23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar DBA Mr Cooper is the servicing bank : has held homeowner in extending processing, and not evaluating documents properly. Homeowner has submitted the RMA requesting modification. Homeowner has been denied by the service'r since XX/XX/XXXX to current XX/XX/XXXX : XX/XX/XXXX. Homeowner is formally appealing the denial based on errors in home value, income, DTI and LTV Loan to Values used by the services in the denial of the RMA application. The service'r has recently denied an RMA application on XX/XX/XXXX. The reason was that all document were not sent in within the required timelines. 

The homeowner is allowed to reapply for a new modification based on recent Nationstar/Mr.Copper mortgage violations and sanctions via the DOJ/Federal Trade Commission after 12 months of current payments. 

I sent in all required documents as required within the timelines. Servicers agent assistant contacted me requesting additional information : which I sent in immediately. Three days later I receive a letter stating the I was rejected a modification due to not sending documents time : This is nonsense, I was never given any timeline requirements by written form or verbal deadlines in any discussions by the Nationstat/Mr.Cooper. 

My servicer Denied any association with Nationstar during my application : and was brought to attention of my assigned SPOC XXXX The servicer ' is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified, lost documents when homeowner has already provided.. 

This homeowner, feels that her case has been unfairly treated for the following reasons : 1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 2. A Single  point of contact was assigned ; calls were made to the point of contact : the calls were never returned by the contact. Calls returned were from the collection department and never the same so called : " relationship manager ''. 3. The service'r has held the homeowner in extended process in bad faith, during which the value of property has c for 26 months from XX/XX/XXXX to XX/XX/XXXX. 4. On the most recent RMA application : all requested documents were provided as requested within 30 days. Homeowner has confirmation via fax that documents were received by the service 5. Homeowner has made numerous calls ( 20 )  inquiring on status of application, calls were routed to next available agent, comments were : A ) wrongfully advised that documents were not submitted, or B ) documents were submitted, or C ) resubmit documents because d, or D ) Homeowner was not provided a NPV Net Present Value Report to approve or deny the RMA application.
Product: Credit reporting or other personal consumer reports

Last year in XXXX I pulled all XXXX credit reports asking to remove my old address. Remove jobs. And old names. Experian did in fact sent me a letter stating that all names were removed but but XXXX. But didn't verify all other addresses And jobs were removed.. and with the fact they are refusing to send me a credit report so I can verify to know if everything is off it or not... this is placing me in a hardship because I can't open a and account. Can't get a loan or a car..
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I notified the credit bureaus and forwarded them the identity theft report ad all identifying information as well as a list of the fraudulent information and they failed to remove the false information from my reports.
Product: Checking or savings account

I initiated a transfer of {$250000.00} from Apple Savings ( through Goldman Sachs ) on XX/XX/2023. The app indicates that it typically takes 1-3 business days to complete ; however, when I called on Friday ( XX/XX/2023 ), I was told that it could take up to 5 business days and that I had no choice but to wait until Monday ( XX/XX/2023 ). I called again on at the end of business on Monday ( XX/XX/2023 ) after still not have received the funds, and this time, I was told I needed to verify my information for them to process. I then did that and was told it would take 1-3 business days. i called again on Wednesday ( XX/XX/2023 ) and have now been told the transfer is still under review. 

What is particularly frustrating is that no one seems to have any power to do anything. That is the response from supervisors and specialty operators.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), you are obligated to provide the following before proceeding with any further action : Validation of Debt : You must provide evidence that verifies the amount of the debt, the name of the original creditor, and a clear explanation of how the debt was calculated.

Proof of Ownership : Documentation must establish that the debt is legally assigned to or owned by your agency, granting you the authority to collect it.

Investigation of Disputed Debt : Once I have disputed this debt, you are required to investigate its validity. Proceeding without completing this investigation may constitute a violation of federal law. 
Additionally, I am requesting that you cease all communication with me regarding this matter unless it is to provide the requested information or to confirm that the debt has been closed. Please note that any attempt to report this debt to a credit reporting agency without validating its legitimacy could be considered defamation of character and a violation of the Fair Credit Reporting Act ( FCRA ). 
I never signed any contract with this comapny and they are commiting fraud, If you pursue a negative tradeline I will have no chose but to sue your establishment.The account was opened without my authorization, and I am disputing its validity. I am also requesting that you immediately remove this account from youre database, as it is inaccurate and could cause harm to my credit profile. Once again if this a charge off, you have no legal evidence of a 1099-K or any legal documents retaining this debt.These actions are not only unlawful but also constitute harassment. The FDCPA ( 15 U.S.C. 1692 ) strictly prohibits debt collectors from engaging in abusive, deceptive, and unfair practices. By violating these regulations, you are liable for damages, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney fees. 

Given the repeated and willful nature of these violations, I am hereby notifying you that I am escalating this matter to the office of the Attorney General of Florida. I am also considering additional legal actions against your agency to seek full redress for the harm caused by your actions. I have several FTC reports to back this as I am a victim of Identity Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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

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 I recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Debt collection

A UTILITY BILL WAS OPENED IN MY NAME WITHOUT MY CONSENT FOR {$660.00} DOLLARS. I CONTACTED THEM DIRECTLY WITH NO RESPONSE. PLEASE ADRESS THIS ISSUE AS SOON AS POSSIBLE ....
Product: Debt collection

I am a flight attendant living out of state in base. My XXXX  has been doing the bills. This week we received a notice from the collection agency Pinnacle Recovery. Prior to this, we received no notification that our automatic payment is no longer attached to the new XXXX credit card. Therefore, we haven't been paying the bill since XXXX. The collection agency is the first notice we received. I called XXXX today, XXXX and spoke with XXXX. He said that someone attempted to call, yet we have no voicemail or notification to prove it. He then transferred me to XXXX who is in collections through XXXX. She said that there were XXXX letters sent. We said that we never received those notices even though the correct address was verified. I asked if she could email them to me. She said it would take a bit but she would do it. It is now XXXX as I have waited over XXXX hours and still nothing is in my inbox. I find it a bit suspicious that she said she had these documents yet they can not be forward in a timely manner making me think that they actually don't exist. Then my husband XXXX XXXX called Pinnacle today. He spoke to XXXX in account release. Pinnacle stated that XXXX doesn't have to notify us of missed payments and then lectured him about paying bills. If you check our credit score, I was XXXX points away from a perfect score. We are not delinquints. We had an issue with XXXX with this new card. A payment of {$1600.00} was sent in XXXX but went to the old account and not the new one. I called every XXXX weeks to try and resolve this issue in which they could not find this payment. Not once did anyone say my account was disconnected. I finally resolved it last month using my bank. 

I am very dissapointed with XXXX to say the least. I do not mind paying what I owe and would pay it immediately since this is the first time I have been made aware. What I do mind is the {$360.00} fee charges when we didn't even know we were delinquent and given the chance to rectify. This is very poor business and seems like a scam to make money. 

I will be out of the country now for a while so I would be XXXX weeks delayed in any response. My husband XXXX XXXX is available. HIs phone number is listed. His email address is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has been constantly sold to different companies and with previous companies I was under forbearance. Credit report shows over 120 days late and counting and effecting my XXXX XXXX.
Product: Money transfer, virtual currency, or money service

This is in regard to my previous complaint,  XXXX . Following an entirely unsatisfactory response from the company, your agency has closed the complaint. When I tried your link to give feedback directly, the link was broken.     I repeat that it is unethical for this or any company to ask for a credit card number as a security measure. Furthermore my complaint that their own phone complaint system was flawed and contained further scams was not addressed.     In addition the CFPB must fix the link to enable feedback about any proposed resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted the credit bureaus, and started disputes online buy XXXX  wouldn't allow me to dispute, this account has just poped up on my credit files, i have been a previous victim of id theft, i have several monitoring services, and the only alert i got was when this account appeard, there isn't a inquiry either. this is strange, i have vary good credit and am displeased about it, and equifax tried to up sale me on fraud protection service. i want this account deleted immediatly before it sully my credit worithiness that has taken me a long long time to build!! equifax, XXXX  and XXXX would not allow me to upload anything and when i called XXXX  i was left on hold for serveral long minutes til i finally just hung up after i went through to operators.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has repeatedly been reporting positive payment history on accounts but now theres accounts that are showing different statuses from other credit reporting agencies. XXXX XXXX XXXX XXXX should be reporting as pays as agreed and closed on all XXXX reporting agencies. Not just XXXX. Remove negative account.
Product: Credit card or prepaid card

This Complaint has been reviewed and resubmitted by an CFPB agent who agrees this is not a duplicate compliant. This new complaint is in regards to an " overcharge '' for something I did purchase. Previous complaint was in reference to a charge made without my permission, which mad the initial compliant confusing. I am NOT disputing that I rented a car from said merchant. I am however disputing an overcharge. CFPB please be advised to disregard any duplication claim made by the credit card company known as CHASE Bank as another duplicate claim will result in legal action on my part. 

I am disputing an overcharge on a purchase I made with my credit card. I was charged for a car rental while out of the country. I returned the car to the same location in the same condition that it was picked up. The car was dropped off during off hours but I went back later to ensure that the car was attended to by an employee. I was given no indication that there were any additional charges at that time. I also agreed to additional insurance which did not have to be used at the time of return. I had an eye witness who provided a sign XXXX that during the entire rental time period the vehicle in question was not involved in any major or minor infraction. This is additional information that I had not included within my initial complaint as I found it to be irrelevant at the time since NO INCIDENT or INFRACTION had occurred. I am disputing the charge that is showing as " XX/XX/XXXX XXXX  XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX X XXXX ( XXXX RATE ) " showing on my statement as such to be damage to the vehicle. With the additional insurance I purchased this would have been covered if in fact there was damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to ignore my multiple disputes and violation of FCRA and consumer laws.Equifax has added more inaccurate and incorrect information for which I am also asking to be removed. This has the correct attachments do not close this one as duplicate. You can close previous one as duplicate.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATIONXXXX XXXX  # XXXX is reporting as a delinquent student loan account across all XXXX  bureaus XXXX, XXXX and transunion. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.
Product: Bank account or service

I have a checking and savings account with TDBank. I filled out overdraft protections forms when I opened my accounts and XXXX other times at branches. They keep bouncing my checks that I have more than enough money to cover. They have reported me to XXXX and are destroying my credit. This morning they refused to cash a check I wrote for {$1100.00} at the XXXX XXXX XXXX Bank even though I have over {$140000.00} in liquid assets at the Bank with no holds on my money. They can offer me no explanation why this is occurring. They now say that AGAIN they have lost my over draft protection documents which have been in place for the last 6 months and again are denying checks for NSF. They are just horrible to deal with. The average wait time on the phone is over 60 minutes each time I call them.
Product: Debt collection

Diversified Adjustment Service, INC illegally obtained my personal information and now they are stating that I owe a debt in the amount of $ XXXXDiversified Adjustment Service, INC did receive written notification to validate this debt that they are accusing me of owing.Pursuant to Fair Debt Collection Practices Act,15 USC 1692g Diversified Adjustment Service, INC must comply with validation request.

Diversified Adjustment Service, INC are also reporting invalidated information that I have requested them to validate.Diversified Adjustment Service, INC are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g and gave me a " verification '' instead of validation.
Product: Debt collection

For most of XXXX I have had to deal with LVNV FUNDING LLC making false statements that money is owed to them, I have been called and harassed at all hours of the day, they have called my then, XXXX year old son ( on phone he would use ) and threaten him, yell at him, accuse him of stealing $ from their company, telling him they knew it was really me. LVNV FUNDING LLC did not purchase any debt from the original creditor, they purchased it from the 3rd agency who bought a bunch of debt. When calling the original credit card issuer. they stated I do not have a balance with them. When trying to contact LVNV FUNDING LLC ( in chat they offer ) I was unable to get any important information, I was ignored, I was not given the original credit card agreement when I requested it. LVNV FUNDING LLC is not a loan company and did not issue any type of credit to me. They have lied saying I owe them when I did not sign any agreements and have not balance with the actual credit card company. I am not in a court battle with this group. This company needs to be held accountable for lying, bullying, and misleading people into paying or garnishing wages over debt they did not give. This company buys " debts '' for pennies ( XXXX : {$500.00} debt, LVNV FUNDING LLC pays {$25.00} ) They sue people stating they owe $ XXXX 's fees when they are not owed anything. I do not owe LVNV FUNDING LLC anything and I am being harassed, missing work when my kids needs to be taken care of, due to the lies of this company.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked this morning to discover unauthorized inquiries on my credit report without any explanation. I check my report regularly, but this time something was clearly wrong. I refreshed my browser, thinking it might be a temporary glitch, but nothing changed. I am beyond frustrated and need the documents Ive sent to be thoroughly examined so I can finally stop worrying about this issue.
Product: Mortgage

I have requested documentation to see if   XXXX   XXXX   XXXX   XXXX   owns my mortgage.
JP MORGAN CHASE has failed to provide documents with proof of transfer or bill of sale of my mortgage account- from Washington Mutual Bank JP MORGAN CHASE has failed to provide me with full account details and bill from inception of loan JP MORGAN CHASE has failed to provide me with an documents showing how and when they started servicing my loan OR when they became the owner of my MORTGAGE LOAN JP MORGAN CHASE has failed to keep accurate and efficient records. They have created new loan document billing statements account in Bankruptcy   XXXX   accounts and then created new monthly statements that show different. ( I have all original statements ) JP MORGAN CHASE has failed to provide loan accounting, transferring documentation to   XXXX   XXXX  , which also has records showing that JP MORGAN sold them the loan in a BANKRUPTCY STATUS
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report concerning an auto loan with account number XXXX. Despite my efforts to resolve this issue with the credit reporting agencies and the creditor, the incorrect information remains. 

Discrepancies Noted : Inconsistent Balance Information : XXXX reports a {$0.00} balance, while XXXX and Equifax report a {$17000.00} balance. 
Inconsistent Date of Last Payment : No date provided by XXXX, XX/XX/XXXX by XXXX, and XX/XX/XXXX by Equifax. 
Inaccurate Reporting : The repossession entry does not accurately reflect my payment history. 

I attached proof of identity and document thats showing inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i sent a dispute over 45 days ago still no response it currently states that i have missed payments for my XXXX XXXXXXXX  witch is incorrect there should be no late payments