23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In early 2020, when covid first started, my husband 's hours were being cut. I called our mortgage company at the time, XXXX XXXX, to see if we could make a smaller payment, just for that XXXX month. I was told no. They told me about the forbearance option that they had. I asked for XXXX month and was told I HAD to do it for XXXX months. So we decided to go a head with it, since were unsure of what would happen over the next couple of months. I asked right then, about the repayment options. I was given XXXX. Pay in full after XXXX months, pay in a XXXX months of installments once the XXXX  months was up, by adding it to our current payment or add it to the end of the loan. Before the forbearance ended, in the third month, I called XXXX and told them that we no longer needed help, we would start paying our normal payment. ( I was getting calls from an automated system, asking if we needed a longer forbearance ) I asked if we could put those XXXX  payments at the end of the loan, and then was told that ours did not qualify for that option. Of course. Even though I was told before, that it was an option. So, we decided on the XXXX month repayment, which we are currently paying with our normal mortage payment. I saw that on our monthly statements, it showed we owed quadruple of our house payment. I called and I was told that they were in process of correcting it, they just had so many people with forbearance, that it could take time. I called one or two more times after that and was assured that I had nothing to worry about. Our loan was then transferred over to Shellpoint. It probably happened around XXXX. We wanted to look into refinancing or selling our current home to buy another, but were told that the report shows us XXXX days behind on our mortgage payments. I have NEVER missed a payment. We've only ever done the XXXX  day forbearance, which they made us do, even though I only wanted one month of a lower payment or one month forbearance. I also emailed XXXX regarding this issue. Our statement with Shellpoint, also shows the same that XXXX was showing. It says on the most current statement, datedXXXX, that our payment amount due is {$4100.00}. Our normal monthly payment is {$1400.00}. It says we {$2600.00}, is our " unpaid amount ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX companies are pulling my credit report causing inquiries through equifax I have called fem sent in all documents and they are still on my report they are unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been a victim of identity theft I have sent relevant information and documents. There are 4 accounts open with NFCU. Each of them have been reporting on a month to month base. The accounts are theft by a family member. I have sent information certified mail. I cant open any services with NFCU, due to the incident and I will like them to take care of it.
Product: Debt collection

Oliphant USA , LLC placed a collection on my credit report without contacting me about the alleged debt a not allowing me my right to dispute and investigate. Had they done this they would have found this debt was included in a debt consolidation program with XXXX XXXX XXXX and has been paid in full ( proof attached ). In my previous complaint they responded to the CFPB and said they would remove the negative entry on my XXXX report. They did but to date, it still shows active on my XXXX report. 

After I complained to the CFPB they then decided to send a collection letter to my home and Im immediately responded with a request for validation. What they sent was a general collection letter and some kind of spreadsheet with no unidentifiable information. Not on any letterhead. No receipts/invoices from original creditor. This is unacceptable. 

However, this is all a moot point since this debt has been satisfied and This agency is trying yo collect in an already satisfied account. 

I want this agency to remove the collection from my XXXX report and a cease and desist letter immediately.
Product: Debt collection

Heres a formal complaint you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding the issue youre facing with the " I C System '' collection item : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Unverified Collection Item on Credit Report Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding an inaccurate collection item listed on my credit report. The account in question is from I C System with an open balance of {$2000.00}, opened on XX/XX/year>, as reflected on my report. The item has been placed for collection, and I have disputed it multiple times, but the creditor has failed to provide sufficient verification for the accuracy of this debt.

Despite my formal dispute and request for proper verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, the item remains on my credit report, which is damaging to my credit score. The account is marked as Account information disputed by consumer, yet no proper resolution or removal has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked for a company named XXXX XXXX  that I left employment in XXXX of 2017. In that employment they paid me through a commission draw account. After I left employment with the company they asked for {$2400.00} back of Commission paid through the account and sold it to a collections company ( XXXX XXXX XXXX   XXXX ). I live in New York and any Commission paid through a draw account is Illegal and not a debt. I contacted the 3 credit bureaus and informed them of that and XXXX and XXXX XXXX removed this from my credit report. XXXX is refusing to remove this from my credit report and told me that the collection company has to and they have refused to remove from my credit report violating the law.
Product: Credit reporting 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 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 a 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: Mortgage

CFPB Case # : XXXX As per you response of above inquiry, If the consumer wishes for RTR to send him copies of this correspondence, he should email RTR and provide his consent to receive these documents electronically via email. 

At this time I will like to provide my consent to receive copies of all the notices and statements you have mail to me since XXXX XXXX  till now via email address XXXX. Due to the size of attachment restrictions by the email provider, it is OK to send multiple emails. 

If this can not be done by email I will reserve my right to and ask that you provide copies of above by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have accounts on my reports that is either not mine or inaccurate : 1. These inquiries were not authorized by me. I believe someone tried to use my name to fraudulently open credit card accounts. 
XXXX XXXX Date of inquiry : XX/XX/2022 Remove immediately and confirm in writing. 

2. This account was never paid late. I made an agreement with the lender and paid as agreed. These supposed late payments are also fall under the protection of The CARES ACT Regulation 5. 
XXXX Account Number : XXXX Please removed these inaccurate late payments from my account immediately and change to paid as agreed and confirm in writing. 

3. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

4. This account is inaccurate. The Date Last Active is prior to the Date Opened which is impossible along with other inaccuracies. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

5. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
11 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

6. This account is false and misleading. It is fraud on the part of the creditor. 
XXXX XXXX XXXX XXXX. This doctor is charging me for services for braces that my child never received. 
Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

7. UNKNOWN. I believe this account to be fraudulent. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing.
Product: Mortgage

In early XX/XX/XXXXI applied for a mortgage refinance as required by my divorce decree through " XXXX XXXX '' since they had brokered the current mortgage with The Money Source.  The process made it through collateral approval. I was then suddenly denied with no explanation. On or about XX/XX/2018 I applied for a mortgage modification, and was ultimately granted a SPECIAL forbearance. During the time of my special forbearance they canceled my forbearance because my ex wife didn't sign a document that I was promised she didn't have to sign in the first place. I was originally told I was the only who had to sign and was sent the according documents with a signature line for my ex wife. I was told only I needed to sign return the forbearance with her signature line, I insisted they send me the Special Forbearance agreement without her name and they suddenly terminated the special forbearance and sent the mortgage to foreclosure. I complied with everything up to the point they sent it to foreclosure. I contacted the trustee and paid to reinstate the mortgage. I contacted The Money Source and made arrangements to pay the back taxes and start paying regular payments again starting in XX/XX/XXXX, I sent the back taxes via XXXX and began making payments as agreed, then they returned the cashiers check I sent for the taxes as instructed with no explanation. Next I received a notice my XX/XX/XXXX payment mailed with plenty of time was not accepted and offering me " borrower assistance '' It turned out they were still trying to make me pay taxes and insurance in my payment and had held crediting my XX/XX/XXXX payment without notifying me. I called and again got this " no impound account situation '' corrected and was told by XXXX to make my original payment. But now it appears The Money Source held my XX/XX/XXXX payment and posted it XX/XX/2018 compromising me again-this payment was a cashiers check drafted XX/XX/2018 and sent with the first week of XX/XX/2018 USPS. Additionally, early during the many mortgage modification/special forbearance phone calls with The Money Source, I was told I would be granted a SPECIAL refinance to solve this issue, after I was promised this refinance they shortly after denied me for unknown reasons. After that had happened " The Money Source '' then told me just send in your divorce decree and we will take your wife off and restore her credit. I provided the documents and this was also reneged upon. This is still an on going issue and is a true burden on me.
Product: Credit reporting 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 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written 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 and crimes which antedates the report by 7 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
Product: Credit reporting or other personal consumer reports

To XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Phone : XXXX Subject : Formal Dispute Resolution XXXX XXXX ( Acct : XXXX ) ** Dear XXXX & XXXX XXXX Representative XXXX XXXX am formally disputing the incorrect charge-off listed on my XXXX credit report for XXXX XXXX due to errors in reporting, failure to notify me, and potential IRS non-compliance. 

Account Details : Creditor : XXXX XXXX Account Number : XXXX Status : Charge-Off Date Reported : XX/XX/year> Issue : Account was settled, yet still marked as charge-off, with no IRS Form XXXX issued Reasons for Immediate Removal or Correction : The account was settled in full, yet still marked as a charge-off. 

This account was legally settled for less than the full balance, meaning it should not be reported as a charge-off but rather as " Settled Paid in Full. '' The reporting misrepresents the true status of the account, violating Fair Credit Reporting Act ( FCRA ) guidelines. 
Failure to Notify Me of the Charge-Off ( FCRA Violation XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) Under the FCRA, creditors must notify consumers before reporting a charge-off to the credit bureaus. 
XXXX XXXX never sent me any notice informing me of this charge-off before it appeared on my report. 
Failure to Issue IRS Form XXXX for Canceled Debt ( IRS Violation XXXX XXXX. XXXX ) If XXXX XXXX canceled {$600.00} or more of this debt, they were legally required to issue Form XXXX and report the canceled amount to the IRS. 
Since no XXXX was issued, this charge-off is either invalid or should not exist on my credit report. 
Requested Actions : Remove the charge-off from my credit report immediately to correct this reporting error. 
Update the account status to " Settled Paid in Full '' instead of " Charge-Off. '' Provide documentation proving I owed a balance after my settlement agreement. 
Provide written proof that I was notified before this charge-off was reported. 
Confirm whether XXXX XXXX reported this charge-off to the IRS and provide a copy of Form XXXX if applicable. 
If no valid proof exists, issue a formal statement confirming the charge-off was incorrectly reported. 

Under FCRA ( XXXX XXXX. XXXX ), you are legally required to investigate and respond within XXXX days. If this charge-off is not removed or corrected, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the IRS for investigation into non-compliance with tax reporting laws. 

Please confirm receipt of this dispute and provide written confirmation of the resolution. You may contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX XXXX XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX account number ( XXXX ) on XX/XX/XXXX. an auto loan account opened at FLAGSHIP CREDIT under the account number ( XXXX ) XX/XX/XXXX, a XXXX XXXX XXXX account under the account number ( XXXX ) on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am currently XXXX to XXXX XXXX and was in need of cash. I contacted Navy Fed to have money sent to me via XXXX XXXX, which is one of the services advertised as available to me as a Navy Fed member. Because it was sent from an institution rather than an individual, the local XXXX XXXX locations ( I tried 4 different ones ) were unable to process it. I contacted Navy Fed and was told " oh, we've had a problem with this. '' After spending 4 days going back and forth between Navy Fed and XXXX XXXX, still unable to access my money, I asked that the money be returned to my Navy Fed account. I was then informed that it would take 3 months to get back. If I had been warned that Navy Fed had previously experienced a problem with XXXX XXXX and that if I experienced the problem it would be 3 months before I got my money back, I would never have gone through with the transaction. I have spoken to several Navy Fed agents and escalation agents who have all taken the position that " it's not our fault, it's XXXX XXXX 's fault, so we can't help you. '' I don't bank with XXXX XXXX, I bank with Navy Fed and expect Navy Fed to stand by whatever third-party companies they do business with. When there is a problem, I expect that Navy Fed, who I bank with, will work to resolve that problem. Making me wait 3 months, while XXXX, to receive my money back is not resolving that problem.
Product: Money transfer, virtual currency, or money service

I got scammed on XXXX by someone who has tickets but wasnt intending to sell them to me. They got about {$390.00} dollars off of me before they decided they were going to keep my money and the tickets before blocking me on XXXX and leaving me without my money and without the promised tickets
Product: Debt collection

Demands I send them money using a prepaid credit card instead of me sending them payments through my bill payer. It 's a credit card debt I had several ago and they Premium Asset Services LLC. They have just started calling me this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account should be marked paid up to date. Not late on any reporting agency. 
I spoke with the company to remove these. And update my payments they agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting these companies since XX/XX/XXXX!! I have not received not ONE letter or ANY updates on my credit report. There are duplicate accounts reporting along with inaccuracies across my entire credit report. I was lenient and sent them another letter and still NOTHING. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated please find attached. 

They need to be removed because at this point its been over 60 days since I sent them letters to investigate and nothing has happened and nothing was verified.
Product: Money transfer, virtual currency, or money service

My coinbase account got hacked and all funds were stolen and transferred to several unknown crypto coin addresses. Also funds from my checking account were extracted and transferred to coinbase and cryptocurrency was bought without my knowledge nor authorization with said money. Coinbase claims I have to pay them the amount of {$2300.00} USD which is the money extracted without my knowledge from my bank account. I opened several claims with Coinbase but to no avail, coinbase claims that it was not their fault my account was hacked and my funds stolen. I claim that my account was secured by utilizing the security methods they recommend. Also the funds that I had stored over the years in Coinbase for the value of XXXX USD got stolen and removed from my account. 

Coinbase Balance XXXX XXXX XXXX XXXX XXXX XXXX USD Value : XXXX XXXX USD Amount Value at transaction TOTAL : XXXX USD XXXX BTC XXXX XXXX XXXX BTC. 

Coinbase Opened cases # : XXXX, XXXX, XXXX Total Amount including Coinbase Funds Claim : XXXX USD. 
https : //www.coinbase.com/about
Product: Prepaid card

i requested to get the numbers for the VanillaGift card i purchased for {$190.00} this evening at about XXXX, they said they will not replace it until they do a review that can take XXXX business days and wants me to send in a copy of my drivers license, i need this money to pay a bill