23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage loan was sold from XXXX to BayView loan service in XXXX and the transfer process did not go smooth it took them 3 months to give us an account number. in addition, they lost XXXX of our payments which caused three years of confusion which in turn lowered our credit scores significantly and we finally got it cleared up this month XXXX XXXX.
Product: Credit card or prepaid card

Capital One states that I owe an alleged debt for a credit card. I told Capital One that I do not owe them any alleged debts and that they did not provide any documents that was clear and obvious for me to make an informed decision for an agreement. I demanded to " Opt Out '' of them sharing my information to everyone and for them to properly validate this alleged debt. They ignored me by not validating the alleged debt and continuing to share my private information Capital one stated that they do not have documentations for the agreement, that means they are sharing false and misleading information about me to third parties including credit reporting agencies. See attach.
Product: Credit card or prepaid card

1. Sometime early XX/XX/XXXX after moving to the USA from XXXX I lost connection to my online Chase accounts. I received letters from Chase concerning strange activities on the account but was unable to identify what these were until Chase sent me a detailed account in XX/XX/XXXX. It was then I noticed the suspicious activity ( deposits and expenses ) on both credit cards. 
2. Before sending the statement Chase had suspended the cards and I subsequently shredded the cards. 
3. I communicated in writing to Chase Credit Card Services about my concerns but they never replied. 
4. I never made the deposits or the expenses I have identified as fraudulent.

5. Having not worked since XX/XX/XXXX, when I resigned from the Federal Government, there is absolutely no way I could have made a deposit in the magnitude that is reflected on those credit card statements. 
6. A study of my purchasing pattern would also reveal that I have never made purchases in the magnitude reflected on those statements. 
7. I have had these cards for several years and I have never had a late payment on them, before this situation developed.
Product: Credit card

I had filed this FTC Identity Theft Affidavit and now to the CFPB to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
2. credit card account opened at XXXX XXXX . 
3. credit card account opened at XXXX XXXX XXXX. 
4. Another personal credit card account opened at XXXX XXXX XXXX. 
5. A personal loan account opened at XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Debt collection

PHEAA offered rehab program based on my income. I receive {$1300.00} from XXXX. PHEAA garnished $ XXXX/mo for several months and then began taking $ XXXX/mo as well. I demanded they stop taking the {$200.00} as part of the rehab program but they are still garnishing me $ XXXX/mo which I do n't believe is based on my income. Also, they should be able to forgive the entire debt based on my XXXX but they wo n't because I get reviewed every 2 yrs instead of every 5 yrs. This is ridiculous XXXX.
Product: Mortgage

Please see the attached  XXXX   XXXX   XXXX  for details of the homeowner 's grievances regarding   Ocwen Loan Servicing.
In brief, Ocwen Loan Servicing made a modification agreement with the homeowne  r in  XXXX , which she paid into faithfully for several years. However, although Ocwen accepted the payments, Ocwen did not honor the loan modification. In  XXXX   Ocwen  rejected payment. In  XXXX  Ocwen commenced a foreclosure action in which the  XXXX  modification agreement was not acknowledged. Ocwen has since agreed that the modification took place, but has not corrected the account and continues to charge interest and demand payment as though the  XXXX  agreement had not occurred.  ( See paragraph 12 of t he Plaintiff 's Opposition to  XXXX  to Dismiss. ) Ocwen has thus far been unable to provide a clear accounting of what has happened with this loan.   Later in  XXXX  the homeowner received a notice from  XXXX , through which many of the payments were made, indicating that Ocwen had rejected a large number of her payments. This was the first time she received any notice that her payments from   XXXX   through  XXXX  were being rejected. They had been accepted previously.
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX, again on XX/XX/XXXX, and again on XX/XX/XXXX. After every single payment I received a email saying thanks for your payment then 3 days later payment reversal. And, next it is on my credit report. I had to dispute the credit report to get it fixed. I've cancelled the card, but now they are saying I still owe there fees. I NEVER USED THE CARD! I have had money in my XXXX account and my XXXX account to cover every payment as well. I tried to pay the card with both accounts and both got reversed. It seems to me that INDIGO is just messing people 's credit up worse.
Product: Credit card or prepaid card

I reserved a room for XXXX days on XX/XX/XXXX. There is a {$50.00} per night deposit placed on your card. I reserved the room online and presented the card at check in. A week after checkout the hold was still pending. I called after the XXXX the company claimed was the most it would be held and was told I needed to submit paperwork with the amount, my name, and the last four of the card. My paperwork didnt include the card number but I included it in my email. They said it had to be in the Invoice so I drove to the hotel and got someone at the front desk to print me out and invoice with the card number on it. By this time the phones had been released over XXXX weeks ago and the amount was showing XXXX in their system instead of XXXX so the lady hand wrote the amount up on the invoice. This bank is refusing to refund my money and tell him that I will have to wait until 30 days to get this money back when it was released on XX/XX/XXXX and there is no reason for them to be holding i
Product: Checking or savings account

Bank of America decided to close my account for no reason while I had several disputed pending against the reason why my account was in a negative balance. They were allowing someone access into my account by not removing the number ending in XXXX from my sign-in verification after I had removed the number from my account. They were giving other people access into my account. They lied about a check being deposited on XX/XX/XXXX, which I had disputed before it even deposited so I can assure you that check was never deposited into my account. The check was fraudulent and I did not deposit it which is why I disputed the check that was deposited into my account. Now Bank of America is stealing money from my dispute resolutions knowing lying saying that the check deposited on the XXXX when that check never deposited into my account. They only closed my account to stop me from getting the money I am entitled to. I want my money back they stole, and I'm ending my banking relationship with them.
Product: Debt collection

Penn Credit Corporation continually called our home trying to collect a debt we did not owe with a false account number and amount owed. The woman on the phone demanded a credit card to pay off the amount due immediately. I refused to give information over the phone and asked for the creditor and account number for the amount due. I then called the City of XXXX revenue borough to make sure that I did not owe money. Penn Credit had given a false account number and tried to collect over {$4000.00} not owed the city of XXXX. I can only assume this is a scam!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld System XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Final Request for Removal of Inaccurate Collection Account Account # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. There is no verification that I owe the debt. I would like for you guys to provide a verification of my wet signature to be sure I owe that debt. 
I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file.

Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 
Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. 
Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX
Product: Debt collection

Midland Credit Management keeps calling my cell phone using an unknown number 3-5 times a day. I do not have any accounts associated with them and they keep asking for personal information from myself and for a family member which I will not give them. A XXXX man that can barely speak XXXX was very rude cause I would not confirm my name or my family members phone number or address.
Product: Debt collection

On XX/XX/2019 a report of an unpaid electric bill was reported on my credit report for {$290.00} from LJ Ross Association for XXXX XXXX XXXX at an address I have never lived at. It was someone that put in my name with my social security number. I have lived at my same address for the past 3 years and before that 2 other apartments in the past 4 years and then before that was the home I grew up in. I have never even had an electric bill put in my name and it has always been in my husbands name. I called the given number on my XXXX XXXX app for the debt collector and they told me I had to file a report to get it taken off my credit to prove identity theft. I hope you believe what I am saying and I can provide proof of my address if asked. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted disputes to Equifax, XXXX and XXXX   regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX  ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.
Product: Credit reporting or other personal consumer reports

I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand that you are making it hard for me to request to remove these inquiries on my credit report. 

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

On XX/XX/XXXX XXXX, Equifax, and XXXX were requested by me the consumer to correct inaccurate loan information and inaccurate reporting of payments, as well as, place XXXX XXXX XXXX XXXX into a dispute status as the company has defaulted on their administrative process and failed to verify the debt. Serviced registered mail, return receipt through the United States Postal Court under the authority of the XXXX XXXX XXXX. According to the Administrative Procedures Act we have a contract and they have no claim to the account and it must be deleted immediately on request from the consumer. XXXX, Equifax, and XXXX sent me an updated report 10 days later which reflected that they verified the debt with XXXX XXXX XXXX, which I could not do. I sent them the attached letter on XX/XX/XXXX certified mail, return receipt as evidenced, as an attachment. I demand that XXXX, XXXX, and Equifax in accordance with the Fair Credit Reporting Act, 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) to present to me the physical verification of the original signed consumer contract signed by me the consumer. Federal laws gives them 15 days to present this to me and they have failed to do so. It is confirmed that the account can not be lawfully verified and as such must be removed from the consumers credit report immediately. This is a gross violation of my privacy and against the privacy act of 1974. I expect my credit reports to reflect this change in accordance with Federal Law. If this is not corrected I will bring this issue to the Attorney General and Comptroller of Currency and start collections according to what is allowed by Federal Law.
Product: Debt collection

I do not know where this debt comes from. I have not been in the US for 7 years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX of SECURITY FIN # XXXX is in violation of the FCRA for the crimes of Inconsistent Reporting and Inaccurate Reporting. Security Finance has provided inaccurate information to the credit reporting agencies. For instance, the accounts payment history is inconsistent, showing late payments of XXXX, XXXX, XXXX, and XXXX  days late and then reverting to 90 days late. And I received a letter XX/XX/2023 stating that the information is accurate and they reported it to XXXX and XXXX but i dont have it reported to my XXXX credit report and if no payment was made after XXXX LATE DAYS, how could it revert back to XXXX LATE DAYS? These inaccuracies constitute violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which obligates furnishers of information to ensure the accuracy and integrity of the payment history they provide to credit reporting agencies. I have submitted supporting documentation that outlines these violations and discrepancies committed by Security Finance on my consumer report under the FCRA. I request an immediate re-investigation and the removal of the account in question due to these infractions. Additionally, to avoid inevitable legal action under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681o ( a ) ( 1 ) ( A ) for these violations, I kindly request that you include a {$1000.00} check as compensation. {$1000.00} per violation for statutory damages sent to the address provided above.
Product: Mortgage

Today I learned that Seterus had started foreclosure on my home. I did not receive a phone or letter. 

I only found out by calling on a status of a payment that had not been credited to my account. 

I had paid this loan late but always made consistent payments. I sent in two payments in early XXXX, on XX/XX/XXXX, but the company returned them. 

I have until XX/XX/XXXX to bring the loan current. My concern is the failure to be notified. I did receive some mail from the company, but not an official notice telling me the property was in foreclosure. 

This is wrong. It doesn't matter what the company has done to help, or my loan is modified. It's just wrong, and it is not ethical.
Product: Checking or savings account

On a monthly review of my account online, I found {$2100.00} worth of transactions I did not make. Call BOA same day to report. On a call a few days later to check status found they showed amount only {$1400.00}. BOA rep and me found that 2 amounts were not included cuz one was pending at time and one just was not recorded. Filed 2nd claim. BOA denied first claim but issued provisional credit for 2nd. Denial was that no posting error occurred. Called BOA was told send police report. Faxed BOA police report as well as info I found in my own research that XXXX pays were made to friends he had on his XXXX account and that his girlfriend in Utah was one of the people that got a XXXX pay, she sent me a text she got from person I named as the suspect that makes reference to the amount of the transaction sent to her. I also informed them that one charge was made in Utah where I have never been and that was alerted me to who I believed stole me card info. Followed up with the girlfriend and she never got call or letter from BOA asking for verification of my evidence. BOA denies claim again. Called BOA for more info and was told that 1st claim was being denied for all transaction because of one specific transaction made where my card was present, all others were made as on line purchases. I explained to bank that I had let this person in my home and that he must have stolen my card used it, then put it back so I would not suspect anything then continued to but thins on line.

I faxed bank proof of my whereabouts for the specific transaction with statements from 2 different parents for whom I was providing childcare for on that date and time and also verifying my exact location along with copy of google timeline that backed it up. BOA did not call at any time either parent for verification. BOA denied again. Sent final demand letter and never received a response from BOA The 2nd claim filed for {$660.00} was approved and returned to me. They only deny the 1st claim
Product: Credit reporting or other personal consumer reports

Incorrect information on report. No debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover had approved me for a credit card in early XXXX of 2020 and then it took about one month before they even cleared me to use the card. I went through all kinds of process, tax return, identification verification, and etc. All to which started to use the card aroundXX/XX/2020 and then within 1 week the card is closed by the grantor for what reason I still dont know. To top it off the are harassing me for the {$1300.00} back on the card and didnt even use but about {$380.00} dollars worth of credit. Please help me out with getting this off my credit because it is causing me Extreme Financial Hardships.. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX ( cellphone ) XXXX ( email )
Product: Mortgage

Step 1 : What is this complaint about? XXXX XXXX once XXXX requested proof of insurance.

Step 2 : What type of problem are you having? Company issued threatening letters to me during the Coronavirus time of duress because it did not have proof of insurance. Once I produced proof of insurance, I called the XXXX  insurance department and complained about the threatening letters and threatening tone of the letters. I indicated that many other financial companies are issuing refunds, returning premiums and essentially being kind to their respective customers during the CoronaVirus time of duress. I asked if the company representatives were aware of the news and requested that I be contacted by a supervisor and receive an explanation and an apology. I haven't received any communication from the company other that XXXX providing a letter indicating that it receved proof of insurance. I want an explanation and an apology. 

Step 3 : What happened? Company issued threatening letters to me during the Coronavirus time of duress because it did not have proof of insurance. Once I produced proof of insurance, I called the XXXX  insurance department and complained about the threatening letters and threatening tone of the letters. I indicated that many other financial companies are issuing refunds, returning premiums and essentially being kind to their respective customers during the CoronaVirus time of duress. I asked if the company representatives were aware of the news and requested that I be contacted by a supervisor and receive an explanation and an apology. I haven't received any communication from the company other that XXXX providing a letter indicating that it received proof of insurance. 

Step 4 : What company is this complaint about? Threatening tone of communication to its customers and degrading tonality in XXXX written communication. Lack of awareness that the country is in a national emergency and apparent refusal to adapt processes and procedures like many other financial firms have done. 

Step 5 : Who are the people involved? XXXX  XXXX C/O PHH Mortage Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reached out to TransUnion on 3 different occasions to get my credit inquiry and 2 accounts removed from my credit report that do not belong to me.

I filed an identity theft report with the FTC ( FTC Report Number : XXXX ) XXXX. 
I forwarded this information along with a dispute letter to TransUnion and was told the accounts were verified. I included a copy of my ID and social security card to prove my identity as well. The 2 credit card accounts that are causing me a lot of problems are from XXXX and XXXX XXXX. Both have been closed and charged off on my credit report causing me serious credit issues. 

I just recently received another letter from TransUnion stating that inquires remain on my report for 2 years. In my letter I specifically asked them to provide verified information that I ( the consumer ) gave written permission for these inquiries. As stated in section 604 of the Fair Credit Reporting Act 15 U.S. Code 1681i.

TransUnion failed to provide this information and sent back a generic letter stating how long an inquiry should stay on the report.

In regard to the 2 credit card accounts Trans Union stated the information was indeed verified providing any type of proof on how these two accounts were verified and proof of my signature signed to authorize the use of these accounts. 

Creditor : Inquiry Date XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 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 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.