governmental agency. I was told that the Bank has no way to prove the accuracy of the statement. Unfortunately, there is a history of Synchrony Bank providing me with inaccurate information. Why should I trust them now? Two weeks ago, on a voicemail, I was provided with the name of the agency from which they received the information and asked to contact it. Since Synchrony Bank is, in my opinion, largely to blame for the unpleasant incident, since Synchrony Bank made such statement a crucial element in dismissing my claim, should I not deserve clarifications? Who holds the burden of proof for something that was stated by Synchrony Bank, not me? Why should I contact a business partner of Synchrony Bank that does not have any previous interaction with me? Why should Synchrony Bank " wash its hands of it '' when the whole incident was created by the bank itself, not having the courtesy to contact me when so much information was incorrect ( the identity-theft does not even know my correct last name )? Is it too much to ask that, if you make a key statement under the supervision of a governmental agency, you also have to corroborate it? Thanks!
Product: Payday loan, title loan, or personal loan

I initially found out about XXXX via an online advertisement, and decided to check it out. Upon applying for the loan, I noticed that the application process was fairly simple. I was approved for {$810.00}, {$12.00} of which would be used to expedite the funds transfer into my account. The amount to be paid back was {$1300.00}, spread out over a 10-week period, which is extremely high for a pay day loan, but I was limited on options and decided to go through with it anyway. When the funds were issued to my account, I only received {$740.00}. Seeing this, I figured that the {$58.00} would be deducted from the balance or my first payment but it wasnt. This led me to do a little more research where I found out that the company was a scam that preys on struggling gig workers and entrepreneurs.
Product: Mortgage

My family was defrauded out of our first home. We were discriminated against in lending and foreclosed on leaving a debt of {$80000.00} on my credit report until XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) represented by XXXX XXXX, and XXXX XXXX were sellers of home, held a second mortgage and hired contractor, XXXX XXXX ; Neighborhood Housing the banking system/ first mortgage holder and represented by XXXX XXXX who was the property inspector ; XXXX XXXX XXXX XXXX XXXX XXXX-property inspectors,  signed off all inspections, appropriated state and government funds for housing project ; XXXX XXXX XXXX XXXX XXXX XXXX General Contractor all together were richly rewarded for their malicious efforts. They touted a Complete Rehabilitated home that was uninhabitable and after complaints and requests I paid for many repairs. XXXX XXXX sent various persons who did not do the work promised to complete and they did not honor the one year warranty given. We became displaced and my family of XXXX had to be separated. 
Approximately in XX/XX/XXXX I filed a complaint XXXX XXXX and XXXX XXXX ; XXXX XXXX ; XXXX followed where we had to not only fight for the home but also foreclosure proceedings. After approximately eight years of court proceedings, including the appeals court our Complete Rehabilitated home was considered AS IS.
Product: Payday loan, title loan, or personal loan

I had got a car loan with a company called Santander USA. I had asked for advancement on my loan because i had to relocate to an apartment they gave me a month then the company said i would have to pay in 30 days. So i did that then. They turn around and tryed to charge me interest. Then i made double payments in the same month and none went to the pricipal. Then they told me i owed them XXXX dollars off of one payment of additaional intrest then they caimed to the intrest.. I called to work things out they told me they were going to repo your truck then they said your 2 months behind then i asked why hasnt anything been appiled to the pricaiopal payment. there answer was you owe XXXX  dollars. 

Im sending in regrads please help. that this is clearly predatory leading.
Product: Credit card or prepaid card

Target has been having issues with the app lately and I was trying to get a old bank account removed off my credit card and unfortunately it didnt get removed and a payment of {$29.00} went through without my authorization on XX/XX/2021 and today it was returned by my old bank and I was charged another late payment fee of {$29.00} and I called target to see if they can get it waived and it unfortunately they cant do it for me and would put it in a dispute instead which it wont help at all since I have other two disputes open for over 90 days and I never got a credit for them and I would like for my fees to be waived one time I didnt want this payment of {$29.00} to go through and so target put it in dispute but they are unable to provide me a case number which is weird and they removed the {$49.00} dollar payment due which is also strange
Product: Bank account or service

Checks got to deposit to my checking account at Bank of America and these checks were considered bad checks I was not aware of these transactions and the checks was made out to someone other then me and not sure how the bank was able to allow them to be deposit and not sure if there was a signature which would not be matched to mine. They put a flag on my social sercurity # which now i 'm not able to open a bank account at any bank. I would like to get this removed they will not remove it said that I was responsible for the account. No money was taken and there was no lost to the bank. It is to late to report this to police since it happen in 2013 and I just found out about it.
Product: Debt collection

A debt collector named XXXX XXXX XXXX XXXX has been in contact about an alleged debt. There is no contract between XXXX XXXX and XXXX XXXX XXXX XXXX. There has been no proof as to why I am being contacted. XXXX XXXX XXXX XXXX has only shown me an alleged contract from another company and no where on this paper is XXXX XXXX XXXX XXXX listed. To have have my non public identifying information, such as my Social Security Number and my phone number is an invasion of privacy. I have never given consent to receive any correspondence from XXXX XXXX XXXX XXXX. I have also given notice to Experian about this identity theft. I submitted my identity theft report to EXPERIAN with a statement that this account is a result of identity theft. I also requested block on said information which is my right pursuant to 15 U.S. Code 1681c2 ( a ). The fraudulent account was never blocked and I never received notice of why such a block was not done. 

I demand a debt validation as it pertains to the FCRA from XXXX XXXX XXXX XXXX, with a wet ink signature. If this can not be I demand the removal of XXXX XXXX XXXX XXXX from my credit report. 

I demand Experian to send a description of the procedures that were used to verify this alleged debt. If this can not be proven I demand the immediate removal of this fraudulent acct. 

I may add, the date on this alleged contract is in XXXX of XXXX, but doesn't start reporting until XXXX of XXXX. The law states that selling a defaulted note ( no matter who's note it is ) is illegal and both the seller and purchaser are criminally liable.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. I have attached a copy of my police report/FTC identity
theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 
Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau . 

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

I recently reviewed my XXXX Credit Report and viewed that AFNI, Inc. placed a collection record on my credit report. I tried communicated with AFNI, Inc. and was unable to resolve the matter. They are alleging that I owe {$550.00} to XXXX XXXX XXXX. I requested a validation of debt and which they are not able to provide me. I have filed XXXX complaints with CFPB with XXXX prior Debt Collection Agencies trying to obtain this amount that I do n't owe. I do n't have XXXX XXXX XXXX XXXX. The case # are XXXX Sunrise Credit Services and Case number : XXXX Receivable Performance both Debt Collection Agencies replied that they cant provide the validation of debt and immediately removed the record from my Credit Report. The reason why they cant provide the validation of debt is because I do n't have one. It is obvious that these debt collection agencies play games and pass these alleged debts to one another in attempt to collect money that is not owed. AFNI , Inc. is proof another debt collection playing in this game and using threatening and scare tactics to collect money that is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX ALL NEED TO BE REMOVED
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge-off listed on my credit report by COMENITY BANK/XXXX  and XXXX address an additional concern regarding the non-receipt of a XXXX form. According to my records, this account was charged off, but I have not received a XXXX form, which should have been issued if the debt was canceled or forgiven. 

The details of the disputed charge-off are as follows : Account XXXX : ... XXXX Creditor : COMENITY BANK/XXXX 

Under the guidelines of the Fair Credit Reporting Act ( FCRA ) and the IRS regulations, creditors are required to issue a XXXX form for canceled debts over {$600.00}. The absence of this form raises questions about the validity of the charge-off and its reporting on my credit report. 

I request the following actions : XXXX into the accuracy and legitimacy of the reported charge-off. 
XXXX from the creditor regarding the issuance of the XXXX form or confirmation that the debt was not canceled. 
Removal or correction of the inaccurate information if the creditor can not provide proper documentation. 
Thank you for your attention to this matter. Please keep me updated on the progress of this dispute.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process+ was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violation
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

As has been previously documented with this company on a monthly basis since XXXX XXXX  XXXX, I opened a " Chase Plan '' for 18 monthly payments - no interest - no fee- as confirmed in writing by them on XX/XX/XXXX. 

This no interest plan should end XX/XX/XXXX. 

Despite this they have charged me incorrect interest fees- most recently {$34.00} on XX/XX/XXXX and {$35.00} on XX/XX/XXXX. Total of {$70.00} I have paid for all my new purchases in full. I have even apparently prepaid the purchase amount in the chase plan in full early. I have sent corresponding documentation every single month. I have called the customer service line and spoken with a representative who indicates that I have no 18 month chase plan.

It makes absolutely no sense that any finance charge should have been applied to this bill in XXXX and XXXX.
Product: Debt collection

JEFFERSON CAPITAL SYST has constantly reached out in regards to a collection, that was fraudulently opened under my name.

I am aware that this is a collection company and i am not even sure what type of account was opened to begin with.

I never authorized this account nor opened up this account that is now showing in collections on my credit report.

I have filed an FTC report on the matter on XX/XX/year> I have also mailed out dispute letters regarding accounts fraudulently opened under my name to all three bureaus XXXX, XXXX and XXXX.
Product: Mortgage

Ocwen Loan Servicing engaged in " dual tracking '', violated the RM/SPOC requirements, and did not properly complete the short sale / loss mitigation options prior to conducting an illegal foreclosure in our home.