23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper ( NationStar Mortgage ) does not provide adequate access to assistance, in fact, I would say that access to help or the ability to fix issues with this company is effectively non-existent. Calling any of their phone numbers consistently results in wait times of 50 minutes or more and disconnects ; IVR options are very limited and specific and usually results in a recording or hang up and you never get to speak to a live person ; you are never offered the option to speak to a live person without being presented a limited list of topics ; chat is a poorly trained AI that has very limited responses and never routes you to a live person ; I've opened tickets, but communication is one way and not timely. I've made more than 12 calls in the last 3 weeks to resolve an issue and it is still not resolved. My home insurance coverage has changed and Mr. Cooper is still paying the old company and has not updated my account to the new policy and my escrow at twice what they should be. I have confirmed with the new policy holder that Mr. Cooper has received the documentation and notification and I am concerned that Mr. Cooper 's delay is going to result in a lapse of coverage due to untimely payment to the new insurer leaving me and my family at high risk.
Product: Debt collection

hello keep getting phone calls but the caller will not tell me the name of the debt collection company instead keep stating this is a personal financial matter are you ..my name.. i refuse to tell them due to they refuse to identify the company they represent and calling from a private number there fore i can not call them back. at least 10 phone calls sometimes call me 4 time in a week. also i recieved a email from midland credit managment with a statement saying pre legal notification no information regarding how much i owe just blank saying they want to resolve the issue also threatend to send to a attorney in my state if they don't hear from me.. i tried to reolve the issue with XXXX before this went to collections but got the run around tried to make a payment but was told numerous time by XXXX not to make a payment due to the account is under decision told to call back in 2 weeks when i called back they informed my it was charged off never allowed me to settle the account
Product: Credit card or prepaid card

In its response to my previous complaint to CFPB, Chase said " there are instances when we will still need to speak with you '' referring to the fact that Chase requires a customer to communicate via the use of vocal chords in order to receive certain services from Chase that Chase offers to the general public. 

Chase terms and condition is the service do not mention that there is a requirement for consumers to be able to communicate with Chase via the use of telephone in order to receive the service that Chase advertises. I would like to know which services going forward Chase will not be able to provide to me due to the fact that I am not communicating with Chase via the use of a telephone. 

Chase needs to explicitly inform consumers about the requirements that it has for consumer 's ability to communicate with Chase representatives. Specifically Chase needs to specify in its terms of service the modes of communication that Chase requires its customers to have ability to participate in, the length of time for which Chase expects its customers to have the ability to maintain a continuous communication session with Chase representatives, and the requirements for pauses that a customer is allowed to have during any communication sessions with Chase representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian on XXXX over a loan that I paid off to XXXX XXXX XXXX XXXX ( the loan was paid off around XXXX if I remember correctly. ) The Experian report and dispute result stated that the loan was discharged through Bankruptcy Chapter XXXX- that is not accurate, I paid off the loan. I next attempted to send Experian the only proof that I have - a copy of the bankruptcy paper work showing that I intended to keep the debt. Instead of resolving the issue, they now opened up a new dispute into whether or not I paid off the other car loan to XXXX XXXX XXXX that I also paid off. There is no way to contact Experian directly. I've also contacted XXXX XXXX about trying to help me with proof that I paid off the loan, but they have still not contacted me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS TOLD SEVERAL TIMES BY SEVERAL XXXX EMPLOYEES THAT ONCE I PAID MY DEBT AFTER THIRTY DAYS IT WOULD BE REMOVED FROM MY CREDIT REPORT, HOWEVER IT IS STILL SHOWING UP ON MY REPORT. I SET UP DIRECT DEBIT FROM MY ACCOUNT BUT WAS NEVER TLD IT DIDNT GO THROUGH, DURING THIS TIME MY MOM DIED XX/XX/20, FROM XXXX FOLLOWED BY MY FATHER XX/XX/20 FROM XXXX   RELATED AND OTHER ILLNESS, FINALLY MY SISTER DIED XX/XX/20. I WAS STRESSED OUT DURING THIS TIME CARING FOR MY SISTER AND HANDLING MY PARENTS AFFAIRS AS WELL AS BEING A XXXX XXXX WORKING IN THE XXXX. DURING THE HEIGHT OF COVID. HAVING THIS ITEM ON MY REPORT WHEN I WAS EXPLICITLY TOLD IT WOULD BE REMOVED NOT JUST REPORTED AS PAID HAS ADVERSELY AFFECTED FINANCIAL DECISIONS I AM TRYING TO MAKE. AGAIN I WA TOLD BY THREE AGENTS WITH XXXX THAT THIS ITEM WOULD BE REMOVED FROM MY CREDIT REPORT.
Product: Debt collection

asked for debt validation and what gives an attorney pc to act as a debt collector here in michigan, as attorney can not act as debt collector, per michigan law.
Product: Debt collection

I contacted the company via certified mail and asked to have this validated. They were unable to provide any documentation or contracts that link this to me.
Product: Credit reporting or other personal consumer reports

I noticed Experian LLC fails to provide legal documentation for proper verification of the inaccurate accounts it continues to furnish on my credit report. The inaccurate account is as follows : XXXX. XXXX XXXX Account # XXXX Consumer law violations : Failed to provide XXXX documents to me for proper verification of accounts furnished on my credit report. 

LAST WARNING! IF YOU CONTINUE TO FURNISH INACCURATE ACCOUNTS ON MY CREDIT REPORT. I WILL FILE A MOTION AGAINST YOU WITH THE STATE OR FEDERAL COURT. 

Inaccurate information : 1. XXXX late payment Unfamiliar company
Product: Credit card or prepaid card

I called U.S. Bank ( where I have several bank accounts ) and applied for a Credit card with 0 % balance transfer for 20 months. I spoke with a teller named XXXX at the U.S. Bank in XXXX, KY. I gave her the account information for the 2 credit account balances I wanted transferred to the U.S. Bank credit card. On XX/XX/XXXX, I saw new credit card had a balance so I assumed the credit accounts I wanted paid were. I found out that U.S. Bank paid the wrong credit agency the amount that was to be paid to my Visa XXXX credit card. I called the XXXX branch and explained the sutuation. They they will have to research the issue and that I will be liable for the debt on my US Bank credit card, even though the bank paid the wrong creditor. They also said this issue can take up to 90 days to resolve. I know show I owe twice as much credit card debt then I really do. US Bank has acknowledged their error, but has not fixed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/Walmart card is reporting to XXXX XXXX is reporting the account is closed. It can not be updated to active because it's closed. 
XXXX XXXX XXXX is reporting said account on Synchrony Bank/Walmart .
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran five times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to Toyota financial multiple times so their lawyer reached out to me from XXXX XXXX XXXX in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level. I need the following items removed from my Credit FIle : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with American Express and got their Gold Card that has to be paid off at 30 days. I called to tell them that I did not want this card and they took my application for a Blue card and received that one. My SS number was used to back this card for XXXX XXXX XXXX. When I left XXXX XXXX, there was a balance on the Blue card so it was paid off and I closed that account. 
Until yesterday, XX/XX/XXXX I did not realize that my former partner made charges on the previously closed account. I never received written notice of the unpaid balances because the bills and all other notices went to XXXX XXXX XXXX. 
Amex kept calling my parents home about a balance due but I knew the balance was paid and the accounts were closed and didn't know what was going on. Apparently the account was sent to a collection agency and after speaking with them on XX/XX/XXXX I discovered that they were referring to charges made in XX/XX/XXXX, on an account that had been closed. Since I have no access to the mailings to XXXX XXXX XXXX, I never got the late notices, billings, collection notices, etc. The woman who runs XXXX XXXX XXXX tells me that AMEX randomly sent a card to her with here name on it. She was only the authorized user, no authority to re-open the account, even if that is AMEX 's policy. My credit has now been ruined and I can't even be told what the balance is for, not will they provide me with the account number, etc. I don't have an account number from AMEX or the collection agency to even verify what they are discussing. They are charging me without providing me what they are charging against my social security number. I want XXXX XXXX XXXX to stop calling me.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card with Bank of America was set on auto pay and I never received any notice from Bank of America that my card was delinquent. After some investigation, it appears that this is a common problem where the Bank of America auto pay malfunctions and costs people fees and adversely affects their credit. This started in XX/XX/2023 This delinquency is improper and should be removed from my report. After raising this with Bank of America, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately XXXX on time payments and have never had an issue.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Crypto.com account to fraudulent investment firm ( XXXX ).
Product: Debt collection

Called me on a XXXX debt I 'm not even sure exists, although I did have an account there at the time. Then when I mentioned the statute of limitations in Oregon, XXXX in the litigation department claimed that overdraft fees to a federal bank are n't protected by state statute of limitations. I got payment plans and called back after talking to my wife and looking online. They said their company name was XXXX. I asked them for their address and they refused, they also contacted me from numerous phone numbers from different areas in the United States. So I told them to stop calling or we would talk to a lawyer for unfair practices.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Mortgage

I have made multiple attempts to contact the ombudsman department for an answer to a request for a repayment plan that was more affordable for me to repay past due amount that accumulated during a Covid forbearance. This request was based on responses SPS made to the CFPB in my previous complaints filed pertaining to this issue. The last response that was made by SPS to CFPB did not address my request or gave any response. I was told in the last contact that they would not give a response in writing if there was no offer reached to make my repayments reasonable. 

Furthermore, every time i call the ombudsman department, they ask me the same questions about my request like it was the first time I was calling about the issue. They state that they are submitting my request to the investor for a response, but I have yet to receive any response to this request, and it has been now XXXX times I have made a request for a more affordable payment.
Product: Debt collection

XXXX XXXX of Joseph, Mann and Creed was verbally notified of a debt owed to XXXX being paid and then the proof was faxed to him. He has failed to respond and failed to up the issue with XXXX and reverse the rental suspension on my account with XXXX.
Product: Debt collection

Upon reviewing my credit report, I noticed multiple accounts that I believe were added without my consent.
Product: Student loan

I enrolled in the XXXX XXXX University ( XXXX ) after responding to advertising that said I would be placed for employment upon graduation earning {$75000.00} per year. I applied for a Federal Student Loan but came to find out I was placed into a high cost private student loan. I hired an attorney. My attorney requested documents from XXXX and from Navient Solutions , Inc. XXXX is refusing to turn over my records and Navient Solutions , Inc. ( XXXX XXXX ), after receiving a request to turn over records sent my co-signor a demand letter threatening a lawsuit. My attorney has since given 30 day notice of my election to arbitrate the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i submitted complaint with the CFPB regarding inaccurate information on my credit report, all 3 bureaus investigated and results were deemed verified and accurate information, I'm including a XXXX ( before ) and an XXXX ( After ) credit report that clearly shows that all companies are still reporting inaccurately on my credit report which is causing major damages to my credit score. Ranging from : XXXX. Different account names 2. Status 3. Opened Date 4. High Balance 5. Balance 6. Count of late payments 7. Date reported 8. Amount past due 9. Condition 10. Creditor contact
Product: Credit reporting or other personal consumer reports

My correct Name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX There should be no other name or address on my credit report besides the Stated above. Any other name or address on my credit report is either old, Incorrect, fraud or identity theft.
Product: Payday loan, title loan, or personal loan

On XX/XX/19 I had applied for a loan online, at XXXX XXXX, I received a text message from Ace Cash Express with a Loan Approval Code : XXXX and to call them to complete the loan process. I called them and they offered a loan of {$3000.00} with payments of {$94.00} a month for 36 months. They verified my personal information as well as my banking information. They also said they would email the loan documents so I could electronically sign them. On XX/XX/19 at XXXX, I received a text from them again saying I had to provide my online banking login information, my username and password to verify they were depositing the funds in the right account. I replied that information is private and I don't give out that information. They then said they were part of the XXXX, and they 4.5 star rating, and if I didn't provide the username and password I couldn't get the loan.
Product: Debt collection

Today I received a package of information from this company supposedly in response to a CFPB complaint I filed. I filed the complaint because I never received any communication from them either by phone or by mail so I was therefore not given an opportunity to dispute the validity of the debt. I do not recognize the debt and have never heard of this company. I have addressed this with them before and they refuse to give me an answer. In addition, this company has been reporting this account to credit bureaus as a delinquent monthly installment account even though it's not and I've never had any account or contract with them. They also refuse to acknowledge this. 

Additionally, I have asked several times for certain specific items of paperwork that they have refused to provide. 

The most recent letter said they " verified '' the debt by verifying it with a law firm. I also have no affiliation with this firm. The only option they give me for contact is to speak to an attorney at this firm. This is obviously inappropriate.
Product: Debt collection

The jackbooted thugs of MONARCH RECOVERY XXXX have called us at XXXX pm on XX/XX/2018, at XXXX pm on XX/XX/2018, at XXXX am on XX/XX/2018, and at XXXX pm on XX/XX/2018. 

I believe that 4 consecutive phone calls with no msgs left in my voicemail constitutes harassment. 

We are seniors and have no outstanding loans nor debts. We have even told these thugs via email to please stop calling our home phone number, yet these tyrannical bullies won't stop calling. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. XXXX XXXX XXXX XXXX http : XXXX
Product: Credit card

XXXX XXXX XXXX I gave company my signature for a bank credit card account and they keep giving me a bank debit card account with a legal name error. A bank credit card account comes with equal scale, ledger, and gold coin when you had me listed as a bank debit card account database by legal name error you need to correct your balance sheet as I am a bank credit card account with equal scale, gold ledger and coin. I'm illiterate and I am a bank credit card account than there's a bank debit card account blocking my access to finances. Bank debit card XXXX XXXX XXXX is denying my bank credit card legal name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXXXXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit card

According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.