23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for Hardship in paying Mortgage on XX/XX/2019, now Mr. Cooper or Nationstar is making some or other excuse to not provide me assistance in this matter. they are just dragging the matter thinking that I am a fool. Everyday they are making some or other excuse not to process my hardship and make my life harder. 

Mr. Cooper asked for my two latest Deposit Bank statements, and they also asked for my Federal tax returns, now I submitted both of them and then now when I go on their website, they have paused my application, changed the date of submission from XX/XX/2019 to XX/XX/2019 and asking for the same documents again ( please see the screenshot attached ). they don't want to genuinely help instead they just want to drag the matter so that they can get another 30 days starting from XX/XX/2019 to XX/XX/2019, because they know the last day of my payment is XX/XX/2019 before they declare me delinquent and ruin my credit. I would like to get some help from CFPB regarding this matter so that Mr. Cooper can be stopped from playing all these games. These big companies are not following XXXX XXXX and XXXX XXXX guidelines instead just want to make money so that their pockets can get deeper. Things don't work like this. My points of contact " XXXX XXXX Mr. Cooper Customer Relations Specialist '' and " XXXX XXXX '' are not picking their phones or responding to the emails.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; 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 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: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please have the accounts corrected and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no idea who this is on my credit report. I have no recollection of any contract with this company and I would like it resolved by having them take down whatever is on my credit report from them. They have no personal information of mine nor did I give consent to any of it. I have asked them to stop contacting me in a cease and desist. And I would like this if my credit report promptly.
Product: Credit card or prepaid card

On XX/XX/2022 I was hit with over {$9000.00} in fraud charges from XXXX thru Paypal. The fraud hit several cards, and my bank account. 

I have provided proof from XXXX that the charges are indeed unauthorized. My bank and other cards have resolved this months ago ; however, Synchrony Bank will not remove the charges. Moreover they are charging interest. 

I have attempted to contact Synchrony Back ad nauseam. They will not correct this matter even though I've sent proof that charges were unauthorized. 

Please Help!!!
Product: Credit card or prepaid card

In XX/XX/ somebody opened a Bank of America Credit Card in my name.
Product: Debt collection

TSI Solutions, or Trans World XXXX, has taken liberties with the slow moving wheels of our civil jurisprudence system. They customarily violate consumer protection laws knowing consumers will suffer adverse reporting while cases wait on lengthy dockets. Here, they are initiating collections efforts on a debt that has not passed yet from the original creditor. I settled the debt with the creditor, evidenced here, then awaited final invoice. The original creditor is XXXX XXXX, a XXXX XXXX. 

" Good afternoon, XXXX XXXX, I want to apologize for the delayed response regarding the early termination waiver. We are still honoring our agreement for the early termination fee. We normally do not waive the early termination fee prior to receiving final payment. However, we were able to receive approval to waive the early termination fee at this time. As previously discussed, this will leave a balance of {$280.00}. Once we received confirmation that the early termination fee is waived off the account we will advise when the new bill will be generated. '' Notwithstanding my swift turnaround of notice, TSI called my office twice, as if attempting to avoid my availability by disregarding my note of hours, then a third time on Saturday, XXXX. I thankfully answered and a highly disrespectful man insisted I validate information on a personal business matter. I did so knowing who it was. Then, abruptly, the man stated he would call back tomorrow without giving a reason. I asked if he could explain but the man hung up immediately. 

I acknowledged with XXXX, or XXXX, that a negotiated balance was due. I further agreed to remit. There is a delay in processing payment to XXXX. However there is XXXX justification for TSI to insert themselves. 

It should be noted that TSI has formerly attempted collection twice on fraudulent, time-barred debts for pay day loans proven to be both uncollectable and at least XXXX years out of the statute of limitations. I had no knowledge of these accounts, they agreed to remove the accounts, then apologized. Yet 6 months later, TSI returned with a letter attempting again to collect. 

It would be prudent to note TSI has stated forthright their inability and unwillingness to comply with state law in writing. I hold these letters as evidence in a former complaint. 

Consumers and creditors alike must actively avoid TSI as significant losses are undoubtedly occurring as these novice, aggressive, haphazard efforts to collect frivolous and in my case fraudulent debt have also harmed their creditors reputations in selecting them as intermediary, or final enforcement of debt. They are best known for exploiting tribal lenders under tribal jurisdictions and acting as purveyors of false compliance rules. They misrepresent the law, rules, and in fact, lower the bar for a highly challenging customer facing community charged with a difficult task. 

I will absolutely not work with XXXX ( XXXX XXXX XXXX ) as they are highly risky, unknowledgable in their trade, unsafe with sensitive data, and the subject of intense civil and potential XXXX conduct. Caution to XXXX XXXX in future use.
Product: Credit reporting or other personal consumer reports

TRANSUNION has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has left inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, highlighting systemic issues, including failing to send consumer-provided evidence to vendors, accepting unreliable responses, and failing to properly notify consumers of dispute outcomes. These failures align with my experience, where XXXX has failed to correct or remove disputed items despite evidence I provided. This inaction has caused ongoing damage to my credit rating. I request immediate corrective action to remove or modify the disputed accounts, as XXXX 's actions violate federal law and my rights as a consumer. PLEASE DELETE ACCOUNT XXXX XXXX, with account number XXXX OR I am requesting the followin 1. A complete description of the investigation conducted, including : The method used to contact the alleged creditor or information provider.

Documentation supporting the verification, including any signature or authorization supposedly linked to me.

2. The business name, address, and telephone number of the information provider contacted regarding this dispute.

3. A copy of any written communication or evidence used during the verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to any of my many requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.
Product: Student loan

I am writing to complaint about XXXX XXXX 's servicing of my student loan. Since XXXX of 2018, I have been trying to apply for an Income Based Repayment Plan ( " IBR '' ) with XXXX XXXX. I have submitted more than 4-5 IBR applications. 

I have spent countless hours calling and speaking with the XXXX XXXX XXXX staff, looking into the status of the IBR applications, completing and submitting additional IBR applications, or trying to locate previously submitted IBR applications. 

Each of my calls and document submissions are noted/recorded in their system. 

I have been told countless time that they have everything they need, the application is complete, and to wait 7-10 business days for a response. 

Every time I call back in to check in on the status of my IBR application ( s ), I am told that they either cant find it, I have to check a different box than the employee directed me to check, or they do not know the status and to resubmit. 

It has been almost 6 months and I have no idea what is going on. 

This is causing me much stress and anxiety to say the least. This may also be causing accrued interest to capitalize on my loan. If the latter is also the case, this has not been disclosed to me and I hope it is not because that would mean that I am being punished for XXXX XXXX 's failure to properly and timely review the IBR application, and failure to manage its document collection system. 

I need the CFPB 's assistance as my calls and requests for assistance are being ignored.
Product: Prepaid card

I am currently using MoneyNetwork which is the new XXXX bank. I had sent a test transfer to my personal account of {$27.00} which XXXX was correct which matches the account from chase photo that I will upload. On Monday morning XXXX, I went to confirm if it was sent and noticed the large transfer of {$4900.00} being sent out to another account. In the photo of MoneyNetwork, you can see it does not match the account number I have from XXXX XXXX I received no fraud alerts or notifications and it was sent. This was not authorized to me as you can see the accounts do not match from the {$27.00} transfer. I called MoneyNetwork XXXX and they assisted me with cancelling the transfer although it was patched through. They cancelled my card and provided a new one, and informed me to complete dispute form, which I did, and it was denied. I am on California XXXX and after research says it went to a XXXX in Florida, which would make no sense for them to collect California XXXX benefits. I live in California and so that does not make sense. Please review so I can retrieve my XXXX. I appreciate all the help. Thank you! I did my due diligence with the company and have call logs and photographs of attempts. MoneyNetwork was aware and was handling from the beginning. 

This is from my original complaint. I have photographs of my exact account and they proved in the last complaint that in was sent incorrectly from complaint XXXXXXXX  Their last statement proves they are claiming the wrong account and I have photos for my actual account. PLEASE REVIEW. I would really love some help and can't accept that this happens!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : MXXXX/DOFED  XXXX and XXXX/DOFED XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have had an XXXX XXXX XXXX XXXX credit card for many years. I hadnt used the card for quite some time and for that reason, I hadnt received any statements from them. In XX/XX/XXXX, I received a Pre-Legal Notification from Midland Credit Management stating that I had a balance due of {$13000.00} on a XXXX  XXXX XXXX XXXX XXXX credit card and that I should contact them. I spoke with XXXX XXXX on XXXX. She told me the last time the card was used was XXXX. I told her that they werent my charges. She said she would send that info to their Fraud Department. I received a new notice from Midland in XXXX. I called and spoke with XXXX XXXX on XXXX. He told me the account had been delinquent since XXXX and was placed for collection with them on XXXX. He also told me, that for some time, the address on the account was listed at XXXX XXXX XXXXXXXX XXXX XXXX, New York. I have never lived at that address, and I have never lived in New York. He said he would report this information and I would hear something within 90 days. I received a notice from Midland in XX/XX/XXXX requesting the details of my complaint. I reiterated everything above. Again, in XX/XX/XXXX, Midland sent another notice saying they were uncertain of what I was disputing. I wrote back, stating that I was disputing the charges of {$13000.00}, as I did not incur those charges, nor did I change the address on my account to New York, and that I want to report this as fraud. I just received another notice from Midland stating that I need to provide them with a fraud affidavit, which is why I am now writing to you.
Product: Credit card

About three months ago, I applied for a XXXX XXXX that was recommended by XXXX XXXX. Upon completion of the application, I was approved online but then I realized that they would deduct half of the amount on the XXXX fees. I called and declined to accept the card and was told that everything would be cancelled. For the last three months starting the last of XXXX, I have been receiving letters requesting payment for this cancelled account. I have called their customer service and they verified that the account was never opened nor activated. I just received another letter requesting payment which I am not going to pay. They have even threatened to report this to the credit bureau as a deliquent account. The individuals name on the letter is XXXX XXXX ( collections Department ). If I receive XXXX more letter from them I am considering hiring an attorney and also filing a complaint with XXXX my state. I am tired of the harassment and I am tired of them trying to get money from me that I do n't owe as well as threatening to report this to my credit bureau as a deliquent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$4100.00} XXXX  XXXX {$3000.00} XXXX  XXXX {$5400.00} XXXX  XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$3000.00} XXXX-XXXX  XXXX  XXXX {$13000.00} XXXX XXXX {$130.00} XXXX  XXXX {$9300.00} XXXX  XXXX  XXXX {$250.00} XXXX XXXX {$850.00} XXXX XXXX XXXX {$830.00}
Product: Bank account or service

I got a bill from paypal credit. I never signed for a credit acct. I always use my bank acct. to pay. they want XXXX plus interest. I notified them and their bank 6 times. still getting a bill.
Product: Debt collection

I checked my  XXXX  Credit report and I seen this company pop up as a open  account RMB INC with Huntsville Hospital it states that I owe money and it made my credit score drop it was reported not just once but 3 times on my credit report with only  XXXX  of them stat ed that it was included in Bankruptcy but the other  XXXX  was not reported in bankruptcy. I attempted to contact the company  two  times with no results I even left messages on Friday  XXXX  the  XXXX    XXXX   at  XXXX  in the morning they transferred me to the manager no answer and I left a message for him to contact me. I waited nothing I called back on Saturday  XXXX   XXXX  left a message no reply. I contacted my lawyer and legal charges will be filed if they do n't removed this off my credit report
Product: Money transfer, virtual currency, or money service

Opened " XXXX XXXX '' account in XX/XX/2018 in my name. Funded it with {$100.00} from my credit union 's checking account in my name. Without notice, warning, or explanation the account became blocked. After chatting it up with extremely professional customer service representatives I had the account unblocked. Why did it get blocked in the first place? It remains a mystery to this day! Decided to use the online bill-pay to test it out. Paid XXXX XXXX, XXXX, & XXXX. All credit cards. All in my name. The payments went out. Then I received an e-mail from XXXX XXXX stating that I had sent them a payment which came back " insufficient funds. '' I thought it was a phishing attempt or spam, because I had more than enough money in my account to cover the online bill-payments. It turned out my " XXXX XXXX '' account got blocked again! Thus causing all the credit card payments I had made to come back as " insufficient funds '' which is not true. I had and have sufficient funds. " XXXX XXXX '' whether knowingly or not, whether on a technicality or not, did not tell the truth about my financial status to my credit card companies. In defamation and libel cases, even if there was no intention on the part of " XXXX XXXX '' to have done this - it is no defense under the laws of the State of California. So of course, I called up " XXXX XXXX. '' I was told my account got unblocked and the payments would get disbursed to the payees, and not to worry. Well of course, that didn't happen. The account got blocked again, or I was misled. Because of " XXXX XXXX '' - payments bounced to XXXX XXXX, XXXX, & XXXX. I have had good positive relationships with those credit card companies. Then this happened! I even received a letter from a company called " XXXX '' about these " insufficient fund '' transactions. All of these different counts of defamation and libel. It was and it is simply not true. I called " XXXX XXXX '' up and was told someone would get back to me. They never did. No call from a supervisor. No " bedside manner. '' None of it. I probably would have been okay with some kind of resolution from a higher up at " XXXX XXXX. '' But that didn't happen. I wrote a letter to " XXXX XXXX. '' No response. Then I stepped it up with a demand letter. A response from an " XXXX XXXX '' in XXXX XXXX XXXX. Now I wait. I do not want anyone else to go through what I have. It is not worth it. This is not the same " XXXX XXXX '' that the XXXX family put into place. To say I am disappointed is an understatement. I am sad. 

Your Desired Resolution : {$10000.00} and a handwritten apology from a " XXXX XXXX '' executive.
Product: Debt collection

I have recently discovered that XXXXXXXX XXXX XXXX accessed my credit report without my consent. According to the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), any entity must have a permissible purpose to pull a consumer 's credit report. Since XXXXXXXX XXXX XXXX is not the original creditor with whom I have an account or any existing financial relationship, their action to pull my credit report without authorization is a violation of these regulations. Collection Entry Dispute : Additionally, I have noticed that a collection entry has been added to my credit file by XXXXXXXX XXXX XXXX. However, it is important to note that XXXXXXXX XXXX XXXX  is not the original creditor for this debt. As such, XXXXXXXX XXXX XXXX  is required to provide verifiable information regarding the debt in question, including proof of ownership and the details of the original creditor, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In light of these issues, I request that : Immediate Removal of Unauthorized Inquiry : The unauthorized credit inquiry made by XXXXXXXX XXXX XXXX be removed from my credit report. Verification of Collection Entry : XXXX XXXX XXXX provides verifiable information to substantiate the collection entry on my credit file. If they are unable to provide this information, the collection entry should be removed. I already removed fraudulent inquiry this company had no permission to pull. I will be filing a lawsuit against company. This company needs to follow guidelines of the ftc. Reporting incorrect balances and also illegally pulling credit. I know my rights and guidelines when it comes to collections illegally reporting and inaccurately reporting false info. You have to get my written approval to pull credit. I will constantly make sure i will keep pressing on this issue until this is removed since it was already removed and and now currently reporting. Also you have to verify information regarding this company has not provided information. I will make sure this company will be on the block list. This company already has complaints regarding illegal reporting. I will certainly make sure this company is completely block for neglecting to provide any information to verify accurate info
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Experian that I have not received anything from these companies and these accounts were opened as a result of FRAUD. These accounts need to be deleted and blocked from my report for XXXX XXXX XXXX XXXX & XXXX XXXX. 
Thank you in advance for assisting me with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act [ WESTLAKE FIN XXXX XXXX XXXX has violated my rights. This happened in the Months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.