23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My problems with my home began several years ago when my household income was reduced to just my salary. My Husband was diagnosed with XXXX and went on XXXX which caused me to fall behind several years ago. I was still gainfully employed and was awarded a modification in 2011 that helped me save my home then. I was grateful but my hardships persisted as my husbands health declined I found myself unemployed due to having to take so much time off of work. This unemployment persisted for the next several years, during this time I sought the help or KYHCA and loss mitigation from my new servicer Nationstar. I found another great job and my husband went into remission. This is also the time that his XXXX started to kick in so we were financially stable enough to now make a mortgage payment. This is when my problems started, I was now service released to Nationstar Mortgage and they just out right refused to work with me on retention options. I had no choice but to file a suit against them that eventually led to a settlement and the agreement that I would apply for another modification and if that was denied I would be able to short sale the property. I could not qualify for another modification because I previously had one-unfair decision but at this point I didnt have it in me to continue the fight.The current monthly payment was the lowest it could go was their reason for denial. With heavy hearts we made the decision to sell our home that now suffers from plenty of deferred maintenance. I accepted an offer that was sent to Nationstar to consider, as our mutual agreement was to allow me the opportunity to avoid foreclosure. This offer amount reflected the repairs needed for my home, but nationstar felt that it was insufficient. That buyer wanted to dispute the value but I advised my agent to just find another buyer that would pay more. We accepted a 2nd offer, I had no foreclosure sale notice filed and as soon as the offer was sent to Nationstar at the value they wanted from the last buyer, they out rightly refused to review the offer because I now had a scheduled sale date. It feels as though they set this sale date as a reason to cancel my file, out of spite-my new offer could of easily been reviewed and approved right away and much before the sale that was 29 days away. They already had the process started, had all their reports ready and in hand to make a decision from the first offer I submitted. Speaking with them is like asking to be mistreated-they are just un-kind and certainly not helpful with helping me avoid foreclosure or the fact that I am being railroaded. If I do not short sale I will have to wait at the very least 7 years before being able to possibly purchase again, it is a public record that will affect all of my future employment. Now I am just stuck and would like nothing more than to resolve this mortgage and not have a foreclosure on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Chase credit card on XX/XX/2022, I was approved for thus credit card, I have yet to receive crest card. The credit card company ran my credit score multiple times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX causing my score to drop over XXXX points. I called the agency around XX/XX/XXXX to discuss and customer service stated they would fast track another credit card to me which I have never received. She also stated she would transfer me for further assistance and the called was dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has left an account on my credit that has been dismissed in a class action law suit recently ruled in favor of the XXXX. I am demanding this account be removed ASAP permanently per the court 's ruling in the final settlement. See all attached.
Product: Debt collection

I received a letter dated XX/XX/XXXX from resurgant capital saying I owed XXXX. Saying the account is with LVNV funding LLC. I used XXXX XXXX XXXX  to setting this debt with XXXX XXXX. The debt was settled in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer credit report I noticed an account I didnt recognize. Per the FDCPA I reached out to NATIONAL CREDIT SYSTEM via certified mail on XX/XX/ to request verification of debt. I dont recognize the account #, account status, high balance, or late payments associated with the account. NATIONAL CREDIT SYSTEM received my request on XXXX  and has not provide any purchase agreement with my signature which is a violation of 15 USC 1692 ( g ). The information for the account does not meet FCRA.
Product: Credit card

I have a credit account through Sears. It has been open since XXXX. Approximately XXXX XXXX, while paying, Sears retail clerk prompted me of an opportunity to enhance my Sears credit through the addition of a Master Card. at the point of that register, through the process of applying to the added credit account that I discovered the store had my incorrect address. I updated the address at the register, and agreed to new account and made a purchase that day. 

In XXXX XXXX, I was forwarded mail sent to my incorrect address, my former address. I paid that bill and opened an online service account so as to stay on top of the tracking- I then updated my address. In XXXX XXXX, I received a notice from credit bureau ( XXXX ) survey account stating that there was a change in my credit report. It pointed out the Sears card. I then promptly attempted to sign in to investigate the account. 
As I attempted to sign in, the Sears online system did not recognize my email stating that my email was not registered. After multiple attempts with multiple user names and passwords, I promptly called Sears to investigate on XXXX/XXXX/XXXX. The Sears clerk told me that he saw that I was registered through the Sears online system, but not through the Sears Credit card online system. In essence, the online banking system for the Sears card that I have held since XXXX, and the new Sears Credit opened in XXXX XXXX are not linked, correlated, or connected in anyway. XXXX, therefore, must have made XXXX separate online accounts. This added step and process was no where disclosed anywhere by the company nor its affiliates. 

The multi step online registrations requiring XXXX user names and such are not disclosed and creates ambiguity and confusion on behalf of the consumer that can have serious ramifications. I think that this is capricious and not fair to the consumers, and now my credit score has been dropped by these discrepancies. 

In the meantime, I have paid all bills in full, but seek remedy for the XXXX notes added to credit score affiliated with the Sears credit card online system.
Product: Credit reporting or other personal consumer reports

Dear [ TransUnion/XXXX XXXX Identity Theft and Fraud Department, I am writing to urgently address identity theft reflected on my credit report. On XX/XX/2024, I submitted a dispute regarding several unauthorized accounts and transactions appearing on my report. 

These accounts were clearly opened fraudulently, potentially by someone using a similar name or stolen identification. I never authorized, used, or benefitted from these accounts in any way. 

The Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ) mandates that disputed information believed to be a result of identity theft be blocked within four business days of receiving a dispute. As of today, XX/XX/2024, it has exceeded this timeframe. 

I have attached documentation, including a copy of my original dispute and supporting evidence ( XXXX XXXX XXXX XXXX, ID theft reports, sworn testimony ) for your review. 

I request immediate action to : Block the disputed accounts from further reporting on my credit report. 
Investigate the fraudulent activity and remove all unauthorized information permanently. 
I take the security of my credit report very seriously. Please confirm receipt of this urgent request and provide a clear timeline for resolving this matter. 

Thank you for your prompt attention to this critical issue. 

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

I was the victim of Identity Theft back in XXXX An account was opened under my name, DOB, and SSN with XXXX XXXX XXXX. I tried to resolve this fraudulent account by submitting an Identity Theft Report with the 3 Credit Bureaus. This account was eventually deleted off my Credit Report, but resurfaced 5 months ago. I have been pushing XXXX XXXX XXXXXXXX to delete this account, but they keep arguing that no account exists under my name, however, they keep reporting an account under my Social Security Number. In addition, they have submitted a letter to me stating in writing, as quoted In addition, we couldnt identify an account in your name ending in XXXX. This account is the account that continues to be reported to my Social Security Number. I have submitted additional information to them, but continue to receive the same response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has illegally REINSERTED an account that was DELETED and illegally reinserted with blatant disregard for the 5 day notice requirement as provided under the Fair Credit Reporting Act. 
I submitted my dispute via CFPB # XXXX on XX/XX/year> and received a response via CFPB Portal on XX/XX/year> showing that the account was DELETED. 
The account XXXX XXXX XXXX XXXXwas reinserted illegally and I will contact an attorney if it is not DELETED again permanently or I will SUE. 
( Screenshots Attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I thought i had previously lodged a formal complaint about the FMS INC. company on XX/XX/XXXX looking back on my former complaints through the cfpb it looks as though my complaint was not submitted or there was some kind of user error. So this is now my my first formal complaint renewed so that my other complaint will make more sense. 
I got a call on XX/XX/XXXX at XXXX tuesday from an FMS INC . They told me I owed around {$2000.00} for my saint XXXX medical debt. Upon hearing that I asked for a debt validation letter to confirm the debt and the company, i receive not validation but a bill stating I owe FMS INC. {$1000.00} which did not amount to what I was told over the phone. 
FMS INC. Called Me again on XX/XX/XXXX at XXXX and told me the debt was around {$3000.00} none of the debt added up to any charges i was aware of from XXXX XXXX and XXXX didn't add up to what I was sent in the mail. I knew something was a miss so I told my representative, XXXX, that these numbers are not correct, she goes on to tell me they are for XXXX separate accounts. I was not made aware of any of this in the " debt validation letter '' they sent me, the letter stated it was XXXX account and for the amount of around {$1000.00} on XX/XX/XXXX. I started to become suspicious of the company shortly after this so I asked if there was any way I could get the previous voice recordings of our conversation to confirm I was not being mislead, XXXX told me she would ask a supervisor and then promptly hung up on me. 
XXXX week later I received an accurate statement for the amount owed through XXXX XXXX for the XXXX accounts with an FMS INC. Cover letter. 
I then attempted to send a complaint through the cfpb but looking back it was not fully submitted on XX/XX/XXXX Now up until today XX/XX/XXXX the company now harasses me by calling and hanging up when I answer but when I try to call back I get stuck talking to someone who is not my representative seemingly being lead around in a circle of formalities from FMS INC . I now currently do not trust this company as they have given me misinformation multiple times, harrass me with phone calls, and send me around the call center when I try to talk to XXXX.
Product: Credit reporting

i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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. 

also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting furnish a account without my written instructions.

15 USC 1666B : A creditor can not treat a payment under a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKEDIAT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : ACCOUNT XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I'm not sure when these accounts were added to my credit reports but I noticed a couple weeks ago its been years since Ive applied for any credit. I've faced a few financial difficulties over the last few years and I reached my limit with savings. I have to get a line of credit or a loan of some kind to help me through this post Pandemic and high inflation time I'm in. I always check my reports before applying for any kind of credit or loans because Ive been surprised in the past with what was reporting on my credit reports. Here we are again with sooo many accounts not belonging to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please reach out to XXXX, XXXX and Experian on my behalf because all of these accounts show on what they're reporting in some way.
Product: Mortgage

I have been with XXXX XXXX for 5 years and have made every payment with an additional {$2000.00} Principal payment. My Home loan was sold to Specialized Loan Servicing on XXXX XXXX 2015. I received a letter from SLS that they had acquired my Home Loan and I contacted them and made a XXXX XXXX payment of {$1500.00} with an additional principal payment of {$2000.00}. They informed me that I owed them an additional {$610.00} and I asked where this amount had come from and I was told on XXXX XXXX that they would look into the fees and get back to me. 

They took the payment of {$1500.00} and the additional Principal payment of {$2000.00} for a total of {$3500.00} which was deducted from my checking account. After a week I checked my SLS account only to see that they had not applied the {$2000.00} to my principal but had made an additional Mortgage payment so I called again only to have customer service tell me they would correct the problem and it would show on my account by the XXXX of XXXX. 

Today the XXXX of XXXX I logged into my account only to see that they have taken the {$610.00} for which there is no explanation when it was transferred and reversed the Mortgage payment with this code - XXXX : Payment Reversal. How much more confusing to a customer can you get???? My account shows the same amount owed after making a {$3700.00} payment. 

I have called and left messages for XXXX XXXX XXXX at their corp HQ in XXXX, CO at XXXX ext XXXX with no response. They have little to no respect for customers when called to inquire about the way a payment has been applied and want to charge fees that were never included with the original loan at XXXX XXXX. I 'm not real sure what XXXX XXXX DOES???? or for that matter how they correct a problem when they buy the loan but the response and actions of SLS are in BAD FAITH as a lender.
Product: Debt collection

I received a notice of attempt to collect a debt, in the amount of {$16000.00}, original creditor Ford credit Us. I called Ford credit and they had no information. I called XXXX XXXX, XXXX XXXX, spoke with XXXX, XXXX not sure and he said all he has is account opened XXXX and last activity was 2002. This isn't showing on my credit report. He said he was contacting XXXX XXXX XXXX XXXX, for them to send additional information. Even if my last activity was in 2002 it's past the statute of limitations to collect. I have never had a credit card with a high balance, so I'm confused. If this is for a car then they need to furnish proof that I in fact signed for that. Please help me. I suspect something shady is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed but it is still reported as late payment on my credit report. Remove this account from my credit report but it is negatively affecting it, thanks and I will be expecting your reply.
Product: Credit card

I have paid multiple late fees since opening the account on one of my credit cards from SynchronXXXX ( some {$400.00} worth ) from one particular account with Synchrony and have yet to receive an adequate fix, or reimbursement. Each time I bring the issue up, I am told things are working find and it is just my bank 's fault, or my own fault for inputting improper information. I've asked to speak with a manager and received no help each time. They claim each time that it is their policy to only waive one late fee each 12 months regardless of the issue. 

I can not check my account information on my own due to the website 's user interface, and I can not delete my old information to re-input it to be sure it isn't a clerical issue. They have offered to input the information for me, but said that if it doesn't work, I'll have to take another late fee and take the issue up with my bank ( XXXX ), all the while, my other credit card with Synchrony works just fine on the exact same bank account. 

I am requesting reimbursement of all {$400.00} worth of late fees, and for the company to fix it autopay issues. It will not allow its customers to schedule a reoccurring date of payment prior to the actual due date of the statement. Since the system is slow, this incurs a late fee each time. I finally found out about a CFPB complaint through a last ditch effort of XXXX searching " Synchrony bank problems ''.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background XXXX XXXX XXXXXX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Debt collection

I am making a dispute against PORTFOLIO RECOVERY in a response to a listing on my credit reports and previous communication. Be advised this is a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you with original signatures, no copies or screenshots. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws.
Product: Money transfer, virtual currency, or money service

I transferred XXXX USD onXX/XX/XXXX to coinbase.com and they promised to credit to my account on XX/XX/XXXX Today is XX/XX/XXXX and it has not been credited yet.. I opened a case with www.coinbase.com Case # XXXX IMAD # XXXX. NO RESOLUTION. They are not even responding to my emails. I am also ID verified on coinbase. They simply stole my money and no one to talk to or resolve the issue -The full name on the account the wire was sent from : XXXX XXXX XXXX XXXX -The amount of the wire = XXXX  USD -The date the wire was sent XX/XX/XXXX -- The federal reference # IMAD # for the wire FED # XXXX More DETAILS OF WIRE TRANSFER WT FED # XXXX XXXX XXXX XXXX=XXXX XXXX XXXX XXXX # XXXX TRN # XXXX RFB # XXXX