23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been XXXX for over two years during this time I requested a modification 't with Citi Mortgage got the modification approved which increased my payments but that is another story. Every since then which was 2014 I have been having small issues with them getting letters stating my modification was denied I owe back escrow things like this that I was able to resolve until now. They are saying they are foreclosing on my home because I have n't made a payment since XXXX which is completely false and everytime I called and spoke to someone they said they were looking into it and when I got a point of contact they always went on vacation or transferred to another dept so now they are no longer allowing me to pay my mortgage because I am not on a repayment plan so I will fall behind and lose my house
Product: Money transfer, virtual currency, or money service

I accidentally mailed a {$720.00} check that was made payable to my babysitter to Capital One. On XX/XX/22, Capital One cashed {$720.00} check, which caused my bank account to be overdrawn and for me to incur overdraft fees, as well as some late fees on other bills. 

Upon, realizing they check that was not made payable to Capital One had been cash by Capital one, I called their customer service to address the issue. Explained the issue to one agent, she didnt understand the situation and kept thinking that I had made the check out to Capital One but had wrote the wrong amount. When I finally got her to understand the situation she said all they could do was refund me the {$720.00}, but that it would take between 10 to 15 days to process and mail me refund check. While I was on the phone with the agent, we had to call the bank that just purchased my bank to confirm that the check had actually been cashed. When it was confirmed, she again told me that all she could do was give me the refund. I spent 45 minutes on the phone with her, then she transferred me to another agent and told me that he would know about the situation. 

When I got the the 2nd agent, he didn't have a cool as to why I was calling or anything about my situation, and did the same thing as the 1st agent. So, I had to explain it all again, and he told me all that could be done was they could refund me and it would take 10 to 15 days to process before they would maile me a check. When I told him I had already spoken to an agent about this, he said " Okay, have a nice day '' then hung up. 

When I called back I talked to a 3rd agent, explained the situation and they quickly transferred me to a 4th agent, named XXXX. I explained the situation to him, he told me that Capital One would refund me the money but that it would take about 20 days before I would get my money. Irritated I said okay, and then asked waht Capital One would do to help with the overdraft fees and late fees I incurred since they had cashed the check that wasn't made out to them. He said that the company wiuld do nothing, but he would give me a {$25.00} credit on my Capital One account for my trouble. I asked if there was nothing better that he could do, he said no. I asked if I could speak to a manager or someone high up the chain of command, he said he was as high as I could go. I asked if he could give me the company legal department 's number, he said that they don't have a number. XXXX asked again if there was nothing better than a {$25.00} credit and if I could get the number to legal, he said " No, and if there is nothing else have a nice day. '' So, I hung up the phone. 

I just don't understand how Capital One cna cash a check that wasn't made payable to them, then make me wait around XXXX to 20 days to get my money back and all they can do is give me a {$25.00} credit.
Product: Mortgage

PLANET HOME LENDING IS ATTEMPTING TO FORECLOSURE ON MY PROPERTY XX/XX/XXXX WITH AN ASSIGNMENTS THAT ROBO SIGNED. MY SECURITY DEED WAS RECORD WITH XXXX in XXXX.There is a gap in the chain of title.The assignments were created after the Corporations were dissolved. XXXX, and XXXX both signed as Vice President on the assignment dated XX/XX/XXXX both of them are well known robo signers, and the assignment that is recorded XX/XX/XXXX is also fraudulent with XXXX transferring alleged ownership to Planet Home Lending. Fraud is clearly present in the recording of the ownership.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>, XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>,
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed my " XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) has a discrepancy in the " Date of Last Activity '' section of the listing. XXXX is reporting a date of XXXX. '' Equifax is reporting " Date of Last Activity '' as XXXX and XXXX is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' XXXX is reporting * {$13000.00} XXXX * {$0.00} and Equifax XXXX. " PAYMENT STATUS '' XXXX is reporting LATE 120 DAYS. XXXX is reporting CURRENT and Equifax is reporting LATE 120 DAYS. " LAST PAYMENT '' XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX " PAST DUE AMOUNT '' XXXX is reporting {$3000.00} XXXX is reporting {$0.00} and Equifax is reporting {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX
Product: Debt collection

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with XXXX XXXX in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : CHASE CARD # XXXX. Opened Date XX/XX/XXXX, Balance {$0.00}, Limit {$1600.00}. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Product: Credit reporting or other personal consumer reports

this is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 
DEPTEDXXXX  XXXX Balance {$4300.00} DEPTEDXXXX XXXX Balance {$3700.00} DEPTEDXXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance {$25000.00} DEPTEDXXXX XXXX Balance {$4300.00} DEPTEDXXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} DEPTEDXXXX  XXXX Balance {$11000.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested an investigation on XX/XX/2020 with follow ups on XXXX/XXXX/2020 XX/XX/XXXX/2020,XX/XX/XXXX/2020 and XXXX/XXXX/2020 regarding to a inaccurate information that is been report and this company ignored my request violating my rights.
Product: Checking or savings account

Credit union transferred my checking account balance to my credit card which caused a debit to bounce, resulting in {$110.00} overdraft fees. 

I called the credit union today ( XX/XX/XXXX ) and stated that if the credit union had not transferred my balance the debit would have cleared my account thus there would not be an overdraft on the account. I requested removal of the overdraft fees as I have NEVER had an overdraft on my checking account before. 

I was told that when I opened the account the paperwork stated that if a credit card payment is late funds will be transferred from other accounts. I opened the account in XXXX and have not had money transferred from my checking account before although my credit card payment has been late before. 

Navy Federal Credit Union did not give me any advance notice that they were transferring my account balance to the credit card. As the credit union has not done this is the past I had no idea my debit would bounce.
Product: Payday loan, title loan, or personal loan

on XX/XX/2018 my car was reposes by the loan holder, Santander usa on XX/XX/2018 i made a payment via XXXX XXXX  quick pay in the amount of {$4200.00} to paid off the loan plus all the towing and storing charges Since then Santander usa have refused to release the car, I have in my possession the free and clear tittle and registration of the car under my name I have made several attends to get my car back and the customer service always tell me that they are working on it
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 written instructions
Product: Mortgage

Account was placed on Forbearance Plan and was told that it wouldnt report as late payment on credit report, but that a statement would be added. 
Mortgage account # XXXX. During the months of XXXX and XXXX 2015, my account was placed on a forbearance plan, in which XXXX payments were made on time. As of the end of XXXX, I called to cancel the plan and all previous past due amounts were paid immediately. Also looking at my credit report I noticed that late payment negatives were placed on my report for this mortgage account showing 31-60 days late. This is incorrect because I was told by the home preservation agent and via Wells Fargo site that it would not report late payments, that instead it would list on my report that the account was setup in a forbearance plan. When I saw this on my report, I disputed the late payments and asked that it be corrected. To date this was not done, and it is still reporting late for 2 months. 
This is unacceptable due to the fact that this was not clearly explained, especially the fact that it would go reported late being that this was an assistance plan. Had this been clearly explained, I probably would have tried other options. 
his does not address the issue that I have about reporting as late. Nowhere does it mention this, and no one mentioned to me that payments would be reported late. This company is nothing but a fraudulent company. They are not here to help, they are here to XXXX with people and attempt to take their homes. I read the reviews of their forbearance plan, and I wish I would have read them earlier. Nothing but bad reviews from customers due to lack of information and not clearly explaining things to their customers. As a result they have forced people into for closure and XXXX with people 's credit like they did with mine. I ca n't wait to refinance and geT away from this scam company. I do n't want nothing to do with Wells Fargo. I had perfect credit until they came and XXXX with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore existsXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!
Product: Checking or savings account

On Sunday, XX/XX/2018, we attempted to make a deposit at the Webster Bank ATM located on XXXX XXXX, XXXX XXXX, CT. 
The atm took my {$50.00} cash deposit, malfunctioned, didn't credit my checking account and printed out a note they they could not return my cash. 
I went to Webster Bank and explained what happened also showed the note from the atm machine so the person that I spoke to gave me a case # didn't even apologize for the inconvenience and then proceeded to tell me that they were not able to return my {$50.00} until an investigation and the atm was serviced which would take 7 to 10 business days which put me in a dire situation. I kept checking with the bank for an entire week and still have not gotten my money back.

We are on a limited income, only social security, which by the way, are direct deposited into the Webster Bank account. 
I had asked about a provisional credit for the deposit snd was told that they would get back to me and never did until Saturday, XX/XX/XXXX after hours do they were not able to speak to anyone until today. 
We feel that we were treated unfairly. 
The social security deposits are well over {$50.00}. They could have given us the provisional credit. We have banked with Webster for a long time and really didn't need this treatment. 
Because the {$50.00} credit was not applied, I had to borrow money to deposit to cover the checks that were not cleared yet. This was embarrassing.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Equifax Regarding Inaccurate Late Payment Reporting for XXXX XXXX XXXX XXXX Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX XXXX XXXX XXXX  Despite multiple requests for correction XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : 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 ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Phoenix financial service acct # XXXX is trying to collect a debt on an ambulance bill. I was asking for more information like an original bill and for a breakdown of the charges. After I wrote them a letter on XX/XX/2019 asking for information, they reported me to the credit bureau on XX/XX/2019 which brought down my credit score. I feel like this is retaliation and plus the last time I was in an ambulance, I had Obamacare. Can I get a copy of the original billed with a breakdown of charges mailed to me? Thank you.
Product: Credit reporting or other personal consumer reports

Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone Number : XXXX Email Address : XXXX Last 4 Digits of SSN : XXXX Subject : Identity Theft and Failure to Comply with Federal Credit Reporting Laws In XXXX of 2024 I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, XXXX, and XXXX that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose 3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable. 

Fraudulent Accounts in Dispute : Creditor Name : XXXX Account Number : XXXX Type : Credit Card Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : Progressive Type : auto insurance Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Type : personal loan Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Type : auto loan Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX  XXXX XXXX Type : medical service Status : Fraudulent The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : XXXX. Denials of credit applications. 
XXXX. Damage to my credit score. 
XXXX. Emotional distress caused by repeated failures of CRAs to address the issue. 

FTC Identity Theft Report Number : XXXX Notified the creditor ( LENDERS ) and initiated a fraud investigation. 
Placed fraud alerts and frozen my credit reports with all three major credit bureaus. 
Filed disputes with Experian, XXXX, and XXXX. 
Currently in the process of filing a police report.