23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, my husband & I filed a Chapter XXXX bankruptcy. My mortgage was not included. At that time, XXXX sold my mortgage to XXXX who reported my payments to the credit bureaus every month, but as being late even though it was n't. Then they reported that my last payment to them was XX/XX/XXXX, which was 1 month prior to completing my 5 year BK and in XX/XX/XXXX I was sold to XXXX XXXX XXXX. XXXX did not report any payments for the 6 months they held my mortgage. said my $ was in a suspence account because they needed more documents from XXXX. I only found out about this because I was denied a HARP loan for nonpayments. When I asked XXXX for a payment history, as I was told if I got one XXXX XXXX would accept that and I could do the HARP, they sold my loan to Ditech. Ditech has not reported one payment and although my BK has been discharged, they will not take me out of their bankruptcy department. These companies have been taking my $ for 16 months and not reporting them, worse yet they are not applying them to my loan. This not only has ruined my chance of repairing my credit, but has kept me from refinancing to lower my interest rates. I can not get away from them. They are stealing my payments. Ditech told me that XXXX XXXX XXXX no longer exists, but when I call their phone #, they answer " Ditech ''. I believe my loan is being sold for profit and they are all connected in some way. Please help me. My husband has since passed, leaving me to figure this out. I 'm preparing for retirement and they have taken my life 's investment from me. I 've sent them a copy of every check, which shows dates, amounts and who cashed them. I. Have not missed a payment or been late. My bank has a record of every check. They leave me on hold. One time was 3 1/2 hours only to tell me it 'll be fixed in 48 hours. I 've been waiting over 7 more months with Ditech.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$10000.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Product: Credit card or prepaid card

Barclays Uber Visa changed their terms of using the card, as well as the way of using the points. They sent an email about how this change will occur. In their email they talk about Uber Cash, which is a term created by Uber/Barclays and I apparently didn't understand what it means. I thought it as a re-branding of their products, which happens time to time. 
I want to use my points, which worths around {$1300.00}, but they force me to use all this money for uber drives, which is not possible. I was planning to buy a ticket and visit my family, instead, this change made me helpless. 
I believe the change they implemented hurts people and make the company profit way too much. I believe this kind of changes damages trust between the companies and the customers. 

Thank you for the help
Product: Credit reporting or other personal consumer reports

The late payments on my account do not align with my regular payment history.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 4 {$100.00} XXXX gift cards. After purchased once opened the four cards did not have a 3 digit code on back of cards. These cards where a miss print according to XXXX and can not be used. The original store XXXX will not issue refunds and XXXX is not allowing purchase if not registered. Without the 3 digit code you can not register. I have submitted all requested documentation to XXXX XXXXXXXX XXXX on XXXX XXXX XXXX. Each time I call XXXX they have not corrected this issue and the customer service agent is not allowed to transfer to other departments and no supervisor is never on shift. I'm currently out of {$400.00}. I have the fax confirmation including the XXXX case number that XXXX acknowledged the problem. These cards where purchased using my personal XXXX bank card.
Product: Debt collection

We recently applied to an apartment and got denied stating that I have a landlord debt case or something in XXXX XXXX under Hunter Warfield colletion agency.I searched through public record and I have an open case to an apartment in which I have never ever lived before. Since a XXXX account was opened on that address with my my name. My girlfriend and I paid all that debt in XXXX ( about {$600.00}! ) to have power back on in our own apartment! But now I am got denied to an apartment I applied to because of this?! What can I do to get out of the situation? We are never going to be accepted to any apartment with this. It is an automatic rejection. And we cant get our administration fee and application fee back that is {$340.00}! The fees I pay for this is racking up. I have all the documents needed and I sent it to all parties needed. Please review and I asked them for a proof to show that this has been an error. The apartment I applied to is waiting. I hope you could help me out.
Product: Mortgage

Regarding : Case # XXXX Case # XXXX Cause No. XXXX In final response to Kondaur limited reply. Kondaur evicted me after they sneakily, undercover-ly knowingly and deliberately stole my house. Kondaur did not care about me as a consumer. They pretended that they were going to help ; however, their intentions were to purchase the loan from XXXX and sell the house out right! I qualified for the loan modification which they have established but refuse to comply. KCC did not reach out to me before the said " foreclosure '' on XXXX/XXXX/2015. In which I was told, by the auctioneer at the time of the sale at XXXX XXXX that no " foreclosure '' would be done. How can you foreclose on a house that has not been mandated to back to XXXX XXXX County- while it is in federal court? They pretended by using a CS Rep/ Relator XXXX XXXX to fill my head with the hopes that they would like to help after stealing my home, in which we paid XXXX down on. There is still unaccountable accounting information. 
In regards to the bankruptcy case, it was dismissed ( a mutual agreement ) " without prejudice '', said the honorable judge on file. According to the judge on file in XXXX XXXX county, the case has not been mandated back to XXXX XXXX County as of XXXX XXXX, 2015, the judge did not have the liberty to move further. We have not had our date in court, unfortunately Kondaur refuses to comply in all areas and they have not given valid reason to their unlawful actions. 
Sincerely, XXXX ' XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have two ( 2 ) XXXX account entries within one consumer file. 

One recent, current, in good standing.

One delinquent, verified, updating monthly.

Shouldn't the one delinquent be corrected to reflect settled, or removed at best?

Regarding the one delinquent, direct disputes were initiated. Responses to XXXX unfavorable, verified as accurate. Challenged was the completeness of the furnishers reports. There's truly nothing there. 

At this stage it really is a best action to submit XXXX. 

Payment submitted to creditor electronically via XXXX.
Product: Checking or savings account

- usaa punishing customers by closing account for reporting unrecognized charges. 
- usaa froze my money in my account on XX/XX/XXXX without notice. 
- XXXX from ceo office stated it would be closed in 1-3 days but was false and have been told I must wait 60 days to get my money back which is federally protected due to being VA benefits.

- fcra rights are being violated by usaa due to giving false information.

- I would appreciate this to be resolved as quickly as possible to due financial hardship this is causing especially with my XXXX and XXXX related XXXX XXXX.
Product: Debt collection

I received a letter from Pressler, Felt, and Warshaw regarding an alleged debt that I owed. I sent them a letter on XX/XX/2023 asking them for information, proof, and to dispute the alleged debt. I did not receive a response. I sent a second letter to Pressler, Felt, and Warshaw on XXXX XXXX asking them for information, proof, and to dispute the alleged debt. I again did not receive a response. I then sent letters to all three Credit Bureaus on XXXX XXXX asking them for assistance on verifying this alleged account to see how they verified this information since I was not able to reach them. On the XXXX of XXXX I then received letters from XXXX. XXXX provided statements of an alleged account that I have no idea what it is for. I still did not receive anything other than a bill to see how I was the person who owed this debt. 
Also this account is reporting inaccurately on all three credit bureaus. It is actually listed twice on my credit report as XXXX separate accounts.
Product: Debt collection

I was contacted via text message from Frost-Arnett ( phone number XXXX ). I have no previous interactions with this company. The text message was received today, XX/XX/year>, at XXXX XXXX XXXX. The body of the message is as follows : This message is from Frost-Arnett XXXX a debt collector. Please call XXXX or HTTPS : //payfa.info/ # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats 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 youve 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 XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt 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 doesnt even contain my reasons for the dispute is not reasonable. 

If you dont 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 Im 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 XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got a Citi flex loan on my credit card. This is a fixed loan to function as a personal loan at the rate of 6.99. My interest has been incorrectly charged to me since inception of the loan. This has led an increase in interest payments that just is not legal. I make more than my minimum payments every month. Any amortization schedule shows you a continued decrease in interest payments over time. This is not the case with Citicards. My interest charges are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not increase the amount owed on this loan.
Product: Money transfer, virtual currency, or money service

I started a company and used my PayPal to collect goods and services from customers. They then banned my account on XX/XX/XXXX and when I called they told me that they had no reason to ban my account what so ever. They said and I quote we can not give you specific reasoning to why this account was banned because we dont have one. They then said they are holding the almost {$2000.00} for 6 months. But said that I should make a business account and that I can still use my account that way. I then made one and connected my website to it via XXXX. Immediately once I connected my bank account they put my account under review on XX/XX/XXXX. While I followed every single guideline for PayPal.  Then today on XX/XX/XXXX they banned my account again for not one reason at all and am holding my money, around {$7000.00}, for 6 months. They are making money off of my money while I need that money crucially to run my business. They discriminating against me for no reason at all what so ever. They told me I could use my business account but immediately banned it once I had more money in there and found out it was my business. Which this business is  legal. I own a XXXX XXXX business where I XXXX XXXX XXXX XXXX XXXX. I have all legal documents to run this business, Tax ID, Kansas Tax number, Kansas State resell certificate, and every other document I can think of. This is getting ridiculous from PayPal as they are holding close to {$10000.00} in 2 accounts that I need now. They accused me of being a liability, but I have NEVER had a customer charge me back or even start a case to charge back. Thank you guys for all the help you will provide me with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a late payment on my credit report a late payment on my credit report. Please update this late payment to paid on time and or Ok in the payment status on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have been made aware that you are not eliminating items, even when they are submitted with an FTC fraud report # XXXX. This marks my third complaint regarding identity theft, and I am submitting this to contest the items listed in my file following the crime, as per the bureau. The disputed items are unrelated to any transactions involving the acquisition of goods, services, or money that I have authorized. Kindly expunge the reporting of these items from my credit file, which stemmed from an alleged identity theft : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ***********XXXX  : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Unauthorized Hard Inquiry XX/XX/year>XXXX  To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry that Capital One placed on my credit report on XX/XX/year>. I did not apply for any credit products, services, or loans with Capital One that would authorize such an inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. Because I did not grant permission for this credit inquiry, I request that it be removed from my credit report immediately.

Please investigate this matter promptly and provide a written response confirming the removal of this inquiry. If the inquiry was made in error, I expect Capital One to notify the credit bureaus to correct my report. 

Attached to this letter are copies of my identification and a recent credit report showing the disputed inquiry. Please let me know if you require any further information. I appreciate your prompt attention to this matter. 

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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I called Transunion because my free online account ( XXXX XXXX account ) stopped working after I had a legal name change done. On my first call, I spoke to Transunion customer relations department, who transferred me to their online department and then transferred me back to customer relations, only to be told I needed to speak to the online department again. After a few back and forth, I finally got a person in the online department who looked into the issue and said there were a lot of errors popping up, and he told me to contact the customer relations department again. The problem I'm having is I can't use my XXXX XXXX account to add or lift a credit freeze, Dispute or view my credit report. 

The error I keep getting for the freeze is, " Sorry, we're having trouble showing the status of your credit freeze right now '' The error I get when trying to dispute is, " We're unable to complete your request online. '' The error I get when trying to get my credit report is, " Your online credit report isn't available at this time. We can't access your credit report right now. This may be a temporary error. ''
Product: Debt collection

On XXXX I was attempting to acquire a landline telephone service from XXXX XXXX XXXX ; spoke with " XXXX '' in which a temporary number was issued, XXXX ; stating {$34.00} monthly waiving the activation fee. A few days later XXXX telephone wires arrived in the mail. I wanted to KEEP my existing old number ( XXXX ). Time passed, my " old '' number was not ported out and completion of the order was not finished leaving me without any service. I obtained WI-FI with a different company. I called XXXX XXXX XXXX and informed them I did not have service with them when months later they sent a {$100.00} bill. Afterwards, several collection agencies were demanding the amount of the bill. I contacted both XXXX XXXX XXXX & the collecting agencies and informed them the debt was invalid. XXXX XXXX XXXX told me it was with a collection agency & the collection agency told me to contact XXXX XXXX I spoke with " XXXX '' on XXXX XXXX -- collecting agency XXXX ; and " XXXX '' on XXXX when he stated " no longer has account ''. I asked them to remove the debt from all three credit bureaus which has harmed my financial status.
Product: Vehicle loan or lease

I understand there was a remaining balance after the vehicle was repossessed and sold of approximately {$2900.00}. What is very concerning is the amount of interest recently added and reported to XXXX XXXX Iowa XXXX XXXX XXXX. The company alleges that interest accrued to a total of {$2700.00}, which is nearly equal to the original remaining balance. This company has also consistently made, removed, and adjusted notes on my credit report which has caused my credit to fluctuate greatly. In addition, the credit report has consistently showed that the account was a chargeoff/collection account, which made me further question the legality of adding such exorbitant interest to the account. {$2100.00} has already been seized via wage garnishment, so I am concerned that this company has done this seemingly unscrupulous XXXX and legal processes against other unsuspecting consumers with no means to investigate the legality of these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough investigation on my XXXX, Trans Union and XXXX credit report. They said they did a thorough research on the accounts. They never provided proof after I asked and requested them too and proceeded to keep the accounts on my credit profile without proper investigation and proof of original signatures and contracts. I found discrepancies and inaccuracies on the accounts and asked them to be removed them and they refused. 
Below are the following accounts in question. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX
Product: Credit card

Without fail, I've maintained a record of timely payments on this account, avoiding any instances of overdue payments. The rationale behind the inclusion of late payment remarks on my accounts remains uncertain to me. In accordance with 15 USC 1666b - Billing Error, corrections are warranted.
Product: Mortgage

Violation of dual tracking by XXXX and XXXX XXXX XXXX XXXX XXXX must be replaced as requested. 
I emailed documents for loan modification and received email dated XX/XX/XXXX review was completed. 
However as of XX/XX/XXXX I have received no other documents and no other documents for loan modification have been requested. 
On XX/XX/XXXX I received default notice attached that is dual tracking. Dual tracking if prohibit by law as CFPB states the following information. 
Dual tracking occurs when a lender receives a loss mitigation application from a defaulting borrower, but proceeds with both foreclosure and loss mitigation options. Dual tracking is prohibited by federal law under Title X ( the Consumer Financial Protection Act of XXXX ) of the Dodd-Frank Act. 
Letter date XX/XX/XXXX loan modification was completed, and no further information has been provided as of XX/XX/XXXX. 
Notice of default to dated XX/XX/XXXX is violation of dual tracking that is prohibited. 
I have made multiple attempts to remove single point of contact. 
XXXX XXXX IS NOT AVAILABLE WHEN I CALLED IN, I HAVE BEEN TOLD SLS NO RECORDS WHEN SHE WILL RETURN TO WORK. 
I CAN NOT TALK TO XXXX XXXX XXXX XXXX AND HAVE NOT NEITHER SHE HAS RETURNED MY PHONE CALL. 
I DEMAND CFPB AND SLS TO CHANGE XXXX XXXX XXXX XXXX 
Its just an excuse to cease and desist is the reason which was filed on in XXXX. I have received many calls since than