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

I processed a balance transfer from my XXXX credit card to pay off my XXXX XXXX XXXX  credit card. I was charged the funds to my XXXX account but was not credited to my XXXX  XXXX card. I contacted XXXX and verified that the information for the balance transfer was input correctly on their end and with the processor ( XXXX  ) after some research, it appears that both XXXX XXXX XXXX  and Capital One have XXXX XXXX es that start with the number XXXX and they are both in the XXXX XXXX XXXX, CA. When I requested a copy of the cashed balance transfer check from XXXX, it showed it was cashed by Capital One. It showed received on XX/XX/2023 and posted XX/XX/2023. I was told that there have been reports from other XXXX members stating that Capital One is receiving and cashing balance transfer checks for other members who do not have accounts with them, rather than returning the funds. I am now left paying at both institutions instead of saving money with the 0 % balance transfer promotion that I was trying to use. As a result of this, I was also charged a {$29.00} late fee from XXXX XXXX XXXX  because the payment didnt get there when it was supposed to. I am beyond frustrated and need the situation sorted and interest reimbursed.
Product: Vehicle loan or lease

My XXXX XXXXXXXX XXXX was totaled on XX/XX/XXXX I made my payment as told and it wasnt paid off until XX/XX/XXXX. I made a XXXX XXXX XXXX XXXX. Insurance paid XXXX and gap insurance covered the rest. I was supposed to be refunded for ever payment I made since the wreck happened and now they are saying they only are going to refund me {$160.00}. That is not right. It is almost {$1500.00} they owe me and they know it and they said no. Any payment I made ( not including Gap and Insurance payments ) are supposed to be refunded to me. They said I had to pay to not hurt my credit. They are scamming me out of my money. PLEASE HELP ME. This account is with Bridgecrest ACCOUNT NUMBER : XXXX VIN : XXXX VEHICLE : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, XXXX / XXXX XXXXk has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,
Product: Debt collection

I do not have a debt and closing my case stated no further deductions. More today from Social Security & how do I get repaid for their errors?
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute several hard inquiries on my credit report that were made without my permission. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires my express consent for any hard inquiry. I have not authorized these inquiries, and their presence is both unauthorized and detrimental to my credit profile.
Product: Mortgage

This company shellpoint refused my payment in XX/XX/year>2020 telling me i would not need to make payments untill XXXX or XXXX at which time all missed payments would be put in a XXXX interest free deferred mortgage which could be paid after XXXX loan is payed off. None of what they told me was even remotely true. My credit was effected, they didnt ever so much as even mention a deferment after they allowed me to be several payments behind. The only thing they have done rite was fix part if their false reporting to credit berau. Because of all what transpired since i purposely stopped making payments as they would not honor what they promised but continue to report false principle amount owed to credit barau. There are so many other variables yo this too many to state here. They constantly send me false statements showing what i owe to be more than actual making things very confusing. They have what seems like locked me out of online access to my account, not responded to my letters and everytime i call i am made to think they will do something about this all which actually helps me not hinders me. The modification they forced me into had not XXXX benefit for me. They now have a company doing the forclosure the XXXX different conpany now that has tried to forclose on my home which wont happen as i can pay my missed payments but i refuse to untill they fix these issues
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unjustified. The following accounts have negatively impacted my credit score and I request that they be investigated and corrected or removed from my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account Medical XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX  XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XXXX NA XX/XX/XXXX Inquiries Furthermore, I also question the validity of the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as they were not authorized by me and I do not have any business or personal relationship with these entities. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus investigate any disputes and remove any inaccurate or unverifiable information within 30 days of receiving a dispute letter. In addition, the FCRA states that consumers have the right to dispute any information on their credit report that they believe to be inaccurate, incomplete or outdated. 

Therefore, I request that you investigate and correct or remove these items from my credit report as soon as possible. I also request that you provide me with a copy of the updated credit report once the investigation is complete. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergence XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has violated my rights on XX/XX/2023 with the amount {$870.00}. 
15 U.S.C 1681 Section 602 A. State 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Mortgage

I have been dealing with Ocwen for year and a half to get them to fulfill their obligation to provide me with the pay off loan documents after I paid off my mortgage in XX/XX/2015. 
During all this time, they have been claiming that they did n't need to file a XXXX. Finally they did ; however, they have failed to provide me with the original pay off documents as follows : * Pay off letter dully executed in Ocwen 's letter head * Original lien release ( XXXX ) they filed with the county * Executed Proprietary lease ( they need to tell XXXX XXXX that the loan has been paid off and therefore, they only need XXXX proprietary lease not XXXX. Should Ocwen insist on getting XXXX, Ocwen needs to fully explain why they need XXXX copies. No other proprietary lease will be provided without me receiving the original signed copy I forward to XXXX XXXX ) * Original Stock certificate * Original security agreement ( XXXX XXXX obtained an assignment without me knowing about it. My mortgage has been fully satisfied, they need to release such note ) * Original letter of satisfaction. 

I want to understand why is OCWEN purposely delaying the issuance of such documents and why is n't this institution placed on warning by the CFPB. 

Ocwen will be made responsible of all the financial costs their incompetency and unprofessionalism is costing me.
Product: Debt collection

for the last 6 months i had at times multiple calls daily. early in the morning, last at night all weekend long.im not getting calls from a 5th different number in the same time frame. from the 3rd different company referring to this account. ive spoken to a few different people to attempt a resolution for the account. none of which were manageable with this current financial crisis we are facing. with trying to keep my kids taken care of and more important bills under control. im just sick of being harassed by anyone trying to collect on this. i get it, its a debt that needs addressed. but, they will literary have to wait their turn. as a closed account and negative mark on my credit report, which stands in my way of doing important things like getting the mortgage on my house, so i can lower my money bills. they are literary standing in their on way preventing me from saving money money on bills to be able to afford to address things like this and while at the same time making me never want to look at my phone. i see their numbers so often i almost know by heart. i wouldn't be so upset at the situation, but they don't need to call me something like 500 times to tell me what i already know.
Product: Credit card or prepaid card

The account was paid off and I was told it would be deleted. After payment.
Product: Mortgage

Wells Fargo Mortgage XXXX. XXXX XXXX XXXX XXXX. IA XXXX Subject : Request for specific documents Loan re : XXXX or XXXX Attention : Administration and all inclusive parties involved It recently came to my factual attention that you have a confidential internal data base including relevant information pertaining to the loan and activities evolving during the currency from the origination of the loan until the day you sold the loan at a significant discount to XXXX on or about XX/XX/XXXX. I am requesting all hidden and existing documents with my name on it and in reliance to my person. 

Further it as also came to my attention that the l Loss Prevention Line of Business Referrals unfairly shifted losses caused by fraud to Wells Fargos own customers, many of whom had been victims of identity theft and unauthorized transactions. 


Well Fargos illegal failure to properly investigate reports of fraud and Wells Fargos illegal behavior in wrongfully closing customer accounts. Wells Fargos behavior violated various regulations and laws, including ORS 646.607, ORS 646.608, the Consumer Financial Protection Act, the Dodd-Frank Act, and 15 U.S.C. 45, which prohibits unfair or deceptive acts or practices. 
Please be advised that I have also been a victim of Identity Theft reference year was XX/XX/XXXX. 

Sincerely : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear sir, I have received the letter prepared on XX/XX/XXXX of 2024, which asks me about my past banking account of Capital One 360. Your letter indicates that I have XXXX accounts with Capital One 360. I might have XXXX checking account and XXXX saving account ; however, it was the long time ago, before the outbreak of the Pandemic, I am not sure them. The dispute case ID is XXXX and account ending number is XXXX. Another case ID is XXXX and account ending number is XXXX. Since I am not sure what I should do with this bank, I will enclose the copy of document, which you prepared and will mail it to Capital One headquarters addressed XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, instead of the address your company provided ; since the address is meant for Capital One XXXX not 360, ( Capital One 360, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX : XXXX ), which I banked with. 

Sincerely,
Product: Debt collection

THIS IS MY 5TH COMPLAINT Pursuant to 28 CFR 74.11 ; the Fair and Accurate Credit Transaction Act and 5 CFR 1315.4 This is your notice of default and opportunity to cure. I have Acima app downloaded and it is not recognized me as a user as if i do not have an account and was logged out automatically when the account became closed.. I obviously dont have access. Acima customer services DOES not speak English and have a very hard time understanding. And I DO NOT HAVE TO PAY BY WEBSITE OR CONTACT YOU OVER THE PHONE to handle this debt I AM IN CONTACT WITH YOU AT THIS MOMENT, your refusal TO ACCEPT lawful monies such as cheque, money order or any other lawful spieces of medium of exchange, is an automatic discharge by your non acceptance to perform under UCC-1-308 UCC-4-406 PLEASE explain this symbol XXXX $ Until I Receive an correct bill or invoice in my mail box or email. I refuse to pay anything. Despite all my efforts to resolve this matter privately, you have willfully and negligently continued to violates me per fair debt collections practices act as well as the criminal code 18 usc 1001, you have been notice to estoppel, I now rescind MY signature IN CONNECTION with the transaction of this contract per UCC-3-202 due to your breach of contract fro inserting my rights by fraud and mistake for the false advertising of payments t shown at the retail are different from on the contract. They display monthly payments while Acima send contract for weekly payments 18 USC 8 I now invoke my rights of claim to the instrument used in connection with the transaction, I have reasons to believe I am no longer receiving value for my part in the transaction, i no longer consent to any furnishings i Now renovation of election for good cause. Please fill out a w-9 and send it me. In accordance to title 28 usc 3002 ( 1 ) ( b ) and 31 usc 3718 i demand Acima to provide me of evidence of how and whOM has the authority from your organization to collect the debt.
Product: Debt collection

XXXX XXXX claimed that I owed them {$180.00} due to clerical errors on their part, even though I paid them in full in XX/XX/XXXX. In XX/XX/XXXX, they erroneously gave me a {$80.00} refund on a XXXX XXXX. I called them to report this error, and they removed the balance from this card. A month later, I got another statement from XXXX claiming I owed them {$180.00} for XX/XX/XXXX, even though all statements after XX/XX/XXXX showed no balance. The attached statements tell the story of this {$180.00} charge mysteriously appearing in XX/XX/XXXX, after a mystery {$80.00} credit was issued in XX/XX/XXXX. Note that I closed my account in XX/XX/XXXX. 

My account was sent to collections with Credit Protection Association, where I was continually harassed via phone calls. I got sick of the harassment, so I paid the {$180.00} just so they would stop. However, I was not aware that a fraudulent entry would stay on my credit reports. 

During this entire time, I spent countless hours talking with CPA & XXXX, explaining what was going on, and disputing this amount owed. Neither company attempted to investigate this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation, Regulation V. 
TransUnion has failed to provide me with complete and accurate information regarding the reinvestigation of my dispute, in violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( i ). 

Despite multiple requests dating back to XX/XX/XXXX, I have not received a more detailed summary of the results of the reinvestigation process for the disputed information related to XXXX Transunion Reference # XXXX. On XX/XX/XXXX, a letter was received stating that the investigation was completed and verified but without any evidence. 

Furthermore, TransUnion violated FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( iii ) by failing to provide me with a list of all documents and information reviewed during the reinvestigation process. I requested this information to ensure that all relevant information was reviewed, but TransUnion failed to provide it. 

Based on the above, I am requesting that the CFPB investigate TransUnion 's actions and impose appropriate penalties as necessary. Specifically, I request that TransUnion provide me with a detailed explanation of the results of the reinvestigation process, a list of all the documents and information that were reviewed during the process, and the contact information for the data furnisher ( s ) or public records vendor that TransUnion contacted during the reinvestigation process. I also request evidence of TransUnion 's processes and method of verification. 

Additionally, TransUnion has displayed inaccurate information on my credit report, including multiple addresses that I have never lived in. Despite sending multiple notarized letters to TransUnion to correct this inaccurate information, TransUnion continues to display it. This has caused significant harm, including the denial of credit and increased interest rates. For example, I was denied a loan for a car due to this inaccurate information. 

Therefore, I request that TransUnion immediately remove the inaccurate information from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely,
Product: Mortgage

Affiliate mortgage began servicing my loan from XXXX XXXX  on XX/XX/2024. I never received a correspondence from them regarding my loan, I found out through XXXX XXXX. 
I tried to call Affiliate mortgage servicing to get my new account information and could not reach an agent until XX/XX/2024 after leaving several voicemails, an agent returned my call. At this point I have already received a $ XXXX late fee. 
I got a statement in the mail for XXXX, stating I owed XXXX payment when it should just be the XXXX payment. I have been trying to get an agent on the phone but affiliate mortgage DOES NOT answer their phone at all. Their number given is : XXXX ( XXXX ) XXXX. You can call them a thousand times in a day during their business hours and you will never receive a call back. This has cause a lot of confusion and late fees to be accumulated on my account because I can not get clarification on what is really due.
Product: Bank account or service

on XXXX XXXX 2014 i, XXXX XXXX had my purse stolen out of my vehicle and have police incident report.i then called all my banks and credit cards to cancel.Bank of XXXX is the only bank not allowing me to close my account till this day cuz of not XXXX balanced..in XXXX i spoke to XXXX XXXX and arranged financial difficulty payments and already paid XXXX payments and still not closing my account and my numbers keep going up instead of down..XXXX owed on my checking and i didnt agree on that but arranged payments anyway ... XXXX on my credit card account totaling XXXX..still charging me fees and late payments wen its stolen nobody knew about arrangements..then got a hold of a lawyer and no respond to our letter, ,i just want my account closed and i only owe XXXX to the checking if that XXXX on my credit card minus the charges.lawyer was XXXX XXXX FILE # XXXX. to show that i followed thru and they have not and its fraud,
Product: Debt collection

National Enterprise Solutions is calling my employer every day. One day they refuse to leave a message for me. The next day they say that I better call them back or legal action will be taken against me. I work a graveyard shift, so I am never at work when they call there. They have not contacted me at my personal number or by mail. They are just harassing my employer.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Number : XXXX To Whom It May Concern, I am writing regarding a debt your company claims I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the debt you are attempting to collect.

Please provide the following information for verification : 1. The name and address of the original creditor.

2. The full account number of the original debt.

3. A copy of the original signed agreement or contract with the original creditor.

4. The date of the debts original default and the amount of the debt at the time of default.

5. A breakdown of how you calculated the amount owed ( interest, fees, etc. ).

6. Proof that your company is authorized to collect this debt.

7. Any documentation showing that this debt is within the statute of limitations for collection in my state.

Please consider this letter a formal dispute of the debt and a request for validation. Under the FDCPA, all collection activities must cease until you have provided the requested documentation.

If you can not validate this debt, please remove it from your records and cease any further communication regarding this matter.

Thank you for your attention to this matter. I expect to receive a response within the timeframe outlined by the FDCPA. 

Sincerely, XXXX XXXX