23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had to go into a forebearance during XXXX in XXXX of XXXX, I did so on 3months of my mortgage payments. I was then offered a partial claim with a loan modification to get my loan up to date. This process started in XX/XX/XXXX. At this time my new mortgage payment was to be {$940.00}, my original payment was {$1000.00}. I spoke at length with a XXXX, initials XXXX regarding all of my new terms and why my mortgage was a new lower monthly payment. XXXX informed me that when they went to do my partial claim they realized I was also eligible for a modification with a new rate of XXXX bringing my new mortgage payment to the {$940.00}. I then signed my packet, had it notarized and sent it in. I then received the partial claim papers with terms but the modification portion was not upheld. I called and spoke with XXXX who assured me the new lower payment was in fact what I should be paying and that she would investigate this error. Many months and many hours trying to get an answer and this issue rectified and I am still waiting on this explanation. I then got a hold of a XXXX, XXXX XXXX and we spoke hours and shared many emails. XXXX informed me she was escalating this issue and would let me know. It has been over a year at this point and my emails to XXXX have now gone unanswered. I am beyond frustrated and I am seeking not only an answer but I want my modification to be upheld, as I have the letter and signed documents agreeing to the new payment amount. It seems to me that once my partial claim was paid out, Cross Country Mortgage cares less about my modification terms. I have diligently tried to get at least an explanation, XXXX and XXXX have never bothered to supply me with one and have not returned an email since XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX. - Account Number:XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account NumberXXXX Please Update all payments, all pay was made on time.
Product: Credit reporting or other personal consumer reports

I been disputing these unknown accounts on my report and learned they all originated by unauthorized use of my information. I have now sent in my FTC report because I never authorized these fraudulent accounts to be opened.
Product: Prepaid card

I received the Amex gift cards ( 2 cards with total value of {$200.00} ) from my employer. I tried to activate them today ( XXXX XXXX ) through all the methods they provided ( calling their number : XXXX, and going on to their activation website ), but they told me the information I provided was wrong and I failed activating them. 
I also tried to use it at local stores but none of them worked.
Product: Debt collection

It has been two months that I have been asking for verification, still have an unverified account from MIDLAND FUNDING LLC. I had previously disputed this account. I have never done business with MIDLAND FUNDING LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MIDLAND FUNDING LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDLAND FUNDING LLC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

Dear Sir or Madam : I am writing to file a complaint against the following third party companies trying to collect on a debt for almost 2 to 3 years now that does not belong to me. I have written them along with all 3 credit bureaus to validate the debt with a copy of my Photo ID or signature, however it has never been provided. They are only sending me a copy of a bill with an old address and they are still reporting this debt. 
XXXX XXXX XXXX # XXXX {$410.00} Acct closed XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX # XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX {$210.00} XX/XX/XXXX 2 ACCTS : PORTFOLIO RECOVERY # XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AND {$510.00} XX/XX/XXXX XXXX , VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding inaccurate information that was being reported regarding my bankruptcy. My case number was not being accurately reported. Several attempts were made to dispute the information on my credit report. Experian and XXXX  report that the dispute was verified and accurate and that the reporting 3rd party agency XXXX reported the information as accurate. According to XXXX, no dispute was ever submitted and the Southern/District of California stated that they do not report to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have maintained a credit score in the 800+ for the past 20 years. 

On Monday XX/XX/XXXX, I applied for a home equity line of credit and was advised by the bank that my credit report showed a charge-off and collection status for an XXXX XXXX account in my name. This information was reported to the credit reporting agencies by XXXX XXXX ( XXXX ) in or around XX/XX/XXXX. Therefore, my application would not go forward. 

Between Monday XX/XX/XXXX to today ( Thursday XX/XX/XXXX XXXX, I have made over 100 telephone calls and sent several e-mails ( copies attached XXXX to XXXX. XXXX has not issued the letter they promised to send me stating that the report they made to the credit bureaus was an error and would be deleted from my account. E-mails and telephone calls to the chairman 's office and executive office have been ignored. XXXX refuses to provide any information whatsoever regarding the application information associated with this account they provided to the credit reporting agencies. I also filed disputes with the credit reporting agencies but the incorrect information reported by XXXX report WILL NOT BE REMOVED until XXXX initiates removal. I HAVE NEVER APPLIED OR CARRIED AN XXXX CARD. I HAVE NEVER LIVED IN TEXAS. 

3. I have lived at two ( 2 ) addresses for the past 30 years in homes jointly owned by my wife and I. I never lived in Texas, but XXXX XXXX reported a Texas address associated with the derogatory account information XXXX reported to the credit bureaus. I never receive a call or any mail regarding this account from XXXX or any collection agency. I have been married ONCE and will celebrate 30 years next month. ALL CREDIT APPLIED FOR IN THE LAST 30 YEARS HAVE BEEN DONE JOINTLY WITH MY WIFE. 

4. I am now withdrawing the needed funds from my 401k and will have 20 % withheld as well as other penalties. 

5. I am over XXXX years old.
Product: Debt collection

Hello, This company sent TWO letters to an address NOT associated with ME! Has never been associated with ME!

They sent two letters to XXXX XXXX XXXX, XXXX NJ. 

That address has never been on file with XXXX  XXXX XXXX ( the credit card owed ). 

The person residing at that address now knows personal business of mine. 

This is unfair and a violation of the Fair Debt Collection Practices ACT. 

I am entitled to {$1000.00} per violation so {$2000.00} in this case ( 2 letters ) I will contact my attorney ( XXXX XXXX ) in case that this is not resolved correctly.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, at XXXXXXXX XXXX. Eastern Standard Time, I transferred XXXX units of the XXXX cryptocurrency from my XXXX wallet to my COINBASE WALLET wallet. However, I have not yet received the XXXX deposit, although this type of transfer is usually processed and completed in less than 5 minutes. 
On XX/XX/year>, I opened a query with COINBASE via CHAT and the attendant informed me that the network was experiencing delays and that they were already resolving the issue. I waited a few more hours and, having still not received the deposit, I initiated a new call on XX/XX/year> and they told me that the problem had already been resolved, that they were in possession of my deposit and that they would soon be transferring it to my wallet, but that did not happen. I opened a few more calls through CHAT, we always knew that the problem had been resolved, but they never gave me a date or time that I would receive my XXXX deposit. 

On XX/XX/XXXX, I contacted Coinbase again via CHAT, where I was assisted by XXXX XXXX, who then informed me of the protocol number ( case support ) XXXX, and once again I did not receive any forecast regarding the receipt of my asset. 
On XX/XX/year>, still without having received my XXXX asset, I filed a COMPLAINT with COINBASE, but until the time of filing this COMPLAINT, I had not received my deposit. 
According to the email from XXXX XXXX of the XXXX  support team, my withdrawal/transfer of XXXX to COINBASE had been successfully confirmed, therefore my assets were already in COINBASE 's possession since XXXX XXXX on XX/XX/year>. 

I have been contacting Coinbase every day since XX/XX/XXXX. Every day they change their narrative. First they said the network was experiencing delays, then they said my asset was safe and that they would credit it to my wallet soon, then they informed me that the asset had already been credited to my wallet, but that is a lie. And now finally they told me that my wallet address does not belong to Coinbase Wallet, which is another lie because the address is from Coinbase Wallet. 

TRANSACTION DATE - XX/XX/year>, XXXXXXXX XXXX AMOUNT - XXXX XXXX XXXX  Transaction / On-Chain transaction ID - XXXX FROM ( XXXX ) - XXXX TO ( Coinbase Wallet ) - XXXX Blockchain XXXX  - XXXX XXXX XXXXXXXX User ID Coinbase - XXXX Coinbase Wallet username - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency ( CRA ) is reporting accounts that is not mine. Accounts were in litigation, I went to court and won both cases judgement in my favor. CRA still reporting accounts on my credit report after proof was submitted and court documents. 

Please see attached documents
Product: Mortgage

During the home buying process, my lending company ( US Bank ) sent my home appraisal to the seller without my authorization and approval via email in which I received a courtesy copy of it on XXXX XX/XX/2022. When I questioned the loan officer about why my appraisal went to the seller, the loan officer replied he did it as a " courtesy ''. I have purchased and sold numerous homes and never once have I had a situation where my lender reached out to the seller providing them with any documentations as a " courtesy ''. In addition, a previous conversation with the Loan Officer when questioning about where the down payment would be coming from in the form of 25 % of the house, the loan officer stated that US Bank had to verify that i was not a " drug dealer '' which was offensive since i am a minority.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account reporting on my credit that was opened by someone other than me. The account is CCS Collection/nationwide. I have requested that this collection be closed and that this account be removed from my credit report as its categorically not mine.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

I previously filed a claim due to unauthorized charges on my accoun from XXXX for over XXXX dollars. These charges were unauthorized by me and I explained my phone was stolen and that a phone that was on my acct as a trusted phone did not belong to me an XXXX. I have had to file a previous claim with you for charges that occurred after this complaint which is under review where I had. Attached a police report. These charges were not mine and I have been serverly incoinvenced do to these transactions which have caused me to be late on rent and are causing real problems. I would like my money returned to me.
Product: Vehicle loan or lease

R car has a XXXX balance of late fees that we aquired durin covid and we paid for gap and no one told us that the loan was done so we lost all the gap money we were owed. We have asked for them to waive that XXXX and give us the title to the car and they wont they said we have to pay they was gon na talk to someone higher up but they just keep playing games. Durin covid we struggled and when our loan was paid all we owed was late fees which they said they waived they lied. I want my title and the gap money we r owed
Product: Debt collection

I received XXXX services at a hospital in XX/XX/XXXX. Around XX/XX/XXXX, I discovered a collection account on my credit report from XXXX. I immediately contacted them, and we uncovered that the bill for services had been incorrectly sent to the hospital 's address, rather than my own. They reissued the bill for {$51.00} correctly and stated that the account would be withdrawn from collections and my credit report fixed. I then promptly paid the bill. Over the next several months through XX/XX/XXXX I repeatedly inquired from both creditor and collection agency why the collection account has not been closed and why my credit report had not been collected. Both parties assured me it was being would be taken care of, but over the course of six months it remained open and the untrue damaging information remained on my credit report. As I write this on XX/XX/XXXX, the open collections account is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 20 collections from Central Financial Control on my credit report for XXXX XXXX they were removed and some how replaced back asked for documents and bills to verify each account still no verification but its being reported on my credit
Product: Debt collection

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possibl
Product: Credit reporting or other personal consumer reports

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor 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. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. i hired a lawyer to sue them to find out who did this to me if its my x husband or another family member this is the tracking number of usps that i sent to the XXXX XXXXnd equifax and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested for XXXX, Equifax and XXXX to delete a inaccurate and unverifiable bankruptcy from my credit report. They failed to do so. Which is in violation of 15 USC 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX and XXXX account # 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 2 : It also states a consumer reporting Agency can not furnish an account without my written instructions. It also has another violation having late payments being reported on my account ... .15 USC 1681- ( 2 ) ( A ) ( I ). ( 2 ) EXLUSIONS ( A ) subject to section 1681s-3 of this title, Any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a transaction. In 15 U.S.C. 1681a definition ( a ) the term " Consumer '' means an individual and ( b ) term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I have been violated by the credit bureaus and this is hurt my credit and this causing me to be denied credit. And I want these accounts removed immediately!!!!
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and found inaccurate information regarding an account. This account is either incorrect or doesnt belong to me, and its negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative accounts on my credit report. I 'm a   XXXX    XXXX  veteran, which suffer from getting help with certain services due to inaccurate reporting-which is hurting my credit scoring. After several requests to provide documents to validate the debt below, Ive been denied copies. I feel my rights under the FCRA have been violated  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$19000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  Balance : {$5400.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$4400.00} Last reported  XXXX   XXXX  ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$55000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$23000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$17000.00} Last reported  XXXX   XXXX  , 2017    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  Balance : {$2200.00} Last reported date  XXXX   XXXX  , 2017      XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Balance : {$840.00} Last reported date  XXXX   XXXX  , 2017