23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX 2017 our title company sent a payment to Capital One as part of our closing agreement. When the payment was n't posting and Capital One could n't give information I called the Title Company in the XXXX week of XXXX. They told me the check had been returned to them ripped up even though they had followed Capital One 's procedures listed on the statement and they had reissued another check to them. I called Capital One and asked to speak with a supervisor. I spoke with XXXX ( ID # XXXX ) she assured me she would make sure they received the check that the title company issued for my account and my husbands account and she would make sure an interest fee was not applied since the original check would have made it in time to pay the accounts. She told me if she could n't find the check or there were other issues with the way the check was submitted by Monday XXXX XXXX she would contact me. I then closed both Capital One accounts. On XXXX XXXX Capital applied both payments ( one for my account and one for my husbands account ) to my account causing the closed account to be overpaid and my husbands account not paid. Rather than trying to deal with Capital yet again I figured a check would be issued back to me and we could pay my husbands account over the website. On XXXX XXXX I went to the website to see that instead of issuing a check to pay back the over payment Capital one had charged an interest fee. I called and spoke with XXXX ( ID # XXXX and then she told me ID # XXXX ) she told me that they would refund the interest fee and issue a check by Friday XXXX XXXX. By XXXX XXXX the account had nothing showing the interest fee returned and no check being sent out. On Saturday XXXX XXXX I again called Capital One to see what was going on. I was told that a interest refund had not been submitted and the agent talked with her supervisor and came back on the line to say instead of refunding the {$49.00} interest charge they just applied a {$50.00} credit and the check would be mailed out. The account is still not showing the credit and a check has still not been issued.
Product: Mortgage

XXXX failed to initiate foreclosure and failed to provide any loss mitigation options in the first 6 months following delinquency in violation of 24 CFR 203.355 ( see also MORTGAGEE LETTER 2013-39 ). XXXX disregarded their duty to comply with loss mitigation procedures. According to HUD guidelines, mortgagees must utilize a Loss Mitigation Option or initiate foreclosure within six months of the date of default. XXXX initiated foreclosure XXXX XX/XX/XXXX ( ~1 year, 7 months after default ). 

XXXX did not abide by the XXXX XXXX XXXX as set forth in MORTGAGEE LETTER XXXX. XXXX deliberately stalled and hampered loss mitigation efforts. Between the months of XX/XX/XXXX and XX/XX/XXXX, the mortgagor was the only initiator of communication over the phone. During this 1 year 2 month period, XXXX did not initiate calls or return calls, made false and confusing statements over the phone, did not offer loss mitigation options, and did not report the correct amount due or balance on account statements. XXXX first offered loss mitigation options in their XXXX XX/XX/XXXX notice of intention to foreclose. At this time, a loan workout application was started and loss mitigation options were first considered and later denied. 

Because XXXX violated 24 CFR 203.355 in multiple ways, loss mitigation efforts made by the borrower were rendered completely hopeless and impossible and allowed the account to fall into arrears to an insurmountable amount. 

I am filing complaints with these agencies that provide oversight to XXXX to report the multiple violations of the Code of Federal Regulations. I am also trying to raise awareness and sound the alarm to a potential and likely scam by XXXX to target certain at-risk mortgagors, whom may already be experiencing financial difficulties, in order to push them into hopeless situations, to strip them of their protections under the Real Estate Settlement Procedures Act, and to defraud them. If XXXX had taken the appropriate action at the appropriate time, and followed the law, I would have been able to cure the default. But as with any consumer that already has burdensome debt, because XXXX ignored my many attempts to seek loss mitigation for over a year, they pushed me into an insurmountable financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

in 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 instructions
Product: Mortgage

Freedom Mortgage is my current mortgage company. In XXXX I was contacted by them to lock my in on a lower interest rate with a IRRRL. They wanted to take me from a 3.25 % to a 2.75 %. I agreed, my monthly payment was {$1000.00}, with the new loan and lower interest rate, my new payment was {$1000.00}. I called about this a week out from my close, they told me this was probably going to change when I get my new closing disclosure 3 days before my closes. I never received a new loan disclosure, and was not able to close. I have tried contacting them and no one will get back with me. When I do get in touch with someone, they promise to call back and never do. Now I have no clue what to do. Should I ask a new lender to help me out? Not happy with Freedom Mortgage at all.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested on mutiple occasion that these accounts be removed from my credit report and i have also mailed in an ftc report to validate this identity theft and they still refuse to remove the inaccuracies from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or service as a result of the identity theft. 

( XXXX ) XXXX  XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Account Number : XXXX Date : XXXX The following inquiries were not done on my behalf : ( XXXX ) XXXX XXXX  Date : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX  Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX Date : XXXX
Product: Student loan

XX/XX/XXXX  - automatic  withdrawl was set up  with Navient to facilitate payment of mont hly payment.    XXXX    monthly payment of {$310.00} was taken out. The on  X/X/17  an additional {$9.00} was take n from the account   by Navient. This has not been the first time Navient has made unauthorized withdrawl from our account. This is why we cancelled prior automatic withdrawl agreement. This concern was brought to their attention when the new agreement was made. We were assured that this would not happen again.
If payment made manually and was late, my parents, who were co-signors would get up to 5-6 THREATENING calls/day. My parents have had to consult with lawyers due to nature AND FREQU  ENCY OF CALLS.
Product: Debt collection

In XXXX XXXX I received a copy of my credit report. My credit report is stating that I have XXXX separate accounts, with collection balances, each with a different account number and a different amount owed to Portfolio Recovery. The account numbers and balances owed are as follows : Acct # XXXX for {$630.00}, Acct # XXXX for {$500.00}, Acct # XXXX for {$450.00}, and Acct # XXXX for {$740.00}. All XXXX accounts appear to be opened on or about early XXXX. I have never had an account with Portfolio Recovery nor do I owe monies to Portfolio Recovery. I have sent XXXX separate letters, over a 49 day period, asking for validation of said debts. I have not gotten a single response, for the alleged debts, from Portfolio Recovery. My credit report was marked " disputed by consumer '' but I did not receive any information from the collection agency. I am not aware of any debts incurred with Portfolio Recovery. I was separated from my estranged husband in XXXX and divorced in XXXX and I do n't know if these alleged accounts were obtained under false pretense.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these queries. I lack any information on this matter, and the company acted without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 EXPERIAN contacted XXXX XXXX XXXX ( # XXXX ) and stated I claimed fraudulent activity on the account. to date EXPERIAN has not provided any proof that this occurred but has communicated this FALSE information to XXXX AND XXXX. I have attempted to correct this Egregious for 3 years and due to EXPERIAN 's negligence it has affected my consumer report ( including XXXX & XXXX ) and my fico/vantage scores, I have lost financial opportunities, embarrasment and anxiety/mental health issues.
Product: Money transfer, virtual currency, or money service

Starting XXXX I was getting charges from Google XXXX XXXX  from Google on credit cards. I reported fraud. Then identity theft. They allowed 171 transactions for {$3300.00} total run through the XXXX XXXX and was not me. I was hacked. I have proof on recording from XXXX I have no account! They processed a few refunds then stopped. I have already sent tons of evidence and they say they will not help. End all conversations and refuse to help. XXXX
Product: Vehicle loan or lease

This is for credit acceptance account # XXXX # # #. So this was a repo. But they have tried to sue me fo the balance.as Im paying x amount they only were showing half what I paid now they re not showing any. This is an inaccuracy. Transition is saying my balance is ( XXXX ) the other 2 say there is a balance this is an inaccurate reporting.XXXX XXXX is not reporting a good or ok status at all this is an inaccurate reporting. XXXX is saying last reporting dat was XX/XX/XXXX as they are still saying late but good or ok this is an inaccurate reporting.XXXX  says that there is 27 late payments when they have reporting no data but hav1 ok or good mark. This entire account is all jacked up and needs from be removed this a joint account this was removed from my wifes account this needs to be removed from mine as well due to the violations of the fcra a lot of the rules are broken and this has severly damaged my credit pleaser remove from all 3 agencies
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has used my identity to establish an account with out my authorization, this account is fraudulent, i did not open this account and i want it removed from my credit report, my information has been leaked on thr dark web and it has been used to open numerous accounts in my name, i have reported this to thr XXXX department, if this account is not removed immediately i wll send XXXX letter of intent to sue, please delete and block this account ftom credit report is it fraud XXXX for XXXX is a fraudulent account i do not recognize this account, this account was ipen with out my knowledge i want this account removed from my credit report as it is a fraudulent account, XXXX  open this account in my name and committed fraud Im also a veteran  of the XXXX XXXX my information is being used illegally to open accounts in my name, I feel Im being taking advantage of, all my information has been leaked on the dark web I ask that these accounts be removed immediately from my credit reports
Product: Debt collection

Caliber Home Loans repeatedly calls my Cell Phone for a Debt XXXX XXXX from NJ owes due to being delinquent on home loans. I have been assured on three occasions that the number has been removed and they continue to harass me. The calls have been going on for 2-3 years despite repeated attempts to convince them it is not my loan. 

Today, XX/XX/2019 I received a call from the XXXX XXXX in regards to the loan after being contracted by Caliber Home Loans. I spoke to XXXX XXXX who I asked to remove me from their list. 

Caliber Home Loans XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit card

I set up my on-line account with my Bank of America [ XXXX XXXX XXXX ] account to withdraw " the amount due '' from my account each month, meaning ( I thought ) the statement balance. For three months in a row Bank of America only withdrew the minimum payment of {$25.00}, and charged me interest on the unpaid balance. 
Each month I called and asked them to correct it, and they reversed the fees. This month I called to complain and a courteous employee explained that " amount due '' on their website options meant " minimum payment plus fees and interest. '' That is not the ordinary meaning of " amount due '' and no previous employee had bothered to mention that to me. I believe this is a strategy to prevent people from paying off their balances when due and incurring expenses interest charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 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 and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTING This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that the credit reporting agencies XXXX XXXX, Experian and XXXX are legally reporting inaccurate and false information about me. The following alleged accounts are listed as collections with a past due balance this is a violation of the FCRA and is also in violation of requisite XXXX XXXX compliance reporting standards according to the federal reporting act I have the right to a fair and accurate credit report, They are required to remove any information that is not true, accurate, and verifiable. 

XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 *XXXX XXXX XXXX XX/XX/2018 *XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XXXX XX/XX/2018 15 US Code 1681 B ( 2 ), 15 US Code 1681 A ( 2 ) B
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes so their has been 2 accounts on my credit score that have been showing up one is XXXX and the other is Credit Acceptance., these companys put I had outstanding debt with them and Ive never opened any accounts. They were reporting I had owed money to XXXX XXXX XXXX and XXXX I have filed disputes with XXXX XXXX and had those removed.! How can they put that on my credit without me knowing. Ive had to freeze my credit because I thought I might have had some credit fraud or something.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Acts 15 U.S.C. 1681 SECTION 602A AND 15 U.S.C. 1681 SECTION 604A SECTION 2, my rights have continually been violated by Capital One, Dept Of EducationXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had originally contacted XXXX XXXX, which I had agreed to pay a loan at 135 % interest for XXXX years until it was paid back. They sold my loan to CashCall, and I still paid religiously from my checking account for over two years. I was paying nearly {$300.00} a month when I only borrowed {$2400.00} originally. I finally got sick of them taking money from my account and told my bank that they were no longer allowed to continue to receive payments, because the last XXXX times they caused my account to overdraw. Now they have been calling me daily from several different numbers almost every hour trying to get me to pay them. They even called my job and I spoke to one of their representatives and told them that I was no longer going to pay them because I had paid them every month over the last XXXX years and XXXX months, and feel that I have more than covered the amount that I originally borrowed and the interest. I had to tell them to never call my job again. According to my math I have paid them over $ 8k and honestly feel that I do not owe them anything more. I have even been receiving calls from a Private Number repeatedly that I refuse to answer because I think it may be them and I really have nothing more to say to them.
Product: Credit card

Long wait with no answer to customer service call. I signed up for Barclay XXXX with XXXX miles bonus reward. I have not received the promised mileage in my XXXX XXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX XXXX   with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Checking or savings account

One of my client transferred {$300.00} to my Bank of America account via XXXX XXXX  for my professional service on XXXX XXXX, 2020. She has a personal checking account with BOA, and I also have a personal checking account with BOA. Since XXXX payment can not be cancelled or charged back, I thought the {$300.00} was safe in my account, and thus I provided service to that client on the same day. Two weeks later, on XX/XX/2020, the client called Bank of America and falsely claimed that the payment was a fraud and she never authorized this payment. Without talking to me or doing any investigation, Bank of America simply took away {$300.00} from my account and gave back to that person. 

I called BOA three times on XXXX XXXX and asked them why they took away my money without my consent and gave back to that person without investigation, the bank said that it's their policy to return the money to someone if that person claimed that the payment was a fraud ( regardless if that person is making false statement or not ) and the bank said it was not their responsibility to investigate or verify if the claim is real or false. Bank of America told me that the only thing I could do was to bring that person to court to get my money back. In other words, Bank of America does not protect my money at all. My money is not safe at this bank as they can easily take away my money and give to someone as long as that person claims that the payment is not authorized. I feel Bank of Americas policy is encouraging people to make false claim and commit chargeback fraud. BOA is encouraging crimes to occur! A bank should never take away money from a customers account and give to others without any investigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect credit card balances, dropped my XXXX 38 points for a incorrect credit caed balances.
Product: Debt collection

I have been trying to validate a debt for more than 2 months, on repeated occasions I have sent communication of all kinds. I have even made previous complaints to the CFPB. 

I have an alleged debt in collection, the alleged debt with the account number ending XXXX belongs to American Express. A letter arrived indicating the alleged debt and that it is owed to XXXX XXXX XXXX  The XXXX times I have requested to validate the debt, American Express responds by giving incomplete information or sending letters indicating that they do not have that information in their systems. If they can not validate the debt it should be eliminated, I have evidence of letters sent by Amex indicating that they do not have that information, which I attach. XXXX XXXX XXXX XXXX has not responded to my dispute letter and it must be deleted. The law indicates that they have a XX/XX/45 period to validate the debt and it has been more than XXXX months and they can not validate it. They are breaking the law and violating my rights as a consumer. I contacted XXXX and Amex responded indicating that it has no information that may be in the future. The reference number with XXXX XXXX is XXXX