23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Every year the mortgage company is trying use shortage to the escrow account to raise the monthly mortgage payment. I have contacted the escrow department, and they are saying that i can't make the payments that is the sum of the 12 payments that is different from my current monthly payment and leave my monthly payment along.
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 these violations
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt, nor therefore any such debt in fact, therefore exists. ( please remove this account before I seek litigation for defamation of character. ) 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 card

I had opened Spark Business Credit Card by Capital One Bank on XXXX/XXXX/16 and had limit of $ XXXX due to excellent credit and done transactions total of {$120000.00} on this credit card. The problem was that our business checking a/c at XXXX XXXX XXXX had ACH Filter to stop ACH transactions which are not part of " allow '' list to stop fraudulent transactions. 

Hence, the payments we initiated through web portal of Capital One got denied to our checking a/c due to ACH Filter. In order for XXXX XXXX XXXX Bank to add ACH Originators to " allow list '', they needed originator 's ACH Company ID number. I contacted the customer service of Capital One to get their ACH Company ID number but they were not aware of what this was and why it was required. Due to difficulty we encountered with Capital One, we decide to initiated the payment to our checking a/c held at XXXX XXXX and hopefully we shall finally get that ID from XXXX XXXX when XXXX XXXX rejects that ACH. The payments we initiated through web portal of Capital One got denied to the business checking a/c due to ACH Filter that account. 

Few days later due to unsuccessful attempts to get Capital One 's ACH Company ID, we decided to use our money market a/c with XXXX XXXX that had no ACH Filter and all payments were cleared successfully at every attempt to this money market a/c with XXXX XXXX. 

Also customer service of Capital One did conference call with XXXX XXXX XXXX three times to verify the funds and validity of account. 

Last week on XXXX/XXXX/16, Capital One bank decided to close the account stating fraud fraud suspension and saying the accumulated cash rewards {$2300.00} automatically get forfeited. 100 % of the outstanding amounts was paid in full before due date. 

Capital One bank is not fair by denying to pay us the accumulated cash rewards of {$2300.00} despite they charged merchant fees to vendor whom i purchased the goods from. 

If Capital bank is not willing to reinstall/active my credit card, then in all fairness they should : a. Mail me check of {$2300.00} cash rewards as they earned full fees from the merchants that i purchased goods/services and they got paid by me in full before all the due dates.. b. Ensure that my credit rating is not affected in any manner I must have talked to Capital for 4-5 hours on 7-9 calls ( including XXXX supervisors ) since we encounterd the 1st problem. Also was surprised to come to know during one of the conversation with their supervisor that the XXXX conference calls which we did with XXXX XXXX to verify funds were not on record with Capital One despite they ( Capital One ) made immediate credit available!!
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is XXXX. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been having my mortgage Loan since XXXX, original loanmade as a NON escrow loan. Taxes were added in XXXX, due to adispute with the City of XXXX XXXX. Original loan was made and serviced by America Home Mortgage, they later changed there name to Homeward Residential. In XXXX XXXX the servicing of the loan was transferred to OCWEN Loan Servicing. Ever since XX/XX/XXXXI have paid my own Insurances. In XXXX of XXXX, I received anescrow analysis for XXXX, giving a breakdown of the escrow, with no floodor home owners insurance being collected.In XXXX XXXX, I receivedan escrow analysis, indicating that Ocwen was going to collect forthe flood insurance and my new payment was increasing by as {$450.00}, for a {$1200.00} flood policy. there was no explanationas to why they were doing this, even though they had proof thatflood policy was enforce, with Ocwen as Loss payee. I calledOcwen to inquiry as to why my payment was increasing by $ XXXXXXXXand was just told they were going to start escrowing for floodinsurance. As I explained to them the Original Lender and myOriginal note and Mortgage contractually did not call for an Escrow. 
I was then told to Pay the shortage and send a letter requestingto remove all escrows, which I did on XXXX XXXX, XXXX, and with in XXXX a new analysis removing the escrow and a new payment willbe calculated with out the escrows. As of this date this has not beendone nor has a new analysis been preformed. I have made theprincipal and interest payments as per my contractual obligationson the Note, each month. However Ocwen has posted the paymentsto the Principal Interest and escrows, even though I have spoken tono less then XXXX representatives of Ocwen, only to be told : it is stillunder review, the escrows have been remove, a letter will beforth coming, you are current on your mortgage, we willrepost the payments etc ..., as of this date NOTHING from them. 
Now they are Reporting to the credit bureau that I am {$3000.00}. 
past due, and this has caused some problems. I have NEVERbeen late on this mortgage and I pay my bills monthly. Thiscompany has a horrible reputation for doing very strangethings to people concerning there Mortgage loans, I feelthat they will want to take my property, which by the way is about $ 50,000..Underwater.
Product: Credit reporting or other personal consumer reports

I recently had a credit score of XXXX, but an incorrect dispute was made without my knowledge against XXXX of my accounts with XXXX  XXXX causing me to go from a score of XXXX to have no credit or credit history at all. I have been diligently trying to reach someone who can assist me with correcting this information. dispute number is XXXX.
Product: Debt collection

I discovered the debt on my credit report, I disputed the debt and sent proof I was a victim of identity theft they sold it to another third party instead. I sent letter to the credit agencies and still not removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven year

s. 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 or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XX/XX/XXXX I received alerts that this collections company " Capio Partners LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, tel XXXX '' placed an entry on my XXXX and XXXX credit report for the amount of {$91.00}. Because I did not recall receiving a letter or any type of communication from the company regarding the matter I contacted them and spoke with a representative regarding the debt. She advised it was the remaining unpaid balance of a hospital bill. She read the address to me and it was not the correct address, so I provided her with my correct address. I told her that what her company has done was illegal as it violates FDCPA law ( specifically section 809 ) because I was never given an opportunity to even review their claim of the debt owed, to research it on my own, or even dispute the amount because again, they sent the bill to the wrong address. So the representative asked me to hold and she comes back and says that her supervisor agreed to delete the entry from my credit report if I paid the debt since they acknowledged that they did in fact send the bill to the wrong address. I said that was not acceptable because it is still in violation of FDCPA law, I said no you must first remove the entry on my credit reports, send me an official bill/statement to my correct address, then allow me to exercise my rights as a consumer or pay the debt if it is in fact owed. She again said that I was incorrect, that they would only delete the entries if I paid the debt. I told her that she was wrong once again, I asked her to send me a copy of the bill, and then I advised her that I would be filing complaints with the XXXX and the CFPB because what theyve done is illegal. Then today when researching their company to file this complaint, I noticed in my personal email that I had communications with their company back in XX/XX/XXXX where I had them update my address and to send any further collections notices to my proper address. A lady by the name of XXXX XXXX acknowledged that I was correct and sent deletion notices to the credit bureaus and send me a letter indicating that she had in fact requested the deletions. They were deleted within a week I believe. I Feel that this company has a bad habit of placing entries on consumers credit reports with no regard for FDCPA laws. Additionally, by the representatives response of theyll delete it if I pay it was more of a bribe attempt in my view. Instead of her acknowledging that they did not follow the law with my particular debt they claim I owe, they wanted to extort monies from me first before I even had a chance to research to see if the debt was even owed. This is incredibly inappropriate for any company to do to a consumer in my view.
Product: Credit reporting or other personal consumer reports

XXXX writing to you today to inform you I was the victim of identity theft. Per FCRAsection XXXX you are required to remove/delete any items listed on an id theft report.Please find the required documents to assist in the deleting of the erroneousinformation which is being posted to 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX BalanceOwed : {$2700.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance XXXX : {$0.00}, XXXX XXXX XXXX Balance Owed : {$280.00}, 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 and XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the credit bureau shall removing any information in the file ofa consumer that the consumer identifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

This is my second complaint with this company. Its so incredibly frustrating to try to make an online payment and EVERY TIME I try I am told my account is not recognized. I try resetting my password, still wont work. I have been charged late fees and even had my credit limit reduced because of this. It should take 30 seconds to log on every month and make a payment. I do not have time EVERY MONTH to try to reset passwords and user names just to make a payment and even when I do this it still doesnt allow me to log in. Ive tried the option of pay faster without signing in which is a joke because I input my entire account number and it says not recognized! I know for a fact this is affecting others because my husband has the same issue and so does my mother in law. The last time I complained the company did refund my late fees, which is great, but they didnt fix the problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 
XXXX & XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Vehicle loan or lease

Santander Consumer USA Inc. reposessed my car XX/XX/2023. I was unaware that a payment was sent back by my bank. They did not call me to inform me or give me a chance to make a payment. Their response was there is note that says " do not call ''. That was false. I also have call logs that prove after repossession they called me offering me to pay XXXX to remove the XXXX balance from my credit report after they already sold the vehicle. I was only two months behind on payments when they repossesed my car. This account is preventing me from obtaining a new car loan. I have been without a car since then which is causing hardship. A representative told me that if I made payments it would not lower my balance on my credit report, which was false. I agreed to pay XXXX to settle the account and made the {$100.00} payment to them. I asked for an agreement in writing and they refused to send and never sent the letter agreeing to the terms. I am a victim of Santander Consumer USA Inc. credit reporting violations in connection with its auto loans like the others listed in the recent lawsuits.
Product: Credit card

Twice I contacted Chase Freedom Credit card services. Once by private message and once over the phone. A transaction for {$130.00} was removed after I paid my balance and I was not credited the {$130.00} by Chase. The charge was just gone. There was no record of the charge several weeks later. They have been using their command software to remove charges, edit my statement balances month to month. They have completely wiped disputes on my credit card statements in some vain attempt to hide illegal account manipulations. They have done this without my knowledge or permission. I have been over billed by Chase Freedom on several occasions by them editing and increasing my statement balance. 

The attached photo shows a charge that I paid myself through the credit card statement balance 7 days after the original charge. I bought the item on XX/XX/year>, and I paid my credit cards statement balance on XX/XX/year>. Over a month later the charge was wiped from my statement and I never received the item or the {$130.00} credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a email from Experian stating that my XXXX XXXX XXXX card had dropped my score down 33 points on the credit report they're reporting that it was not paid in 3 months which I'm on a hardship program that allows me to pay {$20.00} a month for the payment I have been paying the payment for the last 3 months I did not make XXXXXXXX XXXX payment but I was going to make it on Sunday and they are reporting that I'm 3 months behind when I am not I've repeatedly called XXXX XXXX XXXX to tell them that my account is being reported in the accurate they said I need to take it up with the credit bureau I've disputed it with the credit bureau and the credit bureaus telling me that I have to take it up with XXXX XXXX XXXX and right now they're causing my credit score to go up and down for the last four months they have been going back and forth into my credit reporting and taking my score down 33 points one time 25 points one time 50 points almost one time before this and it is an abuse the account is closed I've been asking them to remove the account the credit for the account was {$300.00} that turned into almost {$900.00} worth late fees and finances fees.this card has been closed for over three years and I've been paying to try to get the card back down to the lowest credit utilization so that way I can maintain a balance of {$300.00} which was the original credit amount this credit card company has been nothing but a pain because they do not do anything to help the consumer I've been calling them for the last month or so just in reference to them going into my checking account to take out {$20.00} when it was already paid I would like to dispute this one again and file a complaint as formal complaint this time because I'm going to consult a lawyer after this because I can't get any result from XXXX XXXX XXXX neither the consumer finance government.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/ Maam To whom it may concern, I have a few late payments to my Loan # : XXXX which is now current and up-to-date payments immediately executed. On XX/XX/XXXX my wife XXXX  unexpectedly. 
Her XXXX  was and still is a severe setback for me in many ways. She was the finance specialist of the household and I did not handle bill payments for almost XXXX decades. 
Her XXXX  unfortunately deeply affected my bill-paying capabilities. Not financially, but just learning the strategy of paying.

Our mortgage was set up with an institution that closed or inactivated our account upon notice of my wifes XXXX.

The majority of our bills like this one are on auto-pay. By inactivating the account ( un unknown to me ) while the funds were in the account the mortgage payments were not processed. 
As soon as I was notified ; the problem was corrected and I have set up autopay once again now with XXXX. I have also written Experian, XXXX, and XXXX to rectify the credit issue. 


Thank you in advance for your assistance to resolve my situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  MD. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2021 all 3 credit reporting bureaus dropped my credit score XXXX points at one time ( from mid XXXX to XXXX ) for my student loan payment reporting past due even though all my other credit obligations showed exceptional payment history and never late. In my history of having credit, even when I had bad credit, my score had never dropped this significantly at one time for my past due student loans or any debt. This seems very suspicious and unlawful.
Product: Debt collection

On XX/XX/XXXX, I was contacted by XXXX XXXX an account manager at Midland Credit Management. According to XXXX XXXX, the Account XXXX at Midland Credit Management, this account was opened on XX/XX/XXXX. XXXX XXXX stated that {$920.00} was outstanding on this XXXX account. I spoke with XXXX 's Fraud Department and they have no record of this account or of selling this account to Midland Credit Management. XXXX XXXX XXXX an account manager at Midland Credit Management would not provide me with additional information on this account and informed me that I would need to file a police report in order to resolve this matter. I then went to my local police department and filed an identity theft report. I called Midland Credit on XX/XX/XXXX and spoke with XXXX XXXX again and he insisted that I owed {$920.00} to his company. I informed him that XXXX has no record of an account being set up in my name. I asked him who his company bought this debt from and he stated, " I can not provide you with that information. '' I asked him if his company was trying to defraud me and he said, " Would you ask a thief if he was trying to steal from you. '' XXXX XXXX then quickly hung up on me.