23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been working on a modification with Nationstar for over three years. We hired a lawyer for a lawsuit against them, but every complaint against them was dropped for different reasons. Nationstar has been impossible to work with, always a different " point of contact ''. There have probably been at least 15 different ones, none of whom EVER knew anything about our loan. I always had to tell all my information every time. That 's why we hired a lawyer to help us. Through an outside contact, we have filed many modification packages. They were all turned down for one reason or another. We were only asking them to put the arrears as a balloon payment at the end of the mortgage, give us a 30 year loan and keep the interest at 3 1/2 % instead of the 5 % it was going up to. They would offer NOTHING even though no one has ever lived in this house but the XXXX family since it was built in XXXX. My husband grew up here and after his father died, we moved here in XX/XX/XXXX <P/>My husband will be XXXX XXXX XXXX this year and he has XXXX XXXX XXXX XXXX. He is weak and having to leave this home would do him in. I ca n't imagine how he would survive it. Our grandchildren live very close and are home several times during the week, playing in the front yard. It is our home. Seventy-five years of memories are here. It would be impossible to move out. We also make extra money by renting our a back house and we would lose this source of income if we had to leave. <P/>I just do n't understand how a company, no matter how impersonal, could be so cruel. We are still trying to get a low-cost mortgage with interest only for five or 10 years or a reverse mortgage. The reverse mortgage would be ideal except that Nationstar has run the mortgage from {$870000.00} to over {$1.00} million. So of course we could pay over {$200000.00} to bring the mortgage current, but then we would have to begin making payments of {$5500.00} a month which we ca n't afford. This could all have been handled quickly by Nationstar in a couple of months, but they 've stalled and stalled and run up all this overages which I do n't think are all legitimate but I have no way of finding out. <P/>In the past three. Plus years, we have paid money we did n't really have to our lawyers ( who have been very fair and very supportive ) and are basically worse off than when we started. I just ca n't believe there is n't a solution to this. The truth is we ca n't possibly afford to move out. Is there really a company who would put a couple who are XXXX and XXXX years old out f their home? Apparently!! I believe this is elder abuse in some form. <P/>I think Nationstar will do anything to get our home and they do n't care about the consequences.
Product: Credit card or prepaid card

Have not update billing payment that was paid on XX/XX/2022. The customer service agent was unprofessional and unethical. Then proceeded to make a late payment on my account. Which was already paid!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. DPT ED/XXXX  XXXX : DPT EDXXXX XXXX
Product: Credit reporting

I received a letter from XXXX dated XXXX/XXXX/2017 in regards to my initial dispute with invalid personal information, invalid credit reporting, and inadequate reporting that was simply copied and paste from credit report. For example, the XXXX account 's date updated and Loan Type on the investigation report is different from the credit report. I requested to remove both accounts from my credit report. Especially, the XXXX account that has been closed for more than seven years closed without a balance. Also, my personal information was entered incorrectly, which I requested to update yet they failed to update my information. Hopefully they will comply with your department. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian, a major credit reporting agency, regarding their failure to investigate and resolve inaccuracies on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

I initially disputed the errors on my Experian credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and despite repeated attempts, Experian has failed to correct the inaccuracies, reinstate deleted items, and ensure that my credit report reflects accurate and up-to-date information. 

In particular, Experian has failed to comply with the following provisions under the FCRA : 15 USC 1681e ( b ) : Experian has not maintained reasonable procedures to ensure the accuracy of the information in my report.

15 USC 1681s-2 : Experian has failed to properly investigate disputes and remove or correct erroneous information.

15 USC 1681i ( 5 ) : Experian has improperly reintegrated erroneous information into my credit report after it was initially deleted.

15 USC 1681c ( c ) : Experian has not removed obsolete or outdated information from my credit report as required.

I would also like to bring to your attention the recent CFPB lawsuit against Experian, which highlights the same issues I have been experiencing with them. The CFPBs legal action specifically addresses Experians failure to properly investigate disputes and reinstate erroneous information, which has caused significant harm to consumers, including myself.

Given the severity of these issues, I respectfully request that the Consumer Financial Protection Bureau investigate my complaint and take appropriate action to ensure Experian complies with the law and corrects my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a Account on my credit I do not recognize US BKPT CT NJ
Product: Debt collection

Emergency room visit on XX/XX/2016. Visit was mixed up with my husbands debt. My visit was never filed on insurance and I never received a bill. Over three years later, I am contacted by a collection agency for a bill Ive never known about. I contacted the provider and insurance. The insurance would have paid the debt in full, but it was never submitted. Three years later is too late to submit it. The provider had it mixed up with my husbands debt, which was paid and fought with them for over a year to prove it. One month after initial contact about a service from over three years ago, a rude representative from the collection agency files it on my credit report. The provider would have been paid in full if they filed it on my insurance in a timely manner or notified me sooner so that I could make sure it was filed on insurance, but they did not.
Product: Checking or savings account

XXXX hold on an government issued check. 

XX/XX/XXXX and received an email stating the funds will be available by XX/XX/XXXX at XXXX funds are still available and the bank has started to withdraw.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has attempted to gain access to credit lines with my identify. I reached out to all three credit bureaus and advised them that there was inquiries on my report that I did not recognize and or authorize and that I wanted dispute them because they were fraudulent but I was met with push back. I further explained that I called the creditors whom weren't able to give any information other than to call the credit bureaus. I also explained that I have a fraud alert on my report, and that the creditors never called or anything and I was told the fraud alert protects me against this. I was told there is nothing that they can do to assist me and that I would need to file a police report. 
Since then I've attempted to file a police report because that's what XXXX, EXPERIAN, AND XXXX advised me I had to do to get these fraudulent inquires off. After attempting to file a police report with my city police department I was told that a report could not be taken because the thief was not successful in actually opening a credit account with my name or other information therefore it is not identity theft and they would not proceed with a report. I'm beyond frustrated with this matter. Below are the inquires that are fraudulent. 

XX/XX/XXXX- XXXX - CARD SERVICES XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  # XXXX is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.
Product: Debt collection

I highly dispute the credit reporting on these accounts being reported by Waypoint on behalf of XXXX XXXX. 

This company is reporting a paid collection account on my three credit bureaus and refuses to acknowledge that they never sent the first dunning notice to me. I have sent them several communications since XXXX of 2019, starting by disputes at the three major credit bureaus and following up with a direct letter to Waypoint sent to them on XX/XX/2019 advising them that they are violating my rights under the FDCPA. 

Specifically- I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. This information was innacurate from the beginning. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports.
Product: Credit reporting, credit repair services, 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 1681XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
XXXX5 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 1. XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX Account Number : XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX  XX/XX/2018 Experian does not have all my employment current I have been going threw this month after month with Experian taken off information on my employment. one month all my current employment on my file the next its only 1 showing now.

XXXX XXXX XXXX XXXX XXXX XXXX  Im an XXXX  I have attach copy of my State Lic I have Attach in the past copies as proof and Experian every other month changes or removes my Employment for no reason.

I have copies of my report mail out by Experian as to how they keep removing my Employment
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : COMPLAINT ID XXXX Equifax has reopened the referenced dispute with the date of XX/XX/2020! 

Equifax has acknowledged to have my dispute as of XX/XX/2020. Their time is up! They have now 30 days! What they are attempting to do is against the law. 

This was the purpose of my initial complaint for this illegal practice NOT to happen. 

According to the Fair Credit Reporting Act The credit bureau has 30 days to look into your dispute, based on the information you provide to it. The credit reporting agency must also notify the furnisher of the information, such as a bank or credit card issuer, within five days of receiving your dispute and provide the furnisher with the same evidence that you gave when you flagged the error. 

The data furnisher must then investigate your dispute and verify whether the information it gave to the credit bureau is correct. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report.
Product: Credit reporting or other personal consumer reports

Late notations on my account XXXX XXXX XXXX  have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  - credit inquiring for a credit card on XXXX XXXX XXXX XXXX XXXX. Ive never applied for this credit card.
Product: Debt collection

Rock Creek Capital LLC. Is practicing predatory and fraudulent collections practices.

They have enlisted Receivables Performance Management RPM to collect an erroneous and fraudulent debt that they have added to my credit report without any attempt to notify me of the fraudulent debt. Nor has either company given me a chance to dispute this debt. 

In addition, they have not provided any valid proof to substantiate their abusive and malicious tactic to try and destroy my credit. 

They have not provided any dates for which the debt occurred ; nor any type of agreement or authorization of such debt. Where is my signature? What is this for? When did it occur? 

They added this collection to my Credit Reports at the end of XXXX. This has harmed my business as I was in the process of acquiring a loan to expand my business. I will not qualify with this erroneous collection on my record. 

They are in direct violation of Fair Debt Collection Practices Act ( or FDCPA ) and the Fair Credit Reporting Act ( or FCRA ) so I will be filling a complaint and will be seeking financial restitution for the credit harm this company has imposed on me and my financial well-being.
Product: Debt collection

Comenity Bank XXXX XXXX has been harassing my family and constantly calling my mom and son. They even told my mom they are going to contact my job and garnish me which is none of their business. They have been calling them daily for the past 6 months and refuse to close the account and stop the balance from rising. I tried to work out a deal and was told as long as I pay the agreed monthly balance it wont rise. It went up anyway
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting XXXX issues with TransUnion. It still has not been resolved. The first problem is they are reporting a XXXX Tax lien that should have been removed some time ago under the XXXX XXXX XXXX. There is no way that TransUnion even researched this or it would have been removed by now. The other thing is the XXXX they are reporting. I have contacted the XXXX house directly and they said they DO NOT CORRESPOND WITH THIRD PARTIES FOR Credit reporting purposes. Again indicating that TransUnion was not able to validate this anyone with a computer can look something up but it does n't mean it accurate.
Product: Money transfer, virtual currency, or money service

I have been trying to close my PayPal account for several months. When I first encountered this problem, I called PayPal, sat on hold for a long time, and then I was told that I didn't have an active credit card associated with my account. 

So, I updated the card information. 

After that, I tried to cancel again. The first step in this process is clearing your account of any money that may be in it. I chose the check in the mail option. That didn't work -- I got an error message. 

I called PayPal, sat on another long hold, and once I spoke to their outsourced tech support, I was told that I would be transferred to the legal compliance department. 

Another long hold ensued. And, truth be told, I hung up. I couldn't help thinking that PayPal was trying to blow me off. 

Well, this morning, I made another attempt to clear my account of any money that may be in it. Again, I chose the check in the mail option. Got the same error message that popped up during my two previous attempts. I took a screenshot and am sharing it with this message. 

Now, I'm not asking PayPal to send a huge amount of money. That isn't the point. The point is that I'm trying to get the {$11.00} that is rightfully mine out of PayPal. Can you help me do this?
Product: Debt collection

I contacted the the loan company, mariner finance in XXXX of 2015, and told them the reason why I was behind on XXXX payments was because I was having financial difficulty and that my wife and I are XXXX. I also told them that I would try and pay in XXXX. The woman I had spoke to on the phone said that if i was not going to pay that they would have to file a suit against me, after I had already told her that I would try and pay in XXXX. I then replied to her to do what she had to do, then she rudely hung up on me. since then there has been non stop phone calls by them trying to get a hold of me. They also had someone go to my house with an envelope saying please call us. In the envelope there was one of their cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Venmo froze two accounts that belong to me and asked me to verify my identity, suggesting that was all that was required to reactivate my accounts. After doing as they asked, Venmo permanently suspended both of my accounts and stole {$830.00} in total from me. Venmo refused to give me a reason for doing so, or any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & XXXX  IS IN VIOLATION OF THE FCRA!! They are not properly VERIFYING consumer accounts. Per the FCRA furnishers are to verify and validate accounts by requesting/providing ACTUAL DOCUMENT PROOF BEARING A CONSUMERS SIGNATURE SUBSTANTIATING ALL CLAIMS/ACCOUNTS. THESE REPORTING AGENCIES ARE LAYZ AND ARE NOT FOLLOW THE PROPER PROCEDURES LISTED IN THE STAUES OF THE FCRA. IF ACCOUNTS ARE NOT PROPERLY VERIFIED WITH PROOF OF CONTRACT THE ACCOUNT ( S )  MUST BE DELETED IMMEDIATLEY!!!!!
Product: Credit reporting or other personal consumer reports

The XXXX own leasing account needs to be adjusted to the correct amount! The business scammed me into signing a lease that they were going to over charge me for from the beginning! I am not asking for the item to be removed but I am needing to balance to be adjusted as this is not right! This is affecting my credit tremendously and needs to be corrected! They are offering to settle the balance for {$800.00} after trying to charge me almost {$4000.00} for a {$1000.00} bed. Please correct the balance for the XXXX own leasing account to {$800.00}.
Product: Debt collection

In XX/XX/2023, XXXX XXXX XXXX took the significant step of filing for XXXX  XXXX bankruptcy protection, revealing a staggering debt of nearly {$900.00} XXXX. 
I signed a contract with them on XX/XX/2023, to provide alignments to my son 's teeth for 2 consecutive years and they provide 7 months of alignments only, and then I tried to reach them but did not answer their phone, and I found that they filed for Bankruptcy in XX/XX/2023. I received a call from Health Care Financial Direct telling me that they are a 'payment processor ' for XXXX, but they are a Collection Agency, I am pretty sure Smile XXXX XXXX knew that they would disappear from business and created a backup business to still collecting the money to consumers like me after they closed their doors.