23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I RECEIVED A TEXT MESSAGE FROM DIRECT EXPRESS AT PHONE # XXXX STATING THAT MY PIN NUMBER HAD BEEN CHANGED. 

FIRST OF ALL I NEVER RECEIVED A CARD FROM THEM. I AM WAITING ON A STIMULUS PAYMENT JUST LIKE EVERYONE ELSE. I HAVE HAD CHECKS STOLEN FROM ME IN THE PAST OUT OF THE MAIL AND I AM CONCERNED THAT THIS IS AN INDICATION A DEBIT CARD HAS BEEN STOLEN. 

I TRIED TO CONTACT DIRECT EXPRESS REPEATEDLY OVER THE PHONE TO NO AVAIL. I AM HOMELESS AND NEED MY STIMULUS MONEY. MY STIMULUS MONEY SHOULD NOT GO TO ANYONE ELSE PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been communicating with Carrington Mortgage about a mortgage assistance application since XX/XX/2022. Carrington Mortgage always made it seem like there something else that was needed in my mortgage assistance application. They would inform me to call them, however, the phone numbers listed are not working numbers. In XX/XX/2022, I started receiving notification about foreclosure options. When I emailed & called Carrington Mortgage, they would inform me those are standard notification and it doesn't mean anything. I continued to follow Carrington Mortgage guidelines of what I was informed, however, Carrington Mortgage processed my payments for amounts they knew were too high for me to afford. I called them immediately and ask for my options. The information I was told was to complete the Mortgage Assistance application again and let the underwriters fix everything. The action that Carrington Mortgage took was reporting " Default '' on my credit report for my mortgage, while I have my mortgage assistance package submitted to them to start making mortgage payments again. Carrington Mortgage seems as if they are mimicking the same actions negative actions they are in class action lawsuit of charging customers {$5.00} of servicing fees in online & phone payments. Carrington Mortgage representatives do not all have access to view attached documents but are allowed to provide information that is misleading since they all can't view attached documents.
Product: Debt collection

I simply asked on XXXX for them to send me an itemized list of every cent they are claiming I owe. They got very hostile and rude during the conversation. I made an offer and then began to think of the dates that they were telling me and the amount and viewed them as incorrect so I requested information. They are claiming I owe XXXX $ but I dont.
Product: Debt collection

I was recently notified on XX/XX/2023, by XXXX XXXX XXXX regarding a debt of {$710.00} owed to Mercantile Adjustment Bureau, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. I wish to dispute this charge because I am a victim of Identity theft and credit fraud. 

Please note that in XX/XX/2023, I enlisted the services of XXXX XXXX XXXX to assist me with the resolution of {$710.00} owe to XXXX XXXX XXXX. I was able to successfully have this charge removed as a debt collection and also have the three credit bureaus place a credit freeze on my accounts. The charge of XXXX reported by Mercantile Adjustment Bureau appears be the same charge. For the record, please note that I filed an identity theft report with the Federal Trade Commission on XX/XX/2023 regarding this matter with XXXX XXXX XXXX. 

I will be contacting XXXX XXXX XXXX once again to ensure this matter with Mercantile Adjustment Bureau is resolved in as soon possible. 

Please let me know if you require additional information. Thank you. 

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

In accordance with the Fair Credit Reporting Act : account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 15 USC1681 section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 2 states that a cosumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The collection agency Harris based in XXXX claims that I have an outstanding balance of XXXX dollars to XXXX XXXX XXXX. I called XXXX XXXX XXXX and there is no balance on my account. I had paid the amount in XXXX  2017
Product: Credit card or prepaid card

Amount : {$2000.00} Creditor : Capital One Transaction date : XX/XX/2019 Merchant : XXXX XXXX XXXX XXXX On XX/XX/2019 I was charged {$2000.00} for a hotel reservation that was canceled within the allowed grace period for a full refund. Capital One issued a temporary credit that was eventually rescinded without an explanation. 

I have attempted to resolve this issue with both the merchant and the card issuer. The merchant has directed me back to Capital One to resolve the matter. Capital One has never given me an explanation for this issue. I never stayed at this hotel not did I receive any services from the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they could remove these accounts from my credit report 1. XXXX XXXX acct # XXXX 2. XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 4. XXXX acct # XXXX
Product: Money transfer, virtual currency, or money service

I deposited money on XX/XX/XXXX The money was withdrawn from my bank account by Coinbase on XX/XX/XXXX. My money is still not available to me on Coinbase as oXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX  - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Product: Mortgage

I received a notice of property tax adjustment that adjusted my taxes lower from the amount that was quoted last year, XXXX. The property tax bill was $ XXXX dollars overall, but the company paid only {$2000.00}. This is because the company only paid half the summer tax payment that was due. The adjustment sent the tax bill lower because I am a owner-occupant that should've received a lower tax rate than the last homeowner, an LLC business. The city sent a tax adjustment letter showing the new tax bill of {$3000.00}, with {$1000.00} still owing, possibly reflecting interest charges. 

I am now severely short on my escrow account because the company recently sent me a check for {$1100.00} because they miscalculated my taxes. I worry I will be short again for XXXX taxes due this summer.
Product: Mortgage

During the coronavirus I barely can't pay my mortgage I've been laid off from the job and I've no source of income I would like to get waiver, like to know how
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$430.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$200.00}
Product: Checking or savings account

My XXXX account is set up on ACH payment. XXXX charged my checking account {$140.00} on XX/XX/19. My regular bill is {$71.00} on the XXXX each month. I contacted XXXX on XX/XX/19 to dispute this charge, which was double my regular bill. I recently moved and transferred my service to a new address. The XXXX employee I spoke with explained that ACH doesn't carry over for a transfer and they have to reestablish the ACH from the transfer. I told him that this was not explained when I transferred my service, and that even if it had, I would not have authorized XXXX to pull my XX/XX/19 and the XX/XX/19 bill together. The XX/XX/19 bill is not due for 3 weeks. I asked that they refund this portion of the bill. The employee was non-committal and told me he could escalate to a back office support team, but indicated it would be a number of business days before I heard anything. I asked to speak to a supervisor. The supervisor was also non-committal and advised he would escalate the matter to back office support who has ultimate approval on this, that he had no authorization to put the money back in my account. He said there was no way to transfer me to speak with the back office team directly either, or anyone who had authority to resolve this matter. At best, he advised that IF the refund was authorized, it would be sent via check and take up to 5 business days for authorization. I told him that the timeline, the lack of urgency, and the non-commitment from XXXX were all not acceptable to me as this was an ACH that was not authorized. He indicated I could seek resolution via my bank as well, and I advised I would do that. I attempted to dispute the transaction with my bank ( Simple Bank ), but received a message that disputing the transaction was not possible.
Product: Credit card or prepaid card

CapitalOne sent me a firm offer of a credit card despite myself being on the FCRA permanent opt out. This has happened several times before and has been reported previously. Clearly they are not be properly checking against the opt out registry.
Product: Debt collection

Paypal XXXX XXXX has continued to call my workplace and harass me AFTER I have specifically told them to DO NOT CALL MY EMPLOYEE ever again! Our receptionist is also a witness that they continue to call and this needs to stop. It is very disruptive to my job and against our company policy!
Product: Mortgage

My loan file has issues with dual tracking, mal practice and employee incompetency. I submitted my file to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for review for a possible loan modification, sometime inXX/XX/XXXX. It takes this servicer such a long time to acknowledge reciept of submitted documents. Finally onXX/XX/XXXX my servicer deemed my to be complete and sent me letter that it would take them 30 days from then for me a response. XXXX does not follow the legal preoceedures, but rather has its own timeline during the foreclosure review process. OnXX/XX/XXXX, I  was so furious about the delay and misinformation, talked to an employee, who could not explain what was going on, even after consulting with their supervisor. I followed up with XXXX on XX/XX/XXXX, the loan counselor rep informed me that, " on XX/XX/XXXX,  which is 30 days later from when my file was deemed complete, they sent my file to underwriting. '' Meanwhile, I had scheduled a foreclosure trustee sale forXX/XX/XXXX. During the review process time to this day, my home has been scheduled for an active auction sale and marketed by XXXX 's attorneys - XXXX XXXX XXXX XXXX XXXX XXXX, who are also not properly supervised by XXXX. On XX/XX/XXXX, the foreclosure attorney website reflected an active sale with starting bid instructions of {$500000.00} as a minimum bid. Even though they postponed the foreclosure sale date to XX/XX/XXXX, My loan file is still in review with an active sale date supposedly. Thereafter, I continued to follow up on my loan file periodicaly. Each time I was told that my loan file is with the underwriter. OnXX/XX/XXXX, the loan counselor informed me that, " they have 30 days from XX/XX/XXXX when the file was sent to the underwriter. It gets more interesting on XX/XX/XXXX, I recieved a one page decline letter dated XX/XX/XXXX ( as attached ). TodayXX/XX/XXXX, I followed up on status with XXXX counselor rep ( XXXX XXXX employee ID # XXXX ) who informed me that back on XX/XX/XXXX a  five page decline letter was sent out to me. Whatever is told to me, has often been different. She also added that, I have 2 weeks to appeal from the date of that letter, which time period has also passed on by now. During the review process, I have also had toprove that, I live in a multi family property of 4 units. At that time, I questioned the level of the underwriter 's competency. But again thereis not a way to escalate issues within the XXXX organization. I have also attached copy of theXX/XX/XXXX reinstatment statement from XXXX 's attorneys. Claiming all sorts of fees that are non applicable. My file should have been on Hold while i 'm in possible retention review. Aslo fees associated with the frequent mailings that they never sent out to us. Looks like XXXX is setting me to fail on this Home retention, which I will not. I provide shelter for numbe people and I 'm seeking justice in these mal practice matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts with Experian numerous times due to the accounts being fraudulent. I have attached a copy of the dispute letter and FTC identity theft report as well as proof of identity and proof of address. These accounts are still reporting on my credit report as of today. Per FCRA 15 U.S. Code 1681c-2- Block of information resulting from identity theft. 
( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, no later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of 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.
Product: Credit reporting or other personal consumer reports

I have tried to dispute information on report, nothing happened, have disputed information in the pass a couple times. There have been credit report errors on my report and was never notified even your company sued Equifax and XXXX for credit errors. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/U.
Product: Checking or savings account

Account was hacked into and taken money from my checking account in 2020
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

In XX/XX/XXXX this year I made payment arrangements with CMRE Financial Services to pay off medical debt. They told me as long as I made payments they would not report the collection to the credit bureaus. The payment amount we agreed on was {$150.00}. In XX/XX/XXXX I made a payment of {$500.00} to payoff the debt faster. CMRE still reported the debt to the credit bureaus at the end of XX/XX/2018. 

This is a breach of agreement.
Product: Credit reporting or other personal consumer reports

Account : XXXX Debt validation with assignment contract and also 1099 form.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, through my freelance work, I received payment from my client in the amount of {$32.00} to my PayPal account. However, on XX/XX/2021, my PayPal account was permanently limited. After 180 days my money was gone from my PayPal account and I can not use my PayPal account anymore for my freelancing work.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX CARDS XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX BUSINESS XXXX XXXX XXXX XXXX XXXX OF XXXX 15 U.S.C 1681 Section 602  A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my rights! 

Account : XXXX XXXX XXXX I had contacted and spoken with a representative from XXXX XXXX and they had agreed to remove this account from my reports immediately. But Experian still shows this account! 

I have disputed this account with Experian multiple times and now I need to sue. 

Experian ALSO shows inaccurate data on this account and I am in my legal right now to SUE Experian and demand this account be removed! 

Last verified date does NOT match XXXX or XXXX! 
Date of Last Activity does NOT match XXXX or XXXX! 
Date Reported does NOT match XXXX or XXXX! 
Closed Date does NOT show! Does NOT match XXXX or XXXX! 

Each violation can be {$1000.00} in damages against Experian in court.
Product: Credit reporting or other personal consumer reports

Credit Bureaus failed remove incorrect peronal infomation off my credit report causing denial of approvals. I mail via XXXX certified mail my Drivers license, social security care, and utility bill of my correct address as well. 

I am a victim of identity theft. My personal informtion was utilized to obtain credit, goods, and lease. This has cause wrong personal infomation such as address and numbers to be placed on my credit report Section 623 ( a ) Prohibits individuals from providing inaccurate information to a consumer reporting agency ( CRA ), such as a credit bureau, medical information company, or tenant screening service. The standards for this prohibition vary depending on whether the individual provides an address for receiving notices about inaccurate information.

Section 623 ( e ) Prohibits information furnishers from providing inaccurate information to a CRA if they know or have reason to believe it is inaccurate.
Product: Credit card or prepaid card

I had filed for hardship with Continental Finance and they sent me a letter that my payments would decrease after XX/XX/2023, however, it has not decreased at all. They are not conducting the due diligence stated in their letter that my payments for the XXXX card will be approximately {$29.00} and the XXXX card will be {$25.00} [ see attached ]. They never allow me to see the contract or the hardship program that I suppose to sign which their was no signature they are conducting fraud and deceptive practice. Ask them to provide you my signature now because I filed with CFPB they want me to pay regular payments ; Continental Finance is trying to charge me the same amount for the XXXX card {$42.00} and a XXXX card {$37.00}. 

They are being dishonest. I will be paid as stated in the letter that was sent. 
Contintial Fianance never provided me a copy of their hardship contract and their is no contract.
Product: Mortgage

I refused to commit fraud at their request and my loan modification was cancelled. My son is on the deed and they requested he sign a release he did and they refused it stating it had to be in cursive, my son has always printed his name. I disputed this multiple times on phone Filed complain with OCC they referred to CFPB. I was threatened with foreclosure during the entire call. Chase said to send in copy of drivers license on XX/XX/2019 and XX/XX/2019. I was told I would receive a letter of confirmation so I could send in a copy of his license. During that call chase also stated they sent loan modification out to all and every borrower who was behind on their payments, I questioned this because I had been trying to get one for  the last three years and was denied for miscellaneous reasons. I attempted to make payment of {$230.00} several times in XXXX but it was refused finally the Executive office contacted me on XX/XX/2019. Said my modification defaulted XX/XX/2019 for failure to send in fraudulent document. She advise me I would have to bring loan current no other options. I advise her of previous conversations and I never received notice it had been cancelled but my XX/XX/2019 reduced payment amount was accepted. I told her I was not going to commit fraud. She said she would research but I would have to bring the loan current or be foreclosed upon. The reduced payments have made the loan even more delinquent.