23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was alerted by XXXX  that there is an open collection against me because it wasn't paid as agreed. The Collection agency is Contract Callers, INC with address XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. This is the phone number reported on my XXXX  report. I have tried to call this number and its not working, I called XXXX ( Original Creditor name ), they provided an different agency name. I called them again today ( XX/XX/2018 ) and after I told them the name of the agency reported on credit report ( they are the one should provide the agency name, not me ) they provided the Contract Callers phone number, different than the phone number I have on my credit report. 
When I called the Phone number I was provided from XXXX ( XXXX ), the agency couldn't find any record. I gave them My name, address, birthdate and the last 4 digits of my social and they couldn't find any record. At that point with the conflicting information I received from XXXX, XXXX  and the fact that I found about an paid amount from my credit report, I was suspicious of giving the collection agency my full Social Security Number. I have not seen their privacy policy nor a consent that they will not sell or miss use my information. For these reasons, I refuse to share my full Social Security Number. I shouldn't be treated and giving wrong information. The information reported to XXXX is inaccurate including their phone number. This is hurting my credit and my financial wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit a complaint before and I don't receive any answer. The number is # XXXX Transunion is violating my rights, They don't want to delete and accounts, that's only is it not mine but it has inaccurate information and violations of the FCRA. I ask for the independent investigation documents to verify how they get to the conclusion of the account is mine and they failed to complain. I bing disputing this account back from XXXX and XXXX  and XXXX  delete this a Transunion don't. I ask for the call record of the conversation whit the Transunion assistant XXXX XXXX on XX/XX/XXXX of XXXX, at XXXX XXXX  report number is XXXX In that call XXXX XXXX say they do the investigation true the information they send to the department of treasury, in this case, the company putting in my credit the bad information. and that's the only thing they do to investigate. I ask for the removal of the account for these 3 reasons Not my account, violation of the FCRA, and failing to validate, she refuses to dispute my case. Please if you do an investigation you see is not my account, and have several violations in the report and Transunion is dowing noting to investigate.
Product: Mortgage

We have been trying to get a mortgage assumption application package from AmeriHome Mortgage since the last week of XX/XX/2022. We received from them Form XXXX which we completed and emailed back the same day, on XX/XX/2022. Their website states that once this completed form is received, there is an application package that is sent out. We have called several times to check the status and each time, they send the blank Form XXXX to us for completion. We have received this form six times now and sent it back completed XXXX times. We still have not received the correct package to start our mortgage assumption. Ive asked that they email it and/or post it in the document center that is in my online account profile. They refuse stating that it must be mailed. This form should be available either in a customers document center or on their website. We have moved out of the home in XXXX and relocated to South Dakota. We are currently paying our mortgage as well as rent for our apartment, which is as much as the mortgage. We are out of money in our savings and need to get this process moving along before we are forced to foreclose on the mortgage. We have a family that wants to assume this mortgage who have already been approved for an amount greater than the balance on our mortgage, so there shouldnt be anything holding us back. This is a VA mortgage, which as a benefit to XXXX, is assumable. We have both called multiple times and each time the customer service person that we speak with tells us something different, from someone will call you within three days ( which has not happened yet ), to weve mailed it to you, to we dont do mortgage assumptions. This is the worst customer service Ive ever received anywhere. Sadly, customers dont have a choice when banks buy loans. If wed had a choice, wed have done research on them first. There are horrible reviews online about AmeriHome. They have reported that an assumption takes XXXX days, which I understand, However we are now approximately 30 days in from their initial receipt of our completed XXXX form and nothing is moving.
Product: Debt collection

I had a fraudulent Credit card account opened in my name, with a bank called the CITIBANK. The account was opened on the XX/XX/2019. The opening balance of the account was {$3200.00}. I already took some action to have this account closed, by actually having send a credit dispute using my XXXX  account, the account did appear close on my XXXX account, but now it has come to my understanding that, the account dispute was never resolved because a collection letter was sent to me, asking me to make payments on the fraudulent CITIBACK account which was opened in my name.
Product: Credit card

On XXXXXX/XX/XXXX I opened a case because I returned items to XXXX then an computer that was delivered and I provided the photos is proof that no delivery of that item was done and they didnt refund me back my money ( {$2700.00} ) I waited months now and still no help from this company. The policy for this dispute is 60 days after it is opened it will be resolved so in XXXX I got a credit for this transaction which when I called multiple times I was told its closed in my favor so okay now on XXXX  XX/XX/XXXX was my 60 day mark and my dispute should be closed already then out of no where two days later I get the charge back on my card after giving all the info and proof of this. So you guys said it was closed and 60 days has passed so how are you guys going against your policy and wan na charge me after closing it already
Product: Student loan

Navient contacted me on one occasion and when I answered the phone, they asked for " XXXX XXXX. '' When I said they had they wrong no., the individual said you do n't know XXXX XXXX at which time I hung up. They have also left voicemail messages for someone ( who they named ) who does n't live with me, saying they are calling with reference to their student loan and want to discuss ways to lower their current monthly payments. They left return phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and request for resolution regarding credit reporting issues that have deeply impacted my financial well-being and peace of mind. I believe that my rights under various federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ), have been violated.

Firstly, I have encountered unauthorized credit inquiries on my credit report. Specifically, I did not provide consent for the following inquiries : 1. XXXX - Date of Inquiry : XX/XX/XXXX 2. XXXX - Date of Inquiry : XX/XX/XXXX 3. XXXX XXXX - Date of Inquiry : XX/XX/XXXX These inquiries have been made without my consent, which I believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ).

Moreover, I have discovered inaccurate personal information on my credit report, including incorrect addresses. The following addresses are inaccurate and should be removed immediately : 1. CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX 2. PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX These inaccuracies, if not corrected, could adversely affect my ability to access financial services and may result in unwarranted denials or higher interest rates. 

Lastly, I have identified an account with the creditor XXXX XXXX Account Number : XXXX ) that appears questionable and unverified. Despite my attempts to seek clarification, the account remains unclear. This lack of verification may be in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681s-2. 

I am deeply concerned about the emotional and financial toll these issues have taken on my life. The constant stress and uncertainty caused by incorrect information and unauthorized inquiries have affected my ability to secure fair credit terms and financial opportunities. As someone who has worked hard to maintain a strong financial record, I am disheartened by the hurdles these violations have placed before me. 

In light of these circumstances, I kindly request that you investigate these matters and ensure that my rights under the relevant federal laws are enforced. I urge you to work with the involved creditors to promptly remove the unauthorized inquiries and inaccurate information from my credit report. I also ask for a thorough investigation into the unverified account, and if it can not be validated, I request its removal from my credit report as well. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in helping to rectify these violations and restore my financial well-being. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2019 I started a refinance with Nations Lending Corporation. The loan officer is XXXX XXXX. I submitted all documents required. She said I am good to go. After that she said I need an appraisal done on my home for the refinance. She told me it would be XXXX i said ok. An appraisal was done and they actually took XXXX out of my bank account. I continued to call and call waiting on a close date. XXXX XXXX quit calling me back and responding to me. So, finally yesterday after I filed a complaint with the XXXX someone new called me and told me that I did not qualify for that refinance after I was already told I am approved and done the appraisal with the person they use and was only waiting on the closing date. He told me he can offer me a streamline refinance which doesnt require an appraisal or finance verification. I said no thats not what I was told I was approved for and I want them to honor their commitment as I have to them. He said that was not an option and the streamline was the only option I have through them so I asked if I would be receiving my XXXX back and he said no because it was through a 3rd party they used and would not give me my money back. I said XXXX told me yes, she set up the appraisal l. So, now I am out of XXXX dollars based off XXXX XXXX telling me I was approved for this refinance, and paid the appraisal only now almost 2 months later getting told No.
Product: Credit reporting or other personal consumer reports

We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. 

This is the third time they sent me this letter. XXXX continues to ignore my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries are not me 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: Debt collection

Allied Interstate keeps calling me on my cell phone. And I told them they have the wrong number. I have no debt owed. And I do not know how they got my number.
Product: Debt collection

Received a text message on XXXX XXXX stating This message is from the CBE Group, a debt collector. Please contact us at XXXX or paycbe.com. Reply 'STOP ' to stop texts to this number. No further information was provided.
Product: Checking or savings account

Suntrust close my account after I told them not too. And on top of that I still have not received my new check card.. Im XXXX and this bank should be fined. As a customer I reserve the right to say not to shut down my card I was going to call back. But of course they did it anyway..
Product: Mortgage

My home mortgage is being held XXXX by Mr. Cooper 's answering system ROBOT. I am trying to speak with a real person about a fee that is attached to my account and I want to put a large down payment on the principal amount, which is not allowed online. There are only XXXX phone numbers and it is always AI or a XXXX. I did not want this mortgage company, my loan was sold to Mr. Cooper. I don't live where my loan is at, so I have no way of going to the office to fix my problem. Seriously frustrating not being in control of accessing your home mortgage. It should be against the law to hold XXXX your most expensive asset in your life. Life is not as simple as AI or a XXXX! It should be mandatory to be able to speak to a real live person to clear up any problem on your account. By the time I wait for a notification to reach me in the mail, I will have incurred additional debt and add on late fees. But maybe that is there plan to make additional money.
Product: Credit reporting

There is an account listed on my Experian credit report as XXXX. This company is re-agiing the debt so that it stays on my credit report longer. There has already been accuracy issues with the account and it was properly removed from my XXXX file. I have disputed the re-aging issue and Experian has not resolved the issue. They sent a letter stating new information below, which has not addressed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

so Ive been struggling to correct inaccurate reporting on my credit report from fed loan servicing. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation of the fair and accurate credit reporting act. 
This is a medical debt through XXXX XXXX XXXX XXXX that was solvd to Portfolio recovery and they refuse to change how it is listed on my report.
Product: Mortgage

My issue is in regard to my loan modification. Please see the attached pages as it clearly shows I met the obligation to provide the form to my current loan servicer to receive my last incentive payment of {$5000.00} My loan transferred from Seterus in XXXX of XXXX. As the attached documents show I met the dead line of XX/XX/2019 stated on the letter to submit the Real Estate Fraud Certification by the XX/XX/2019 deadline as stated in letter and am entitled to the last {$5000.00} incentive.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

I need to renew my registration and My XXXX profile showed I have an outstanding balance with the XXXX MA, when I called them they let me know it was a collection that I never knew anything about it before. They provide me the number of the company and the account case. I called them and the agent told me to confirm my address and I asked her to tell me the address they have before to give them mine she told me they have in file XXXX XXXX XXXX, XXXX MA. I am not familiar with this address and I told her that is why I never get any notification. After this I end up giving her my right address. Then I called back to ask them if they will give me a discount to pay and solve the matter as soon as possible and they told me no and said they notified me on time to my address XXXXXXXX XXXX XXXX XXXX. I told them it wasn't true becuase and hour ago other agent told me they did not have my right address. I request them the proofs that they sent that many letters to the XXXX XXXX but they didn't like to provide them because they sent the letters to the wrong address. 
They were so rude and treat me so bad and told me that my only option to solve was to pay. I had to pay because I need to complete my registration process, but it is not fair that they don't notified me right, they don't offer me any possibility to pay or discount and then they told me I have to wait XXXX business day to solve the issue and take the report from the system in order for me to complete my registration. 
I did not have time to check if this is my debt or ask for reduction because never get notify
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into equifax as I did not have access to my old e-mail and phone number that was linked to my equifax account. After verifying my information, I was put on hold for over 30 mins waiting for a customer rep. After getting a hold of one, it took them 10 mins to only update my email address and phone number. When I tried asking if they could stay on the line while I tried to reset my password, they cut the line. I then tried to reset my password but kept getting the error " We are temporarily unable to complete your request ''. It's been over 12 hours and I am unable to freeze my credit report. Very disappointed in equifax, but is that ever new with them.
Product: Money transfer, virtual currency, or money service

I am writing to express my frustration and disappointment regarding the lack of refund for a transaction made through the XXXX app. The transaction ID in question is XXXX, and the amount involved was XXXX XXXX This payment was made as an emergency admission fee and was supposed to be refunded, as promised by XXXX customer support. 

Despite numerous attempts to get in touch with XXXX through various channels, including the app store, XXXX, and customer support email, I have yet to receive a response or any indication that my issue is being addressed. I have provided all necessary information and evidence related to the transaction, but there has been no follow-up or communication from XXXX. 

I am extremely disappointed and frustrated by the lack of action taken by XXXX to address this issue, particularly given the urgency and importance of the payment involved. As a loyal XXXX customer, I expect a timely and satisfactory resolution to this matter. 

I urge you to take immediate action to refund the transaction in question and to ensure that similar issues do not arise in the future. I look forward to hearing from you soon and receiving a prompt resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy CHILD SUPPORT XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$38000.00} ; U S DEPT OF EDXXXX XXXX* Balance XXXX {$33000.00} XXXX XXXX XX/XX//2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the account listed below 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. 

XXXX ID : XXXX Account Number ( Last XXXX ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX : {$1900.00}