23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, I found two of my Citi cards ( XXXX XXXX XXXX XXXX XXXX ) were closed but it didn't trigger my attention while Citi sometimes has system problems during weekend. On XXXX XXXX, the situation remained. Then I felt a little concerned and I made a call to ask on XXXX XXXX evening. The representative told me I should call its XXXX department to let them know my situation. On XXXX XXXX, I found all of my Citi cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were closed. I immediately called the representative and she informed me that no comment could be made regarding my case and asked me to wait for its physical letters. If I want to dispute, I can fax them or write a physical mail to them. As a XXXX XXXX XXXX user, I would rather use digital way to deal with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX 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: Mortgage

Requested a BPO - because all estimates indicate my home is now valued at a price that allows me to get rid of the PMI. 

Company dragged its feet when I requested the BPO. To the point that it's been longer than a month and I'm still probably paying a PMI I don't need to and they're still insisting I pay for the BPO that we CAN'T schedule because they keep delaying the steps! It's kafka-esque.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

My mortgage company Freedom mortgage can not seem to be able to pay my property taxes on time. Where I live my property taxes have to be paid before the XXXX of the year and at the city before the XXXX of the year. Freedom Mortgage does n't seem to understand this or care. Last year they cut the check on the XXXX, but did n't mail them until the XXXX of the following month. This year they did n't issue the check until the XXXX of XXXX and the city did n't get them until the XXXX of XXXX. Because of the fact they can not get my tax check out in the mail before the end of the year I can not claim my property taxes on my income tax return. When I called about this they said as long as they get them to the city before the XXXX of XXXX they are not late and there is no issue. They just do n't get the income tax issue and they are a mortgage company? One person there told " What is the big deal, just claim it next year ''. Another told me that they issued the check on the XXXX of XXXX and mailed them on the XXXX. How can that even happen!! 
All I ask of them is to issue and mail out my property tax check before the end of the year so that I can rightfully claim them on my income tax return that I escrowed them in.
Product: Credit card or prepaid card

I attempted to apply for a CITI Aadvantage card on XX/XX/22. I received an immediate decline with the explanation of " Credit privileges on CITI Bank account are restricted ''. I have tried every phone number I can find online and spoken with several representatives who can not tell me what the statement above means or any resolution for it. The credit bureau that they said was used was XXXX, however, when I look up my XXXX credit report, it gives me a score of XXXX. 

I currently have a CITI Costco card, so it doesn't seem to make any sense as to why my " Credit privileges on CITI Bank account are restricted ''. Representatives at CITI Bank continue to transfer me to other individuals who tell me I've been sent to the wrong department.
Product: Debt collection

IC SYSTEMS is attempting to a collect an invalid debt from 2019 from the consumer although consumer is still an active customer of the original internet service provider XXXX with no payments due or owed and in good standing. Consumer is a victim of identify theft. CREDIT HAS BEEN RUINED. IC SYSTEMS is liable for failure to validate debt and damages to reputation, etc. Immediate resolution and updates to the 3 major credit reporting agencies, removal of any such reported debt required.
Product: Credit reporting or other personal consumer reports

Equifax has had a block on my credit file for almost a year. I have been calling them and asking them to remove the block so that I can monitor what is ony credit file and they keep telling me to mail in a copy of my identification and a copy of my social security card. I have done this twice and then they tell me the copies I sent in are not legible which is not true. I filled a complaint with the XXXX. Equifax responded and said that the problem was solved and I should log into my account. That was a lie because I logged into the account and nothing is showing. I'm just trying to monitor my credit and see what's there I don't understand why they are taking me through this and trying to keep me blocked from my own credit file.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Debt collection

I am filing this complaint against Allied Interstate LLC due to their unprofessional and obstructive communication practices, which make it impossible for me to address a debt they claim I owe. 

On XX/XX/, I received an email from Allied Interstate LLC stating they had an important communication for me regarding a debt. The email instructed me to click a secure link to access the details, but I opted to call their office directly using the phone number listed on their official website to ensure I was contacting the correct company. 

I made two attempts to reach them : 1. During the first call, I was placed on hold for 10 minutes with automated messages repeating every 15 seconds, asking me to press 1 to leave a message or stay on the line. Despite waiting patiently, no representative ever answered.

2. During the second call, the phone rang less than once before the line went silent. After a few seconds of silence, the call disconnected. 

This pattern of behavior feels like a deliberate tactic to stall consumers from resolving or validating debts, potentially to run out the clock on legal protections or reporting timeframes. It is extremely frustrating, as I contacted them the same day I received their email in an effort to validate the debt. 

These actions raise serious concerns about their practices, particularly when it comes to handling debts and their impact on consumers credit. I am worried they may report this debt to credit bureaus without allowing me the opportunity to request validation or dispute its accuracy.

Resolution Requested : 1. Provide written validation of the debt, including the name of the original creditor and proof that the debt belongs to me.

2. Cease all credit reporting activities related to this debt until validation has been completed and shared with me.

3. Improve their communication practices to ensure consumers can promptly reach representatives to address debts.

I have attached the following : A screenshot of the email I received from Allied Interstate LLC. 
Call log screenshots showing the two attempts I made to contact their office and the duration of each call. 

As a consumer who is actively trying to address this issue, I find their behavior unacceptable and request immediate action to hold Allied Interstate LLC accountable.
Product: Credit reporting

Disputed this account several times it is reporting twice on all three of my reports. XXXX & XXXX. Same account. The original creditor is XXXX, and was sold to XXXX XXXX. Only XXXX is suppose to be reporting on my credit file. Instead of XXXX deleting the item. They just went from opened to closed on my report. The account been charged off since XX/XX/XXXX. And it was still updating on my report. The last update was XX/XX/XXXX. XXXX XXXX is reporting XX/XX/XXXX. I believe this is when the account was transferred to their office. Incorrect reporting. It is reporting on all XXXX credit bureaus
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was a victim of a scam involving a bad check that I attempted to deposit into SoFi. The check bounced and I was sent an email on XX/XX/year> stating that my account had been temporarily restricted. Since then, Ive tried to get into contact with their support online and on the phone. Their online support says they cant help me and when I called I was told to wait 30 days and try to reopen my account. Its been months and I still cant.
Product: Credit reporting or other personal consumer reports

Initial Notification and Lack of Investigation In XX/XX/year>, I identified the Nationstar Mortgage LLC d/b/a Mr. Cooper fraudulent mortgage account XXXX my XXXX credit report with an inaccurate name, inaccurate address, and inaccurate amount and promptly notified Nationstar Mortgage LLC d/b/a Mr. Cooper XXXX Despite this early alert, Mr. Cooper failed to fully investigate the dispute. Instead, they validated the fraudulent mortgage account with XXXX credit bureau, perpetuating the erroneous information, including a fraudulent name, address, and loan amount. This oversight caused significant damage to my credit report, severely impacting my ability to obtain new credit. 

Compounding Financial Damage Through Bankruptcy Claims Despite being aware of the fraudulent nature of the account, XX/XX/year>, Nationstar Mortgage LLC d/b/a Mr. Cooper submitted two fraudulent mortgage claims into Chapter 13 Bankruptcy courts. These claims amounted to {$120000.00} each, totaling {$250000.00}. This action exacerbated my financial woes, further tarnishing their credit file and complicating my financial recovery process.

Data Breach Notification and Lack of Corrective Actions Adding to my plight, Mr. Cooper later notified them of a data breach involving their company, which compromised the victim 's personal information. Despite this acknowledgment, Mr. Cooper did not inform the Chapter 13 Bankruptcy courts or the Chapter 13 Trustee about the fraudulent mortgage claims, neglecting an essential step in rectifying my financial damage and legal standing. 

Conclusion This case highlights severe lapses in handling identity theft and data breaches by Nationstar Mortgage LLC d/b/a Mr. Cooper, a major financial institution. The failure to properly investigate fraudulent claims, coupled with the submission of false claims to bankruptcy courts and inadequate communication of critical information, underscores the need for stringent protocols and accountability in protecting consumers ' financial identities. I suffered damages of lost property in the amount of {$270000.00} and continue to suffer from the repercussions of these oversights, emphasizing the urgency for systemic reforms in managing and safeguarding personal data.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I should have reveived my paycheck. Id like to officially file this complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you. My paycheck amount is {$4000.00}. There's been no actual real communication on a timeframe in which this would be resolved and I've read that the third-party vendor has put out a statement that they have regained access due to the power outage. So why haven't I received my paycheck yet?
Product: Debt collection

XXXX has a collection amount on me for over {$6000.00}. I have no knowledge of this account and disputed that charge as I have no affiliation with LVNV Funding LLC. I asked for the original copy of the contract that held me accountable for said account and got no such thing. Just an email saying my request for dispute had been denied. I feel my rights have been violated and deserve to know why and when I'm being charged.
Product: Debt collection

On XX/XX/XXXX I sent out certified mail to this collection company claiming I owed {$170.00}. The letter asked for validation of debt and the required disclosures that should have been given to me. 

The situation regarding my ongoing dispute with XXXX and the lack of response from the collection company so far has been very stressful. Despite my consistent efforts and multiple letters sent, it seems that my concerns are being overlooked. I am aware of my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c, which allows me to dispute debts and request validation. I simply request proof of disclosures sent and validation of the debt. If unable to verify, I kindly request the removal of this information from my consumer report.
Product: Payday loan

I received a payday loan from XXXX and ended up gett other loan to pay that loan. I was paying XXXX $ every pay check but only XXXX $ for wha was being paid went to the principle. It would ha taken 17 payments making a XXXX $ loan cost me ove XXXX . 
I ended up lost in in loop now I owe speedy cash for a ridiculous sum as well as th cash store. I XXXX and ca seem to find out way to stop th loans gaining more and more interest. 
What can I do? If there help without another loan I 'd like to know.
Product: Credit reporting or other personal consumer reports

Sent first letter to Transunion on XXXX XXXX and it was delivered and signed for by Transunion on XXXX XXXX. Never received a response so I then Sent a second Letter on XXXX XXXX and it was delivered and signed for by Transunion on XXXX XXXX. I then sent a third letter on XXXX XXXX. Regarding this XXXX XXXX account number XXXX XXXX XXXXXXXX ... .This is really stressing me out because not only have I been denied credit because of the negative account. It is reporting inaccurate and I really want them to make this a priority because it is causing damages to my score. Causing me stress and many sleepless nights. I am also attaching proof of them receiving my letter. I am also attaching a copy of the letter that I sent them.
Product: Credit card or prepaid card

Since mid XX/XX/XXXX, I can not logon to my netspend account. 

I sent this e-mail to there " XXXX '' several times. 

" I can not logon to my account at -- https : //www.netspend.comXXXX --. 

I get redirected to a web page that displays -- Do you know that your XXXX XXXX is out of date? 
To get the best possible experience using our website, we recommend that you upgrade to a newer version of a web browser. Here are some recommended web browsers. 
Just click on the icons to get to the download page : -- I have -- XXXX XXXX XXXX -- and it will not expire for several more years! 

Please forward this to your IT Department to get this issue resolved. 

Thank you J '' I finely received a phone call back, telling me that they were no longer going to support -- XXXX XXXX XXXX -- but he would pass this on to upper management. Then I received this e-mail : Dear Cardholder, Thank you for contacting Netspend Customer Service! 

As discussed, I am sorry to hear that you are having problems accessing our website and I understand that you are frustrated and would like to file a complaint. 

Please be informed that beginning XX/XX/XXXX, our Online Account Center will no longer support XXXX XXXX XXXX. When you access your account online through XXXX XXXX browser, you will be redirected to a page asking to use a different browser. Supported browsers include XXXX, XXXX or XXXX. 

Also, I am going to send your complaint to my Manager, who will review it and forward it on if necessary. Someone from the corporate office will contact you directly within the next 2 business days. 

I apologize for the inconvenience this has caused you. 

Thank you for choosing Netspend. Have a great day! 

XXXX Customer Service Agent
Product: Credit reporting or other personal consumer reports

Request for Debt Validation** I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. I dispute the validity of the debt and request that you provide the following : 1. The amount of the alleged debt. 2. The name of the creditor to whom the debt is allegedly owed. 3. A copy of the original contract or agreement that supports your claim, or any documentation proving that I am legally obligated to pay this debt. 4. A detailed statement or itemized breakdown of how the debt has been calculated, including any interest or fees added to the principal balance. 5. Verification or a copy of any judgment, if applicable. 6. Any information showing that you are authorized to collect this debt on behalf of the original creditor. Please provide this information within 30 days from the receipt of this letter. If you are unable to validate the debt, I request that you cease all collection efforts and remove any negative information related to this account from my credit report. Until I receive the requested validation, I kindly ask that you stop any collection activities on this debt, including reporting it to credit bureaus or making further contact with me. Thank you for your prompt attention to this matter. Please send the requested information to the address listed above. Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash-app ( block , inc ) do to inadequate customer service and unfair practices which violates the consumer protection act ( CFPA ) specifically, cash-app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the three major credit bureaus To remove the bankruptcies off of my report due to the courts not reporting public records such as bankruptcies to any credit bureaus and do not furnish them any types of information about bankruptcy cases to the bureaus. I have asked multiple times and they wk not remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding unauthorized entries on my credit report. Specifically, I have found thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my report and I did not authorize these companies to access my credit information. 

I have not had any business dealings with these companies and I am concerned that these entries XXXX be the result of identity theft or other fraudulent activity. I request that you immediately remove these unauthorized entries from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX Last SNN # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX Account Number : XXXX Account Number : XXXX **Re : Dispute of Inaccurate and Unauthorized Reporting** Dear XXXX XXXX, I am writing to dispute an inaccurate account that is being reported on my credit report. The account number is XXXX. I have never given written consent to report this account to my credit report. The account was closed in XXXX, and the information being reported is incorrect and non-validated with late payments. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( 7 ) ( A ) and 12 C.F.R. 1006.34 ( d ), you are required to investigate disputed information and correct or delete inaccurate information from my credit report. I demand that you immediately remove this inaccurate account from my credit report. I also request the following : * A copy of the evidence you relied on to report the account * An explanation of why you believe the information is accurate. Please acknowledge receipt of this dispute letter within 30 days and provide an update on the status of my investigation. Sincerely, XXXX XXXX
Product: Mortgage

The original loans were originated through XXXX, XXXX loan when the home was purchased ( loan $ XXXX ) XXXX, {$180000.00} ) and a subsequent XXXX mortgage ( loan # XXXX XXXX XXXX. 

According to our County Clerks office XXXX released the lien for the XXXX mortgage on XXXX of XXXX and sent a letter to us on XXXX XXXX verifying the loan was paid off. 

XXXX of XXXX we filed for bankruptcy and as the process of notifying creditors our law firm contacted XXXX of our intent and they responded the total amount due for both loans was {$73000.00} and that is what the court documented as the total due. 

Throughout the time between XXXX and XXXX we have complied to all requests for consideration of loan modification. Every request was denied due to an additional {$240000.00} owed. 

In XXXX Bayview Loan Servicing is now servicing the loan ( acct # XXXX ) and are labeling the {$240000.00} as a corporate advance. 

The disturbing twist of events has paralyzed our family in fear of losing our home and due to their positioning of the events have left us without any alternative options of refinancing through another lender or selling he home. Lastly, the only secured position through liens is the second mortgage of {$73000.00}
Product: Credit reporting

Hello, Just an fyi, you may find more than one complaint from me as I have an open bankruptcy case. I tried disputing the fact that Experian is reporting XXXX as an open account on my credit. This is part of Chapter XXXX bankruptcy XXXX filed XXXX XXXX, 2016. I contacted XXXX today and they told me that they contacted all XXXX bureau 's on their end and have done everything they can. So it is an Experian issue. I tried disputing an Experian popped up and said I cant and said they cant give me a reason why. The only # is automated and not for disputes. 
I should not have to purchase a report, which I cant afford just to dispute. 
Thank you XXXX XXXX