23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a platinum credit card with Capital One that I was making on time payments to and had the account on auto pay. In XXXXXXXX XXXX XXXXXXXX, my checking account was hacked. The bank opened an investigation and advised me it could take up to 45 days for the investigation to be completed. During this time period, I forgot about the Cap One account being on auto pay. With work, kids, dealing with the issue of temporarily not having a bank account, it totally slipped my mind. The last payment made on the account before the issue with my bank account was XXXX XXXX. XXXX payment was missed. The issue with the bank was completed in XXXXXXXX XXXX XXXXXXXX. Once completed, I went into my Cap One app, updated my banking info, and scheduled a payment to pay off my entire balance per usual. Payment was scheduled on XX/XX/XXXX and posted on XX/XX/XXXX. I look in my app on XX/XX/XXXX and see that I need to contact customer service. I call them and was told my account was closed due to suspicious fraudulent activity. I was so confused about what this suspicious activity was. I speak with a manager in their fraud department and Im told that it was closed because of a returned payment. I went over what happened with my bank. Explained its a simple human error mistake and I wasnt thinking about Cap One because I had more important issues to resolve. I was told it was your responsibility to let us know. Like let you know what when Im already on the phone with my bank trying to figure that out. On the phone trying to figure out a new account. How Im going to get paid. I had other things to do all while still needing to work. I did my due diligence by making a payment the moment I could and get treated unfairly. I ask for proof and get a letter about fraud.
Product: Mortgage

I have not received any of my mortgage statements through the mail. This company has not recorded my deed of trust to my property in the county recorder 's office as of 2016. I have not received verification as well as validation to the following : 1. Chain of Custody of Title to my property 2. Validation of the actual debt that is claimed payable and due my property 3. Proof that you have applied for the default insurance for my property 4. A comprehensive and certified copy of all the accounting ledger since the accounts creation of my property 5. A power of attorney to act or represent the interest of the alleged holder of this note to my property 6. Legal proof that you have perfected title to my property
Product: Credit reporting, credit repair services, or other personal consumer reports

This is THIRD follow up complaint. I had a issue that was reported to the XXXX XXXX XXXX XXXX I filed a complaint with the FTC over someone using my information to get accounts and loans. Someone recently was able to apply for several loans. I live in XXXX  my ID is being used around the country. Please remove the following accounts and inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My vehicle was repossessed by XXXX XXXX in the State of Georgia on or about, XX/XX/2015, and resold on or about XX/XX/2015. Under the laws of the State of Georgia UCC, O.C.G.A. 10-1-36 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. These notices were not given an violated thus law. I was not given a 10 day Notice of Right of Redemption/Right of Reinstatement '' if the car was sold at a private sale, the date of the intended sale if the lender intended to sell the car at a public auction, they didnt notify me of the time, date and location of the auction to give me the opportunity to bid on the property or bring your own bidders an explanation of your liability if I owe a deficiency balance after the sale a description of how I could obtain an explanation of how the proceeds of the sale are applied to my debt obligation a description of how I can obtain an explanation of how the lender calculated my debt obligation contact information to find out more information about the upcoming sale. 

During the end of the loan I was harassed by your customer service representatives with threats of wage garnishment and other legal matters. Under the Fair Debt Collections Practices Act you are not permitted to harass me with such attempts. I have reached out via certified mail and was ignored the following proof of documents and not reached out to by anyone of the company. I'm looking for my account with all 3 credit bureaus and responsibility  for the balance your stating I owe in collections to be removed. If not I will take things in to a legal matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I initiated a wire transfer for {$25000.00} from my personal Wise account to my personal XXXX XXXX account in XXXX XXXX XXXX XXXX. The funds were wired first to Citibank ( domestic bank intermediary ) but never arrived at my account in XXXX. XXXX reportedly partners with XXXX XXXX XXXX to provide the wiring services. The funds remain missing. I have numerous emails from XXXX support team advising that I contact Citibank to return the funds. However, Citibank emails claim that only XXXX can authorize an investigation or recall of the funds. After much pleading, XXXX reportedly issued a " recall '' of the funds but sent me an email today ( XX/XX/XXXX ) claiming this was unsuccessful and " there is nothing more '' they can do ( they provided no verification that they had actually made an effort to retrieve the funds on my behalf ). I also met with a XXXX XXXX XXXX XXXX locally in XXXX ( XX/XX/XXXX ) who couldn't help with researching the missing funds ( even though XXXX XXXX XXXX managed the wire ), in part because I don't have a banking account with them. I have a copy of the Wire Transaction Details ( with the XXXX XXXX logo ) indicating that the initial beneficiary bank is Citibank XXXX. I am now " stuck '' as XXXX won't assist, XXXX XXXX won't assist, and Citibank claims only XXXX can issue a recall. It seems Citibank has captured a {$25000.00} windfall that is my money ( which I desperately need ). 
My complaint relates to all parties involved, who have participated in the transfer of funds, and have been unhelpful at locating and returning the funds : XXXX, XXXX XXXX XXXX, and Citibank ( who I believe is holding the missing funds ).
Product: Checking or savings account

I made 4 transfers to my account and went to a hotel for a two day stay. While sleeping my bank noticed the hotel used my card information to process 4 extra transactions totaling XXXX without my knowledge and failed to notify me via text message. Instead they waited til I tried to use my card again to notify me what was done causing me pain and suffering In trying to get the funds back. They did not allow me to file a immediate dispute and told me to wait until it posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is reporting incorrectly/inaccurately on my consumer credit reports, please DELETE PROMPTLY & IMMEDIATLEY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX } reporting on XX/XX/2023 { Acct # : XXXX } - - - REASON FOR DELETION IS : Information reporting/reported is inaccurate - - - [ Account open date : XXXX = INCORRECT. ] - - - [ Original balance = INCORRECT. ] - - - [ Payment history = INCORRECT. ] - - - Furthermore, I have no knowledge or information about this account or company, they did not provide me with a copy of an original contract as requested. - - - As per the FCRA Section 611 ( 15 U.S.C. 1681I ) inaccurately & unverifiable reported information shall be promptly DELETED from my consumer credit report.
Product: Mortgage

This company is a nightmare to deal with. I made my XX/XX/2018 mortgage payment on XX/XX/2018. Quicken/Rocket mortgage did not apply the payment properly. The credited it to Principal and escrow. They charged me a late fee even thought the payment was early. 

I made the XX/XX/2018 mortgage payment on XX/XX/2018. They credited the payment to XXXX and charged me a late fee even thought the payment was early. They are now claiming I am in default. 

I emailed them and called them. They refuse to correct the error. It is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX  Last reported XX/XX/XXXX {$630.00} Open balance XXXX XXXX XXXX XXXXK XXXX XXXX A Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XX/XX/year> XXXX & XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and EQUIFAX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$2200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status XXXX  Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested XXXX, Transunion and XXXX to investigate the XXXX XXXX XXXX account on my credit report for innacuracies as well as the XXXX XXXX and the XXXX XXXX accounts for innacurracies. These accounts are all reporting innacurate information and need to be corrected/ removed. I requested proof of the late payment from the creditor to validate the items. I have not received response from any of the bureaus. XXXX requesting this innacurate item to be removed from my credit report.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing this to dispute the information contained in my credit report and to request an investigation into the following accounts. I noticed inaccuracies in my report and reached out to the creditor for validation of the debt, but they failed to provide any supporting documentation. My concern relates to the account listed as a late payment account. I demand that you provide concrete evidence of this account being late and, if such evidence is not forthcoming, I request the immediate removal of the negative payment status associated with this account from my credit report. WELLS FARGO BANK N.A XXXXXXXXXXXX. I take this matter seriously and expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.
Product: Student loan

Hello, Navient keeps calling me when I have paid in full my loan. I did consolidate my student loan with XXXX XXXX but about {$700.00} missed on the consolidation. I was working Navient making payments for {$20.00} or more until I have estimated balance of {$260.00}. I did talk with a rep at Navient to make the balance was correct according the statement they sent me. They said yes and I can pay that amount off and my account is closed. I did pay the above amount and wrote a note requesting a closed statement from them. 
1. No closed statement received by them to due to COVID -19 2. Paid off in full in XX/XX/2020 3. Received hassling phone call on XX/XX/XXXX saying I still need to pay them. 
4. Return the called and they said I still owed them funds. The student loan was consolidated with XXXX XXXX which I have been making Income payments faithful even during Covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

From a collection agency called XXXX XXXX XXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My school loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and Experian again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to delete and correct some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

XXXX & XXXX 2016 Over Limit Reported To XXXX Credits Received Both Times Late If Applied On Time Would'nt Be Over Limit {$100.00} Process In XXXX & {$20.00} XXXX
Product: Checking or savings account

On XX/XX/XXXX I transferred money ( {$300.00} ) from my outside bank to my Capital One XXXX  bank account ending in XXXX. The transfer was recorded on XX/XX/XXXX as a balance in my account. On XX/XX/XXXX, my credit card company ( XXXX ) made a scheduled automatic withdraw for {$560.00} to pay my credit card bill, which declined due to insufficient funds. CapitalOne agreed to refund my {$35.00} NSF Fee, but I still had to pay the {$41.00} late fee that XXXX charged me for missing my credit card payment. I called and asked CapitalOne to cover this fee because their error caused me to be charged, but they declined. I told CapitalOne I would be filing a complaint with the CFPB.
Product: Student loan

Nelnet student loan serving is not only over charging me for student loans/fees but refuse to allow me lower payments. I have requested in writing on at least 3 separate letters to settle the debt with Nelnet in exchange for the original note of indebtness. The company sent me letters to make payments to an amount which can not be verified. Nelnet representatives have accused me of consolidating loans which included a parent plus loan. I flat out deny that! I have been on forebearance because of Nelnet 's inability to verify loans and assist with a affordable payment schedule. I believe Nelnet 's practices and the inability to provide accurate service and loan information is directed primarily at minorities mainly XXXX XXXX. I have attempted and tried on numerous occasions to obtain accurate and correct information but to no avail. The Dept. of Education, Congress, and the Attorney General 's Office should investigate as to how Nelnet takes advantage of  everyday people trying to survive. Their practices and tactics are embarrassing. CFPB, you have the power to demand and enforce legal practices in regard to student loans. I did not sign any promissory note and will pursue legal action if Nelnet does not provide me with an orignial document that I signed. Thank you and Godspeed!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX Credit, XXXX credit card XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Please take another names of my report
Product: Debt collection

I am an XXXX service member. I was XXXX XX/XX/XXXX-XX/XX/2016 I am inquiring about settling a debt in collections. I have paid off Wal-Mart credit card in full now I just need to dilute my credit history. All other bills and inquires are paid on time bjt my credit is terrible to this please help!
Product: Debt collection

This company, General Revenue Corporation is going against the law and reporting a debt in my name that not only doesn't belong to me, but they also have not provided any documents with my signature attached as requested as well, and they have received my information from a third party, which was shared without my consent!!! I also did not pay any debt with this company as they stated! This company does not even have my correct information. 

General Revenue Corporation stated that they received my personal information from a third party, in which I did not consent and/or give any permission to do so! I have never given consent to share any of my personal information to anyone and my personal information has been shared to report something to my name! This is against the law and General Revenue Corp should not be reporting anything on my name since they do not have any consent to do so from the third party that they stated they received my information from.

**The general rule under the Privacy Act is that an agency can not disclose a record contained in a system of records unless the individual to whom the record pertains gives prior written consent to the disclosure.

** A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

This company, nor the third party company, ( XXXXXXXX XXXX XXXX ), has not been given consent from myself to share my personal information, which is a breach and dangerous. I request that this be taken off of my record, as it is against the law!
Product: Mortgage

Yes, On XX/XX/XXXX, I sent a certified letter requesting a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C 2605 ( e ) to : U.S. BANK NATIONAL ASSOCIATION C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This is the address I was told to send my request. It has been more than 5 days and I have not received an Acknowledgement of my request for the Qualified Written Request. 

I have attached a copy of the letter that was sent to them and the receipt from the post office that they signed for the letter. 

I have also attached a copy of the Securitization Analysis Report dated XX/XX/XXXX. Please note that this is the 2nd time I have requested this information from US Bank and they have not complied. Thank you for your time and consideration. 

I have also attached a document that they used in Bankruptcy court that I did not sign. I would like for them to send me proof of evidence that I was actually in XXXX XXXX County in XX/XX/XXXX. I did not sign this document. This is Fraud.
Product: Mortgage

My name is XXXX XXXX wife to my late husband XXXX XXXX. I am writing this letter in hopes to have the CFPB investigate Shellpoint and the negligence on my home loan. I have been trying to seek Loan Assumption/ Loan Modification with Shellpoint but they have not tried to help. 

Most recent on XX/XX/2021 I submitted to Shellpoint my late husbands death certificate, marriage certificate and Admin docs from the court appointing me tot he property. 

With only my husbands name on the loan I have request for a loan assumptions but as I mentioned above I submitted on Wednesday XX/XX/2021 and they declined me on Tuesday XX/XX/2021 of the following week. 

I don't feel Shellpoint properly reviewed my case, there letter stated not enough income but as you see in the attached forms I have plenty of income to support this loan. I am not requesting a lowered payment All I'm asking is for Shellpoint to place the past due to the end of the loan and allow me to place my name on the loan since my husband past away. 

With Shellpoints quick denial this tells me they never even considered or properly reviewed me. I asked them for a break down on their calculations but they refused. Please help me. 

With my husband XXXX XXXX passing away it became hard to maintain with the payments with no income. My income is now back on track and need help with a loan modification/ Loan Assumption. I need help to get the mortgage current so I can continue with the payments and hopefully refinance out of this loan once I become current.
Product: Debt collection

I've have had issues with diversified adjustments in the past with my other details of debt and I don't want to deal with them ever but they are now back to sending me mail and phone calls every day so I am now force to look in to getting there certified debt license taken away after the fact they did not follow my request.