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

On XX/XX/XXXX I made my normal payment of {$1000.00}. My mortgage payment had increased to {$1100.00}. I had no previous knowledge of the increase either electronically nor through regular mail service. The normal payment was received on XX/XX/XXXX but was not applied to my mortgage payment due to the {$100.00} that was short. I received a letter dtd XX/XX/XXXX stating my mortgage was in in default. They held my payment for the entire month of XX/XX/XXXX and would not post it until they received the full balance ( of which I was unaware until the letter ). I quickly made the payment and adjusted my monthly payments. On XX/XX/XXXX I received a email from XXXX stating my credit score had dropped. I went to the website and found out the mortgage company had reported a missed mortgage payment which in turn dropped my score 90 points. Point one : I never missed a payment, they had it all along. Point two : if my score had not been excellent, this would have dropped me into the fair to poor credit range. Point three : if I  had needed to purchase something on credit I would have been forced into a higher interest rate due to Mr Cooper 's misleading information. If they did this to me what are they doing to others with less credit scores. This provides markets to capitalize with higher interest rates forced onto consumers. From the time I purchased this house I have never been late nor missed a payment. This was an error on their part and I refuse to stand by and be manipulated and I do not want to see this happen to hundreds or thousands of other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XX/XX/XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Bank account or service

This is a formal complaint and request for investigation into the retaliation and unfair business practices of both Bank of America and XXXX. 

I filed complaints against both of these banks for egregiously excessive bank fees and charges related to unfair credit card charge backs on my business account experienced from unscrupulous ex law firm clients and wherein our previous merchant service " XXXX XXXX '' " shot first and asked questions later '' and withdrew large amounts of money from our account and then maintained their illegal and unethical policy of " holding my funds '' for 90 days or more, even if we provided XXXX XXXX proof of credit card authorization and permission and signatures from those clients. 

Those clients may not have liked the work, or liked our final billing invoices, but they certainly authorized such payments. 

After these unlawful charge backs our bank accounts were negative for 90 days, and every single XXXX placed in these accounts were sucked into XXXX theft. 

Meanwhile all automatic ACH Payments and checks already submitted were denied and humongous fees as high as {$170.00} were assessed by these banks for each failed ACH transaction. 

To make matters worse even though I called in to put stop payments on checks and even to remove automatic ACH transactions for insurance, advertising etc, these banks refused to heed or listen to me and continued to assess these huge fees again and again, thus driving these accounts further into the negative. 

After I filed complaints with the XXXX and Consumer Financial Protection Bureau and other agencies, these XXXX banks responses were to close my accounts in a retaliatory fashion, " write off '' this manufactured and false " debt owed, '' and then forever BLACKLIST me and my law firm business ( using my social security or business tax ID number ) from ever opening up a bank account with them in the future. 

2 weeks ago I was denied a ban account opening at Bank of America in XXXX NJ because of this unfair " blacklisting. '' It seems that because I merely exercised my right as a taxpaying American who was victimized by these banks 's and merchant account behavior, coupled with the unfair and illegal methodology exhibited by XXXX XXXX XXXX XXXX ( another previous recipient of my complaints to the CFPB and XXXX, as well as a lawsuit which I won ), that I have been illegally and unlawfully BLACKLISTED and prevented from opening a bank account with these XXXX banks, as well as other banks, because they apparently share this false information against me, thus causing other banks to also deny me an account or give me trouble and difficulty if I do in fact manage to secure another bank account with a different bank. 

Please aggressively investigate, and advise. 

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

I reported all of these inquiries to the following Credit Reporting Agencies, XXXX XXXX and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report. 

However these Credit reporting bureaus have refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This company XXXX keeps putting derogatory information on my credit report. They say I have a past balance of {$160.00} I pay this account off on XX/XX/XXXX of XXXX. They updated it is paid now in XX/XX/XXXX they put that I have a past due of the same amount that I paid, this company is vicious. This company is malicious and the people working for this company. Do not know what theyre doing. Im gon na get a lawyer and sue you if you dont fix this I am very pleased with this company. Im reporting you to the XXXX XXXX XXXX.
Product: Checking or savings account

I contact you to help me get my money back from ally bank. they responded with a letter as you will see in case file. XXXX they said that irs said check are not valid they are. look at what XXXX  said. XXXX  is the VA XXXX XXXX XXXX. that as i live in XXXX. I am XXXXXXXX from the XXXXXXXXXXXX i get paid for XXXX XXXX 

I have the Email from XXXX of XXXX  to show ally bank has kept my funds. they cashed. checks cleared. 

No holds on checks. we had 2 hours phone. she seen they haver my money. 

so many phone calls. yelled at told to stop callimng ' " key line they said. IRS said checks no vaild. they calledd IRS? I am XXXX I want them to move my money to my XXXX XXXX account. ASAP before I go US embassy call FDIC fraud police.
Product: Debt collection

I contacted the furnisher of the debt. They told me they were going to provide me with information to validate my debt. What they sent me was not enough information it was nearly data. That's when I contacted the credit reporting agency and disputed the accounts via mail and online. I sent a letter that was delivered on XX/XX/XXXX via certified mail. The addresses that the CFPB has online as complaint addresses to the three main credit reporting agencies. I called XXXX to have them verify the information that they received in my letter. I was told it was not received and they also haven't given me any update about my online dispute. 


The tracking number for each letter is attached separately you can cross-reference the address and cities for the mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX XXXX XXXX as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do n't have a contract w ith Diversified Consultants or the original creditor nor did I receive a written notice of my rights to dispute this debt before it w as added to my credit reports. The law states that a creditor must send written notice of the debt that includes the amount of debt, the name of the original creditor to whom the debt is owed, and a statement describing my right to dispute the debt. I have no knowledge of this debt.
Product: Debt collection

Debt was result of someone getting cable in my name. Debt is not mine though I paid it to have it removed from my credit profile. I spoke with XXXX XXXX who said if taken care of if would be removed.
Product: Debt collection

I have a few debt 's that are under my name, all this happen during my military career and I was not aware of such things going on. I have been getting call 's about this, I told them all. It 's not me, I was oversea 's in XXXX or living in a different state during that time. I decided to get a credit report and XXXX, that 's when I seen all this identity theft and debts that are not mine. I even called some companies, provided my information and was told that they do n't have anything on my, but it shows in my credit report.
Product: Checking or savings account

opened new Chase checking account on XX/XX/XXXXXX/XX/2024..we deposited {$4500.00} to open account with and added more funds to pay credit cards and utility bills... 
Everything working OK... .And then on XX/XX/XXXX and XX/XX/XXXX we saw unathorized online debits to a XXXX ... .We called the Chase bank and reported the problem to there Fraud Dept ... .They said they would stop payments and issue reimbursement in 1-2 days a total of 94 small transactions totaling {$1900.00} was deducted from our checking account And now a week later we went to the Chase bank to check on our checking account and were told that no reimbursements were made because it went over there limits and they closed the Claim report ... ... We then took all our remaining funds out of the account and closed it too..we will be pursuing everything possible now to get our monies back .... 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Debt was paid off after contacted by recovery service which at the time offered payment just only principal balance rather than principal and interest also penalty. The settlement was paid off.
Product: Mortgage

Modification involvin g Ocwen and HAMP ; Submitted HAMP ap plication for Streamline Modification to  Ocwen Financial.  This initial package included at least one component of the Initial Package was faxed on  XXXX . Our Attorney submitted a request per the guideline in the Making Home Affordable Program Handbook for Servicers of Non-GSE Mortgages, Version  5.0  As if  XX/XX/XXXX  XXXX    XXXX   XXXX   XXXX  , Pg  71,   Borrowers in Bankruptcy.   Borrowers in active Chapter  XXXX  or Chapter  XXXX  bankruptcy cases are eligible for  HAMP  at the servicers discretion in accordance with investor guidelines, but servicers are not required to solicit these borrowers proactively for HAMP. Notwithstanding the foregoing, such borrowers must be considered for  HAMP  if the borrower, borrowers counsel or bankruptcy trustee submits a request to the Servicer.   In   XXXX   and because of the Chapter  XXXX  we were denied access to any workout with Ocwen. They refused to talk to me or transfer my calls, I was never instructed to submit a Attorne y Consent Letter  and was not advised that they did not have  one  on file.    Ocwen  has not given us clear information about the application other than it is in underwriting. We have been calling and contacting by email but  Ocwen  but there has not been cooperation in the past. Their attorney for   XXXX   XXXX   is involved in the process and insisted we give us Bankruptcy protections in order to have application for Modification processed.   Ocwen has improperly calculated our loan balances, we do not know if there are any misapplied borrower payments because we still have not received a statement. We do not know if the account balance is accurate amounts owed and information regarding how payments were received and applied.   We were not offered any   XXXX   Mortgage settlement offer for workout or modification. We did not and still have not received any statements. We wanted a modification in   XXXX  .   They left our loan sit our there so with no workout options and now threaten Foreclosure when we are nearly done with a 5 year Chapter  XXXX  plan. They are asking the Chapter  XXXX  case be dismissed.    Escrow  Account Mismanagement. The CFPB alleges that Ocwen mismanaged the our escrow account. They failed to correctly process escrow and insurance payments. We paid direct to the Insurance and they are still billing us in the escrow total. Escrow statement notates " FHA '' our loan is not an FHA.   We do not know what the Trustee payments were applied to.
Product: Student loan

Good Afternoon, I am a single parent of XXXX. I graduated from XXXX XXXX XXXX  in XXXX NC, on XX/XX/XXXX, then XXXX to XXXX ; I took 11 classes at XXXX XXXX  now -- XXXX XXXX XXXX XXXX NC, I have never been able to pay student loans after stopping classwork in XXXX, In XXXX student loan billings started to form, I could not pay and informed to deferment payments in which I have done since XXXX XXXX with XXXX XXXX XXXX I have written and sent in hardship documentation yearly and after I could not pay XXXX XXXX sent my loans to collection agencies, the list is below : All of these was listed on Chapter XXXX BK. 
1.XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX, WA XXXX {$10000.00} and # 2.XXXX XXXX is a registered Business operating as a Debt Collection Agency - # 3 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX - {$5900.00} # 4. XXXX XXXX XXXX / XXXXXXXX XXXX XXXX XXXX {$10000.00} # 5 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX {$46000.00}, # 6. XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, In the years,XXXX, A place called XXXX started sending me bills for SL. 
XXXX Bankruptcy case was entered with the above creditors listed and I was granted a special hardship XX/XX/XXXX, 4/5 years later another company XXXX, 5 years later now XXXX asking for {$94.00}, XXXX which has been granted with XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone hacked into a validated XXXX account of a friend of mine of XXXX  years. They made a post about selling a car, and while I was communicating with that person on the XXXX account, we agreed to a down payment of {$500.00}. They had me send that through Zelle. I received a text message from 'XXXX  ' that the payment did not go through and my account would be reimbursed. Now I know that was not a text from XXXX. Anyway, the funds never got reimbursed. As I looked into it, I figured out it was a scam. 

Anyway, I contacted the bank and provided information that I had, but they just said there was nothing they could do and took no action. From what I figure, they should have been able to track down the account and a person tied to that account. The phone number that was from Zelle ( XXXX ) XXXX. I still believe the bank would have the account it was transferred to, and the bank it was transferred to. Also, that bank account should have an owner. It just feels like the bank could have done more to help me other than say " There is nothing we can do about it ''. 

Zelle Transaction Number : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I didnt satisfy with the Venmos answer because they are still didnt respect me as a person and didnt let me know what are multiple concerns. Am I a criminal? I am not! 
The only reason they said is I registered another account which violated the terms. But I have said : I registered new account is because I forgot my password. And no one helped me with chat at night so I have to register an account. I always have limited access to use the second account and never used that for any chance. It is impossible for your guys say I have high risk to violate Venmos terms and community. I submitted my ID for verifying my XXXX account but I dont know why the link mixed and mixed. I have enough reason to approve I didnt violate the terms and I need my account activated. 

And : what is multiple high risks? Am I transfer XXXX dollars to someone? I didnt satisfy the answer they gave me and they just try to ban me as a criminal instead of a PERSON.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be REMOVED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 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 reporting or other personal consumer reports

I currently have a virtual XXXX credit card that was used in the past for a payment of a laptop. The account has been paid in full since XX/XX/XXXX. I have never been late with repaying the card. In fact, my account has never reflected any late payments until XX/XX/XXXX. These late payments currently reflect that they originated in XX/XX/XXXX and XX/XX/XXXX, but took XXXX  months before appearing on my account! When I inquired about these late payments, I was told that a new banking institution took over in XX/XX/XXXX from XXXX and now manages the accounts. I asked this new company to provide me with my transactions to show I was late in XXXX and XXXX XXXX  XXXX. They told me they could not provide any information to me because they have no history of the accounts prior to XX/XX/XXXX! In fact, they said that any history before XX/XX/XXXX should no longer be used on my credit report. 

This new banking institution that has taken over my account has blatantly falsified late payments on my account.
Product: Credit card or prepaid card

Citibank, I've been customer and have my card for over 7 years, never missed XXXX payment. Making more money, they reduced my line of credit. Not happy with that, and it is a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I had over draw protection XXXXautomatic payments come out, I call the bank to get a loan, they decline me over the phone XXXX to fix my acount, decline. I was in a car accedent XX/XX/17. Went in for XXXX My acount got over drawing, no help from the bank over draw fees over XXXX last year alone and closed my last week, now no way to pay my bills XXXX default services XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX XXXXoh XXXX XXXX oh XXXX
Product: Credit card or prepaid card

I applied for a credit card for Regions Bank. I have a credit score above XXXX. I have never defaulted on a card and never had a late payment. I own my home with no mortgage and I am not a financial or credit risk. I have outstanding. I am unclear why my credit limit is so low at {$1700.00}. I feel as though it is arbitrary based on my protected class because my credit history is impeccable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXXXXXX XXXX XXXXXXXX Balance {$78.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of specific information from my credit report, in accordance with the guidance from the Consumer Financial Protection Bureau ( CFPB ) and pursuant to Section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking, specifically debt bondage, which is clearly recognized under Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

Enclosed is a letter from an advocacy group assisting me in my recovery. Given the severity of my situation, I insist that you block and delete the following accounts from my credit reports with XXXX, XXXX, and Equifax within XXXX business days : XXXX. XXXX XXXX XXXX XXXX ( XXXX : {$6000.00} ) XXXX. XXXX XXXX " XXXX '' ( XXXX : {$3400.00} ) XXXX. XXXX  XXXX XXXX XXXX XXXX : {$9900.00} ) Failure to comply with this request promptly will result in further legal action.