23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account is more than XXXX XXXX XXXX. Im entitled to {$1000.00} per violation for reporting incorrect information.
Product: Mortgage

Seterus claims they have a foreclosure on the property ; however, there is no evidence to support that claim. The mortgage company was XXXX XXXX XXXX not Seterus. I have requested a copy of the closing documents but have not received them in over a year since I requested them. Under the legal I have none, if this company attempted a foreclosure there would have been legal information. Please help. My e-mail address is : XXXX. 



Thank You, XXXX XXXX
Product: Debt collection

On XX/XX/year> at XXXX from an unknown caller ; I answered and the man ( believe his name was XXXX XXXX on the other end ask to speak with me. I asked what he was calling about and he said it was a personal matter and asked me to confirm if I was the person he was calling to speak with. I confirmed and then he gave the disclaimer and said he was calling in regards to a check that was not honored due to insufficient funds. He then stated the check had been taken care of, but he was calling to collect on the check. I requested call back information so I could call back later this week with payment information. He then responded that that's not wasn't going to work with him and I then advised him that I work in debt collection and requested the contact information again. He responded if you're in debt collection then why are you in collections is it because you don't have any money. I advised him that he should know he can't speak to me that way and requested to be transferred to his supervisor then he provided the 800 number. 

I called the number provided and spoke with someone named XXXX who stated she was the man 's supervisor whom I spoke with earlier. I stated requested that she pull the call and listen to it and use it as a coaching opportunity because the way he spoke to me is not allowed. She asked me what he said that he would need to be coached on because she heard the call and didn't see anything wrong with what was said and I attempted to explain, but not before asking for her last name, she refused to give it to me and said if you're in debt collection then you would know that I don't have to give you that information. After I advised her that I would be filing a complaint and also filing suit she asked me if I knew it was illegal to write a bad check. I advised at the time that check was written it wasn't bad check however, the check was processed after other items had already been debited from my account. At this point my husband got involved in the conversation then it became an argument, and she eventually hung up. 

The company name is Qualia Collection Services. I was able to find their website and they do not have a license to do business in Texas. The number that was provided is XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX about her inheritance after her grandmother, XXXX XXXX XXXX, died around XX/XX/year>. XXXX stated that he was the family lawyer, an agent of the US federal government and an agent of the IRS and that XXXX was a bank representative from Bank of America. XXXX explained that XXXX 's grandmother had a will and that she was giving XXXX XXXX houses and over XXXX XXXX dollars. But for XXXX to get access to the real estate property and money XXXX had to pay the IRS back tax money that was owed. XXXX contacted XXXX XXXX and myself about this and asked if we could pay the taxes because she didnt have any money to do this. We sent over $ XXXX as a team to XXXX XXXX, an employee at Bank of America. This was too fulfill this obligation to get access to the estate. XXXX then asked for more and more money and said the IRS was adding late fees and interest every 10 days. He also stated that he worked for XXXX XXXX, but the routing/account numbers didnt match their records. This alerted me and I have done research to find out what was happening XXXX and Bank of America failed to protect me as a consumer. The wire was sent to a Bank of America site and I was told they were an employee. Why would XXXX allow me to wire money to a address that was a Bank of America address. Why would Bank of America allow a person to use their address for an account?
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has recently deleted positive accounts on my credit report without my permission. 

please reinstate all positive accounts and remove all negative accounts
Product: Mortgage

Ocwen has misapplied some funds on my account and now they are returning all my payments that i try and send saying that im not paying enough to reinstate the loan I have provided proof of all payments and asked for a corrected reinstatment loan.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the XXXX bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Mortgage

About a month ago I got in touch with a account specialist at mrcooper I am really greatful that mr cooper is offering me a new modification due to the disaster that I encounter months ago it was a really big help I am very thankful and for ever thank mr cooper for their big help. Now Im a little disappointed that as much as I try talking to an account specialist regarding the new payment of the new modification of XXXX its still a bit high I want to ask mrcooper investor or investors if there is more than one to please reconsider my age and now that Im a senior. I want to continue with my home and start fresh I also want to mention you once again that if the disaster wouldnt have affected me I wouldnt be in this situation right now and of course would be current before the disaster I had a family emergency that cause me to fall behind one or two months but I still kept on giving my payments also after the disaster 3 months lower payments that I completed I still continued giving my payments. 
I understand that Im not current at the moment but it is my priority to keep up and to keep my home but it is necessary for you to understand that I have a neighbor whom is an attorney and he advice me to ask you to lower my payment a little less from the XXXX I would like to keep the 3.00 interest that you are giving me and offered me in the previous modification. 
The payment back than was XXXX Please help me get a payment from XXXXto XXXX Im not asking you for a big difference only to drop the payment XXXX or XXXX less but I will be happier if its a little more than than and keep the 3.00 interest. 
The attorney said if you are offering me a new modification the new payment should always be less than your previous payment which was XXXX it should be less if my lender is offering me a new modification and keeping the same interest. 
Please help me I want to keep my home and start making my first trial modification payment this XX/XX/2018 or XX/XX/2018 It is my priority to keep my home and Im a senior citizen whom is asking you for your help by keeping he same interest at 3.00 and have you lower my payment a bit less than XXXX
Product: Credit card or prepaid card

I received a email alert stating there was a hard inquiry on my credit, to a credit card Synchrony that I did not applied for.
Product: Credit card

I applied for and was approved for a Wells Fargo XXXX card on XX/XX/2023. 
A month later I have not received the card which I was told has a limit of {XXXX} and a balance transfer offer of XXXX XXXX XXXX XXXX XXXX 
Immediately upon being approved I attempted to conduct a balance transfer. The app gave me less than XXXX XXXX  to provide the balance information including account details. By the time I started entering it, the screen closed and that offer was no longer accessible on the app. 
I called asking to process the transfer and was told no transfers are allowed until I receive my card and that the clock for the XXXX XXXX  began on the day I was approved. Due to this rule, and their unwillingness to provide me with the card in a timely manner, the offer that enticed me to obtain the card is no longer fully available to me. 
This seems more of a pattern than an exception.
Product: Mortgage

I 've been challenging the balance in my closed escrow account. I received a letter stating there is no money in the escrow account. Per previous statements there should be {$620.00}. They need to account for this money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit card

Concora Credit is in direct violation of the following UCC codes as they have returned my negotiable instrument that meets all standards and have not discharged my balance. 

XXXX. PAYABLE ON DEMAND OR AT DEFINITE TIME. 


XXXX. NEGOTIABLE INSTRUMENT. 
Primary tabs ( a ) Except as provided in subsections ( c ) and ( d ), " negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : 3-603. TENDER OF PAYMENT. 
Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code Notes prev | next ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

PENN CREDIT CORP ( Original creditors ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX / {$1700.00} ( Open balance ) Dispute resolved; customer disagrees Last reported XX/XX/XXXX I moved out XXXX of XXXX back to Minnesota because my mother had a XXXX and had to care for her. I called XXXXv to stop my account .. thought they did and never realized it was still active until XXXX of XXXX when I was apt shopping in Minnesota that this was still active .. asked them to help me and do more research and they said all info from XXXX was nolonger available due to new system. Ive disputed this multiple times with no results. Please help remove. The charges are not mine and everything was paid off and should have been closed indefinitely. 

XXXX XXXX XXXX  Amount past due {$1300.00} Charge off Account not mine .. tried to dispute .. they have no access to info..
Product: Debt collection

i noticed in XX/XX/2022 that there was something on my credit that did not belong to me neither did i have any knowledge of these accounts or debts i also did not have any knowledge of the companies that were associated with these said debts i had no knowledge of any kind and did not consent to or enter into contract with any of their entities this is fraud and i need your help in resolving this matter i also noticed fake name and addresses that do not belong to me as well on my credit report
Product: Checking or savings account

I have opted out of the overdraft protection with regions Bank for several years and they continue to charge me multiple fees even though I've been opted out. They have also moved charges dates to cause my account to overdraft. I have called on multiple occasions to resolve this and only been refunded two or three times but this has occurred 20+ times over the course of years and has taken thousands of dollars from me. In some cases, causing me to miss payments for bills which has caused stress on my family and on a few occasions, affected my credit score.
Product: Credit card or prepaid card

Back in XX/XX/XXXX I made XXXX payments on my Citi XXXX card in the amount of {$25.00} & {$40.00}. The {$25.00} payment was paid manually on XX/XX/XXXX while the other payment of {$40.00} was taken out on XX/XX/XXXX. I had honestly forgot to cancel the the autopay payment of {$40.00} bucks. By the time I realized what happened the payment was taken & my checking account didnt have enough funds after the XXXX of XXXX because this account is set up to pay specific bills so theres a certain amount of money in this account. 

Realizing what happened I called Citi and spoke to a representative & asked for the {$25.00} payment back to cover the {$40.00} auto payment which normally gets taken out my checking account in 3 days. I also added money to my checking account just to make sure the payment was covered for XXXX. But that didnt happen because I was hit with a return check fee of {$20.00} bucks & then after that happened it just seemed as if Citi was just out to target my Citi XXXX card. 

In XX/XX/XXXX I received a letter from Citi stating my account is closed. XX/XX/XXXX to be exact I also have it in the attached documents. I really didnt understand why my account would be closed over a return check fee & a missed payment so thats when I called and spoke to a Citi representative in which the representative did an application to reopen the account. The account was never reopened and I received a letter on XX/XX/XXXX saying were unable to reopen your account & that letter is also in the attached documents. Also I made a payment of {$40.00} on XX/XX/XXXX, so I made up for XXXX & while paying XXXX bill even though my account was closed for NO REASON. 

I say NO REASON because this is the ONLY year which I had issues with my Citi account. I received XXXX return check fee & missed XXXX payment does that mean my account should closed the next month? Ive had this Citi account for at least 5 years never missed a payment and this is how my account is treated? Its RIDICULOUS & annoying because it took no time for Citi to close my account.
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes when I saw incorrect accounts on my credit report this morning. Ive always been diligent about checking my report, but this time, there were discrepancies that I couldnt explain. I even refreshed my browser, hoping it was just a technical error, but the accounts remained. To resolve this, Im asking for a detailed review of the documents I provided so that I never have to face this kind of XXXX  again.
Product: Consumer Loan

I received a letter from Prosper.com telling me I was pre-approved for a personal loan. When I went online and entered my confirmation code they said I could not get a loan at this time. Then they tried to redirect me to another loan program. I see invitations for credit cards and other types of loans all the time. None of them explicitly state that I was pre-approved for a loan. Prosper.com is definitely trying to mislead the public in their advertising.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation.

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being.

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

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

XXXX, XXXX  and Equifax are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting late payments for XXXX XXXX XXXX XXXX XXXX and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer report.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit card

I sent a payment check to XXXX to pay my credit card off in full. The amount was larger than the balance at {$1500.00} and the balance was {$1500.00}. The check was recieved by XXXX via XXXX mail with tracking on XXXX XXXX. According to their own documentation on every statement, as long as the check is recieved before XXXX, it will be processed for the same day ( posted ) or the next business day if after XXXX. In this case then it should have been posted on the XXXX then. They did not post the check payment until XXXX XXXX. They have refused to listen to me even with proof and I will not pay interest on those XXXX days on any balance due to their lack of processing against their documentation.
Product: Credit card or prepaid card

Recently I noticed that when I travel international ( XXXX ) to be more specific I noticed whenever I use my US Bank Debit Card I have been charged both an ATM fee, a transaction fee and an international transaction fee. On XX/XX/2023 I made a purchase XXXX XXXX  XXXX XXXX  in XXXX @ a total cost of {$7900.00} and I was charged a processing fee of {$230.00} there are many other processing fees that has been charged to my account in different amount from {$3.00} and up. I was not informed about these charges so I think that the bank should reverse these processing fees.