23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt collection letters and dispute letters to the credit bureaus and the to Americollect. These letters were sent XXXXThe company is reporting inaccurate information on my credit report. The date last active in at least a year apart between all three credit bureaus. According to 15 U.S. Code 1679c a consumer has the right to dispute inaccurate information found on their credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. 
Furthermore, other credit bureaus have already corrected the status of the accounts mentioned above. I also contacted the companies by phone, and they confirmed the need for correction. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Payment arrangement set up with company to pay $ XXXX  monthly @ {$110.00} which was withdrawn on XX/XX/18 Today taking {$150.00} out in error and can not stop the deduction per company
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar/ mr cooper foreclosed on our home in XXXX XXXX Michigan if 16 years. We learned of this sheriff sale by a city clerk XX/XX/XXXX. The sale took place XX/XX/XXXX. I called mr cooper to resolve only to discover they wanted {$14000.00}. They refused anything less even though I showed proof of payments. It is now passed the Redemption period and we don't know what to do. Our home was returned to XXXX XXXX. I wrote to nationstar/mr cooper and included XXXX XXXX, asking them to unwind this wrongful foreclosure that was brought about by finds and fees unknown to us. 

Can someone please help. 

Nationstar/Mr. Cooper Attn : Customer Relations/Community Manager MrXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Mr. XXXX XXXX, You responded to me on XX/XX/XXXX regarding my complaint below in a email dated XXXX XXXX, XXXX only to tell me there's nothing you can do, which you could imagine that's the sameresponce I received through- out this wrongful foreclosure. You said that you hold executive authority to undue any fault you found. I then asked you a question ; if you had ever been foreclosed on. You answered ; No - but knew what I was going through. Mr.XXXX, there's no way you can even imagine what a family goes through unless you lived it. With that being said, did you investigate my account? What reason did you ( Mr. Cooper/Nationstar, loan servicers ) have that authorized you to foreclosure on our home? Below, is an accurate view of my account that you would have reviewed and Immediately you would have see that there was no cause for you ( Mr. Cooper/Nationstar, loan servicers ) to do what you done foreclosing on us. Seems that you used a return payment scheme to put my loan behind. The question is why? Mr. Cooper/Nationstar threatening homeowners with foreclosure to pay your imposed finesand assorted fees is extortion. I have read where ( Mr. Cooper/Nationstar ) get  paid more money foreclosing on homeowners than you do servicing mortgage loans of homeowners. Is that true Mr. XXXX? I've read where Mr. Cooper/Nationstar have been sued acrossthe Nation for illegal acts against homeowners for these wrongful foreclosure tricks and schemes. Mr. Cooper/Nationstar, does this violate my Bill Of Rights or any Federal and or State laws? If so, I would like you ( Mr. Cooper/Nationstar ) to make EVERY EFFORTto reverse this wrongful foreclosure immediately. 
Mr. XXXX, I should not have to tell you how hard my family and I had to work and saved for years to buy our house or tell you the heartbreak, stress and XXXX that you and Mr. Cooper/Nationstar has purposely caused us for your financial gain.I have children in school and that this is the only place they call home and now we live in fear from one day to the next. Put yourself in those shoes Mr. XXXX and then tell me how you and Mr. Cooper/Nationstar will gladly reinstate our loan. I want you toremember how I begged and pleaded with your loan specialists for help that you advertise to help homeowners. I estimate 10 months of you and Mr. Cooper/Nationstar not accepting payments that would amount to be approximately to be {$10000.00} that I want topay towards.q
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2015, XX/XX/2015 to XX/XX/2015, XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

In XX/XX/XXXX-XX/XX/XXXX I was in the process of trying to settle an old mortgage with XXXX and, unfortunately we could not reach an agreement. Approximately 10 days ago I contacted XXXX to try and settle the account and after speaking with the representative, we were again unable to reach a settlement amount. During the conversation, the rep mentioned that the reason we had not heard from them was that there was a " Cease and Decist '' letter on file. The rep then asked if I wanted to remove the letter so they could contact me regarding any specials or promotions and I declined. She attempted to persuade me to remove the letter a few more times and I said no. Then 2 days ago, my wife received a voice mail with an aggressive message from the rep stating we needed to call right away! I can not believe they would blatantly disregard our Cease and Decist letter and also our request via phone to not be contacted. This is NOT ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX, XXXX XXXX Account DATE : [ XX/XX/XXXX Reason : [ NEED HARD INQUIRY REMOVE THIS THE 2ND ONE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I have been locked out of my Barclays bank online savings account and have seen activities on the account that made no sense in which they tried to keep my funds and reverse my funds. I belive due to themselves or one of there representative s working in collaboration with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. XXXX XXXX, XXXX  and Experian.
Product: Debt collection

This account was open by an unknown person has has stolen my documentations.in 2013 my wallet got missing in a bus.in the missing wallet was my XXXX XXXX, social security card, drivers license, XXXX   id and my bank debit cards.i reported the missing documentations to the police and a police reports was issued.i mailed copy to the bank of America several times.i also followed up with calls but they refused to removed the item from my account.and this is affecting my credit report.
Product: Money transfers

XXXX XXXX refused to deliver {$2000.00} funds as promised sent to a person in XXXX XXXX. Reason is that I did not meet the person face to face and I could lose my money. I informed XXXX XXXX that I may be considered a XXXX holding XXXX XXXX degrees and a XXXX XXXX, was an investment banker at XXXX XXXX and company and the dollar amount was no a significant value for me financially. XXXX XXXX has elevated itself to the level of accepting money on the promise to deliver it to the designated recipient but decide whether it will fulfill it 's contract or not based on some undocumented concern for fraud. The failue to deliver the money as promised caused great harm to the waiting recipient. With the company pretense of preventing scammers from stealing my money, they are acting in the way of a scammer by promising something for money that they have no intention of delivering on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance XXXX : {$960.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX : {$1000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$1000.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not able to dispute over the phone or online
Product: Checking or savings account

Hi my name is XXXX XXXX with phone number XXXX XXXX XXXX..i was custumer of tcf bank illinois i wasn't happy about their services and illegal fees..so i decided to close my account but they charged me amount of aver 200 $ just illegal over draft fees..i refused to pay it..but they reported me and put me in checklist so i can't open checking account with any bank..it 's has been around 4 years ago ... i try to solve problem but with no results..few months ago i received check of refund from federal trade commission because they catch my tcf bank charging me illegal fees.from my checking account so federal found me paying other illegal fees between XX/XX/XXXX and XX/XX/XXXX..shame on them..now i need my right to let tcf bank to remove. Me from checklists so i can be free to open checking account with another banks ..also i need to be reimbursed me XXXX $ for this problem and the big issues they make it for me for years so i still as American citizen can open any bank account because of illegal overdraft fees i have been charged ..i need your and i believe in American justice i believe in your guts i believe on land of uncle sam thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The three bureaus XXXX, XXXX, Experian have no legal right to place on my report for approx. 5.5 yrs.the fact that my XXXX Bankruptcy case had been successfully discharged in 2021 by the XXXX XXXX XXXX XXXXXXXX XXXX U.S. Federal Bankruptcy Court. This is a private matter thus a privacy violation and possible identity theft I did not consent to this report publication and it has harmed my quality of life i.e. hard to rebuild my credit, would be turned down for future loan request and damaging my credit score finally it will hamper my re-employment attempts, etc.Finally, the posting of this bankruptcy has/there reporting requirements do not comply with FCRA 611 ( 15 U.S.C.16811 ) and therefore the information of Bankruptcy must be deleted immediately in order to comply with the law.
Product: Debt collection

This medical debt was sent to collections within 6 months of date of service. Per the XXXX XXXX XXXX, they were supposed to wait 1 year before reporting the debt to collections and also allow us opportunity to dispute the charges because they were paid by insurance.
Product: Money transfer, virtual currency, or money service

I was the victim of an elaborate scam. I have been searching for a new job and was hired for a XXXX XXXX XXXX XXXX with a company called XXXX. I sent them a detailed email about my experience and why I would be a good asset to their company. They got back to me wanting to set up an interview through XXXX ( chat based ). I interviewed the next morning. After the interview, I was told I got the position. The company wanted to send me a starter check to get new office supplies ( new XXXX, XXXX XXXX, etc. ) I received a check for {$3800.00} in the next couple days. The recruiter kept in contact with me everyday. The check posted in my account. He told me the company had an accredited vendor that would send me the office supplies after the vendor received my XXXX. XXXX only allows a maximum of XXXX a day so the recruiter asked me to go to USPS and purchase a money order for XXXX, then XXXX it to XXXX XXXX XXXX, XXXX, CO XXXX. So I did. The next day the recruiter got back to me saying the vendor had received the money, but that the office supplies had gone up in cost. He told me me if I could XXXX another XXXX to the vendor I would be reimbursed my first paycheck. The check ended up bouncing 5 days later and left my checking account in the negatives. Never to hear from the recruiter again. In total, I lost XXXX. 

Side note, why is it okay for the bank to post money in your account before making sure the other parties account has the money?!!! 

Names this " recruiter '' could be XXXX XXXX ( name he went by ) XXXX XXXX ( changed his name to this in XXXX ) XXXX XXXX ( money order addressed to this person ) XXXX XXXX XXXX ( I sent XXXX to this person ) XXXX XXXX ( name on the fake check ) I would really appreciate your help. I don't believe Bank of America will put this money back into my account and I am very sad, broke and frustrated. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

fail to remove a fraud alert and banks holding loans against me because i've been i victim of ID theft
Product: Student loan

Today @ XXXX I received ANOTHER robocall from " National Student Loan debt Forgiveness Program '' @ # ( XXXX ) XXXX. I have repeatedly pushed the correct # 9 to be removed from their list & also spoke with their Customer Service representative asking the same. I have repeatedly told them I Graduated in XX/XX/XXXX & Loan was PAID IN FULL in XX/XX/XXXX.  I always block the number in my phone & delete it. The company changes the number & calls again, this has been going on several months, sometimes receiving 3-5 calls a day. The last time I spoke with CS I told them 1 more call & I would report them. They are very RUDE & HANG UP ON YOU. this morning was that NEXT CALL!
Product: Credit reporting or other personal consumer reports

Im writing to ask for your help with a serious issue Im facing regarding an Affirm account ( XXXX ) that was opened in my name on XX/XX/year>. I did not authorize this transaction, and in fact, I returned the few items I received from this order when they were delivered to my home. 

Ive made several attempts to resolve this with Affirm and XXXX, but I keep getting told that the account is verified, despite it being the result of identity theft. Ive even provided proof to a debt collection agency thats harassing me about this debt, showing them that the account isnt mine, but theyre still pursuing it. 

All I want is for this fraudulent account to be closed and removed from my credit report. Ive tried everything on my own, but I havent had any success, and its causing a lot of stress. 

I would really appreciate your help in getting this resolved so I can move forward and stop dealing with this issue. Thank you for your time and assistance.
Product: Credit reporting

XXXX which is my current mortgage servicing company reported late payments and I need them to remove the late payment history ASAP. I have attached letter from XXXX which clearly states late payment history was an error on there part and they have asked credit bureaus ( XXXX, Experian XXXX, and XXXX to remove derogatory/negative information.
Product: Credit card

My complaint is regarding a Southwest Air Rapid Rewards XXXX card ( Chase Bank ). If a cardholder earns XXXX points in a given year Southwest PROMISES that they will earn " COMPANION PASS '' status. 
In early XX/XX/XXXX I received an email notice from Southwest that we were just XXXX points short of reaching the XXXX mark. At that time, I called Southwest Customer Service ( XXXX ) to ask specifically how I could earn the remaining XXXX points. The XX/XX/XXXX statement had already been sent to us. Customer Service provided several suggested pathways, XXXX of them being to utilize the services of XXXX of their " XXXX '' which are listed on their website. On the site there was an offer from a partner to purchase XXXX bottles of wine for {$69.00} + tax and receive an extra XXXX bonus miles. I SPECIFICALLY asked the customer service rep ( XXXX ) if that would suffice and she said " yes ''. She also mentioned ordering flowers from a partner but the wine is what we preferred. She ASSURED me that once the purchase was posted in XX/XX/XXXX it would be added to my XX/XX/XXXX total since it was " delivered '' in XX/XX/XXXX. It was added but only the purchase price and not the XXXX bonus miles. I called Customer service and they said the " terms '' state that bonus miles do not apply to the XXXX program. I told them that in XX/XX/XXXX their service rep ( XXXX ) told me it would. They countered that she had made no mention of it in our account notes. Obviously, I had no control over the account notes. We debated the issue but the agent ( XXXX ) would not concede. I asked to speak to a higher level " XXXX '' and was referred to a person named XXXX. XXXX was just as difficult. 
EXTREMELY FRUSTRATED, I again checked the list of " PARTNERS '' to see if we had purchased anything from XXXX of the others on the list. In fact, we had. On XX/XX/XXXX we had our store XX/XX/XXXX party catered by XXXX In late XX/XX/XXXX, we were billed and paid for the catering in early XXXX with the XXXX XXXX card in question. The bill was {$50.00}. We paid with the XXXX XXXX ending in XXXX I relayed this information both on the phone and in detailed emails sent to the Southwest Customer service agents ( as requested by them ) WITH THE CATERING INVOICE and store managers name/phone number to several Southwest Rewards Customer Service Agents ( XXXX, XXXX, XXXX, XXXX ) ALL who said they would review the catering invoice and payment and " CALL ME BACK ''. No one ever called me back. 
On XX/XX/XXXX I received what appears to be a final determination from a XXXX stating " We contacted XXXX Flowers on your behalf, and they are unable to honor your request for points at this time ... The file reference number for your email is XXXX. '' This is incredible and frustrating. I never claimed to have purchased from XXXX and had sent in such detailed documentation of the XXXX purchase. There should be not doubt or confusion. 
The only conclusion I can make is that they are being deceptive and are planning to cheat us out of earning the XXXX status that they strongly promoted. 
Any assistance that you can provide is greatly appreciated. 
Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, two checks from XXXX XXXX were made to merrill lynch to roll over traditional and Roth 401k accounts to respective traditional and Roth IRA accounts from Merrill Lynch ( ML ).

Despite of having deposited to the correct accounts, deposit department from ML did not settle the check deposits correctly and resulted in depositing ROTH into traditional account. 
The issue eventually got resolved in XXXX but I have not received settlement nor paperwork stating that there wont be a tax implication for me when it comes to paying 2022 tax next year.
Product: Mortgage

First of all this mortgage note is non and avoid incorrect property description when me and my wife bought the house it said XXXX feet lot XXXX the correct lot no is lot XXXX. This mortgage company has comm it tted fraud several times robotic signing forgery on XX/XX/2012 inserting deed of trust.21st Morfgage has refuse to give any modification. Several errors in mortgage errors and omission and Myers as well. They dont have original note note has been sold several times. They have sent a fake note without the real wet ink
Product: Credit reporting or other personal consumer reports

I sent some letters to the XXXX bureaus regarding inaccurate items on my XXXX report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my XXXX and letters to this complaint for your review.