23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent on XXXX and on XX/XX/24 disputing several items on my credit report accounts and inquiries. I have not heard back from any of the credit bureaus regarding the dispute process. Transunion did send a letter stalling the process basically congratulating me on taking steps on repairing my credit.
Product: Payday loan, title loan, or personal loan

The Inquiry was made on XX/XX/2017. The amount was {$5000.00}. The interest is at 58.81 % and i was going through a tough time. I have paid all the interest on the loan and cant get a logical reasoning on why there is not a settlement option or even a refinance option. The only answer that i receive is that " Everything is automated and the system lets us know when you have those options '' I need to speak with someone who can make those decisions. I have about {$3700.00} dollars in interest and still have a balance of almost {$4000.00} left on the loan.
Product: Credit card

I got a secured card through Bank of Oklahoma, who does their credit cards through lan. I 've had it for almost a year and they charged me an annual {$35.00} fee for the first year, I asked to have the card switched over to a card with no annual fee because I always pay my bill in advance and never keep a balance. They would n't give change it without another annual fee so I asked that the account be closed. After I faxed them the letter they requested to close it I received a letter from them stating I would not receive my {$300.00} deposit until the review period which lasted until XXXX XXXX ( over a month after I sent them the letter XXXX. I never have carried a balance with them and always make my payment way in advance. I do not owe them anything on the card and they still refuse to give me my money back until the " review period '' is over. I have called XXXX times in the past week or XXXX trying to get my money back and I have been told multiple dates by different employees as to when my money will be returned.
Product: Debt collection

Halsted Financial Services claim I owe XXXX XXXX XXXX a sum of money from a debt acquired from XXXX  XXXX. 

I have never owed XXXX XXXX any sum of money. 

Researching into this it is clear that this is a scam that Halsted has done previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you correct inaccurate information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with accuracy and fairness, and I request that you investigate and correct the following inaccuracies on my credit report : Name : The following name is incorrect and should be removed : XXXX, XXXX XXXX, XXXX XXXX, XXXX Also Known As : XXXX XXXX The correct name is : XXXX XXXX XXXX Generational Identifier : Year of Birth : XXXX  Addresses : The following addresses are incorrect and should be removed : 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 The following address should be added : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : The following employers are incorrect and should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employer should be added : XXXX XXXX Please investigate these inaccuracies and correct my credit report as necessary. Failure to correct inaccurate information would be in direct violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ).

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hand written and sent via XXXX certified mail to remove companies that have reported misleading information on my credit report i demanded they re-validate this information and i have not recieved any information of these items being deleted under the section act 15 usc section 1681i these items need to be deleted immediatetly i will take legal action for extortion of my character to be able to have lenders extend loans to me and characterize me as not being able to pay back debt. 

I again demand these companies be deleted immediately and inquiries XXXX XXXX # XXXX XXXX  XXXX  # XXXX
Product: Vehicle loan or lease

Santander Consumer. Does not apply my payments accordingly. Checking account was compromised at one point, called them, representative told me to stop payment on the check I had sent out to them, resend a check when things with my account got settled. Did what they suggested, they then refused to accept my check as payment from new account. Also said account was behind because " payment was returned, '' different payment than above, because were told by my bank, my account did not exist. Manager from bank called them, they were unable to say " when '' check was returned and " when '' bank said account does not exist. Therefore, I was reported to Credit Bureau, and my credit score was impacted. Recently, I was told I was behind {$190.00}, total including current month 's payment {$860.00}. Paid {$360.00}. Then Santander told me I was behind {$2300.00}. Multiple times they received my payment, said they didn't ; I could prove payment per my bank statement, by check number, but was still told payment was not received. They HAVE NOT been applying my payments accordingly. I was supposed to have deferment on some payments due to XXXX XXXX  and not working, they turned around and reported to the credit bureaus as " non-payment. '' I'm sick of their tricks, it's costing me a decrease in my credit score. They need to be stopped!
Product: Mortgage

I am the prospective buyer of a property located at XXXX XXXX XXXX, XXXX, NJ. I submitted an offer and entered into a contract with the Seller at the end of XXXX 2015. Following a request for financial documents by the bank, which I provided, the property was then listed on XXXX for auction ( this is an OCWEN short sale ). The property was listed 3 times, we were told for market validation, without success in that there were no bidders. We are now told that the property has been returned to OCWEN 's short sale department but that a new representative was assigned due to a change in staffing. That new representative is again requesting financial documents and we are told that this process may take another 30 days. I understand in reading up on OCWEN 's short sale process that the property had to be listed through XXXX. The fact that it had to be listed 3 times without success is questionable, but now in the past. The fact that OCWEN wants to potentially see the same documents all over again, is frustrating, but something we expected. The length of time that this is taking when we are the only offer out there is what is troubling, in addition to the fact that CFPB regulations which were recently amended in XXXX 2015 expressly state that we should have had an answer to our contract within XXXX ( 60 XXXX days, which OCWEN has unquestionably run afoul of. I know that OCWEN has been investigated recently regarding their business practices as well as their relationship with XXXX and I want them to be held accountable under their new corporate structure for what I perceive to be a continuation of those practices. I am asking that my contract be considered and a decision rendered immediately and that, in further compliance, with the regulations, that we be kept in contact regarding the progress of our contract.
Product: Debt collection

Hard inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX MRS BPO In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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, and MRS BPO 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.

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 crime 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.
Product: Credit card

Been making regular payment to US Bank. Usually more than minimum required, but the minimum required payment keeps going up. When I called them, all they wanted to talk about was the interest charges. I told them I understood interest, I wanted to know why monthly required about kept increasing. When I asked about some relief on this account because of limited income, they referred me to a credit counselor. They did not want to discuss my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX XXXX. There was an error on their part. I was never 30 days late.
Product: Mortgage

Like many Americans, my financial situation was impacted due to the COVID-19 pandemic starting in XX/XX/XXXX. Our XXXX income was down 30 %. When the CARES Act passed in late XXXX, I called U.S. Bank and XXXX XXXX ( our home equity loan servicer ) to ask for help. Your agents were helpful and comforting during an extremely uncomfortable time and I was placed on a COVID-19 forbearance program in XX/XX/XXXX. 
I kept in touch with U.S. Bank throughout XXXX, either by taking your calls or calling to update our financial situation. We paid what we could while on the program. At the time, I thought the U.S. Bank COVID forbearance program was a godsend because we were able to keep our children safe, healthy, and fed, without fear of losing our home. Now, I no longer have that faith in U.S. Bank. 
My trust in your company began to erode in XX/XX/XXXX when I started what I thought would be an easy process to resume my mortgage payments. Our financial picture returned back to normal and we were ready to resume our mortgage payments. I called on XX/XX/XXXX and was told by a U.S. Bank Relationship Manager in order to resume payments and have my deferred amount moved to the back end of my loan, I needed to submit a Request for Mortgage Assistance application. I questioned this as all the literature U.S. Bank sent while we were on the forbearance stated I just needed to call to select an option and begin paying. I was assured this was the process. I have since submitted THREE applications, all requested by different Relationship Managers. At one point in XX/XX/XXXX, I was told by a manager in the XXXX XXXX unit ( XXXX XXXX ) that the past RMs were not processing the right code for a COVID forbearance due to a system glitch. He assured me that he will make this right because this was the banks error. After not hearing back from XXXX XXXX, I called again only to be asked to submit another application. I again was assured was needed to process my COVID deferral and begin to pay my mortgage again. I just received a letter dated XX/XX/XXXX that not only will U.S. Bank not defer my COVID payments but the only option I have is a Short Sale. 
As an aside, XXXX XXXX immediately allowed me to resume my monthly payments and adjusted the deferred payments. Without question and in one phone call.
Product: Credit reporting or other personal consumer reports

This will follow my previous complaint filed on XX/XX/year> where in I advised the CFPB that even with repeated written requests and letters one or more of the credit bureaus have failed to provide a copy of my annual report and XXXX XXXX. I do not have a SSN but I do have a Tax ID #, and it is impossible for me to access my reports online or file any disputes online. I can only request reports to be delivered to me by mail which is a very frustrating and time consuming process. My XXXX is not good so calling in is also not a very good option for me. Unfortunately even after filing a complaint and sending in multiple letters to the credit bureaus, I still have not received an updated copy of my full report or scores from any of the XXXX credit bureaus. I also attached a copy of my original complaint because there are several accounts that I do not recognize and I am not sure if the credit bureaus have done anything about this. Also, XXXX keeps sending me notices saying that the can not locate my file, however, I have attached a copy of my XXXX score from XXXX Bank so I am not sure how XXXX can say I have no file but XXXX is providing me with a XXXX score from my XXXX report.
Product: Debt collection

I had a credit card dispute with CAPITAL ONE BANK USA N.A. in XXXX. Capital One charged off the debt and sold it to a third party. No communication/no payments have been made by me regarding this debt ... and it should have been deleted from my record ( amount {$2200.00} ) some two and a half years ago. 

Recently, a SECOND third party debt purchaser, XXXX XXXX XXXX, purchased the account on XX/XX/XXXX and has made attempts to collect.

I called the original creditor, CAPITAL ONE BANK USA N.A. and asked for the ORIGINAL date they sold my debt to a third party. They refused and attempted to get me to call the new company assigned to the debt. I want no communication with the company so I called XXXX  and opened a case regarding fraudulent activity on my credit report. ( XXXX  Report Number is available ). XXXX  Fraud Agent, XXXX, ensured the company would contact both Capital One Bank and XXXX XXXX, requesting my usage/activity as well as the ORIGINAL date Capital One discharged the debt. 

XXXX  contacted me XX/XX/XXXX after ONLY contacting XXXX XXXX who generated the activity they reported since their purchase on XX/XX/XXXX. 

Personally, I've had only ONE credit card for the past nine years. By demanding the charge off date from CAPITAL ONE BANK USA N.A, you will see how long the account has been on my account. XXXX  basically didn't do their job and the fraudulent account remains a blemish on my credit score. 

In summary, if I could have access to CAPITAL ONE BANK USA N.A and the date they charged off my account, it would prove XXXX XXXX XXXX purchase of the account on XX/XX/XXXX is fraudulent, being the account is well past seven years old.
Product: Credit reporting or other personal consumer reports

I am reaching out to address multiple issues on my credit report, including incorrect account entries, an unfamiliar collection account, and reporting inaccuracies. Your prompt assistance in resolving these matters is vital to safeguarding my financial stability. 

I kindly request a thorough review of my credit report to identify and correct any errors, including accounts that do not belong to me. Additionally, please verify the accuracy of my address details and remove any negative marks caused by these inaccuracies. This will ensure that my credit report accurately reflects my financial standing. 

Thank you for your attention to this matter. I look forward to your timely response.
Product: Student loan

On XX/XX/year> I applied for a loan consolidation and re-submitted income verification to remain enrolled on the XXXXXXXX XXXX. I was enrolled in the XXXX XXXX, and made my last payment of {$860.00} on XX/XX/year> to XXXX. As a result of the consolidation, my loans were temporarily transferred to XXXX, then finally to MOHELA. When my loans were transferred to MOHELA my payment increased significantly to {$1900.00}. Prior to my XXXX payment being due, I contacted Mohela by email, which was not promptly responded to. About a week later, I called in, and placed on forebearance. However, I have now received notice that I have a payment due on XX/XX/year> for {$1900.00}. Nothing has changed about my income situation and it is my understanding that no payments should be due while XXXXXXXX XXXX is being finalized. I resubmitted a request to MOHELA to explain why my forebearance has ended when nothing has changed about my situation, and XXXX is still on hold due to XXXX XXXX. I would switch to another income driven plan while XXXX is pending but I do not trust MOHELA to handle this transition given their incompetence so far. I would pursue this or would like the forbearance due to the XXXX transition to be extended.
Product: Checking or savings account

XXXX  : Fraudulent text alert. Customer immediately called Bank of America to stop any further fraudulent transactions. BOA representative said all transactions were stopped ( they were not ), submitted a claim for the amount rep found approximately {$250.00}. Rep assured costumer problem was taken care of. 

XX/XX/ : More fraudulent charges. Customer called BOA and spoke with 3 reps, who all saw different fraud transaction amounts but could not add up all transactions without the help of the customer 's detailed spreadsheet of transactions, names, and amounts. These transactions were added to the open claim after several hours of going through each transaction carefully. One claim totaled {$4500.00} at this point, another claim totaled {$660.00}. BOA assured customer the problem was now resolved. 

XX/XX/23 : Costumer checking account was credited. 

XX/XX/23 : Charges that were resolved are now being debited again from customer 's checking account. Customer spoke with approximately 8 BOA reps on the phone, receiving no helpful information. Customer went in person to local BOA banker to resolve issues. No resolution occurred, only more phone calls with no answers. Banker unable to place customer with a person in direct power and decision-making. 
Customer checking account now fully drained and overdrafted.
Product: Credit card

I was pre-approved for an AMEX NextStep loan of {$5300.00}. Sent a link to digitally sign, which I did several times. Called their offshore call centers, was given different answers to the same questions about the disbursement procedures. 

Was told if it was n't signed before the deadline of XX/XX/2017 it would be cancelled and I 'd need to re-apply. 

Now it shows cancelled as if I did n't sign the document even though I was told that it was.
Product: Checking or savings account

I did my taxes and my refund was going to be in direct deposit. So since my wife and I filed together we thought we could receive the refund since we filed together but when the deposit hit the account they closed it because I wasnt owner of account. Its Been almost 10 months and they havent sent the fund backs they are holding on to my money and dont want to comply
Product: Debt collection

I have previously sent CMRE FINANCIAL a request to validate the alleged COLLECTION per the Fair Debt Collection Practices Act and all I received was a statement. ANYONE CAN PUT A PERSONS NAME ON A STATEMENT. This does not meet the Federal Trade Commissions guidelines of what constitutes proper collection validation. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from them by filing a claim in small claims court. This erroneaus collection information on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. CMRE FINANCIAL has also failed to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe you : Provide me with copies of any papers that show I agreed to pay you what you say I owe along with a signed contract with my original signature between myself and your company.

Provide a verification or copy of any judgment if applicable : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : CMRE FINANCIAL should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if THEY do not immediately delete this account from their records and/or credit report, they are subject to another {$1000.00} fine, plus punitive damages. I'm sure their legal staff will agree that non-compliance with this request could put CMRE FINANCIAL in serious legal trouble with the FTC and other state or federal agencies.
Product: Checking or savings account

On XX/XX/2022 a counterfeit check was presented to my account in the amount of {$4900.00}. I notified Chase Bank that the item was not mine. The check was returned unpaid The same day I closed the account and was told that I would be mailed a check for {$4900.00} since I did not want to reopen an account at Chase. 

No check was sent. On XXXX I contacted Chase Bank again and was told that this was being escalated to management and a letter would be sent with instructions on how to pick up a cashiers check at any branch. 

XX/XX/2022 I went back to the branch and was told that a check was in the mail. 

XX/XX/2022 Went back to the branch and was told again that it was being escalated to management and a XXXX tracking number would be provided so that I could track the check in question. 

To this date no check or tracking number has been received.
Product: Debt collection

This account was paid off weeks ago directly to XXXX as a result of inconsistent service and equipment issues! A certified letter was sent to them as well.
Product: Mortgage

This issue is NOT IN LITIGATION In XXXX of 2021 a conversation was held between myself XXXX XXXX XXXX and attorney XXXX XXXX XXXX of XXXX XXXX, XXXX the JP Morgan Chase Bank, NA representative where this attorney does in fact represent also XXXX XXXX whom I requested 2 FOIA 's on in the past few years, that have STILL gone unanswered by Fannie Mae. Please see the affidavit by myself XXXX. 

I have just received TODAY in the postal mail a payoff quote which I DID NOT REQUEST!!! This representative of Chase refuses to answer the obligated by law to answer the FOIA 'S and instead has sent me a payoff quote while not only violating the FOIA laws but also breaching many rules/laws as an attorney. This attorney Needs to answer the two FOIA 's!!! JP Morgan Chase Bank, NA can not ignore the laws!! nor her!!! This is NOT in litigation and Chase refuses to stop ignoring these NEW identified crimes NOT IN LITIGATION!!! YET!!! 

In addition this is an obsolete mortgage as of XX/XX/2021 on top of the Promissory Note And the Mortgage papers are photocopied and forged!!!