23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When using a Bank XXXX Texas XXXX credit card, I have had several fraudulent or unauthorized charges on it and have repeatedly contacted XXXX by phone, written correspondence and fax. I have told them specifically what charges are not mine. They have repeatedly asked for the same information already provided. The last phone contact was with them 2 weeks ago at XXXX XXXX XXXX XXXX option # XXXX when speaking with the " manager '' who said it would get it straightened out. Nothing has happened. I have alerts on my account for when charges are made and credits back to it. I have only gotten alerts for additional unauthorized charges. I stopped using the card since I had pain in full the charges I made. I have not received any credits to the card alerts. Please make them do what they are supposed to. Thank you. 
In addition to some of the e-mails sent back and forth, I have signed and returned by mail and fax, all the documents they sent me to get this done. They keep saying they did n't get them, etc. when I faxed them and have spoken on the phone to them about them. 

On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : The following charges do n't belong to me XXXX {$17.00} XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$2.00} XXXX XXXX XXXX {$27.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1.00} XXXX XXXX Please credit these unauthorized charges. 

On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : XXXX XXXX XXXX for {$38.00} - XXXX charges should be credited. 

XXXX XXXX Storage- $ XXXX charged. Already paid XXXX. Sent this info. to you before. 

Thanks. 
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX at XXXX the following message was sent : This transaction is not an authorized transaction. Please credit this charge. 
Thank you. 

XXXX/XXXX/XXXX AUTH : XXXX *XXXX {$17.00} On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : I thought you said you already stopped this unauthorized charge. It looks like you have n't done anything on the unauthorized charges with the information and completed form I sent you weeks ago. 
Please note I will not be paying any more credit card bills in full and waiting for you to do your job of removing the unauthorized charges. And, I have stopped using this card and wo n't resume unless and until you have corrected the balance. 
If I need to contact Bank XXXX Texas to get you to do your job, I will. 
As I have repeatedly told you, if you need more information call me. 
XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX CA {$17.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUFAX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX  XXXX Account Info Hover over labels for more details Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} EQUIFAX XXXX Account Info Hover over labels for more details Account XXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} XXXX XXXX XXXX Account Info Hover over labels for more details Account XXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX  : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  - XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX - XXXX   XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX
Product: Debt collection

I do not believe the debt that is reporting on my credit report is valid. 
LVNV funding is listed on my account for $ XXXXand as open. 
XXXX XXXX  is listed for {$640.00} and is listed as open.
Product: Credit reporting or other personal consumer reports

Experian sends all these notifications to view your disputes but you really can't To anyone reading this, EXPERIAN DOSE THIS ON PURPOSE TO USE AGAINST YOU IN COURT BY SAYING THEY KEPT IN CONTACT AND HELPED YOU, WE ALL KNOW THIS IS A LIE AND WE KNOW THEE PERSON YOUR SPEAKING TO CANT HELP YOU WHAT SO EVER EXCEPT FOR SAY " ESCALATION '' WHICH MEANS ABSOLUTELY NOTHING, DONT FALL FOR THIS TRICK AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

Shellpoint Mortgage Servicing handles my 2nd mortgage payment of {$140.00}. I called them XX/XX/XXXX to inform them that I had overpaid this debt and wanted to settle it as " Paid In Full ''. The reason for the call was that I no longer had income and had lost my employment on XX/XX/XXXX. Between the XX/XX/XXXX and XX/XX/XXXX, I took the time to read over the Servicing agreement I had established with XXXX in XX/XX/XXXX. Upon adding up the total payments, they totaled over {$23000.00}. The original note was {$15000.00}. XX/XX/XXXX, XXXX modified the loan and reduced the payments from {$200.00} to {$140.00}. Following that reduction, I filed Chapter XXXX and DID NOT include XXXX in the bankruptcy. The XXXX debt was " Reaffirmed '' ( XX/XX/XXXX ) since I wanted to keep my primary resident. The {$140.00} was made to XXXX until XX/XX/XXXX. At that time, I received a letter dated XX/XX/XXXX stating that the Servicing has been transferred from XXXX to XXXX XXXX  XXXX. XXXX is Shellpoint Mortgage Servicing. The notice also stated " The transfer, assignment or sale did not affect the terms '' According to Shellpoint, I owe {$7200.00}. Upon the transfer, Shellpoint claims the balance was {$13000.00}. From XX/XX/XXXX-XX/XX/XXXX, I paid {$200.00} monthly and most of that in a timely manner. {$6200.00} minimum. Of which I paid {$5100.00} of interest during that period. From XX/XX/XXXX til XXXX letter XX/XX/XXXX, I paid XXXX over {$10000.00} From XX/XX/XXXX til XX/XX/XXXX, I 've paid XXXX/Shellpoint over {$6100.00}. If you include the Originating date XX/XX/XXXX-XX/XX/XXXX, that 's another {$6200.00} to add. Total payments to XXXX/Shellpoint. {$23000.00}. This amount does not include payments above the minimum required. Please note : This loan was modified to zero ( 0 ) interest. Also, in my research, I 've found that there is a class action suit against Shellpoint for this same issue of collecting more than what 's due. Shellpoint sent a letter dated XX/XX/XXXX after I ask for a payment history which stated I owe them {$7200.00}. Shellpoint keeps insisting that the loan was discharged through Chapter XXXX. Which is not true. This loan was " ReAffirmed ''. Because it was modified before I filed Chapter XXXX. Upon calling Shellpoint, they insist that the payments went to Bankruptcy court and I continue to tell them " You do n't make payments to court under a ChapterXXXX. ''
Product: Checking or savings account

On XX/XX/2018 I sent a Lease payment to my landlord via XXXX quick pay service by Chase bank account using the payee 's phone number associated with his account for the amount os {$1200.00}. 
The payment went true according to the bank records but on the 11 day my landlord contacted me asking why my payment haven't been sent, I inquired with Chase and they stated that the funds were taken but my landlord denied receiving any, we contacted XXXX customer service they sent us to complain with Chase bank, whom told us to check back with XXXX, they said that the funds were somewhere on XXXX  XXXX XXXX and we needed to file a claim with XXXX.whom sent us back to Chase bank since the transaction were originated within. 
we ended up paying double on our lease plus a late fee of {$100.00} a day from the XX/XX/XXXXday of the month to the XX/XX/XXXX day equals {$600.00} totaling {$1800.00} Dls So far it has been 3 months and this issue still haven't been resolved from neither part for them the issue has been resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA 1

5 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and the credit reporting agencies havent notated is as disputed. They cause me to loose out on offers due to reporting negative inaccurate items and not notating it was disputed. I sent them multiple of letters concerning my credit reports. As a consumer it is my right for them to follow FCRA laws.
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide me with the following information to validate the debt : 1. The amount of the debt 2. The name and address of the original creditor 3. A detailed description of the debt 4. Any relevant documentation supporting the debt 5. Proof of ownership or assignment of the debt e all collection activities, including any reporting to the credit bureaus, until the requested debt validation is provided. 
Furthermore, I have recently obtained a copy of my credit report, which revealed the presence of an account allegedly being collected by your agency. Upon careful review and analysis of the information provided, I have reason to believe that there are inaccuracies in the reporting of this debt. 
I request that you correct this inaccurate information and provide a corrected copy of my credit report. 
Please respond to this request within 30 days of receipt, as required by law. If I do not hear from you or if the debt is not validated, I will assume the debt is invalid and take further action to protect my credit and my rights as a consumer. 
Please communicate with me in writing only and provide all correspondence related to this matter via certified mail with a return receipt requested. This will ensure a documented record of our communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I notified Equifax that several of the accounts they were reporting on my credit report were subsequent to identify theft. I filed the appropriate police reports, an FTC Identity Theft Report, Identity Theft Affidavit, and multiple letters to the several alleged creditors. Equifax initially deleted this information but as of today ( XX/XX/2021 ), Equifax has put all these accounts back on my credit report well-knowing, and after having determined these accounts were fraudulent, and previously deleted them. Equifax allowed these to be placed the fraudulent accounts back on my credit report AFTER having deleted them for a month. I have tried following up with them to seek an explanation but Equifax is entirely unresponsive claiming that they are missing information despite the fact the I mailed everything to them and I have proof they received it because I mailed everything certified mailed return receipt requested.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against XXXX, XXXX and Equifax, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where all three companies listed : XXXX, XXXX and equifax has neither corrected nor removed or amend the disputed accounts, as their inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

**15 U.S. Code 1681m - Requirements on Users of Consumer Reports** This section requires companies to provide notice when adverse actions are taken based on information in a consumer report, which can include hard inquiries. It also mandates that companies certify the purpose for which they are obtaining the report. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to the following accounts reporting on credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened an account with BMO. Paid all my bills early. They added payments only to certain months and then reported it 60 days late and when I sent a form and they admitted it was paid early, then reported it 30 days late. 

Please help us get this corrected.
Product: Mortgage

In XXXX I approached another lending company to refinance my mortgage from Ocwen to XXXX XXXX XXXX XXXX. Unfortunately due to my loan to value I was unable to refinance my balloon out from under Ocwen. I was referred to XXXX XXXX XXXX XXXX XXXX to gain some assistance in a possible modification program. I completed the paperwork on time, as requested by Ocwen and received the trail plan program information shortly thereafter. The trail plan program required that I make XXXX monthly payments of {$300.00}. As recommended by Ocwen, those payments were wired every month on time. After the XXXX payment was made I received the modification agreement and a new maturity date of 20 years with a payment due of {$300.00} every month. The modification program has been in place since XXXX XXXX. Every month I wire my payment on time for the exact amount as state in the modification agreement. In XXXX XXXX, I received my XXXX past due notice stating that I owed Ocwen {$1000.00}. I immediately got on the phone and after being placed on hold for a while we were told they would have to call back, but they were looking into it. We were never called back. The XXXX time we called we got a supervisor who was able to determine that something had went wrong in the modification process on their end and funds were charged to the loan in error and my payment was held in unapplied. XXXX XXXX, a supervisor with Ocwen, assured me they would have the problem fixed and I would receive no more letters. Unfortunately that was not the case. I have still continued to receive letters stating my loan is past due and could result in my home being taken from me. Every time I call I get the same answer, we are so sorry this has happened, but no one seems to be doing anything to resolve it other than offer an apology. To make matters worse, they reported my mortgage late in XXXX and XXXX on my credit report. I have never had a late payment on my mortgage since I financed the property since XXXX. Now my credit is damaged for no reason. I hate to file a complaint, but this is getting very frustrating and I hate the thought of Ocwen doing this to other people. Please help me get this problem resolved with Ocwen. I refuse to spend anymore of my time holding on the phone while someone looks into a problem that no one at Ocwen seems to care to fix.
Product: Vehicle loan or lease

I attempted at least 3 times from XX/XX/2018 to XX/XX/2018 to work with the company BBVA compass to lower payments, extend the loan or in some way help me so I don't loose the car. I am continually told that my account is to new and they can't do anything for me. I send what money I can but they still are not happy with anything I have attempted. Also when I try to call I'm am waiting for hours.
Product: Credit card or prepaid card

During 2018 I had two unexpected life events. The first one was the sickness and later dead of my father, unfortunately he was diagnosticated with XXXX XXXX, his sickness impacted the household income, I didnt expected the situation where my full income went straight to my family basics needs when I applied for this credit card.

To make the everything worse I was impacted by the destructive wildfires across all California in 2018, I was impacted because the wildfires prevent the company to continue working so work was stopped by week and at some point inconsistent, as result of the wildfires my income was reduced for less than the half but was a disaster out of my control.

With my father in the hospital I was paying all the basic life bills and expenses as food, electricity, rent, etc. with a reduced income. With the time my father passed away, but then I had to get enough money to pay a funeral.

From someway or other I made some payments, but not in the right time due to those catastrophic events ( My father sickness and later dead and the 2018 wildfires season in California ) out of my control, Life happens. As results of all these my credit history was destroyed, I called Capital One to ask for a relief or forgiveness with the late payments on my credit report history, but they were unable work on it, even when the 2018 Wildfires in California were National Emergency. I am not asking for a forgiveness in money because I already paid in full the balance owned to Capital One, I am just asking to delete or remove the late payments in my credit report history, the creditor should provide a relief due to Catastrophic and National Emergencies like this.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesnt belong to me and need to be removed. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 Stated that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX XXXX. and said it was assigned to Capio address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX sent me a letter on XX/XX/XXXX said they were collecting medical debt for XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$830.00}. The letter was dated XX/XX/XXXX and said I need to respond by XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. I responded with a debt dispute letter I sent this out on XX/XX/XXXX certified with return signature they received the letter XX/XX/XXXX I have received the card back with a XXXX signature on it. I checked my credit report and they reported it again XXXXthe day after they received my dispute letter. On XX/XX/XXXX they received it they sent me out another letter from XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX but this time with the name XXXX XXXX XXXX XXXX XXXX XXXX. but this time saying I owe {$190.00}. It's the same company but they are just putting different company names on the letter head, and they are trying to scare people into paying them I asked them to Cease and Desist until they sent me proof the debt belong to me and if they can legally collect debt in the state if Michigan then they just put a lawyer 's name on the letter. None of the account numbers are mine nor service dates nor amounts they say I owe. One on the service date on both sheets are for XX/XX/XXXX XXXX in the amount of {$57.00} and then the other for {$45.00}. I have never been to the doctor or hospital twice in one day. Plus, I have 2 insurances and have had for about 5 years, and I don't have co-pays, and anything not covered would come directly off of my FSA account. I do not have or ever had an account or signed or signed up for anything with this company.
Product: Credit reporting

I 'm sick of my credit score changing with each company. Tons of wrong info. Names dates chargers. I want it cleared would love to see a accurate report.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I found inaccurate accounts listed, and I don't understand how they appeared. I regularly review my report, but this time I discovered unexpected discrepancies. I attempted to refresh the page, assuming it might be a system error, but the inaccuracies persisted. As a result, I am requesting a detailed review of the submitted documents to ensure this issue is permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 have 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 States consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of crimes which antedates the report 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 the information is inaccurate.
Product: Debt collection

I have received 4 unsolicited emails on ( XXXX ) and have received absolutely XXXX FORMAL WRITTEN NOTICES sent to my home address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX for an erroneous amount owed to this company called True Accord that they have claimed to be collecting in regards to a XXXX XXXX. 
I have received XXXX FORMAL WRITING to my current home address in regards to an attempt to collect a debt, ownership or validation of this debt with my original wet signature and any proper investigation of this debt. 

I want this account deleted from my all my credit report, NO ELECTRONIC CORRESPONDENCE ONLY US MAIL, I request an IMMEDIATE CEASE AND DESIST ON THIS DEBT, a proper and thorough investigation for ownership of this debt I request an IMMEDIATE CEASE AND DESIST ON THIS DEBT, a proper and thorough investigation for ownership of this debt, the original contract with my WET SIGNATURE, and an itemized receipt of the account for these alleged charges of the debt.