23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 90 days, I have been trying to validate a debt with XXXX  XXXX. I have not had a single response by phone, email or mail. This is a complete violation and extreme delay. I am losing out on time, money and opportunity due to the negligence of this collection agency. PLEASE SEE ATTACHED THE DEBT VALIDAITON REQUEST I SENT TO THE COLLECTION AGENCY OVER 45 DAYS AGO.
Product: Debt collection

XXXX XXXX I WAS NEVER LATE I NEVER MISSED A PAYMENT THIS INFORMATION IS WRONG PLEASE DISPUTE
Product: Credit reporting or other personal consumer reports

XXXX 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, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I made a purchase from XXXX for a speaker for {$41.00}. This website is a scam website. I was charged via XXXX by a completely unrelated person. They provided a tracking number which delivered a package to an address not mine. I disputed with Chase. Chase sent me a letter stating that the package was delivered to my address because the scam merchant sent them the tracking number. XXXX confirms the package was not sent to my address or have anything referencing me. 

I contacted Chase about this. They said, Oh, well you can redispute it if you like. They could not answer why they sent me a letter saying this package was delivered to my address when XXXX confirms it was not. Chase did not do proper research in this issue. Chase needs to charge back this scam merchant and give me my {$41.00} back.
Product: Debt collection

I have a collection account that i've been disputing with the credit bureaus and the debt collector for several months. XXXX and XXXX removed the account from my credit file awhile back but XXXX has refused to show me valid proof that this is my collection. The Collection agency has not provided me with anything also but they keep reporting this account on my credit file. It shows it was opened on XX/XX/2012
Product: Student loan

When REPAYE was made available in XXXX 2015, I submitted my application to switch from the XXXX repayment plan to the REPAYE repayment plan. Since XXXX of last year, I have spoken with my student loan provider ( FedLoan ) several times to get enrolled. Each time I have called their customer service has assured me that I would be enrolled in the next month or XXXX, but now it is XXXX -- nearly XXXX months since I submitted my application -- and FedLoan still has not enrolled me in REPAYE. Earlier this month, FedLoan direct debited a much larger " accelerated '' payment ( as they called it ) even though my REPAYE application was being processed and I specifically called them to alert them to the scheduled direct debit.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Against Flagstar Bank, Mortgage Account Number : XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against Flagstar Bank regarding the mishandling of my mortgage payments and the subsequent reporting of a late payment to the credit bureaus. 

Background Information : Account Number : XXXX Mortgage Holder : XXXX XXXX Date of Incident : XX/XX/year> Mortgage Payment History : 42 on-time payments with Flagstar ( none late ) ; no late payments across multiple mortgages with other banks. 

Summary of the Issue : In XX/XX/year>, I was enrolled in autopay for my mortgage with Flagstar Bank. However, without my knowledge or consent, Flagstar 's system inexplicably turned off my autopay, resulting in my mortgage payment not being processed on time. 

On or shortly after the first of XXXX, I received a call from Flagstar Bank informing me of the missed payment. I immediately provided the XXXX operator with instructions to process my payment. The operator assured me that the payment had been processed and that everything was in order. 

However, the following month, I was shocked to receive another call from Flagstar Bank, this time informing me that my XXXX payment was now over 30 days late. I once again provided the same payment instructions to the second Flagstar operator, who assured me that the payment was processed correctly this time, and indeed it was. 

This situation arose due to two critical failures on the part of Flagstar Bank : Autopay System Failure : Flagstar 's system inexplicably turned off my autopay without my knowledge, which led to the missed payment. 

Operator Error : Despite my prompt action to rectify the situation in January by providing payment instructions, the Flagstar operator failed to process my payment as promised. 

As a result of these failures, Flagstar Bank reported my XX/XX/year> payment as 30 days late to the credit bureaus. This reporting is unjust and inaccurate, given that I took immediate action to resolve the issue and relied on the assurances provided by Flagstar 's representatives. 

Steps Taken to Resolve the Issue : I have made multiple attempts to resolve this issue directly with Flagstar Bank, but my concerns have been dismissed. Despite my long history of on-time payments and responsible financial management, Flagstar Bank has refused to take responsibility for their errors or to correct the inaccurate credit reporting. 

Request for Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist me in compelling Flagstar Bank to withdraw the late payment report from the credit bureaus. This erroneous report has caused unwarranted harm to my credit standing, and I believe it is essential that Flagstar Bank be held accountable for their actions. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

I, XXXX XXXX XXXX, would like to request complete accounting history for Loan # XXXX.
Product: Debt collection

this is a fairly unique case as i am have recently learned of XXXX practice of forwarding accounts to a collection agency after 60 days without being paid in full. I have always preferred to pay my creditors directly and even in this case I have been making payments to XXXX on a monthly basis ever since i have been a a patient with XXXX. XXXX practice is to apply payments to the current bill in their office although their maybe extensive medical debts and payments were being made as i could afford to each week as I got paid XXXX contacted me and told me that unless i contacted the collection agency and lifted the cease communications with the collections agency and make a deal to pay i would lose my doctor as they planned to cancel me as a patient. I was intimidated into stopping my payments and told that either I pay the debt on a credit card or I make a payment plan that does not exceed 10 months neither of these were an option I asked for validation and I was told initially I did not have a valid dispute? they finally sent me the validation only to find out that they did not submit all the claims to my insurance company.
Product: Money transfer, virtual currency, or money service

I 've send XXXX EUR to Coinbase through SEPA transfer on XX/XX/XXXX and today ( XX/XX/XXXX ) I still do n't see money in their system and their account 's page is not working ( just showing blue header ). I 've send support request, but no response, even no auto reply.
Product: Credit card or prepaid card

I asked to downgrade by Citi Prestige Card to a card with no annual fee. Citi did that and downgraded my card to a Citi Double Cash Back card. At the time I downgraded the card, Citi told me that I would have 60 days to use my Thank You Rewards Points. However, immediately, my points were eliminated. I called Citi and they said I can still use my points, but must book flights over the phone to do so. I was told to call XXXX ( both in writing and over the phone ), but that number simply gives you advertisements. I told Citi this when I called the number on the back of my card and they said to press " 0 '' when I called that number. I did, and it hung up on me. I finally called the number on my card and was transferred to a points redemption specialist. But that specialist said to book a flight over the phone, they said they would charge me a {$23.00} telephone booking fee. Even though I can not book the flight online. None of this was disclosed to me when I  downgraded my card. To the contrary, they simply said I would have 60 days to redeem my points.
Product: Vehicle loan or lease

I purchased a car from Hyundai on XX/XX/XXXX. I paid monthly for it until XX/XX/XXXX when I paid a final payment of {$9100.00} paying off the vehicle in-full ( form attached for proof of payment and receipt of payment by HMF ). At that time, I went on their website ( per their policy ) and requested the title be sent to me. It has yet to be received. 1. Their website says it will take 5 days to process this. It is been over 50. 2. I have called multiple times ( see below ) I have since traded-in the vehicle and purchased a new one, but cant move forward because HMF will not release the title, or call me back. Its been paid in full for over 7 weeks. This is an unacceptable delay. I want the title overnighted to me immediately and I also need a notarized Lien Release form for the DMV. ( HMF is still listing the lien on the DMV website ). This is NOT ethical and not good business practices. 

1st call : XXXX/XXXX/XXXX request title be sent to me, referred to website 2nd call : XX/XX/XXXX no title yet " Its approved and in the works, give it 2 more weeks to get to you 3rd call : XX/XX/XXXX XXXX minute phone call at XXXX, again said there was no problem and it was in the works because of the holiday it got delayed '' 4th call : XX/XX/XXXX @ XXXX 28 minute phone call where I spoke with a supervisor, they said the form was denied and they will not accept another request. Stated she " messaged '' them but they didnt answer, she will escalate it to another supervisor and I would hear back that day. ( No return call ). She stated it shouldnt take this long and should have been released, but its been denied for some reason. 
5th call XX/XX/XXXX XXXX No answer, they are closed on weekends, call back during normal business hours. 
6th call XX/XX/XXXX XXXX call total 31 minutes. 26 of which was on-hold. Said nothing to update, she will send an email, requested to speak to a supervisor. Placed on hold and the call disconnected after about 10 more minutes 7th call XX/XX/XXXX XXXX on hold 14 min, XXXX said he had to transfer me to Titles. On hold until 28 minute mark, XXXX picked up, theres no update, she will check with the Back Office Team. She returned to ask if this was related to a name change. My name change was XX/XX/XXXX, so no. Placed back on hold for 1 hour 2 minutes total and call disconnected. 

XX/XX/XXXX Filed complaint with XXXX XX/XX/XXXX Filed complaint with CFPB and email sent to XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, Experian was asked to remove all delinquency on my file with a letterhead respondent credit status from child support to send over to Experian. I made several attempts to resolve this issue by filing complaints with Experian even sending the child support agency several emails on this issue. They have responded on XX/XX/XXXX giving me a new Respondent credit status letterhead once again asking to remove delinquency from my file. The Child support agency also sent me several responses telling me to file a dispute with the credit reporting agency so they will contact them. All creditors that report to credit reporting agencies are allowed to request removals as long as both parties come to an agreement. There can be several reasons why a negative item can get on someone credit report and sometimes it is by accident or the person has a good excuse as to why it happens but the creditor is the only person that can agree to remove the item and child support agreed to remove the item. Experian is the only credit reporting agency that refuses to remove the negative item causing me to get needed funds in the past. I am in contact with someone that is representing Experian hoping he can help resolve this issue. Child support is a government agency that should have no problem getting any negative item off of anyone child report that no worries of the law coming after them because they have immunity. Experian is a private reporting agency that I feel is violating my fair reporting act and should fix this problem right away. I attached all documents to support my claim. Please remove any delinquency off of my child support account, I do not owe any arrears and have a XXXX balance. XXXX XXXX, I attached proof that both XXXX and XXXX remove the delinquency back in XX/XX/XXXX. Experian is the only one that is refusing to remove the negative item.
Product: Credit card

STILL NO ANSWER!! Amazon Synchrony has no fraud protection in place. This virtual card was used without my consent and I was not informed for months until they sent a paper statement. They removed one bad charge but refused to remove the other. For 2 years they continue to add fees and interest onto this frauduent charge. The issue is, they let a virtual card be used without a 2 step authentication, and without having a user input a 3 digit security code that would be on the back of a credit card. I have been asking for over a month via email ( to " OfficeofthePresident ( Synchrony Financial ) '' XXXX, and XXXX, ) To give me a reply on at what point does their company do a " charge off ''? Their customer service department mentioned this to me but did not have the answer. I want to know when they will Charge Off the balance they made on my account? And also, when can I expect this to be fixed? 

Once again, I want to know when they will Charge Off the balance they made on my account? And also, when can I expect this to be fixed?
Product: Debt collection

I have a derogatory mark on my credit that I have no clue at all about. Someone has stolen my identity and put things in my name. That mark has caused my credit score to go down badly. 

- SUNRISE CREDIT SERVICES - {$2300.00}
Product: Credit card or prepaid card

I made XXXX payments to my account XXXX payment on XXXX/XXXX/XXXX for {$530.00} it posted to my available balance. I made another payment $ XXXX/XXXX/XXXX {$500.00}. The credit card hold removed the previous payment from my available balance the {$530.00} and hold the new payment of {$500.00} from my available balance. I have a total of {$1000.00} missing that has not been applied to my credit account.
Product: Credit reporting or other personal consumer reports

My bank has reported my correct address to Experian multiple times and Experian has the wrong address associated with all of my XXXX Michigan  banking information on my credit report and Experian boost section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to use my FCRA rights with all three credit bureaus ( XXXX, TransUnion and XXXX ) by requesting the exact same, sent at the same time. Issue was, nothing was done. Monitoring this platform, ensuring we just do this right and be done. 

My name is XXXX XXXX XXXX, I have requested all the credit bureaus to make multiple changes between CFPB, XXXX, TRANSUNION and anyone else 's that would listen I want AGAIN after I sent letters two months ago no response three credit bureaus. 

Please, all I want is my credit and financial FICA/FICO 's rev-elevated, ensure all three bureaue 's have the same personnal information as I expressed to each of them, one name : XXXX XXXX XXXX, XXXX XXXX XXXX ( same ). Job, ( same ) I worked 30 years, I sacrificed all of those years with being a XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX I deserve them to get my credit correct!
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 any following items on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 USC 1681. 


XXXX XXXX # 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

Contacted capital back in XXXX and XXXX to resolve purchases made, someone would pay an amount to purchase something at XXXX and other various stores. I contacted capital one numerous of times and could never get the help i needed for the fraudulent charges.
Product: Consumer Loan

I started financing a car through drivetime in XXXX of 2013 and they are not reporting my payments to the credit beruae. my mom cosigned for me but the company flipped it and now she looks like the buyer and i look like the cosigner. in a result of this they are not reporting my payments.
Product: Credit reporting or other personal consumer reports

Hello, I am asking for help with resolving the falsely prepared collections on my report by the XXXX XXXX XXXX, which represents XXXX XXXX, which is the previous owner of the apartment I was renting and without any basis or evidence, passed me on collections and I have completed 1 year lease with the new owner XXXX XXXX XXXX with balance {$0.00} and I have it reported and I am attaching it to the evidence. I am requesting this be resolved from my report that was falsely prepared without evidence required by the XXXX XXXXXXXX XXXX by the XXXX XXXX XXXX for the amount of XXXX. Thank you.
Product: Mortgage

Around XX/XX/XXXX, NationStar/Mr. Cooper took over the mortgage loan ; which was after Pacific Financial closed. Monthly mortgage statements are not always provided from NationStar/Mr. Cooper. Of the mortgage statements provided, it appears that around XX/XX/XXXX, NationStar d/b/a Mr. Cooper began taking monthly mortgage payments and applying payments to an unapplied separate account in lieu of applying all payments directly to the mortgage account. This unknown new payment processing method implemented by NationStar d/b/a Mr. Cooper, creates increases to the monthly mortgage amount, creates monthly overdue payments, creates monthly late charges with daily interest fees and monthly compounded interest fees, creates charges of legal fees, and creates additional charges for unauthorized/unknown services ; such as, property inspections, lender paid fees, etc. In addition, as a result of the aforementioned practices, the XXXX and XXXX Mortgage Interest Statements ( OMB No. XXXX Form 1098 ), the XXXX and XXXX Annual Escrow and Interest Statement, and the XXXX and XXXX Disclosure Statement ( Annual Disclosure Notice to Mortgagor that NationStar/Mr. Cooper provides contain inaccurate information.
Product: Credit card

I am filing this complaint against World Finance Corporation for failing to provide requested documentation and account-related information regarding my loan. I am requesting the following documents : A copy of the signed loan contract/agreement associated with this account. 

A detailed payment ledger/account history showing all charges, payments, and adjustments. 

Statements reflecting the accounts activity. 

Any other relevant documentation or correspondence related to this account. 

These documents are essential for me to understand the status of the account and verify its accuracy. Failure to provide this information constitutes non-compliance with consumer protection laws and regulations.
Product: Credit card or prepaid card

On XXXX XXXX the day before XXXX XXXX XXXX holiday, I selected to make a minimum payment and strangely, the whole balance payment was selected as well. Both payments were made at the same time and on the same transaction. I immediately called the next business day, XXXX XXXX, to stop the extra payment made in error. The XXXX statement showed 2 transactions on XX/XX/XXXX for the amount of {$1600.00}. XX/XX/XXXX, I received a letter from Bank of America telling me my payment was returned unpaid! The minimum payment was left in place. XX/XX/XXXX, I called BofA and was assured the letter was sent in error. However, the XXXX statement showed another transaction on XX/XX/XXXX for {$1600.00} and the balance had an increase of the exact error payment of {$1600.00}. XX/XX/XXXX, I went in to a BofA branch and spoke to the manager who informed me I had to speak to the credit card department. XX/XX/XXXX I called BofA to ask that my account be audited. The problem was not corrected on the XXXX statement. I mailed signature required letters to BofA on XX/XX/XXXX and XX/XX/XXXX asking for my account balance to be corrected. XX/XX/XXXX, I received another form letter and the balance is still incorrect. BofA has ignored my numerous requests to audit the account since XX/XX/XXXX.