23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have sent online disputes to all these companies and they continue to report inaccurate information. 

XXXXXXXX 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: Money transfer, virtual currency, or money service

There was fraud or a scam in my account somehow my cash app account its XXXX and I just wanted a refund or just get my account balance to XXXX please. I really dont know what happend on my cash app account XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from XXXX and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted XXXX inc about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time
Product: Credit card or prepaid card

I have had credit card with XXXX XXXX - XXXX XXXX XXXX XXXX and over 12 months I have earned cash back of {$360.00}. XXXX XXXX stated that check in amount of {$360.00} was mailed to me in XX/XX/2018 but I did not receive the check. When Ive called to see what is happening they said that check was mailed and they can not issue me another one. Since original check was not cashed and I did not receive it I do not understand what is the issue and why I can not receive my money from cash back.
Product: Consumer Loan

I bought a car back in XX/XX/2016 at XXXX XXXX, I was told that the term was for 72 months starting XX/XX/2016 at a rate of 4.99 % I financed {$15000.00} and my payment would be {$250.00}. However as I was making my payment today I noticed my term set with capital one auto was 73 months. This is suppose to be a fixed rate loan but the interest I 'm being charged fluctuates month to month which does n't makes sense. So I spoke to XXXX a representative and she told me they calculate the interest as simple interest payments which was never told to me so over the course of the loan since XX/XX/XXXX I 've paid {$460.00} year to date. When I calculated my payments {$15000.00} with a interest rate of 4.99 % = total cost of car loan {$18000.00} over 72 months would be a monthly payment {$250.00}. So that means my interest charge should be {$2500.00}. On my contract they have interest charges as {$2500.00}. This to me is cheating me out of my money on interest and penalizing me for paying my car payments early As it seams they are trying to collect their interest within the first 2 years of the loan. So if I ever refinance their interest would have already been paid but my principal would have hardly moved making me pay more interest on principal with another lender if I 'm not so lucky to get another loan with a lower rate. My credit score is n't even terrible so not sure why my rate was so high to begin with they claimed cause it 's a used car.
Product: Mortgage

We have PHH for our mortgage. We pay our property taxes in escrow with this company. 

XXXX XXXX in CA made a mistake with our property taxes last year. Our taxes were erroneously increased ~50 %. PHH raised our mortgage payments over $ XXXX/mth to take care of this " apparent '' tax shortfall. 

We have reached out to PHH. They acknowledge that we have overpaid our taxes. We have been waiting for more than 5 months to get our money back. Everytime you call you get lots of apologies but never a refund check.
Product: Checking or savings account

I am submittng this complaint Reference no : XXXX i have asked capital one that the book balance shows for {$28000.00} short per excel work sheet I have produced and still capital one did not pay me back my money. 
this company and a shop at XXXX as not was not in book balance in which case capital one bank tried to scum over euro XXXX, so after I reported to this office out of {$28000.00}, the XXXX mall, XXXX and XXXX has refunded me in cash via my families hard work. 
I kindly request consumer finance protection office to 1 ) re request to produce hard copies for the last two years ( in which case the bank asked me to pay over {$250.00} for the statement nor willing to do a password reset by giving poor excuse to stop me from my private consumer right ) 2 ) do audit by consumer finance protection accounting expert or independent law firm accountant for this wrong doings in which case it is a federal crime to scum hard working citizens. ( I believe if ever a fair expert research many low income drivers accountant you will surprisingly find huge discrepancies which should be refunded by good standard ) so please forward this issue to be researched by your legal department or civil suit law firm to take legal action or forward those file to government legal aid for corrective measure. 
3 ) capital one bank charged my a credit card payment two times after full settlement. please forward this to XXXX  and XXXX  credit office for further legal action 4 ) capital one is still not willing to do online password reset 5 ) capital one is not willing to send me hard copies of my statement to to hinder me or lawyers from proper audit. 
so please ask this bank to refund me all my balance of {$23000.00} as soon as possible and also please take a legal action. 
thanks XXXX : please share those information with civil suit and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

In general a debit card was opened in my name without my permission. I guess it was done because I didnt opt out of it. Not only was this unwanted but it also dropped my credit score. How is this legal?
Product: Mortgage

The Owners/Parents both XXXX XXXX within the last year. Probate court just finalized and the children are now the new owners ( XXXX kids, 25 % each ) OCWEN will not allow any of them to discuss the matter of the property because the now XXXX parents did NOT give them proper authorization. The sale date is today X/XX/217 at XXXX. Ocwen will NOT allow probate paperwork to be provided. 

Owen is working in poor faith to resolve this matter. They are requesting 3 Business days to review documents, but they are trying to foreclose within the hour.
Product: Student loan

I took out a private student loan with my father as a co-signer through XXXX XXXX XXXX ( XXXX ) while attending XXXX University XXXX. After I withdrew from school, I used used up all the deferrment and forbearance options while trying to work and pay off loans and living expenses. At the moment, I am 147 days behind on my monthly loan payments through XXXX. I have spoken with them and they are attempting to work with me to keep my loans out of default. However, both me and my father are also being continually contacted by agents from Simms and Associates, a collection agency out of XXXX, who says that they are servicing this same debt and seeking payment. They keep telling us that we must make some sort of immediate payment to them to keep the loan from defaulting, going " outside their office '' and causing them to seek a judgement against both my father and myself that would include garnishing my wages and taxes as well as garnishing both my father 's social security payments and his pension. I have repeatedly told the agents from Simms and Associates that I am working directly with XXXX and they tell me that my loans are not in default at the moment and that they are currently not seeking any judgements against either me or my father. Nevertheless, the agents from Simms and Associates maintain that I am to pay them and not XXXX directly in order to avoid garnishments. 

What I would like to do is keep working with the service providers at XXXX to keep my loans out of default, but I am unsure if I should take the threats from Simms and Associates seriously and, if so, if I should be making payments to Simms and Associates or keep making payments to XXXX. Furthermore, I would like to make myself as the primary person responsible for this debt the contact person for all calls, letters and other communication and stop them from harassing and threatening my XXXX father about garnishments on his social security and state pension. 

I hope there is some way to find a solution to this problem that will work for everyone involved? I am more than willing to make payments on these loans, but I need them to be payments that work within my budget and place responsibility entirely on me and stop the harassment and threats to my father.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to XXXX, XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information : XXXX XXXX  Account # : XXXX Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C . 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data. 

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report. 

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose. 

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.
Product: Debt collection

Have received calls nearly every day for more than a year from Portfolio Recovery regarding a debt from more than 17 years ago that I am no longer responsible for.
Product: Debt collection

XXXX XXXX claims that I owe them another months cable bill after I cancelled my account. They have Credit Protection Association, LP attempting to collect the {$180.00}. I have already sent a request for additional information regarding the debt they incorrectly state that I owe. The letters were sent certified mail and 1 was delivered XXXX XXXX, 2018 and the other a few days later on XX/XX/XXXX. The date of their latest communication was XX/XX/XXXX. It is my understanding that they are not to contact me once I send them a request for additional information.
Product: Credit card

I report of bank liability communism to be denying asset bank card & account services to customer.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$5400.00}, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$960.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$370.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXX XXXX  XXXX Account # : XXXX date XXXX XX/XX/XXXX XXXX {$150.00} Inquiries : XXXX, XXXX card, resident verify, syncb/paypal.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/2023, Rushmore Loan Management Servicing LLC was paid for the months of XXXX, XXXX, XXXX, and XX/XX/2023 Mortgage payments with the grant of {$12000.00} ( Maryland Homeowner 's Assistance Fund ). The XX/XX/2023 mortgage statement indicated the amount total amount due was {$11000.00}, which includes {$260.00} late fees. The Maryland HAF grant of {$12000.00} paid for the past due mortgages for XXXX, XXXX, and XX/XX/2023 including late fees, as well as paid in advance XX/XX/2023 mortgage payment. ( RLMS Loan # XXXX ) On XX/XX/2023, the loan was transferred to new servicing XXXX XXXX XXXX XXXX Rushmore Servicing with new loan XXXX XXXX. The new XXXX XXXX is charging additional late fees totally {$340.00}, which were already collected prior to transferring the loan, but were not adjusted /credited by the prior servicing. The new loan setup documented transaction history indicates that the escrow balance of {$9100.00} was sent as transaction no. 11 and the surplus collected last fees was sent as transaction 12 in the amount of {$340.00}. The prior servicing told me that the surplus of {$540.00} was being sent with the escrow balance for the new servicer to make the adjustment ( {$12000.00} minus XXXX = {$540.00} surplus ). The escrow analysis has been completed and they are refunding me {$150.00} ; however, they are still not acknowledging the the former loan servicer transferred the {$340.00} late fees paid. Also note that they are illegally assessing a late fee for the month XX/XX/2023 mortgage which was paid and received in advance in XX/XX/2023. The grace period on my loan for late fee is after the XXXX of the month. XXXX was received prior to the month of XXXX and prior to the grace period deadline ; however, both the Rushmore Servicing will not make the adjustment to my account. The entire late fees for XXXX, XXXX and XX/XX/2023 were paid with the signed agreement between Maryland Homeowner 's Assistant Fund and Rushmore Loan Management Servcing LLC. The new Rushmore Servicing has employeed the former employees of prior servicing has been provided all of the document sent via at mailed XXXX XXXX XXXX, XXXX, TX XXXX. I am dealing with the same employees in the dispute department because the former and new servicing are the same personnel who will not take action to correct the late fees charges on my mortgage loan. I am current on my mortgage and the next payment due is XX/XX/2023, with the grace period for late fee applied by the XXXX of XXXX.
Product: Debt collection

TransUnion has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, which TransUnion reports negatively that I owe this company. There is no contract. 

This debt is not mine.
Product: Debt collection

To Whom It May Concern, I am filing a formal complaint against Portfolio Recovery Associates for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, Portfolio Recovery Associates continues to report this unvalidated debt inaccurately on my credit report. In addition, Portfolio Recovery Associates is not authorized to conduct business in the state of XXXX  as per XXXXXXXX. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, Portfolio Recovery Associates is not complying with these legal obligations.

Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : 1. Immediate deletion of the unvalidated debt from all credit reporting agencies.

2. Statutory damages in the amount of {$5000.00} for [ Debt Collection Agency ] 's failure to comply with federal law and their neglect in handling this matter. 
Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in a small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. 
I expect Portfolio Recovery Associates to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, the XXXX. XXXXXXXX XXXX XXXX XXXX charged off a credit card account and assigned it to Radius Global Solutions. I was told that after paying the Balance in Full that the account would be removed from my credit report. 

I've paid the XXXX XXXX Store Credit Card off in XX/XX/2020 and the item will not go away and is still listed on my credit report. 

I've tried contacting someone to get this resolved but haven't received any feedback. 

I paid the balance in full.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours stating the account is accurate, without providing any evidence of a through investigation. this practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene Consumer Financial Protection ACT ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

Accounts include : XXXX XXXX  - Amount {$1800.00} XXXX XXXX  - Amount {$920.00} XXXX XXXX  - Amount {$1300.00} XXXX XXXX XXXX- Amount {$810.00} XXXX XXXX XXXX ( XXXX XXXX ) - Amount {$110.00} XXXX XXXX - Amount {$2100.00} XXXX XXXX XXXX XXXX - Amount {$15000.00} XXXX XXXX Amount {$2100.00} XXXX Amount {$2.00}, XXXX XXXX XXXX XXXX - Amount {$910.00} XXXX Paid/Closed XXXX  XXXX XXXX XXXX Amount {$21000.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My existing debt is {$2700.00} and not {$6900.00} reported on my Experian report. This is not the accurate information about my debt as a result of which I am having trouble being eligible to get XXXX XXXX personal loan. Please help to rectify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certainly requested my free annual credit reports from the three major credit bureaus, Experian, XXXX and XXXX. Upon going over every detail of the three reports from the three bureaus. I continue to find out that these credit bureaus seem to be tracking where I have previously lived for nearly 20 years or less. They have my current residence which is permanent for the past eight years, and same phone number for the same length of time and employment status, retired for eight years as well. By presenting this information on all of the three credit reports I have requested and received. I feel as though this is a form of invasion of my privacy, no need to keep tracking me at each and every place I have lived or been employed for years at a time. This information on my three credit bureaus credit reports needs to be updated and removed. I am permanently living at the same address, phone number, and employment status since XXXX Why are they tracking my movements for such a long time on my credit file?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleading to have my XXXX request fulfilled. I have been an over 3 decade long customer of WellsFargo and hold many assets. WellsFargo stated to me that they do not submit anything in XXXX. This is outrageous. I am XXXX  and dealt with a life event in which My payments slipped through the cracks. I satisfied my obligation as soon as possible. I visited the branch in XXXX Ca. To make them aware of my situation but yet they still reported me late. Please remove the lates on my wellsfargo account out of XXXXXXXX  please.
Product: Credit card or prepaid card

I get text messages and recorded phone calls telling me that my CHASE BANK card is locked due to security reasons. I do not have an account at this bank and never have. 

the message reads : CASE-ID # XXXX From : CHASE-BANK. Your Card is temporarily locked due security reason. For your protection, we've limited access to your online account. To restore full access to your online experience, Please click here if.XXXX
Product: Checking or savings account

I have several bills that come out of my account via debit and ACH transactions. I spoke with an employee at NFCU and was told that the company who the payment is owed to has to take the money out of the account, once they request the funds, NFCU delays the release for 3 days. I was also told by the NFCU agent that when I use my debit card for retail, even though my account shows the funds have been debited, they don't actually release the money for 72hrs to ensure the funds are there. I have had several overdraft fees even when i've had the funds in the account at the time of purchase or bill pay. My account has been over draft several times, with excessive fees, for the same transaction. I was able to get two of the overdraft fees waived but was responsible for almost {$200.00} in fees.