23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Wells Fargo. I became late with 3 payments due to lack of employment. I had consistent employment up to XXXX XXXX. I was paying my montly mortgage payments. I called to see if I could qualify for a payment plan and filled out the financial paperwork. This was in XXXX XXXX. I had gotten a temporary job for {$18.00} an hour on XXXX XXXX, XXXX. I also have a part-time job I work 10 hours a week. I sent them the paperwork and they denied a payback plan to me. Which is putting the amount I owe onto the end of my payments. I had a loan modification last spring ( not sure on exact date ), so I do n't qualify for that. I knew that going into this, so I asked for a payback plan. So the same day they called to tell me I was denied, I got a new position with the job I am at in a different department making {$25.00} an hour. I have to work to the end of the contract until they can hire me fulltime, so I appealed their decision and sent in more paperwork and they denied me on XXXX XXXX, XXXX. Meanwhile I ca n't make any payments and the amount I owe is growing to {$7000.00} and I am getting frustrated and angry with how I am being treated. So when she called to tell me I was denied, she told me I was denied for a loan modification. I told her I was not applying for a loan modification. The preservation specialist knew what I was applying for. I do n't understand how they got their lines crossed, but again they do it to me. I am very proactive in my life and also was with finding work and communicating with Wells Fargo, but they are not good at talking back to me. Confused!!!!! Please help?????
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. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$5100.00}
Product: Mortgage

Dear CFPB cfpb - Case number : XXXX is to combined with THIS case as you required extra information, being that there is NO place online to add the extra information required, I find it prudent to resubmit in full. I spoke with customer service who advised me to go online and add what is required, as this is NOT possible, I will fix the problem by resubmitting. Thank you for your understanding in this matter. 

NOTICE OF NON-COMPLIANCE / VIOLATIONS OF THE WASHINGTON DEED OF TRUST ACT FORECLOSURE FAIRNESS ACT AND THE CONSUMER PROTECTION ACT. 
COMES NOW, XXXX XXXX XXXX and XXXX XXXX XXXX, ( Hereinafter referred to as " Homeowners '' ), to file this NOTICE OF NON-COMPLIANCE I VIOLATIONS OF THE WASHINGTON DEED OF TRUST ACT ( DTA ) THE FORECLOSURE FAIRNESS ACT ( FFA ) AND THE CONSUMER PROTECTION ACT ( CPA ) including but not limited to, in order to set aside Homeowners ' Deed Of Trust ( DOT ) for fatal defect, and subsequent erroneous filings by pretender Lenders and the Loan Modification in this matter as follows :
Product: Credit card or prepaid card

My XXXX XXXX credit card was recently transferred from XXXX to Barclays. I received the new credit cards ( one for me and one for my husband, who is an authorized user ) in the mail a few weeks ago. The mailer says to contact Barclays to activate the cards after XX/XX/XXXX. When I called Barclays on XX/XX/XXXX they won't activate my cards and they are telling me to contact XXXX, where my account shows as closed. 

Barclays may have therefore is not permitting me to access my credit, but they have not provided me with an adverse action letter if they took adverse action to restrict my credit card account. The letter with the cards indicates that I have a credit line and should be able to use it. It would be a violation of Regulation B for a creditor to take adverse action without providing an adverse action letter. Additionally, it seems unfair and deceptive to send a credit card and tell the person to activate the account, but then not permit the person to activate or use the account with no path to be able to use the account.
Product: Debt collection

Complaint of Adverse Action taken without required Validation Notice. 

Today ( XX/XX/XXXX ) I was applying for a mortgage and learned about a poor credit score and adverse information on my XXXX credit report from the debt collector I C SYSTEMS COLLECTIONS for an amount related to XXXX XXXX. 

I immediately called XXXX XXXX to collect details of this debt and learned that I potentially was responsible for it as it was linked to an investment property I own. 

I learned that around XX/XX/XXXX XXXX of XXXX XXXX ( a.k.a. XXXX XXXX ) transferred billing from a XXXX XXXX XXXX XXXX into my name, as the owner. 

Over the next 2 months about {$200.00} of cost was incurred and billed to me before a new tenant moved in. 

Unfortunately, billing notifications were only ever sent by physical mail to the rental unit address -- which I have never lived in. No attempt was made to contact me by email or the phone number I have since confirmed they have on file. 

According to my XXXX credit report, IC SYSTEMS COLLECTIONS opened an adverse information entry on my personal report 18 months later ( XX/XX/XXXX ) for {$240.00}. 

I assert that no __ validation notice __ was provided me by the original creditor ( XXXX XXXX ) or the debt collector ( I C SYSTEMS COLLECTIONS ) before taking this adverse action. 

I believe this behavior was in violation of regulatory rules concerning notice for validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One put credit inquiries on my report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize these inquiries and I would like them removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.    XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  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

I certified Mail Receipt all three credit bureau 's about correcting my personal information on my credit report and nothing has changed. i attached to the document Certified copy of driver license, Social Security XXXX, XXXX XXXX, proof of address as verification. XXXX failed to completed my request nor sent me updated request of incorrect my personal information being corrected. Pursuant to FCRA only accurate information suppose to be reported and incorrect information remains to be report and when i requested proof of investigation verification they failed to respond. 

XXXX is still reporting my name misspelled XXXX XXXX that's not how its spelled on my driver license and birth certificate. the correct spelling of my name is XXXX XXXX XXXX. 

XXXX is reporting incorrect address which XXXX XXXX XXXX, XXXX XXXX XXXX, New Jersey XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX, New Jersey XXXX i never resign at this addresses nor did i update their system with these addresses. i never applied for credit using these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair credit reporting 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 account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : eastern account system. 2 ) account # : XXXXXXXX
Product: Vehicle loan or lease

I refinanced my loan with Navy Federal Credit Union. I spoke with the Collections Department because my financial stress due so returning from XXXX and my husband deserting me and leaving me with all the bills. My payment was decreased from {$1000.00} to {$780.00}. I was told I could not make payments while the Consumer Loan was Refinanced. I was approved for the REFI Collections Loan, and I was told that I would not receive negative credit reporting. However, it was reported that I was past due.
Product: Debt collection

I was contacted by Nations Recovery Center in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing.
Product: Credit card

Synchrony Bank closed my account because they claim I dishonored a payment. 
As a follow up to their letter dated XXXX XXXX and XXXX XXXX and in response to my request for proof of return, I am disputing their account as follows : 1. As you can see from my attached statement closing balance, my account had been overpaid by over a hundred dollars ( which has not been returned to me as at today ). 
2. My prior closing balance was also paid in full and I made payments totaling {$1000.00} in this billing cycle, some of which were made in cash. 
3. They claim this transaction occurred on XX/XX/XXXX but I made multiple transactions after this date and made payments ( all attached ). 
4. My bank does not show a return payment as I had funds available ( statement attached that show available funds for the date in question ) 5. As their agent indicated over the phone, I am not worth the business because I do not carry balances and therefore do not pay interest. This, I believe is the reason my account was closed. 
6. I am requesting that proof be submitted of the return payment. Ironically, the bank I paid from is linked with Walmart as the statement indicates.
Product: Credit reporting, credit repair services, or other personal consumer reports

i check my credit pretty regularly and i noticed last week that this Allied Collection Services showed up on my report for two bureaus which is XXXX  and XXXX. I am not happy because i have never received any letter regarding this collection or anything. i am disputing the validity of this debt until they can prove other wise. This company went about it the wrong way and in an unethical manner. Something just should automatically appear on ones credit report unless numerous attempts to try and collect via phone and mail. This comes as a surprise to me and i am not happy because i am gradually trying to increase my score to own my own home one day and this knocked my score down by 42 points. I have research my own information about this company and they dont do things the right way they do it their way. I am asking this so called debt they are saying is mine off of my credit report and for them to prove its mine under law. Also on this report on XXXX XXXX there is no account number or anything so i dont trust anything. Again, Allied has not contacted me to settle anything if this was my debt, they just put it on ones credit. Also i know what a collection letter looks like and most times they offer a settlement amount. i have nothing to reference to but this screenshot from XXXX XXXX. XXXX will say they will work with people and i know that any they will still put thru to collection services..my thing is this XXXX account associated with Allied Collections Services is inaccurate and i am disputing this debt because i was never contacted of this debt by Allied collection Services and it mysterioussly popped up on my credit report last week
Product: Debt collection

I am a victim of identity theft.My ex husband XXXX XXXX opened unauthorized accounts in my name without my consent. I have tried contacting these companies several times to inform them that these accounts are fraudulent but they reported it anyway after letters and phone calls they ignored or never responded back.
Product: Checking or savings account

Hi, on XX/XX/XXXX, I mailed a payment to XXXX XXXX, check was made payable to XXXX XXXX in the amount of {$3400.00}, this check was stolen from the mailbox and fraudulently endorsed and deposited to XXXX XXXX XXXX on XX/XX/XXXX. This check was cleared from my chase account on XX/XX/XXXX, i discovered this a week later after i got an email from XXXX that my payment was not received, I immediately filed a claim, and to this day i have not gotten my money back from chase, I am being told every time, that they are awaiting a response from XXXX  XXXX XXXX. I have been working with a manager from chase who keeps telling they are still waiting, yet he read a disclosure stating that chase can give me credit pending the investigation, yet they are not willing. I would like my money back as this is FRAUD, chase acknowledge this issue as well.
Product: Mortgage

I refinanced my rental property in XXXX 2015. In conjunction with the closing, I paid off my old loan, with Nationstar Mortgage, in full and on time. The payoff check was received at the Nationstar mail room on XXXX XXXX, 2015 ( per XXXX tracking ), well before the deadline to make a timely XXXX payment, XXXX XXXX, 2015. For some reason, Nationstar erroneously reported my payment as " late '', and I recently discovered my credit score was negatively impacted. 
I am now trying to secure a financing on a new home, but my credit score is preventing me from doing so. My attorney and I have contacted Nationstar 's customer service department nearly every business day for the last two weeks, asking them to write a simple letter stating I made all mortgage payments on time, I was never delinquent, and it was Nationstar 's error that led to my decreased credit score. 
I am currently in escrow on my new home, and every day that I can not secure financing puts me closer to losing my contract. I have begged Nationstar daily to write me the simple letter acknowledging their error, so that I can use it as evidence of my improperly dinged credit score, and try to rectify the situation. Despite the fact that it was THEIR error, and the fact that it is rapidly becoming more problematic for me, Nationstar claims it has no ability to expedite the processing of my complaint and " credit dispute '', and the customer service department will not connect me to anyone who has more authority or power to write the requested letter. More than a week ago, I was able to open a " credit dispute '', which the customer service representative told me would be the only way to get the letter I am requesting. Every time I have called since the dispute was opened, the representatives tell me I have to wait up to seven business days for a result. This is simply unacceptable! I may lose my contract on my new home because of Nationstar 's delay in correcting their error - an error I only found out about when I was refused financing on my new home! 
I am frustrated, disappointed, and increasingly disgusted by the lack of accountability Nationstar has exhibited, as well as its lack of sympathy for ( or even mere acknowledgement of ) the distress their error has caused me. I am poised to lose my contract on a new home because Nationstar has dragged its feet in the face of its SIGNIFICANT error.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit report that does not belong to me that is the result of identity theft. The account is from XXXX XXXX.
Product: Checking or savings account

I have a Goldman SachsXXXX XXXX account XXXX which I'm trying to withdraw funds urgently for funding a mortgage. The app on my phone keeps rejecting the withdrawal. I have been on several calls now with both Goldman Sachs and XXXX, and they both keep passing the buck. Goldman Sachs says they have no blocks on my account so they don't know why I'm not able to withdraw funds, whereas XXXX made me update to the latest software and the problem still persists. At this point, they both say they don't have a way to resolve this, and I need my funds urgently. 

Since the account is with Goldman Sachs, they should have a way to enable this without access to the phone app as well - but they say they do not have any other way to help me move the funds. This all feels like intentional hindrance from both Goldman Sachs and XXXX XXXX to prevent accountholders from withdrawing money and should be investigated. 

Kindly help with resolving this complaint.
Product: Debt collection

I sent a letter to ERC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. they have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Debt collection

My personal information was stolen and used to open multiple accounts that I did not authorize. This has happened over a XXXX  year period which I was unaware of until I learned how to check my credit and how credit works. I didn't know how to dispute these matters until recently.
Product: Debt collection

I have a collection account that is on my credit report from XXXXXXXX XXXX XXXXXXXX. The amount has already been paid with the original creditor XXXX XXXX. The confirmation number of this payment is XXXX. The account # is XXXX. The amount paid was {$660.00} directly to XXXX XXXX and not a unaffiliated third party. I do not recognize this third party. I want them to cease and desist all communications with me to include my consumer report. I am using my right to opting out of any unaffiliated third-party gaining access to my non-public information. 

Please call XXXX XXXX to verify this payment.
Product: Mortgage

Ocwen better know these days as, '' PHH '' is involved in fraud ; deep and far reaching. I have filed complaints with the XXXX, I have called upon Government Agency to no avail, and still the fraud continues. 

In XXXX, once it became clear no real effort on behalf of this Mortgage Servicer was made or ever going to be made to bring this issue to a resolution, I made it clear they would NOT receive further payment. As a direct result of ALL my rights being violated without question, provable and factual ; my ability to earn a living and any semblance of peace and been usurped and in its place conflict and strife, in order to defend my land against these criminals. 

I have provided all required documents to prove a. my home is paid off, and b. PHH is involved in a fraudulent foreclosure, using deceitful practices akin to those of 2008. As they have not learned their lesson then or now, I will be suing this company. In an attempt to expose this fraud, protect myself, and ALL those who may be affected by such harmful practices with zero protections or help. I am doing this for all those reasons. I've lost so much in fighting this battle ; sleep, money, peace, resources. I intend to get it all back and do my part to expose this. Here I am again reaching out, this is how the working poor are treated.

I may not have a formal education, but I'm smart enough to know I have a case, and I'm bringing the fight directly to this mortgage servicers that lies, and lies some more. They'll have to prove all my accounts and recordings are false ; which won't happen.

As a result of this servicer dragging this on issues with respect to escrow have come about, issues brought on as a result of this servicer purposeful actions to keep account open, understanding that I would not pay them direct, I'll pay my property taxes on my own for me to send them payment is my acknowledgment that a debt is owed to them which it isn't. This is in protest, that it may reach the right eyes and ears and receive genuine help. 

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

A validation letter was sent within the first 30 days of contact- they did not send proper validation
Product: Debt collection

I have a collections account on my credit report by Lvnv Funding LLC. They never contacted me or sent a debt validation letter. Then they had XXXX XXXX try to collect the debt with little information, I did not receive a debt validation letter nor a letter stating I have the right to dispute. They had emailed me from XXXX.
Product: Credit card or prepaid card

No actions were taken by the company but all actions of mine are here for the taking to make America better/greater. 

XX/XX/2020 PROBLEM : I think I am contacting USDIRECTEXPRESS.COM using the webite, cfpb.gov/prepaid and I do not get orbited around the internet waves even having excaped the haven for hope 's intranet mainframe and security measures. 

PROBLEM : Your website has not ground to stand tall on because it isn't needed to be told to new or returning customers until a problem such as credit collections or discrepancy occurs between you and customer. It's a bad BUSINESS message. The customer isn't happy. Therefore, 3rd perception falls in your lap. DECEIT=EVIL and your expecting, sublimally to set a negative tone and force a loss sale to occur. MAKE SENSE. NO IT DOESN'T. USE this as food for your brain. Chew on it. Don't swallow paper like I do, the ink might be poisonous. 

REGARDS, SICKLY and XXXX, LUCKY