23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

have submitted numerous complaints. Nothing happens. I recieved a call regarding reporting me 90 and 120 days past due. LIKE I told XXXX before he hung up pn me, I was told in XXXX that it would take 2 weeks for the MODIFICATION. I asked him check the recirded line! He says he does n't believe me! I would n't be hassling this for over a year if it wasn ; t true CHECK THE RECORDED LINE WELLS???? 
Also when I paid XXXX XXXX and XXXX it just kept the late notice going higher and higer. My payments for the modification was never ever ever acknowledged on my Credit Ratings! It looked to the public that I was still not paying. 
This is personal and I will continue to keep this active until the take accountablility from the beginning! 
Im sick of all the hours and time on this. I am very tired of some people being RUDE to me or Hanging up on me. What kind of Bank is this!!!!!!!!!! 
Because you have n't done what should have been donbe pertaining to this modification you have caused me hardship and stopped us from doing anything with our credit. Thats you fault and liability! 
You were suppose to report by LAW during the TPP a modification or partial Payment. YOU DID NOT 8 MONTHS AGO OR NOW I have included copies of the credit Bureau again as I have before many times. You cause us pain and siffering not to mention the damage. We were unable to purchase another home because you were not doing what you were suppose to by LAW! 
Answer and handle my complaints. I will not stop until you FIX THE ISSUES and take accountablity.You just do n't care and caused us so much trouble from the beginning. I was never late until I talked to WF. and have not been late since this Modification!!!!!!!!!. 
XXXX and XXXX XXXX : XXXX XXXX
Product: Mortgage

I am disputing Nationstar 's refusal to failure to credit my full payment to my mortgage loan account of {XXXX} XXXX as of the date of receipt of XX/XX/XXXX and refusal to apply an accepted payment of {$170000.00} required by my mortgage or apply the payment in the specified order of interest, principal, escrow, or other charges under the terms of the mortgage loan and applicable law, as seen in the attached account history dated XX/XX/XXXX, first noticed to Nationstar XX/XX/XXXX and then XX/XX/XXXX. 

Nationstar only reflects in lines 78, 95 and 96 it received {$160000.00} from me that reflects inaccurate claims by Nationstar to the CRA 's that I am paying under a partial payment agreement, made a partial payment or that I am currently 180+ days past due at XXXX as of XX/XX/XXXX. 

Nationstar has obtained a court order under the same note and mortgage for attorney 's fees, while refusing to comply with the same contracts material terms and is seeking to damage me for {$25000.00} not allowed under the contract while remaining in breach of the note and mortgage. 

As well, the above stated refusals to comply with the note in section 3a and the mortgage, Nationstar is utilizing the misleading inaccurate account information in my mortgage loan 's account history to report that as of XX/XX/XXXX, I became 180+ days past due after becoming current on my loan, paying my XX/XX/XXXX payment as current, and paying off the loan 's balance in full XX/XX/XXXX. 

XX/XX/XXXX, I emailed and faxed Nationstar 's Counsel a last dispute claiming these exact matters and am hoping this will resolve all currently ongoing breach of contract claims that are causing inaccurate credit reporting by Nationstar to the CRA 's repeatedly as I have documented from XX/XX/XXXX to current date. 

Nationstar 's Counsel failed to deliver any response to me regarding my credit reporting complaint on or after XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase for installment payments when purchasing a new phone through klarna.com. 

Their system failed to process the order at XXXX but it still charged my card I contacted them so they could submit a reversal of the payment as there is no order I provided two agents all of the information and none of them knew what to do when requesting an authorization removal for a company error. 

They all refused to submit a ticket for me to get contacted by a supervisor or for them to escalate it in any way if they weren't capable of doing so I'm aware you can do this as I am a customer service manager and have done it many times. The last agent that finally submitted the request for a supervisor which I don't even believe could not providing me any verification ticket number anything for a call back from a supervisor, and also continued to press the issue beyond what I asked of filing a complaint on the customer service is why I wanted to speak to a supervisor I am about ready to lose a {$1200.00} promotion because their system failed to process the order none of them would even look into it as this is not a normal situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I first began disputing the item in XX/XX/2021, nothing was done. 

On XX/XX/XXXX I submitted a dispute to Experian to have the account updated or negative status removed off my credit report. 

I also submitted a dispute in writing to the creditor and called them but both have refused to update the account. It is the same for al three credit bureaus.
Product: Debt collection

The XXXX XXXX XXXX XXXX in XXXX  ( I work as a XXXX XXXX XXXX ) mistakenly billed for a hospital service and they sent the debt to a collection agency called PUGET SOUND COLLECTIONS in XXXX XXXX. I notified the hospital and the insurance about the incorrect bills and it was fully paid off by the insurance. 

I called the collection agency via their phone number ( XXXX ) XXXX and in addition through mail that the debt is not mine and should be been paid by the insurance. The hospital later informed me around this XXXX  summer that they have called the collection agency and told them the account is closed and bill was paid off by the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  XXXX XXXX Balance : {$XXXX}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

My mortgage contract provides for termination of PMI at such time as the loan balance decreases to 80 % of the original value. I started last fall trying to have the PMI cancelled. They told me I the loan didn't qualify for cancellation of PMI since the balance hadn't reached 80 %. I finally contacting Shellpoint again in XX/XX/1019 to request the PMI cancellation. I received a letter dated XX/XX/2019 stating that as of the date of the letter, the loan balance had fallen to 77.14 % .of the original balance. So they scheduled an appraisal which was finally completed some three weeks ago and the appraisal stated the property had substantially increased in value. So All necessary things on my part have been long completed yet they keep telling my the PMI cancellation is " pending '', whatever that means. I am frustrated beyond tolerable. The customer serviced people have lied to me. When I call they say " we just got this request '' which they have had for months. They won't let you talk to a supervison, saying they don't have supervisors on demand. I ask about the status and they say they can notify " loan servicing '' but they can't call them while I am on the phone. I have emailed loan servicing and the only response is a letter via regular mail days later. This company is the most incompetent, unresponsive and unmotivated collection of pitiful people I have even run across in my life. This company is basically stealing about {$95.00} a month from me. Despite months of trying to get the PMI cancelled, and I clearly qualify to have it cancelled, I still have no idea when of if it will happen. I am contacting the Georgia Dept. of  Consumer Affairs as soon as I finish this report. I will recommend that this company be banned from doing business in Georgia. I am also pursuing legal action as this company owes me the PMI charges they have been making to my account due to their failure to act in a responsible and timely manner.
Product: Credit card

My sister submitted a credit card application using her name, social security number, date of birth, and address but the application somehow was associated with me and my credit report was pulled resulting in a new hard inquiry. I helped my sister submit her application and I am 100 % sure that all the information was hers and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft. I Did not Authorize These Accounts.
Product: Debt collection

I sent a debt validation letter to Franklin Collection Service , Inc. about a alleged debt on my credit report and received a vague response today XX/XX/XXXX. I asked for validation of debt from them for an alleged debt they have reported to my credit report. I requested under federal and state law for them to supply to me proper proof that they have the legal right to collect the alleged debt in the form of evidence bearing my signature be provided as required by law. They have not met their obligation to provide proof of alleged debt. Also it is reporting to my report as an open date of XX/XX/XXXX and DLA as XX/XX/XXXX. They are refusing to remove the alleged debt from credit report even though they failed to verify the alleged debt. according to the letter that they sent me where their license numbers for each state they work in they are not licensed in the State of texas to collect debts.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$5700.00} XXXX XXXX  XXXX Account XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Procollection inc is the collections company. XXXX XXXX XXXX is the name of the landlord. When I lived here, I noticed that my family suffered from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We took her to the doctor for this and I called the landlord to ask for repair. When repaired, they just put a bandaid on the issues because we still had XXXX XXXX  everywhere. I sent an email to the landlord to file a complaint about the health issues it is causing my daughter. I sent pictures and emails. I moved out of the apartments and an eviction was filed, but dismissed. They changed the amount due from {$9200.00} to {$2600.00}, I believe this is civilly unfair. While living here, I suffered so much with XXXX XXXX. I was also diagnosed with a XXXX XXXX in XXXX so this collection added to my distress at the time after diagnosis. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My daughter also has severely terrible XXXX issues from her XXXX and living in this unsafe apartment became severely unstable and unhealthy. I need to please know how to fight this in collections because it is stopping me from living peacefully with my children. I also went through divorce after leaving these unsafe apartments because of the XXXX XXXX that it added into my life. I can get paperwork documentation that my daughter was seen by a doctor while living there. I have been researching XXXX XXXX but given that its several pages I'm hoping someone can help with more information. I have pictures and videos that I will upload
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letter addressed to you requesting that you update, and correct the disputed erroneous account that is reporting inaccurate information on my Credit file. I have read that you are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up on the previous CFPB complaint I submitted complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit Reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of the investigation. However, you have failed to send me copies of the documents they are required to send me and claimed that the accounts are verified. I am requesting the Credit Bureaus to please correct the listed account from my Credit report : XXXX XXXX Balance Owed : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC SECTION 602 states i have the right to privacy.

15 usc 1681 section604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 usc 1666b : a creditor mat not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have almost perfect credit with score being XXXX to XXXX depending on which agency you pull from 3 credit bureau. I check my credit score monthly to see how my credit score changes and keep up with excellent credit rating. Last month I see my credit score dip XXXX points all of sudden and I found out there is a utility collection from a company named " L.J. ROSS & ASSOCIATES '' L J ROSS, XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone : XXXX XXXX XXXX XXXX for amount of {$130.00} on XX/XX/XXXX reported, XX/XX/XXXX assigned This collection showed up on my XXXX and XXXX credit bureau . XXXX has removed and deleted this items from my credit report which I have proof of but XXXX credit bureau has not, telling me that they have verified this collection is mine. I might be a victim of identity theft or a fraud. I have lived in Colorado since XXXX and have paid utility bill through XXXX XXXX on auto pay for so long as to I don't even remember.
Product: Credit reporting, credit repair services, or other personal consumer reports

Will not provide free credit report to addresses other than those in the US. I am an American citizen, XXXX military veteran and live abroad and can not enter my foreign address to obtain my three free annual credit reports.
Product: Credit card or prepaid card

I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they send the statements to the wrong address and agreed to update to open/never late. Please adjust accordingly. 

XXXX XXXX .... Date Opened XX/XX/18 Balance {$1200.00}
Product: Debt collection

I received collections form this company before and I notified them several times that I filed bankruptcy in  XXXX - XXXX  and this old debt was included in that bankruptcy. Recenty I have been getting calls from this  NCB c ollections agency and now letters regarding the  XXXX   XXXX   XXXX  I had a while ago. I need the collections to stop and the calls and letters as it is illegal to try to collect a debt that was included in my bankruptcy that w as discharged al ready
Product: Credit card or prepaid card

I had an issue with this company beginning in XX/XX/XXXX. I used my card to purchase something online. I then received a bill with an unauthorized charge on it. I called the company and disputed the charge. They stated that they would have to issue a new card. I got the new card and then used it in XXXX to reserve a hotel. I immediately realized on my next statement that there were yet again unauthorized charges on my card. So I called and disputed them, they once again stated they would have to issue a new card. I at that point fearing for my protection as far as my identity and credit was concerned. Told them not to send a new card that I wanted to close the account. The man agreed and said that he would process my request. 
I have continued to make my monthly payments as I always have. I usually make them online. When my XXXX statement came out I made my payment on XX/XX/XXXX using the online forum. As I have many times. My payment was for {$58.00} which was more than my minimum due of {$44.00}. I received online confirmation and the site stated that my payment was received and processed. ( I have attached this statement ) I then received my bill statement that reflected XXXX with a due date of XX/XX/XXXX. Everything looked fine the previous payment was reflected and there was no late payment or issues reported. ( I have attached this statement ). 
Then yesterday XX/XX/XXXX. I received a letter stating that I had not made my payment in on XX/XX/XXXX and that I was past due in the amount of {$86.00}. And to send this payment immediately to avoid revocation of my credit card privileges. ( I have attached this letter. ) This account was closed by me. Which would stand to question how they intend to revoke my privileges. I immediately went online and checked my account and it showed that I made the payment before mentioned. Then below stated that it was reversed. I was not reversed by me. 
I then used the over the phone method and immediately paid the {$86.00} stated in the letter. that I have attached here. 
I feel that this company is internally screwing with peoples accounts and allowing these issues to happen to charge extra fees and harass their customers. I never had a problem with my payments showing up when I made them or not being applied until after I requested my account be closed.
Product: Consumer Loan

I really need help resolving the below issue. 
CPS finances a XXXX XXXX my wife I drive. 
I am a co-signer on a XXXX XXXX purchased in XXXX @ principal rate of {$12000.00} Our monthly note is {$320.00} My wife ( XXXX XXXX ) and I began payment of my car note of {$320.00} on time the moment the car left the lot. 
I took over full payments when my wife lost her job. Though I missed some payments down the line due to XXXX XXXX I incurred in XXXX, XXXX. 
I did not have a source of income at the time when I missed the payments. CPS is aware. 
I got right back on track and caught up with my arrears making the monthly dues but then I noticed my balance never seems to drop ( decrease ). Since XXXX, XXXX years later when the car is purchased at the rate of {$12000.00}, the balance of the XXXX XXXX is just at {$10000.00}. What is that!!!!! Could someone explain to me, please!! I do n't understand. 
I just noticed I have been paying a huge amount on interest every time I paid my monthly due of {$320.00}, and not much of a principal deposited on the car loan. 
Can you image, at some point out of the monthly due of {$320.00} I paid, CPS is only deducting {$70.00} as principal, and just assigning the balance of {$260.00} as interest. Something is not right here. CPS has, and keeps overcharging me blindly. Please help. 

Thanks XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I purchased airline tickets for me and my from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The purchase was for {$1500.00}, the XXXX XXXX XXXX XXXX associate informed me that I had to pay for each bag hat my family planned on taking for the trip. I paid for two bags to the destination, and paid for two bags back to our home city. However, the associate overcharged me by {$590.00} for luggage. XXXX XXXX refunded me {$270.00} to my XXXX, but said that Frontier would have to refund me the other {$270.00}. I tried contacting Frontier 's customer service on several occasions, but I either got a bot, or the person in the chat could never find the info for my refund. On the day we were going to our destination, we asked abou our refund at the luggage pickup desk, and the manager said that he could not find anything referring to a refund in the " notes ''. He handed me copied QR code for customer service, and said contact them. I tried contacting them on my trip, but I got the same results. Also, we were charged {$120.00} for an overweight bag. They had no prices posted for overweight bags or any other charges that you could be charged. He charged us {$120.00} for overweight bags, but the receipt only showed a {$100.00} charge? We were also charged other inconsistent chages for bags on the way back home. They charged us another {$150.00} for overweight bags, which is inconsisentant from what was charged on the day we flew to our destination.
Product: Money transfer, virtual currency, or money service

I purchased XXXX Litecoins using Coinbase on XX/XX/XXXX. The currency showed up in my account on XX/XX/XXXX, however, after showing up in my account, my buy and sell activities became restricted for no apparent reason. After looking at my sign in log it does n't look as though someone was trying to access my information, and I even provided further identification with my drivers license with no luck. Its been 7 days and I want to be able to actually access my money. This may seem like poor customer support that just needs to be resolved, but several people on XXXX seem to be having a similar experience with Coinbase right now. I luckily only bought XXXX  litecoins for {$230.00} total. Some people have a lot more than I do, and do not have access to that money they bought, which is why I classify this as a scam. It does n't make sense that the day I receive my money, I can not longer buy or sell.