23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My credit report from TransUnion lists my name ( XXXX XXXX XXXX ) and a name that I have never used : XXXX XXXX. The name XXXX XXXX first started being used by collection agencies calling me about 12 years ago. I was never told what company had employed the collection agency, but the name was passed around to differenct agencies, and I always said I have never been nor am I now XXXX XXXX. The calls have stopped, but her name appears on TransUnion report. XXXX has XXXX addresses which were never my address : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX, NY XXXX. I believe these addresses may have belonged to XXXX XXXX. Please remover the name XXXX XXXX and the XXXX incorrect addresses from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX has provided me with a long over due XXXX evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next XXXX. After I will file complaints with XXXX, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a public XXXX in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article XXXX section XXXX of The XXXX.
Product: Credit card or prepaid card

On XX/XX/23 capital one closed my venture x card without explanation except for violating terms and conditions. I have no violated any terms and conditions, the employees that I have talked to at capital one are unable to see why I would have my card closed. I always pay my card in full on time. I just paid the {$390.00} annual fee without any benefit uses since paying the annual fee. They also deleted all of my reward points. They attempted to escalate this and said they were not able to see the exact reason this was closed. I feel like this is a scam to keep rewards and annual fees from clients as this is a known issue with Capital One ( closing cards without being able to give a specific reason ).
Product: Mortgage

Dear Sir or Madam : The servicer for our mortgage, Ocwen Loan Servicing, LLC raised our mortgage payment {$230.00} a month beginning XX/XX/XXXX. I called Ocwen at the beginning of the month and asked why. The representative said our property taxes went up ; however, our property taxes have not increased {$230.00} a month. 

We have owned our home in XXXX XXXX county since XX/XX/XXXX. We paid {$680000.00} for the home. Our annual taxes are {$9900.00} and Ocwen has increased our escrow fees from {$790.00} to {$1000.00}, which does not add up. Paying {$1000.00} a month for property taxes equals {$12000.00} for property taxes for the year. 

According to the escrow papers sent to us by Ocwen, we have a projected cushion of {$1500.00}, yet Ocwen wants us to pay {$2900.00} or {$230.00} a month this year to our escrow account. 

We need a clear explanation for these charges. When I call Ocwen, the representatives can not explain this increase so it makes sense.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXX  Account name : XXXX XXXX  Account name XXXX XXXX XXXX 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 crimes 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 reporting, credit repair services, or other personal consumer reports

To whom it may concern I contacted Trans Union, XXXX and XXXX regarding this fraudulent account placed on my credit report. I also reached out to the company XXXX XXXX XXXX the company XXXX XXXX XXXX/ at your service in question does not have any signature, contract, identification, or anything indicating that they were in business with me or that I did businessAdditionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt with them. How can a company place an account on someones credit file without it being some type of verification that the person does actually have an account. Additionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt. I received no documentation or letters, regarding this debt. this is a fraudulent debt. XXXX, Trans Union, or XXXX did not investigate, this company to confirm the validity and authenticity of this trade line before being placed on my credit report. This credit report is hindering my well-being and now I am facing employment issues and ramifications if this is not resolved, this fraudulent account is on my report and XXXX, Trans Union , XXXX fail to uphold the FCRA and confirm the validity of this account
Product: Debt collection

XX/XX/XXXX For the last several months I have received a daily recorded phone call from a company called XXXX XXXX XXXX XXXX XXXX. The message states this is XXXX XXXX XXXX and you need to call XXXX and reference ID number XXXX. Ive ignored it over and over and over knowing that I had no debt to be collected and assuming it was a scam. Finally after being woke myself on a day off and having the grandchildren woke up when visiting I decided to call it back and see if I could get it stopped. On XX/XX/XXXX I called them back. They refused to let me talk to a XXXX XXXX XXXX and XXXX insisted she could take care of the matter. I gave the ID number and they were looking for somebody named XXXX. I informed them there was not and have never been anybody named XXXX at this number and to please stop calling. They told me they would remove our number. Again this morning they called leaving the same recorded message more than 24 hours after I ask them to remove our number. I called them back and got a gentleman that I couldnt understand and again ask for XXXX and was told that he doesnt talk to people. He only leaves messages but they would let me talk to a supervisor. I got somebody that told me her name was XXXX XXXX. She told me that she would remove our number and it would take 24 hours ( same story I got more than 24 hours ago ) and that if they called again I could call XXXX. I informed her I was filing a complaint against them because I had already ask them to remove my number and told her I was turning them in as a scam company since they had nobody there named XXXX XXXX XXXX. She tells me they do have that person but he only leaves messages. To repeat and be clear the message we get it recorded and not a personal message. She then just talked over me telling me a scripted message about them removing the number in 24 hours when it has already been more than 24 hours since I ask them to remove my number. 
They call from one of 3 numbers : XXXX XXXX XXXX The follow is the dates and times I have that they have called dating back to XX/XX/XXXX. Unfortunately I had deleted anything further back than that. 
XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I looked them up online and it appears their mailing info would be as follows. 
Transworld Systems XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my vehicle was in a collision and was totaled out.

I filed a report to my auto insurance and GAP insurance to pay out the remaining balance on the loan since the vehicle was declared to be totaled.

The principle mount owed at that time was {$15000.00}.

Total coverage our primary insurance check coveredwas {$13000.00} The GAP insurances final payout was {$930.00}.

Originally service contract refund which prorated to {$880.00} Due to negligence from the finance department where I purchased the vehicle their portion of the remaining balance was 90 days past due.

Because of late fees their financial responsibility went from {$880.00} to {$1000.00} as of XX/XX/year>. 

Further proof that they were responsible for the late payment is shown on the check they sent out. The total they sent was for {$1000.00}.

Again, had they paid on time the amount they would have had to pay was {$880.00} While I waited and battled with the finance department at XXXX XXXX I kept receiving phone calls from debt collectors that were sent from XXXX. 

Despite me providing evidence of the police report, the documents from both my auto insurance and the Gap explains the payouts and information of the wreck, and Truist receiving checks from both Insurance companies they continued to ignore the fact that this was a total loss pay out on the loan.

Because of this my credit score went from XXXX to XXXX. 

I need them to fix their error and expunge the negative reports that impacted my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX and Experian via certified mail on XX/XX/XXXX, although I saw a new dispute was opened with XXXX through the dispute portal, I have yet to receive a response from this company. Experian never opened a dispute until today XX/XX/XXXX after my initial complaint to CFPB. They are both reporting inaccurate information on my credit file as well as incorrect addresses. I only live at one address and I have reached out to all current and past creditors and bureaus to update this information and have received push back. This is putting me at risk of someone obtaining my information from creditors. 

The accounts in particular that have not been properly investigated are : XXXX XXXX showing the first date of delinquency as XX/XX/XXXX on Equifax reporting but on Experian its XX/XX/XXXX. This is aging the file to remain longer on my report please remove as this is further damaging my credit history. 

XXXX XXXX XXXX is showing the original delinquency date as XX/XX/XXXX with a charge off of {$73.00} but has fluctuated the balance past due as {$450.00} and {$450.00} on XXXX month over month, but showing first delinquent date as XX/XX/XXXX on Experian with {$450.00} past due. Please remove as they are not updating this file to report accurate information to the other bureaus. 

Fair Collections & outsourcing XXXX was not properly investigated and shows date of delinquency as XX/XX/XXXX on XXXX but reporting XX/XX/XXXX on Experian. please remove this file as it is reporting different information on different bureaus further damaging my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PREVIOUSLY REPORTED THIS ACCOUNT AS FRAUD/ IDENTITY THEFT. THIS ACCOUNT DOES NOT BELONG TO ME AND XXXX  IS THE ONLY BUREAU THAT HAS NOT REMOVED THIS ACCOUNT FROM MY CREDIT PROFILE
Product: Checking or savings account

Week of XX/XX/XXXX, Huntington Bank Froze closed my personal checking account and mailed out the proceeds without any notification. Then on XX/XX/XXXX, I went to the bank to deposit cash and cash a check and was told the joint checking account with spouse XXXX was frozen. I could not make deposits or withdraw funds. 
Account number ending in XXXX. 

Credit card payments and auto payments we made recently were rejected. I had been a fraud victim in late XXXX and reported the fraud to the bank, the police and other relevant parties. 

I asked the bank to keep our joint account open at least until my wife returned from an XXXX  trip to XXXX XXXX to no avail. I worked with XXXX XXXX ( financial Relationship Banker ) and she advocated for me along with the Bank Manager but their efforts were in vain. Finally late on XX/XX/XXXX, they allowed me to withdraw the cash remaining in my account. I would like the bank to compensate me for unfairly closing out account without notice. Rejecting payments we made and providing no advance notification. We have a mortgage with the bank, have had no previous issues. Their action seems unwarranted and discriminatory. You don't punish the crime victim.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was scammed a total of {$1300.00}. I had received a very convincing receipt from XXXX for {$500.00} regarding purchasing bitcoin. I called the customer support line to refute this charge. The number was XXXX. 

I was in a panic because this was a lot of money. The man on the other line who was very convincing as a customer service agent had claimed that the purchase came from Texas. To verify who I was and where I lived they wanted to verify my IP address. In doing so they told me to XXXX them and the money would come straight back. I was to XXXX XXXXXXXX XXXX  ( XXXX ) ( XXXX ) {$1300.00} who I believed to be the supervisor which would send right back. Again in a panic without thinking I sent the money to which it was never returned. 

I immediately went to my nearest Wells Fargo and explained the situation. We then made entirely new bank accounts for me but was told they were not able to cancel the transfer even though It was not even half an hour since the money was sent. 

XXXX would do nothing and claimed that my bank ( Wells Fargo XXXX had a chance of fixing this. 

This XXXX transfer happened under false pretenses and should not be considered valid. It's been a year later and I'm still trying to recover from this wrong that has been done to me. I don't understand why I've been refused justice and it's been incredibly disheartening that Wells Fargo has no sympathy for their clients who put in their trust and money which keeps them running. 

{$1300.00} may not seem like a lot of money to Wells Fargo but it is to many people. That amount of money can really help others like me. 

I plead my case that Wells Fargo does the right thing and consider my scam and making it right. Thank you for your time.
Product: Debt collection

There is collection on my report it was with XXXX XXXX but now XXXX XXXX XXXX has the account now
Product: Payday loan, title loan, or personal loan

My credit line amount is {$1400.00}. My original withdrawal was {$1400.00}. In XXXX of XXXX  my balance was {$1400.00}. The fees and biking charges are {$85.00} each bi-weekly period. According to the Truth in Lending act there needs to be a break down on the statement of the amount of interest you are charging. I see in the farms and conditions I am signing say billing cycle charge can not be waived. Credit Fresh is in violation of the Truth in Lending act by not having a proper break down of the total number of payments. The withdraws dont even show a date on the statement, annuals percentage rate, and security interest disclosures.

Credit fresh is using aggressive tactics and unfair loan termssuch as high interest rates and feesto take advantage of unsuspecting borrowers. Credit Fresh is going after the most vulnerable and least knowledgeable borrowers Regulation Z is a Federal Reserve Board rule that requires lenders to give you the true cost of credit in writing before you borrow. That includes spelling out the amount of money loaned, the interest rate, APR, finance charges, fees and length of loan terms. An unlawful loan may also be some form of credit or loan that disguises its true cost or fails to disclose relevant terms regarding the debt or information about the lender. This sort of loan is in violation of the Truth in Lending Act ( TILA ).

My complaint is that it is taking advantage of me if my new credit balance is {$1500.00}. My booking charges in two months amount of two {$420.00} and the credit amount to my actual balance is {$98.00}. That is a total of {$520.00} paid year to date with {$98.00} not yet posted to the account as of today XXXX XXXX Credit Fresh not providing proper breakdown of payment schedule, interest rates and fees enticed and misled into me taking out a loan that carries higher fees than my risk profile warrants or that I are unlikely to be able to pay back.
Product: Mortgage

I did not qualify for the loans, and they do do not give my earnest money back.

Like they have told me, if I do not qualify they will give back my earnest money.

But when I didnt not qualify, I asked for the earnest money back, they do not want to give it back.
Product: Credit card

XXXX credit card accounts I had with Chase are still being reported in error as charged off with a balance owed when in fact they have been canceled and I have already included the cancelled debt as income on my federal taxes and paid any taxes due on that income. 
I received XXXX XXXX forms along with form letter XX/XX/XXXX. The both XXXX has event code XXXX. According to the IRS, code XXXX is used to identify cancellation of debt as a result of a decision or policy of the creditor to discontinue collection activity and cancel the debt. The form letter states " We recently cancelled an unpaid debt on your account ''. 
To this date I have been unable to get Chase to update the information on the credit reports for XXXX, XXXX and XXXX. As a result of their inability to properly update my credit reports I have been denied a car loans.
Product: Credit card or prepaid card

I called in end of XXXX beginning of XXXX to apply for the Coronavirus help with the credit card and Capital one never had set it up and kept Charing me fees and late fees. The representative cant find anything on the program. This is such an inconvenience and I have got hit on my credit with late negatives. I never ever have late negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$6300.00} XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Product: Mortgage

Why is this company leaving me multiple voicemails in early XXXX? I'm not even late for this month. This is HARASSMENT!!!!!!!
Product: Consumer Loan

We purchased a 2014 XXXX. Later in that year, the wife and I were forced to retire, due to the funding expiring ( we both worked for the XXXX ). Completely unprepared to retire, we lost our home, and had to turn the car over to a XXXX, XXXX agency. Ally Bank got {$15000.00} at auction, we paid {$16000.00}. Ally insists we owe another {$8500.00} due to 5 yr payoff. We are paying {$50.00} a month to a collection agency. I am XXXX old..my wife is XXXX. In order to eliminate that debt, would we have to declare bankruptcy?
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I paid my bill for XX/XX/year> on time via thru there App connected to a debit card account, everything went fine. In XX/XX/year> I opened the APP to pay my bill, which was the entire balance of {$45.00}. and change and did as I always have done and after clicking submit payment a " Banner '' popped up from this Credit Card APP ( First Progress Card ) that stated payment received. My account should have been at XXXX. 

XXXX weeks later as I checked my credit reports as I always do this account then stated I owed some {$75.00} dollars! They added a late fee. 

I called the company and after my identity was verified, before I could say anything the rep stated, " We never attempted to take your payment! '' Clearly they jumped the XXXX and gave away the scam. They don't want my account paid off, they don't make money that way. 

I sent a letter, NO REPLY. 

I got a XXXX XXXX Money Order and sent the payment to them that way and followed that up with another phone call, They state they never received my letter or my XXXX XXXX payment of course they kept adding late fees. 

I then had to do a trace on the Money Order and it was not cashed. That took time and had to pay for the trace, I sent that info to to the company and of course this is the only company that mail just disappears when sent to them. 

This was a {$200.00} secured account. I had asked them repeatedly to verify that I agreed to pay an annual fee for this " SECURED '' account, they never replied. I don't remember signing up for this low level account and agreeing to pay a annual fee for? 

So now they have dinged all XXXX credit bureau files in my name and have added late fees to the account total of {$200.00} If payment was stated that it was not received because they had an internal, problem with there APP, how about a Phone Call? Text, email or letter? NOTHING .... 

This card is a scam. Please help me They have violated the XXXX XXXX XXXX that states anything mailed is considered received! They have violated the XXXX Fraud Act! They have violated the FCRA and as I have been XXXX for XXXX years they have violated all these things including my rights under the Americans with XXXX XXXX. 

To this day after every contact I have made and letter sent they have NOT RESPONDED AT ALL. 

Please help me