23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I wired a payment of {$58000.00} to Nationstar Mortgage on XXXX XXXX, 2016 at XXXX this payment was not applied. My first attempt to correct this error was a phone call to XXXX Nationstar Mortgage customer service line on XXXX/XXXX/16 @ XXXX this phone call was received by a customer service agent, XXXX at ext. XXXX which lasted 16 min., 28 sec. XXXX acknowledged the mistake of the payment not being applied to the correct account and that this would be corrected and taken care of within 3 business days. There was a Collection call from Nationstar Mortgage to the borrower on XXXX XXXX, 2016 which prompted the borrower to call and alert me that the error had not been corrected. I immediately called Nationstar to check on the status and spoke to a customer service agent XXXX at ext. XXXX which lasted 37 min., 41 sec. Per XXXX, XXXX did nothing to rectify the error but she would send to the appropriate division and the error would be taken care of in 3 business days. I called Nationstar Mortgage 3 days later on XXXX XXXX @ XXXX and spoke to XXXX at ext. XXXX she told me that the error was not corrected which prompted me to speak to a manager. I was transferred to XXXX XXXX at ext. XXXX. Per XXXX, he sees the error and will correct within 5 business days. I called and left a message on XXXX voice mail XXXX XXXX @ XXXX no return call so I called to leave another message on XXXX voice mail XXXX XXXX @ XXXX but I was disconnected during the transfer. I called back and left a 2nd voice mail for XXXX on XXXX XXXX @ XXXX No return call so I called and left a 3rd message for XXXX on XXXX XXXX @ XXXX I received a return call from XXXX on XXXX XXXX @ XXXX this phone call lasted 12 min., 4 sec. Per XXXX, the error is being corrected but some of the funds are " missing. '' I told him that I have a wire confirmation of the amount received by Nationstar and if funds were " missing '' then it was Nationstar 's responsibility to find the funds but in the meantime the payoff should be applied to the borrowers account so it shows paid in full. I also told XXXX that I would file a complaint with the CFPB if this was n't rectified immediately. XXXX XXXX, 2016 the borrower came in to my office with a final notice to obtain insurance and a mortgage statement showing the error still has not been corrected and that Nationstar is going to force place hazard insurance on this mortgage loan. The statement shows that there is still a balance of {$2600.00}.
Product: Debt collection

I was sued by the original creditor XXXX XXXX in the state of VA. It took a while but the lawsuit was removed from my credit report. The account was also removed, but they keep putting it back on. It has been removed from XXXX as of now but is still reporting on the other sites. I would like them to remove the accounts and have the lawsuit removed from my record.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX and I financed a XXXX XXXX XXXX for {$16000.00} using Exeter Finance back in XX/XX/XXXX. At the time I needed a car really bad as I had an XXXX  child and a XXXX year old who I had to transport back and forth to school and daycare. I was advised that the loan was for 72 months with a monthly payment of XXXX. I have made 70 payments in total plus interest and fees applied. I struggled making the payments as I really could not afford them but needed a car. As of today, I have paid a total of {$29000.00} towards this loan. My account shows that I still owe {$5900.00} and if it is not paid by XX/XX/XXXX they will repossess my vehicle because I have reached my maturity date. I don't understand how they can do this to a consumer especially during this pandemic. They will not work with me unless I come up with XXXX  which is ridiculous considering how much I have paid them. This is not right to me as a consumer and this is really bad business on their part. To collect this much money from me and threaten to take the vehicle. I need help and I need soon as this is the only transportation that I have to find work. Exeter Finances XXXX  rating has been revoked and Attorney General of Massachusetts filed and won a lawsuit against them for offering bad subprime loans. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted XXXX about a card they issued to me that I did not authorize and they canceled the account. A few months later XXXX/XXXX/XXXX they hit me with a hard inquiry. I contacted them again and told them I was not trying to open an account with them. They never removed their hard inquiry. Now again .... they have hit me again with another hard inquiry on XXXX/XXXX/XXXX. I have reported fraud to the credit bureaus but hard inquiries that are not mine are killing my score. I also contacted XXXX XXXX who did a hard inquiry XXXX/XXXX/XXXX & XXXX XXXX XXXX/XXXX/XXXX, that I did not authorize and they are both still showing. The most recent to show up has been XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX. I do n't understand how these companies can hit you with something like this without verifying if it was authorized by you, these inquiries are killing my score, please help!! Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA is reporting an old debt on my credit file and it needs to be removed. Under the FCRA this account is in violation because it is 7 years old and needs to be removed from my credit. It is also past the statue in North Carolina and they can longer come after the debt. This needs to be removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Debt collection

There are two collections reports on my credit for XXXX by both XXXX XXXX XXXX XXXX XXXX, and XXXX by XXXX XXXX XXXX. 

This amount was negotiated by XXXX in an email and set to pay. When I called to pay, they said they could not accept the negotiation ( which was already agreed upon in writing, in an email ) and that the debt was already sold. This was the same day I negotiated the debt with an XXXX agent on the phone. Attached is the email of negotiated proof Both agencies have reported this debt to my credit report and BOTH are correct. Neither company is answering my calls and are not providing information in regards to the debt. 

There is also a class action suit against XXXX for unfair collections practices and deposit handling
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is currently reporting fraudulent accounts on my credit report thereby making me further susceptible to future attacks. For example, Tennessee XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TENNESSEE have all been deleted from my credit report and master credit file. 

Please see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent Transunion a final letter requesting that they send me copies of the information they used to verify the 6 accounts ( each account ) : 1 ) XXXX  for {$1700.00} 2 ) XXXX XXXX for {$2800.00} 3 ) XXXX for {$4300.00} 4 ) XXXX XXXX for {$680.00} 5 ) XXXX XXXX XXXX for {$13000.00} 6 ) XXXX for {$1200.00}, they continue to list Negatively on my credit report. Transunion signed & recieved that final letter of request on XX/XX/18 @ XXXX. 

They have IGNORED my requests & my rights. They did NOT provide me with a copy of how they verified each account. They just put Verified. They did not provide me with ANY information on # 6 XXXX for {$1200.00} & they did NOT provide me with an updated credit report. Transunion needs to be held accountable for reporting things Negatively on my credit report without any Verifiable PROOF.All of these items need to be removed IMMEDIATELY & they need to send me a copy of my credit report to reflect the corrections.
Product: Credit reporting or other personal consumer reports

XXXX, EXPERIAN AND XXXX HAVE BEEN REPORTING INACCURACIES AND OBSOLETE INFORMATION ON MY CREDIT REPORT. 
XXXX U.S. Code 1681a ( 2 ) ( a ) 1 EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the ( consumer ) = ( ME ) and the ( person ) = ( CORPORATION ) = XXXX XXXX XXXX XXXX, XXXX XXXX, making the report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit score disclosure from XXXX XXXX The information on the disclosure that they claim to have received from the three credit reporting agencies is incorrect. Equifax XXXX XXXX XXXX   show erroneous information. I have included in this correspondence a copy of credit report from XXXX   that I obtain today.As you can see by the correspondence that I have included I have paid my bills on time every month without failure.And the credit score that this company shows is quite different than what XXXX  has on their report. XXXX XXXX and Equifax show no late or delinquent accounts or collectionAccounts which those companies shows on the reported information that was received from XXXX. The information is incorrect on all three and I want the false information removed and corrected please see the supporting documentation uploaded
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bogus collection charge on my account. I have been on the phone for over an hour mostly with XXXX XXXX # XXXX. They are refusing to provide the evidence or information they based their decision to keep this collection on my account. This call was on XX/XX/2020, XXXX PST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX  on XXXX, 2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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.

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian offers extra credit monitoring services at two different tiers. I was paying for the {$19.00} per month plan but was not able to renew. After it was set to renew I was unable to log into my credit account despite Experian offering free basic services. I have on numerous occasions demanded a refund because they charged me to get back into my account. Further I was not given the option to close out the premium subscription until I paid.
Product: Credit card

My card was falsely charged excessive baggage fees on or about XX/XX/year>. Upon noticing this discrepancy, I immediately contacted CHASE customer service department to inquire about the details of the charge. However, I was informe, they were unable to provide me with specific information or verification regarding the transaction in question. This lack of clear information has left me puzzled and concerned about the legitimacy of the charge. SINCE this occurrence I have been back and forth with multiple representatives which have been ill informed or plain disrespectful and without regard to my time or patronage. 

As a responsible credit card holder, I understand the importance of verifying all charges on my statement to ensure that my account is secure and free from unauthorized transactions. Without proper verification and clarification from your end, it is challenging for me to accept this charge as valid. 
I kindly request your assistance in investigating this disputed charge further and providing me with detailed information or verification to help me understand its origin. It is crucial for me to resolve this matter promptly to safeguard the integrity of my account and prevent any potential fraudulent activities. 
In conclusion, I urge you to prioritize resolving this dispute by providing me with the necessary information and verification regarding the questionable charge. Your cooperation in this matter is greatly appreciated, and I look forward to a prompt resolution. 

Thank you for your attention to this matter.
Product: Debt collection

I've received threating phone calls and threating letters from XXXX XXXX XXXX, starting back so far in the year XX/XX/XXXX and continuing until year XX/XX/XXXX, stating that I owe Medicare for medical payments that were paid by my Auto Insurance company, from a hit and run auto accident I was hit from the rear while stopped at a red light. They were provided proof of payments from by my Auto Insurance company. I've received threating phone calls and threating letters XXXX XXXX a Debt Collection Agency, starting dates as far in year XX/XX/XXXX and continuing until year XX/XX/XXXX, also were provided proof of payment. I am now receiving a letter XX/XX/XXXX, dated : XX/XX/XXXX from a Debt Collection : Pioneer Credit Recovery , Inc. with the same threating letter stating as the others that they were contracted by the U.S. Department of the Treasury, Bureau of Fiscal Service to collect on a delinquent balance now the Debt Originating agency : Department of Health and Human using my Social Security Number which was my Old Medicare Number, threating to report to national credit bureaus, which could inhibit my ability to obtain future credit. Additionally, the Department of Treasury may be authorized to offset any eligible government payments I receive such as income tax refunds, federal retirement benefits, and/or other financial assistance if the debt is not paid. furthermore, pursuant to the policy of the above-listed Federal agency, should I continue to refuse to resolve this debt, my debt may be reviewed for possible referral by Fiscal service to the Department of Justice for legal action. I called Pioneer Debt Collector and disputed these accusation today XX/XX/XXXX
Product: Credit card or prepaid card

I purchased an expensive hair dryer from XXXX and moved from XXXX to XXXX  before it was delivered and I called them to cancel it. 
They did not cancel it and misdelivered it. I lived in XXXX in a locked building. They either left it in the streets of XXXX or gave to wrong person. Amex, through my dispute, stood by the merchant, XXXX, who only provided a generic record it was left at the building. 
I never received it and XXXX has no records of leaving it with me. They paid for cheap delivery where the subcontractors misdeliver or leave things on the sidewalk. My credit card did not protect me and took the money from my bank account.
Product: Mortgage

In XXXX of XXXX, we entered into an agreement with our mortgage company, XX/XX/XXXX ( XXXX XXXX ) to begin a three-month forbearance on our mortgage due to Hurricane Irma ( XX/XX/XXXX ).  We signed a Mortgage modification agreement with XX/XX/XXXX that changed our mortgage payment from {$2500.00} to {$2700.00} and extended the maturity date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XX/XX/XXXX, XX/XX/XXXX sold our load to Shellpoint mortgage. Shellpoint immediately placed our account in loss mitigation and began charging late fees for what they disingenuously interpreted as three unpaid months. This was a clear violation of the modified mortgage dated XXXX XX/XX/XXXX ( MERs No : XXXX ) sold to Shellpoint. 
In XX/XX/XXXX, Shellpoint reported to the credit agencies we are over 180 past due and owed {$34000.00}. This is an injurious falsehood that may have been perpetrated to pressure us into signing a document against our best interests. 
As a XXXX XXXX XXXX  XXXX XXXX and my wife a XXXX   XXXX, an erroneous entry into our credit reports not only threatens our ability to acquire credit, but also our security clearances and therefore our livelihoods. Shellpoint appears to be attempting to bully us signing a new document to our detriment. When Shellpoint acquired our principle was approximately {$410000.00}. Shellpoint is now proposing a new modification a year later with a principle of {$420000.00}. Despite not missing or being late of a single payment, Shellpoint sees fit to charge us at a minimum an addition {$7000.00}. We consider this a very serious matter and a fundamental violation of consumer rights and protections
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed ... DEPTEDXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX SXXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent Certified Letters To The Company To Properly Verify And Validate The Accuracy Of The Account That's Showing On My Credit Report ... I Never Received Any Proof Of The Account As Being Accurate ... They Sent Email Or Letter Saying That The Account Was Verified But Not Once Send Me Proof That I Requested ...
Product: Debt collection

XXXX has turned over an account to collections that I resolved. I moved, and they did not have service in the area I moved to so I cancelled my service, and dropped my equipment off at their drop off box on XXXX XXXX. I do not owe the debt they have turned over.
Product: Money transfer, virtual currency, or money service

Good day! My name is XXXX XXXX XXXX XXXX from XXXX and I always use my paypal account whenever my fiance sends me money from XXXX and I also use it whenever I also send money to my friends and because I have also linked my paypal to my XXXX account so that I can withdraw money in pesos but my paypal account is now in limitation and i can't get my balance money in my paypal account and Paypal sent a message to my email saying I can't use my paypal account and I have to wait another 180 days to get my money because my paypal account is in limitation so I can't send money or receive money from in my paypal account. What should I do? can you help me get my balance money on paypal without having to wait 180 days? 
Email : XXXX Address : XXXX XXXX, XXXX XXXX XXXX XXXX Number : XXXX
Product: Debt collection

Please review the attached documentation and remove the debt as it is the result of identity theft.