23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Capital One 's third party vendor is down. This has caused thousands of people 's direct deposits to not be available for going on XXXX XXXX, including me. This has caused bills to be declined which is going to affect my credit score and my reputation with my loan companies causing them to lower the amounts I can get which affects me for the long term as well. Damage is being caused for months on me paying my bills.
Product: Student loan

I have a federal student loan through Navient and my first payment due was on XXXX XXXX, 2017,  with a total due of {$160.00}. I put a payment onXX/XX/XXXX with a total amount of {$210.00} but when I checked my account, I was charged late fees for my loans. On my account, the payment appears to be still processing but why did Navient charge me late fees when I put a payment before my due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. Experian failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track  record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from XXXX, Experian, and 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

I am under contract to purchase my first home. On XX/XX/XXXX I sent a wire ( {$75000.00} ) to what I thought was the seller 's attorney, per my attorney 's email instructions. On XX/XX/XXXX my attorney called and informed me that their law office had been hacked. Upon investigation, we learned that the wire I previously sent was a scam sent to an unknown entity under the guise of the seller attorney ( XXXX XXXX ). We confirmed with the real XXXX XXXX that he never received my funds. I immediately called my bank ( XXXX XXXX XXXX  ) to notify them of the fraud. I also went to the local precinct and filed a police report. 

Per the detective I have been working with I have been informed that the receiving institution ( Citi ) has located the account and frozen the funds. There is {$74000.00} that remains in the fraudulent receiving account. The detective has since shifted his focus into finding the perpetrator and it now is on Citi to get my funds back. 

XXXX XXXX XXXX  ( my bank ) has been very supportive and accommodative in trying to recall these funds. They can not seem to get Citi to facilitate the recall of the frozen funds. I need these funds as soon as possible to facilitate the closing of my home by XX/XX/XXXX. Anything the CFPB can do to expedite Citi 's processes would be greatly appreciated. I'm devastated by this whole experience and just want to see the remaining {$74000.00} in my XXXX account. 

I'm attaching the police report and wire details. You will note the Citi account information where fraudulent wire was sent to.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Please REMOVE THE FRAUD ACCOUNTS ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX, DOB XXXX SS XXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

XXXX XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Money transfer, virtual currency, or money service

I received an email from Chase stating that a payment was scheduled from an account, but I don't have any accounts with Chase. I've called Chase several times to determine if someone has opened an account with them using my identity. Chase refuses to help investigate this possible fraud. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous Reporting of Missed Mortgage Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX In XXXX XXXX, my mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  When applying for a new loan, it came to my attention that XXXX XXXXXXXX XXXX XXXX XXXX XXXX my previous mortgage lender, erroneously entered my payments for calendar year XXXX. To wit : A. On XX/XX/XXXX, XXXX approved a loan modification for my mortgage for {$4200.00} per month, which ended my arrears ( Encl XXXX ). 
B. I made monthly payments by the 1st of the month as specified. The payments were made with four ( 4 ) or five ( 5 ) USPS money orders, totaling the entire monthly mortgage obligation. { NOTE : USPS issues postal money orders with a maximum amount of {$1000.00}. } See attached XX/XX/XXXX payment. 
C. However, staff at XXXX chose to assign my monthly mortgage payments, for calendar year XXXX to various sub-categories, as opposed to applying the entire monthly payment as annotated on the monthly mortgage statement. 
D. Subsequently, XXXX staff continued to report to credit agencies as if I was still in arrears on my mortgage payments. 
E. I requested XXXXXXXX XXXX XXXXXXXX, my new mortgage provider, review my calendar year XXXX monthly mortgage payment history and correct the erroneous information provided to the various credit bureaus. 
F. XXXXXXXX denied my request to have my calendar year mortgage payments correctly identified and having the monthly amounts paid-in-full. 

I request assistance in getting my calendar year XXXX mortgage payments correctly identified and having the monthly amounts annotated as paid-in-full.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations Not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$9800.00} written off. {$3100.00} past due as of XX/XX/XXXX. 
XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Not MY Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Resident XXXX Apartment XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY XXXX XXXXXXXX XXXX Not my Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit card or prepaid card

This relates to a previous complaint I had with my XXXX XXXX XXXX VISA with Barclay 's Bank. On XX/XX/XXXX I was advised that Barclays had found in my favor on that complaint with CFPB. Accordingly, they credited my account for {$31.00}, supposedly on XX/XX/XXXX. I calculated that this reduced my outstanding balance on my card to XXXX. The previous CFPB Complaint # is : XXXX-XXXX  In the past 10 days, I have tried AT LEAST 10 TIMES to call Barclays Customer Service to determine if my assumption about XXXX balance is true! Their customer service is HORRIBLE!! I either get disconnected, or have spent up to an hour on hold with NO RESPONSE! I can not check my balance on-line, as the website tells me I must contact customer service. When I call customer service, the automated system will not give me my balance or payment information. It just keeps telling me I need to speak to a Relationship Manager, and then either disconnects me or keeps me on hold FOREVER, listening to crappy music, and never having anyone answer my call! Even when I call the phone number of the Office of The President at Barclays, I get told no one is available and get disconnected! 

This company is ABSOLUTELY TERRIBLE, and their Customer Service should be called Customer DIS-SERVICE! I need to make sure my account has in fact been " XXXX  out '' as assumed by my calculation of the credit they gave me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I receive my Experian consumer report. Report number : XXXX, Experian is still NOT honoring my deletion request for XXXX XXXX XXXX XXXX. Per the FCRA as a Federal protected consumer, Im electing to opt out of any & all authorization of XXXX XXXX XXXX that I the consumer that may have given you, either in writing, unwritten or verbal or non-verbal per 15 USC 6802 & 16 CFR 313.7. This effectively immediately and indefinitely. Continue report is also in violation of privacy right according to the Privacy Act of XXXX
Product: Mortgage

I have a VA mortgage that I started in XX/XX/2005. When Wells Fargo took over the mortgage they added an additional 10 years onto our 30 year mortgage without approval or explanation. They say everything is legit but the real big question is why has our home loan not gone down since we have been paying on it for almost 13 years now? Question two ... ... why would we restructure our mortgage for the same payment every month at a longer limit without trying to get money out of it for home expenses? Why ... .I will tell you why ... .WELLS FARGO is a fraud and liar to its consumers and they do nothing but cheat honest Americans!
Product: Mortgage

My mortgage was transferred to Pennymac last year, approximately in XX/XX/XXXX. For the past year, I have made every single payment on time. In early XXXX of this year ( XXXX ), I received an email notification from my Flood Insurance company that my Flood Insurance will expire on XX/XX/XXXX if payment is not made. I checked with Pennymac and they did not have my Flood Insurance policy on file, so I provided it to them, along with the information that they need to make payment by XX/XX/XXXX or my policy will expire. Pennymac did nothing and I had to continue to request for my Flood Insurance not to lapse. The Flood Insurance company finally received payment from Pennymac on XX/XX/XXXX, which is 8 days after the policy expired.

As of the time of this complaint, my Homeowners Insurance policy has lapsed. Pennymac has not made my Homeowners Insurance policy payment as of XX/XX/XXXX. The payment for my Homeowners Insurance policy was due on XX/XX/XXXX. 
I have requested Pennymac to delete my escrow account, as I can handle all payments outside of the mortgage myself. It is simple to do, yet clearly difficult for Pennymac to handle. Yet after not making any of my policy payments needed on time, out of my own escrow account that is funded by me, Pennymac has refused to delete my escrow account. I want my escrow account deleted, as Pennymac can not make simple payments timely, on my behalf.
Product: Debt collection

I sent a certified letter to NCB Management Service requesting that you provide verification of debt on XX/XX/2023 delivered and accepted on XXXX XXXX @ XXXX. Requesting the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and if the are licensed to collet set in my state.

I did receive any information they send me another letter on XXXX XXXX requesting payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original XXXX XXXX XXXX XXXX of Dispute- $ XXXX XXXX XXXX XXXX after my XXXX XXXX XXXX- XXXX I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks
Product: Debt collection

I setup a monthly payment with portfolio recovery. All of a sudden after the 3rd payment the payment amount went up against my consent to do so and against our original agreement, and then i continued to get texts and phone calls stating my payment arrangement had a problem. I have been called at XXXX XXXX  and at XXXX. I have been called consistently throughout the day, even on weekends and sundays due to them breaking our payment agreement. It is affecting my workdays and my after work rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with   XXXX   XXXX   XXXX   that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF   XXXX   XXXX   and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on my  credit Scor e The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OVER  15  HRS A WEEK every Week trying to resolve this
Product: Credit card

In XX/XX/2016 I closed an account with American express ( card ending in XXXX ). The bill was due on XX/XX/XXXX, but I called them on XX/XX/XXXX and asked them to give me the actual balance including fees and interest. I wrote a check for the amount requested, they received the payment on XX/XX/XXXX and the account was liquidated. On XX/XX/XXXX, I received an email notifying me that I was delinquent on a payment on the same account and there were also late fees applied. When I called Amex to discuss the issues they had me going in circle, promised call back from supervisors but unfortunately no resolution was offered. They ultimately claimed that the difference was due to residual interest and there was no way to remove that charge. On XX/XX/XXXX, I end up paying {$20.00} to avoid further delinquency reports on my credit record but I think these practices are unfair and trying to resolve them is nearly impossible and a time consuming proposition. I decided to close all my personal American Express accounts and to avoid doing business with them in the future and I invite all other costumers that have experience similar issues to do the same.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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.