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

To Whom It May Concern : My name is XXXX XXXX, and I am writing you today because I would like to submit a complaint to address what I believe are discrepancies on my credit report. In preparation to purchase a new home in the future, I obtained my credit report and noticed several accounts that are of concern require attention. I hope to gain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the correctness of some of the accounts that reviewed and I am not entirely convinced that all the information within these reporting accounts is true. According to the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is precise. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights : 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  Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy.

Title 15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent to do so.

Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile. 
Should you initiate an investigation it will be very much appreciated. I understand that a thorough investigation takes a period of fifteen days for completion. After the investigation has begun and has been completed, please remove the accounts with discrepancies in direct violation of the Fair Credit Reporting Act. I would also like to formally request a report of your findings and what representatives had access to my personal information while the investigation commenced. 
Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

MY COMPLAINT IS AGAINST CAPITALONE, XXXX XXXX XXXX XXXX XXXX,VA. XXXX XXXX   PHONE.   I PURCHASED VIA INTERNET FROM XXXX FLEA/TICK TREATMENTS FOR MY CATS-XXXX  AND XXXX, ON XX/XX/20 FOR $XXXX USING CAPITAL ONE'S CREDIT CARD ENDINGXXXX. I CALLED XXXX  TO DETERMINE DELIVERY TIME. LADY I SPOKE TO SAID BECAUSE OF COVID19 WILL TAKE A LITTLE LONGER. IT IS NOW XX/XX/2020. NO DELIVERY YET. PLACED 2ND CALLS ABOUT 12-15 DAYS LATER. NO LONGER ANSWER PHONE IN XXXX BUT THE XX/XX/XXXX.TOLD ME THEY COULD NOT HELP ME. 3RD CALL TO XX/XX/XXXXAGAIN SAME RESPONCE. STARTING AROUND XX/XX/XXXX THRU XX/XX/XXXX I HAVE CALLED CAPITAL ONE AT LEAST A DOZEN TIMES AND PROBABLY MORE TIMES. TRIED ALL THE NUMBERS I COULD FIND. ' IT IS MY BELIEF CAP1 IS USING COVID19 TO MAKE THEIR CUSTOMER SERVICE EXPERIENCE 100 TIMES WORSE THAN USUAL.!!' TO SAVE MONEY.  ONLY WANT TO DISPUTE THE CHARGE AND GET MY MONEY BACK FROM XXXX. THANK YOU XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXX I paid XXXX XXXX to fix my Credit XXXX  and it was never fix I was making payments every month and nothing changed
Product: Debt collection

I keep receiving notices from debt recovery solutions with harassing phone calls wanting to know my social security number and that I can be arrested. I have turned this spam fake company over several times for the same issues. This is not a debt that I owe and was part of a fraud. I lived in WA state for over 11 years and never received a debt from the company mentioned. I am again for the 5th time complaining about this company again. I do not want to see this fake debt on my credit report. Please act with aggressive behavior and ceased and decased this company to no longer sent me or call me regarding this debt
Product: Checking or savings account

Accounts ending in XXXX and XXXX are checking accounts and I also had a savings account with them, but I dont know the account number. 

Along with everything that I have previously stated in prior complaints, ally bank has had me on and off of account restriction for two months. This last time was the longest stretch of almost a month. I was calling them everyday to check progress of my disputes, and was assured that as soon as the investigation ended I would have access to my account again. That never happened. The last time I called I was told that they were closing all my accounts and sending me a check of my balance. They also informed me and I all the disputes filed were denied. The letter about all of them being denied stated that I could call and receive further and a more detailed response or explanation but when I called I asked the CSR for that explanation and she just kept repeating herself and saying that that was what their investigation had concluded and thats it. 
The disputes I filed ranged from XX/XX/XXXX to XX/XX/XXXX and none of which were made by me nor did I know about them being made. This is completely unfair. I feel like Im being treated like a liar. If someone was to do an actual investigation they would see that I clearly did not make any of the disputed transactions and I should be credited the money back that was stolen from me, yet, here we are. 


Note : I also filed a police report with my local police department and they are also investigating. Problem is, they wanted my ally bank statement and being as I am always locked out of my account and now that its closed, I could not provide the police with that bank statement.
Product: Credit card or prepaid card

This is from me talking to Continental Finance in XX/XX/2019 I asked how much to close out my Credit Card in full I was told I needed to pay {$320.00} which I paid. My monthly payments where {$35.00} which I did make a online payment of {$38.00} which would have went towards my monthly statement not according to them. I was told over and over my account was closed and paid off this is XX/XX/2019 they're now telling I owe them {$38.00} with monthly maintenance fees which {$170.00} they said was reversed they've been lying since I paid off the card in XXXX. A supervisor told me what happened apologized for my inconvenience and told me everything would be reversed nothing to worry about call back in 3 business days to make sure I was at a XXXX balance. I called back 3 days later to find out I have a charge of {$50.00} {$38.00} returned check 12 maintence feel I saw no reason after I already paid {$320.00} to pay off my card and multiple people in that company telling me I was paid in full and as I paid my matrix card off I was told I wouldn't inquire any fees which was another lie. And my is jacked up due to XXXX XXXX and their thieving ways. I read the reviews on company and their horrible. Idk what to bcuz I feel like when you're thinking your in the clear they come with outrageous fees quote.
Product: Checking or savings account

On XX/XX/year> {$530.00} was taken out of my account from a company called XXXX XXXX XXXX apparently it was for XXXX XXXX for my XXXX XXXX but I applied for FASA and student aid so I would have to pay them for my loans not this company and I know this because I called my XXXX XXXX XXXX  and they approved that they did not know this company and its intention and did not hire them to do this. I did not authorize this purchase what so ever and changed my bank account number so they would not be able to charge me and they still charged me.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( B ) regarding the previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There are several fraudulent accounts were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX ) because I have no knowledge about these accounts. They are fraudulent accounts.
Product: Mortgage

My loan was transferred to Rocket Mortgage to service recently. 

I have told them numerous times that I do not wish to receive calls or emails regarding refinancing or anything that is not related to simply just servicing my mortgage. Including the attached email sent on XX/XX/2022. 

Today in the morning, XX/XX/2022 at XXXX I received yet another call to talk to me about " making sure I am paying the right amount '' on the mortgage. 

This is infuriating, not because of the call calling, but because as consumer advocate it is clear as day to me that the reason why Rocket Mortgage is is servicing this account is to gain consumer data and increase the ability to target people to refinance. This should not be right, mortgage services should not use the personal information of the newly acquired borrower to simply try to sell them a new loan. 

I would like these calls and these promotional emails to STOP. 

Thanks for your time.
Product: Debt collection

Summer of 2021 i was looking to consolidate my debt and found Freedom Debt Relief @ XXXX. I was advised that I didn't qualify for a consolidation loan, but that they would get my creditors to accept lower payments and settle my balances. I had to start with agreeing to a {$430.00} per mos payment to FDR. This was automatically deducted from my bank account. Very slowly I started receiving notices of creditors settling for a lesser amount and I was to approve it. This went on for over a year, I would receive notices that accounts had been paid off out of the funds I was paying. To move this along, I received notice that all of my accounts had been settled. Now, I qualify for this loan to pay off my debt to ACHIEVE, XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The loan is for thousands more than my debt ever was, they are taking payments over {$100.00} more a month at a crazy interest rate. Now, after I received notice that ALL my creditors had settled i receive a demand letter from the Credit Union I owe the largest amount to. Not, just once. But twice same letter a month apart. I have reached out XXXX Achieve several times by phone and email without a valid response to my question of why am I receiving a demand letter for an account I am paying on???
Product: Student loan

To whom it may concern : I co-signed on a XXXX XXXX and XXXX in which payments were to begin payment XX/XX/XXXX XXXX Navient ). The borrower and I filed bankruptcy ealier in XX/XX/XXXX ( When we filed we were informed student loans could not be included in the bankruptcy. The borrower had the loan in forbearance which was to end XX/XX/XXXX. He tried to make a payment and the Navient website would not accept the payment until the forbearance was complete. A payment was tried again on the navient website on XX/XX/XXXX. it would not accept payment again because Navient had put the loan in administrative forbearance. The orginal loan amount was {$15000.00}. The loan amount as of XX/XX/XXXX is {$28000.00} dut to interest. While Navient has put this loan in forbearance without my or the cosigners permission interest continues to accrue and have negative impact on my credit report/score. On XX/XX/XXXX on a phone call with Navient they directed me to the following website ecf.txsb.uscourts.com. They stated this loan may have been placed in Administrative forbearance due to a pending lawsuit. I sent an email to an email address listed on this website ( XXXX ) on XX/XX/XXXX as Navient would give me no information on this lawsuit. The supervisor from Navient stated they could give me no information on this lawsuit. She also state an email was sent in XX/XX/XXXX ; when I go back in my records there is no email from Navient in XXXX of XXXX. I am just trying to get my name off of this student loan and XXXX of Navient 's stipulations for a co-signer release is the Primary borrower needs to make XXXX consecutive payments. This makes it difficult to make 12 monthly payments if Navient has the loan in Administrative Forbearance. Any guidance would be greatly appreciated. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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.
Product: Mortgage

Wells fargo bank / mortgages, have deliberatly refused to answer any of my questions about no1 Fraudulent forclosure, no2 no missed paymants, no3 acount in credit {$1000.00} {$5000.00} in escrow, insurance damage check {$2500.00} total {$8500.00} no 4, forced home owners insurance at XXXXtimes amount, no5 altering documants, perjury committed, no 6 house sold to third party then resold within XXXX days $ XXXX more, no XXXX predatory lending stole property, with XXXX % equity over $ XXXX stolen no7,, miss sold pickapaymant mortgage no8 FHA insurance fraud, XXXX cfpb cases to date with wells fargo bank, all these qestions have supreme court and county court orders for compensation, cfpb why are applying zones when wells fargo bank has decieved the consumer, why are you saying people are protected why, i requested your help in XX/XX/XXXX and you did nothing and i lost my home in XXXX XXXX to fraud and you did nothing about it then Now XX/XX/XXXX and more complaints to you all i see is are fineing wells fargo bank, and not passing on any compensation monies you are working for wells fargo you can say you won this and that no money has changed hands. also no 8 croocked judge XXXX XXXX XXXX county court in Cahoots with wells fargo, also atterney for the bank handbook how to fradulently print and copy documants forgerys this bank is sham it should be shutt down
Product: Credit reporting or other personal consumer reports

I requested that my personal information be updated with XXXX, XXXX and TransUnion. To this date there is still information on my report that is not accurate.
Product: Mortgage

I have faxed in two requests and mailed two separate letters to SLS regarding the removal of PMI from my account. I have not received any type of response. CFPB complaints seem to be the only want this company responds to basic service requests. 

No house in my neighborhood has sold for under {$230000.00} in the last 24 months. REMOVE PMI FROM THIS ACCOUNT. Run a brokers price opinion if needed - you will see the increased value and the recent sold him prices. 

Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00}
Product: Checking or savings account

Earlier this year, I complained to your agency about bank of America, even though I didn't owe money they put my name in chex system for no reason except discrimination. Your agency contacted BoA and they were supposed to take my name off XXXX  after talking with me and you again. I recently tried to open an account and was denied, because BoA never followed through with removing my name. I am calling this pure discrimination. BoA knows I'm a XXXX XXXX, and that is what their discriminating against me for. They are playing with my life with their ignorance. I would like to press charges and file discrimination lawsuit. Please direct me in the proper direction for that and please what ever you can do to assist me would be very appreciative. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Bankruptcy Date Filed : XX/XX/2020 XXXX  XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

There are several acct on XXXX report that need to be removed if not updated. Several accts have been paid as agreed and removed from Equifax or XXXX.
Product: Debt collection

I AM HAVING ON-GOING FINANCIAL MISMANAGEMENT OF MORTGAGE PAYMENT PROBLEMS. FIRST WITH OCWEN LOAN SERVICING, LLC THEN WITH PHH MORTGAGE SERVICES WHICH MERGED WITH OCWEN LOAN SERVICES @ XXXX, XXXXBOTH COMPANIES ARE GUILTY OF TAKING ANY ADDITIONAL FINANCIAL PAYMENTS THAT I MADE EACH MONTH OF MONIES THAT WERE MORE THAN THE REQUIRED MONTHLY PAYMENT WHICH I HAVE CONSTANTLY INDICATED TO BE PAID ON THE DEFERRED PRINCIPAL BALANCE OF {$73000.00} ( A BALLOON PAYMENT ) THAT I BEGAN PAYING ON IN XXXX SO THAT I WOULDN'T HAVE TO PAY A LUMP SUM OF {$73000.00} ONCE THE REGULAR PRINCIPAL MORTGAGE WAS PAID. INSTEAD, FIRST, THIS CONSTANTLY TOOK PLACE WITH OCWEN LOAN SERVICING, LLC. THEN, WITH THE MERGER OF OR A PURCHASE DEAL BETWEEN OCWEN AND PHH MORTGAGE SERVICES IN XXXX OF XXXX THE FRAUDULENT PRACTICE OF FINANCIAL EXTORTION HAS CONTINUED OF IGNORING MY STATING IN WRITING WHERE I WANT EXTRA FINANCIAL PAYMENTS TO GO WHICH WAS ON THE DEFERRED PRINCIPLE, AND BOTH OCWEN AND PHH PUTING THE EXTRA MONIES WHERE THEY CHOSE TO OR WANTED TO AS EXTRA MONTHLY PRINCIPAL PAYMENTS AND EVEN AS AN ADDITIONAL ESCROW PAYMENT. I HAVE CONSTANTLY BEEN GIVE " LIP SERVICE '' APOLOGIES AND FALSE PROMISES, EACH AND EVERY TIME THAT I HAVE CONTACTED THEIR CUSTOMER SERVICE DEPT. AND/OR ESCULATION MANAGER DEPT ONLY TO HAVE THE FRAUDULENT EXTORTION AND PRACTICE TO CONTINUE TO THIS DAY. PHH CONTINUES TO MAIL ME MONTHLY STATEMENTS WITH INCORRECT FINANCIAL INFORMATION AND FINANCIAL ACTIVITY. I HAVE EXTENSIVE, DETAILED HARD COPY WRITTEN AND PRINTED INFORMATION THAT SHOWS THE ON-GOING PRACTICE OF FINANCIAL EXTORTION BY OCWEN FROM XXXX THRU XXXX BEFORE THE MERGER WITH PHH MORTGAGE SERVICES AS WELL AS HARD COPY RECORDS FROM XXXX, XXXX TO THE PRESENT BY PHH.BY THEIR CASHING DEPARTMENTS IGNORING MY WRITTEN AND PRINTED INSTRUCTIONS OF WHAT WAS TO BE PAID WITH MY EXTRA MONIES ON-LINE AS WELL AS IN WRITING ON THE MAILED MONTHLY PAYMENT COUPONS AND IN WRITING ON MY CHECKS.THAT ARE ATTACHED TO THE MONTHLY PAYMENT COUPONS..
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, my husband visited Fifth Third Bank at a branch location to inquire about a home improvement loan. ( They currently hold our mortgage ). We have not yet decided that we want to get one ; he was looking for basic information to inform our decision on whether or not to apply for one or to finance another way. 
The bank ran my credit ( hard inquiry ). I did not give my permission for that action whatsoever, and my husband was unaware they planned to do so.
Product: Credit reporting or other personal consumer reports

I contacted XXXX numerous of times. I had late payments reporting and they told me to provide medical documentation. I provided the documents and a supervisor stated the amount of hours I was in the emergency room. I was out of work and provided my discharge papers as they requested. 

They are trying to retaliate by not removing the incorrect kickoff accounts. The supervisor listed several reasons of why they will not remove the accounts. They stated someone else called on my account and it was my wife. Then they stated I filed a dispute with the credit bureaus. 

In all XXXX credit reports the kickoff accounts are all reporting incorrectly. Account status, date opened, payment status, and date of last payments are showing different. 

Both of my accounts they are reporting to the credit bureaus are paid and closed. I was experiencing a hardship at the time the late payments were reported. I'm in the process of purchasing my home and this credit building account is the reason why I can't move forwards. XXXX are being very insensitive. If I can't purchase my home home my family will be homeless. My closing date is next week and if the XXXX accounts aren't removed they will suspend my contract. 

I will attach proof of the credit reports reporting inaccurately, medical documentation, emails from kickoff showing retaliation.