23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold to Carrington morgage from XXXX XXXX XXXX in XXXX XXXX. We were already behind on 2 payments before Carrington took over my morgage. We never revived anything from Carrington about the change so I called them myself and explained that I 'm trying to catch up on my payments then couple day 's later I received a welcome packet. Every document had wrong dates going back as far as XXXX!! I have been calling them for weeks now even spoke to several supervisors all say something different. All I wanted was to be put on a repayment plan so I can save my home for my children. One supervisor put me on a payment plan and I made sure I asked is it in the notes so when we call in others will see it? Yes he said. Called in to make a payment and sure enough I got no you ca n't we need two full payments before we can take any payment. Then spoke to another supervisor and they said they can put me on a promise to pay and again asked him about the notes and even explained what happened with the last situation and he reassured me that he notated everything and when I tried to call in tonight to make a payment they wo n't accept again even though I 'm explaining everything to them but now this time they said I need to make a 2 full payments. I 'm 3 months behind ( I 'm still checking into that to make sure it is correct since all dates are wrong on the forms they sent and I made a payment to XXXX XXXX XXXX in XXXX XXXX ) I owe under {$3000.00} and would have it paid off by XXXX XXXX. I 'm not sure how Carrington morgage keeps customer 's they are suppose to help your situation not make it worse. They do n't make you feel like a wanted customer and no one knows you situation I got transferred all over the place and no one bothered to look in the notes but they could see who I spoke with. All I want to do is pay my morgage payments to get caught up and since I 'm new to this company you think they would be more helpful or maybe I 'm not getting to speak with the right person. I just hope this can be resolved soon because coming up soon I will be 4 payments behind almost seems like that 's what they want.
Product: Credit card or prepaid card

I used to have an American Express Platinum credit card but it was closed a year ago. However, this XXXX all the sudden American Express charged {$50.00} to this closed card. Meantime, American Express never sent me any credit card bill for this {$50.00} charge until XXXX. However, the ridiculous thing was that in XXXX and in XXXX American Express charged {$40.00} and then {$29.00} late fees to my card, without sending me any credit card bill at all until XXXX. Not only late fees, American Express also sent late payment penalty info to three Credit Bureaus and completely damaged my credit reports.

After I received the first bill from American Express last week, I immediately contacted American Express. Then I found out that American Express said that I had a purchase from XXXX last XXXX and then later I returned this purchase back to XXXX. Therefore, American Express charged back {$50.00} promotional credit ( that I received last year for XXXX purchase ) to my AMEX card. However, after I contacted XXXX, what happed was that I NEVER returned my XXXX purchase at all. But instead, XXXX sent me defective hoodie that I purchased, so later XXXX decided to compensate me for this purchase. Very obviously, it was not a return at all.

I explained the whole situation to American Express Executive Office. American Express representative admitted their bank errors of not sending me any bill but charging me those late fees. Their representative Mr. XXXX XXXX credited me back those late fees. However, he was not willing to credit back the {$50.00}, which is not reasonable and total unfair to me.

American Express made three errors here : 1 ) American Express charged me {$50.00} but didn't send me any bill statement. Meantime,
American Express kept charging me late fees multiple times.

2 ) In addition, American Express kept sending late payment due information to three credit bureaus and completely damaged my credit reports ( I lost 15 points in my credit score last month, which never happened in my 20-year credit history before ).

3 ) American Express should NOT charge back the {$50.00} promotional credit to my account, because I never returned my purchase back to XXXX. American Express offer terms and conditions state very clearly that only if the purchase is returned to XXXX, then the promotional credit can be charged back by American Express. However, I NEVER returned my XXXX purchase at all. XXXX sent me credit as compensation of defective merchandise, not a return. 

I must request American Express to credit the {$50.00} back to my card immediately without any delay.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXXXXXX XXXX XXXX, NY XXXX*Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXXXXXX XXXX, NY XXXX
Product: Checking or savings account

I called XXXX XXXX XXXX to submit a fraud claim against XXXX an online money transfer service which took {$400.00} out of my account without my permission. I have checked the account for mircotransactions to see if XXXX used this trusted method of 2 step verification and they did not. Per their website the only other possible way for someone to use XXXX to send funds is to use my username and password for Chase ( I do not have a XXXX account and have never had one ), but I do not see that anyone has logged into my account other than myself. Upon filing this claim via phone with Chase I was informed that the only way to ACTUALLY submit the claim is to sign a form and mail it in or have it faxed. As it is no longer XXXX I do not currently have a fax machine and I do not regularly use the postal service because of the existence of the internet. This means that I am forced to either buy a fax machine ( and a landline service to attach it to ) or purchase an envelope and stamps to mail it in. Failure to mail in this form will result in the bank rescinding the account credit for the fraud and leave me ( the innocent party ) to pay for the transaction in the first place. Per Section 205.11 Procedures for resolving errors : States that if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an EFT that should have been included. Using this logic : my phone call has satisfied the requirement of regulation E and that further notification or written statement should not be required. However, I am more than willing to provide said statement should Chase offer me a cost neutral means of doing so. I would ask that the CFPB enforce regulation E as written and not allow banks to make up their own barriers to make it difficult to file claims particularly as we may not all currently reside in the United States or have access to said measures.
Product: Payday loan, title loan, or personal loan

made online loan in XX/XX/2019 for {$650.00} company did not explain the conditions of the loan or the high interest rate of 600 percent have now paid approx. {$2000.00} repayment on a {$650.00} loan and still paying feel as though company does not disclose terms of loan and are hard to contact if they are gave full disclosure of terms of loan I would not have dealt with company they are taking unfair advantage of people who are already financially spent out and in dire needs did not receive any contract information from company
Product: Debt collection

To Whom It May Concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION which took effect XX/XX/2021, You ( Aargon Agency ) You ( Aargon Agency ) have violated the FDCPA 1006.30 ( a ) and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681 ( b ) ( 2 ). 
You ( Aargon Agency ) have no permissible purpose by law to contact third parties with any private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028 ( A ). You ( Aargon Agency ) have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST ( AARGON AGENCY ) 15 USC 1692 ( c ) Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such deb
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted an online request to the Experian, XXXX and XXXX credit bureaus, requesting letters requesting verification of the debt on my report. Starting on XX/XX/XXXX, I began to receive replies stating an update was made. On XX/XX/2022 I mailed certified letters to each bureau requesting verification documentation Beginning XX/XX/XXXX, they have sent back stating everything is verified correctly. 

However, my credit report is still showing inaccuracies XXXX XXXX XXXXXXXX ( A ) ( XXXX ) 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: Bank account or service

COMPLAINT TO CONSUMER This complain is against PORTFOLIO SERVICING due refusal to disclosed information regarding the supposed Investors of the fraudulent Mortgage Account # XXXX, Property : XXXX Fl XXXX. Select Portfolio Servicing falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : SELECT PORFOLIO SERVICING XXXX, UT XXXX Ref. : Select Portfolio Servicing Acc # XXXX Property : XXXX Fl XXXX NOTICE TO DISCLOSE INVESTORS INFORMATION The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request Select Portfolio Servicing, Inc., to produce/disclose the following information : 1. Release Name and Headquarter Address of the supposed Investor of the Mortgage Acc # XXXX. 
2. Release XXXX BANK, XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX on XX/XX/XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX. to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX and XXXX. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

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

XX/XX/XXXX XXXX XXXX ran a inquiry on my credit report without my knowledge I would like to remove it immediately off my credit report, XX/XX/XXXX XXXX  ran a credit check on my report XX/XX/XXXX XXXX XXXX account open I would like to remove the open account and remove the inquiry on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On a past mortgage account I had with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, there was a delinquency that was reported in XX/XX/XXXX that is incorrect. For the month of XX/XX/XXXX my payment was sent around the XX/XX/XXXX. My checks were being sent to XXXX XXXX, VA XXXX as it was stated on the only document I had received since the start of the loan. I had not received any payment books or monthly statements either. A credit monitoring company emailed me saying my account was delinquent. I called XXXX XXXX and was told that my payments were going to the wrong place and that I was using the wrong loan account number. They were supposed to be sent to XXXX, PA XXXX. I was told that my payments were being re sent to PA and that the correct loan number that was not on my original document was being changed and that it would take up to two weeks to reach the correct XXXX XXXX. During that process it made my payment 30 days late. It is an error on XXXX XXXX due to the only document I received until I personally called and got all the correct information that i was never given. This error is drastically effecting my credit and possible future credit applications. I would like this error to be corrected since it was an error on XXXX XXXX and their guidelines state that they will correct any errors that occur on their behalf.
Product: Credit reporting or other personal consumer reports

Hi My name is XXXX XXXX. I was checking my credit report and I noticed unusual activity that i have nothing to do with. I think i have been a victim of identity theft. There are inquiries on my report that i didn't apply for any banks. Please dispute and remove them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit inquiries on my Credit Report. XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I have put a fraud hold on my credit account with all three major credit bureaus regarding fraudulent activity. There are a few items that don't belong to me and need to be removed ASAP. I contacted the creditors and they will not remove it. It is hindering my credit. These are the accounts that are fraudulent and need to be removed ASAP : NATIONAL CREDIT ADJUST XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Acct : XXXX INQUIRIES XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had federal loans and they were sold to a group called Nelnet. Nelnet continually loses my paperwork. Every time I send them my paperwork ( and this is the third time ) it mysteriously vanishes. They send me an email or something in the mail telling me I have an outrageous amount of money due. I call them, fill out the paperwork again, and work out ( or, at least, I thought we had worked out ) a reasonable payment plan. I 'M POOR. I do n't make much money and want to pay my loans back. But Nelnet keeps pulling this - and they 've done it again! I 've sent them my tax information for the third time now and they told me they 'd put me in a payment plan around {$100.00} per month. They just sent me an email saying my next payment would be over {$2000.00}. This is obscene.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and other incoming deposit 's. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these inquiries need to be deleted under federal law. Attached will be an FTC report. 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. TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX YOU ARE IN VIOLATION OF 15 USC 1681b DELETE REMOVE
Product: Debt collection

XXXX XXXX Spoke with XXXX from Credit Acceptance Corporation to request documents for validation of debt. She informed me that the debt is being serviced by XXXX and XXXX phone number XXXX and I Could request documents from them. Contacted XXXX and XXXX at XXXX XXXX  and was told that I owed the balance and they would mail me a letter. 

I am Requesting the following -Original Contract -Full payment history -Notice of default -Notice of Sale -Explanation of calculation of surplus and deficiency -Notice of XXXX of personal property I would greatly appreciate these documents. I look forward to their response
Product: Credit card or prepaid card

I made a few typos out of my original Neiman Marcus application which was about to be approved and the rep refused to correct the typos that I made on the application there for telling me to go into the store to reapply which would cause another inquiry
Product: Money transfer, virtual currency, or money service

I was browsing on XXXX for a XXXX on XX/XX/XXXX and came across someone called XXXX XXXX who was selling them for {$150.00}. I sent an inquire to them and they sent me a this number XXXX ( XXXX XXXX XXXX to contact on XXXX XXXX. I sent {$150.00} to XXXX XXXX through zelle on the same day and he was using XXXX as his email. On XX/XX/XXXX he sent me a message saying that the store department that they got their XXXX from accidentally 100pcs of XXXX and that I owed them {$12000.00} after selling a majority of those XXXX. My intent was to use this XXXX for my own recreation not to sell and I for sure didnt want to buy them in bulk. On XX/XX/XXXX he texted me on XXXX saying that the XXXX have arrived in the U.S. and for them to get out of hold from XXXX XXXX XXXX XXXX I had to pay an extra {$1000.00}. A few days pass and on XX/XX/XXXX I decided I wanted a refund for my {$150.00} and he tells I have to wait for 14 days. Its been 14 days now on XX/XX/XXXX and now hes telling me I need to wait until XX/XX/XXXX, Ive now lost all trust in this company and I cant get my refund just from calling my bank so this is why Im taking it to these measures.