23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, On XX/XX/2022 my husband lost his job due to cutbacks at the company he worked for. We sold some personal belongings and scrapped along to pay our mortgage. But, by the middle to of XXXX, we knew we were going to fall behind. At that point, my husband, contacted our home loan company, LoanCare, and told them our situation. We have an FHA backed loan. They told us to go to their website and fill out the loan assistance paperwork. We did that on XX/XX/XXXX. On XX/XX/XXXX XXXX requested specific documents be sent over via email. My husband and I gathered everything that was requested and sent it over on XX/XX/2022 at XXXX. 
We were assigned a Mortgage Resolution Advocate, XXXX XXXX, on XX/XX/2022. We were given a specific phone number and extension so that we could reach out to XXXX XXXX XXXX, if needed. 
On XX/XX/XXXX we received a request in the mail from LoanCare asking for another document, a monthly budget statement. My husband and I had already sent this over in the email on XX/XX/XXXX, but we went ahead and sent it over again. We also requested, in that email, to have XXXX XXXX XXXX  call us with an update on the loan assistance. We have never received a response via email or phone on the status of our requests. My husband is still unemployed. He is also XXXX  with XXXX XXXX and the stress of this has taken a toll on his health. We have tried calling XXXXXXXX XXXX XXXX at the toll free number provided to us but when we call we only get a loan assistance officer working from a call center. When we ask to be transferred to XXXX XXXX XXXX extension that was provided to us we are told " We have no way of transferring to an extension. '' So, we are stuck not knowing what is going on or how to contact anyone about our request for loan assistance. My husband email AGAIN on XX/XX/XXXX and we have received no response. 
After doing some research on the internet I found that LoanCare is notorious for not following up with people and then blaming them for not sending over the requested paperwork in time to provide loan assistance. I was under the impression that having an FHA backed loan provides us with more assistance options. But, since we are unable to get a hold of anyone at LoanCare in the Mortgage Assistance Department, we can't get answers to our questions. This is all been very stressful. We have been in our home for 19 years, made every payment on time, but have fallen into a difficult situation for the first time in our lives. It frustrates us that we, as Americans, don't do more to help those that have a track record of paying on time and doing the right things. We do not want to move from our house. It is equipped to handle my husbands handicap issues and moving is not an option if we can just get a little assistance until my husband finds a new job. 
We hope the CFPB can reach out to LoanCare and get them to follow up with us. Its been over a month since we first contacted them. 

Warmest Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a federally protected CONSUMER under Title 15, Chapter 41, a natural person, and the original creditor in all consumer credit transactions I have participated in. 
Statement of Facts : XXXX. I, known as XXXX XXXX have been a victim of identity theft. A fraudulent account was opened in my name by XXXX XXXX without my authorization. 
XXXX. Congress found that the purpose of The Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, TransUnion, and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. 
XXXX. XXXX is aware and has proof in the attachments labeled as Exhibit A, B, and C that TransUnion is in violation of multiple provisions under the FCRA, including but not limited to : *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) *Other relevant provisions , including maximum possible accuracy under 15 USC 1681e ( b ). 
XXXX. If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 
XXXX. DELETE THIS UNAUTHORIZED ACCOUNT AND ISSUE ME A NEW, UPDATED COPY OF MY CONSUMER REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these names and address are incorrectly reported on my credit reprt report. Most are very old address that I have requestez to be removed. Namez of which are not mine. 
Social security number that does not belong to me : XXXX This is in violation of 15 USC s2 A person shall not furnish any information relating to a consumer to sny cinsumer reporting agency if the person knowz or has reasonable causw ro believe that information in incorrect.

In addition under 15 USC 1681a ( 2 ) ( 1 ) under exclusions. Right to privacy Fair Credit Reporting Act protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. 
Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is incorrect and I have asked to please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I disputed {$720.00} in collections in either XXXX. Instead of sending me information to confirm this debt as accurate, the case was closed with the remarks " dispute resolved, customer disagrees. ''
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users invulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Credit card or prepaid card

I have attempted multiple times to try and resolve an issue with US Bank Credit Card services since XX/XX/XXXX. 

After making several phone calls, being hung up on multiple times with no call back, I feel my issue is nothing of importance to US Bank. I have had nothing but problems with US Bank card services over the past XXXX years. 

I have a charge on my statement for {$350.00} that posted on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I never authorized or signed for a charge for this amount. I did authorize a charge for {$180.00}. I have attached my receipt with this complaint. 

I want my credit card credited back for {$170.00} for the unauthorized charge back immediately. I don't have any other choice after this but get an attorney if the charge is not credited back. 

US Bank needs to severe work on providing any sort of satisfactory customer service. They do not follow up with customers regarding matters of urgency. 

-XXXX XXXXXXXX XXXX
Product: Debt collection

A long time ago I switched my phone services from XXXX to XXXX ( who happens to be owned by XXXX ) to lower my cost. XXXX continued to bill me for unknown charges after my switch. I had no legitimate debt owed to XXXX. I have continued my services with XXXX XXXX for more than two years.
Product: Debt collection

I called the debt collection agency ( Professional Collections Bureau of Maryland ) on XX/XX/XXXX to make an offer to settle my debt. I gave them my available hours and asked them not to call me during work. I attempted to contact them and negotiate on XX/XX/XXXX, XXXX, and XXXX I did not receive a counter offer or payment options at any of these days. On XX/XX/XXXX the agency attempted to call me during my work hours. On XX/XX/XXXX I returned the call in order let the agency know that they called during my work when I had requested that they do not call and tell them when I would call them again. Later on XX/XX/XXXX the agency again attempted to call me during my work hours. Today, XX/XX/XXXX I called the agency again and received the first counter offer which was greater than the initial borrowed amount. I called a second time on XX/XX/XXXX to discuss a payment plan during this conversation they discussed the additional fees that they would charge during this process and refuse to give me an acceptable minimum regular payment without information on my income ( My current contract of employment expires this month and I do not have regular income going forward ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file for litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Credit card

I have always been Billed with a mid month due date on my American Express Card. I receive paperless statements and for years have had no issues. This month, my billing date moved up 10 days from when it is normally due WITHOUT NOTICE. I pay my bills 2X a month and happened to be setting up for my mid month cycle only to find my payment was due today. This has to be a violation of reasonable terms as they shortened my billing cycle grace period by at least 10 days and had I not logged in today, I would have been hit with interest and late fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the blocking and deletion of multiple fraudulent accounts and inquiries appearing on my credit report as a result of a data breach and identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be immediately blocked and deleted from my credit file. 
Below are the details of the fraudulent accounts and inquiries : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection item by XXXX XXXX XXXX, receive a email from Equifax and XXXX that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. XXXX on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.
Product: Credit card

XXXX XXXX XXXX XXXX 's mastercard XXXX was charged {$23.00} twice. it should only have bee charged once. boa refuses to correct problem. 

i set up billing dispute XXXX for {$23.00}
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, TitleVI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Vehicle loan or lease

I did not apply for credit or provided authorization for pulling my credit report for this loan.
Product: Debt collection

I a bill in XXXX 2015 from XXXX XXXX XXXX about the " professional component '' of my emergency room visit to XXXX XXXX XXXX for the amount of {$620.00}. I called my insurance company ( XXXX XXXX ) and they said that it is covered by their XXXX XXXX and that I should not have received a bill. They sent XXXX a " Balance Bill Letter. " Later, on XXXX XXXX ( Dated XXXX XXXX 2015 ), I received a courtesy notification from Client Services Incorporated for the same bill that it will be going to collections in 30 days if I do not dispute it. I want to dispute it, but I do not know where to send the letter since there are XXXX addresses on the bill and do not specify where to send the letter of dispute. I am afraid to call them again because when I did they were very abrupt and kept changing the subject and asked me for my personal information like what is my previous address. They also said that it will go to collections on XXXX XXXX since they received it on XXXX XXXX. How do I keep this off of my credit report? I am willing to pay it if I know I will be reimbursed later but it is unclear if it 's XXXX XXXX 's or XXXX 's responsibility.
Product: Mortgage

On XX/XX/XXXX youll seem on Page # XXXX with the letter dated XX/XX/XXXX from Wells Fargo to where they confirmed that they received the Mortgage Assistance Application and on Page # 1 they mentioned that theyre determining which payment assistance may be available. However on the letter dated XXXX XXXX Wells Fargo is lying by stating that they havent received anything on XX/XX/XXXX. These are evil and vindictive Customer Service Representatives. To whom are pretending to be Executives in the Office of the President but are just Customer Service Representatives who works at a Cubicle. And the mystery Preservation Specialist in the past hasnt returned any phone calls or been in touch with the third party. Plus they continues to harass me by sending letters addressed to XXXX XXXX who is mentally incapacitated and hasnt lived here since XXXX and hasnt been seen or heard from in nearly 8 years.
Product: Consumer Loan

I had contract with Honor Finance for a car that they financed ( XXXX XXXX XXXX ). Each and everyday, Honor Finance would call, text me then send an email to my employer 's email regarding payment. I have asked verbally, and have sent written notification for Honor Finance not to call or send emails to my job, but they continue to ( see attached ). About a week ago, I traded the XXXX XXXX. I spoke with XXXX XXXX and let him know that I no longer have the car and to contact XXXX. XXXX was furious and after a few words, abruptly hung up the phone on me. Calls and emails continue even as of this date XXXX XXXX, XXXX and I am stressed out and harassed by Honor Finance customer service and XXXX XXXX. I need for this to stop as it has elevated my XXXX XXXX. If you look at my emails from XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX where I clearly state for Honor Finance not to send emails to my job, BUT, they continued to do so. XXXX XXXX always threatened to take the car and report a bad rating on my credit. He even told me that he was doing me a favor by letting me keep the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$1700.00} DEPT OF ED/XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$3000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX  XXXX {$5000.00} XXXX XXXX {$130000.00} XXXX/XXXX  XXXX {$270.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX  XXXX {$78000.00} XXXX/XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$2800.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding TransUnion 's failure to respond to multiple dispute letters I have sent over the past few months concerning inaccuracies in my credit report. 

I initially sent a dispute letter to TransUnion on XX/XX/year>, followed by a second letter on XX/XX/year>. Despite waiting an appropriate amount of time, I have not received any response from TransUnion regarding these disputes. 

Furthermore, on XX/XX/year>, I sent another letter to TransUnion specifically addressing additional inaccurate information that I have identified in my credit report. To date, I have yet to receive any acknowledgment or resolution from TransUnion regarding these inaccuracies. 

These inaccuracies are having a significant negative impact on my credit score and overall financial health. It is imperative that the inaccurate information be corrected or removed from my credit report immediately. 

I am requesting the assistance of the Consumer Financial Protection Bureau in this matter to ensure that TransUnion complies with the Fair Credit Reporting Act ( FCRA ) and addresses my disputes in a timely and appropriate manner. 

Enclosed, please find copies of the letters sent to TransUnion and any supporting documentation.