23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

since 2019 of XXXX when i have been struggling to pay on my mortgage XXXX has at every step of the way done things that have been intentionally misleading and deceptive : 1 : list a post office box, fax number, and email were correspondence is presumed to be received in a reasonable amount of time but makes zero mention of a lag so if there is a due date of the XXXX and the documents are received on the XXXX depending on where the day falls it could be technically be thought of as late cause it takes so long for them to go through all the submittals from their customers. There is no instances where this is stated in the contract cause 2 : When asked about the act 91 notices that are specifically tailored for Pennsylvania Nationstar only provides vague documents that satisfy company requirements and some attorney think tanks legal ambitious loophole so the actual agencies that need these documents will reject the consumer morgatee cause the document needs to be specifically nuanced in a way that it shows the need for this subsidy 3. When applying for a modification Nationstar changes the criteria even after the method and requirement is already established 4. they offer disingenuous rhetoric guised as customer service and provided phone numbers to nowhere so can vent on the voicemail only to have nobody of importance to call you back 5. since inception i would send correspondence to this company only to have it rejected because they claim they are inundated with so much traffic it takes 3-5 business days for them to disseminate the information only to tell you it wasn't received even though it was electronically timed stamped days prior before the agreed due date and there is nothing with language within its modification or the contract that states that correspondences are subject to clerical or work force lags .. ridiculous
Product: Vehicle loan or lease

My wife and I received a car loan from global lending services threw XXXX XXXX XXXX for a XXXX  XXXX XXXX car note of {$580.00}. When receiving this car loan we were informed we had to put a down payment of {$2000.00} down which did not for lowering the car note dealership said {$2000.00} would bring the car note from {$880.00} to {$580.00} which is a lie {$2000.00} May have taken {$36.00} of the car note Im being constantly harassed by global lending services threatening to repossess the vehicle I need the vehicle for work and these phone call have made me so stress Im XXXX XXXX XXXX XXXX XXXX I constantly have a XXXX headache XXXX XXXX up from thinking I am going to lose this vehicle which I should only be paying {$300.00} a month for I received XXXX key no loan document and have requested global lower the interest rate and have been told they can not and they keep saying they are coming for the vehicle
Product: Money transfer, virtual currency, or money service

I have had several disputed transactions from the same individual, a XXXX lender and PayPal has blocked my access to my account making it impossible to dispute the transactions. Over the course of several months I have sent information and details regarding this person, showing how every loan he gave had been paid back. I now have lost over XXXX points on my FICO score because the first two chargebacks in XXXX were paid without my knowledge ( I had changed my email account, but they somehow reversed it and sent the first notice to an inaccessable account ). The chargebacks were submitted as " merchandise not recieved '' and I asked Paypal to get the invoice info to me, knowing that there were no invoices. These were NOT valid chargebacks, but I was told on the phone that the cc companies issuing the chargebacks took precidence and that they had to refund money even if it was not owed. A manager told me that she saw and agreed that I had been scammed, but it wasn't Paypals problem as they just transfer money between two parties. Under the Paypal agreement, when they blocked my access to my account preventing me from disputing them, and then paid these chargebacks because I didn't " dispute them '' ( which, again, I couldn't access my account to dispute them ), they broke their contractual promise to me. XXXX chargebacks have been filed, and a collection agency is now contacting me regarding the first XXXX for a total of {$810.00}. Paypal says they have no responsibility to prevent fraud such as this. I believe they have breached their fiduciary responsibility to me and to others in allowing one person with ( apparently multiple charge cards ) to file repeated chargebacks, all of which occurred ( so far ) between XX/XX/XXXX and XX/XX/XXXX, starting the week the first stimulus payments were being sent out. Further, when they acknowledged that they recognized this as a scam, they should have acted to stop the flow of monies to the scammer. I am not allowed his information without filing a subpoena, which means I have to pay an attorney. I am on a fixed income, and I am even on food stamps. I can not pay an attorney. Please help me resolve this.
Product: Debt collection

I was not sent a final bill after I canceled my XXXX account as I was told they would do so I could pay the remaining balance, they never sent a final bill nor did they send someone out to pick up their equipment and tried to make me pay for it, I finally got them to pick up the equipment but still was denied a final bill instead they sent to collections, I was just notified by XXXX when I checked my credit, I immediately called and made full payment ( still without a bill ) payment confirmation number is XXXX. Please remove this collection from my report immediately. Thank you
Product: Debt collection

XXXX XXXX different names as XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also they havein different collections agencies XXXX  that l don't owe request same exact money info the original documents printed l summit information l don't owe these companies has effect my credit scores l have l provide driver license XXXX XXXX XXXX XXXX. On the XXXX corps XXXX XXXX has ( XXXX XXXX XXXX XXXX ) isn't no name shown on the ordinal bill documents XXXX to other collections now to companies called XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is still on my credit report and I'm no longer a authorize user and I'm not financially responsible for that account.
Product: Credit reporting or other personal consumer reports

This is actually a series of events. The first one 's resolution led to the second, which hasn't been resolved yet. On XX/XX/XXXX, a fraudulent charge of {$10.00} was placed on my credit card. I contacted XXXX XXXX XXXX department, they reverted the charge, and issued a new credit card to me. On XX/XX/XXXX, XXXX XXXX started incorrectly reporting the old closed account as " charged off '' to XXXX and later Equifax. They reported that I owed XXXX XXXX {$10.00} in overdue payments and the debt was written off, assigning me the responsibility and negatively impacting my credit score, while the whole time it was a fraudulent change I reported almost immediately. A representative told me that XXXX XXXX tried to get the money from the merchant but failed, and so decided to put it back on my account. 

I contacted XXXX XXXX, XXXX, as well as Equifax. In about a month 's time, the closed account was removed from my credit reports and my credit score was back to normal. I thought all is resolved, but this is only half the trouble. 

While the closed account was removed, my new account ( the one that was reissued after the fraud ) was also removed from my Equifax account. Equifax told me on XX/XX/XXXX that the " reporting member '' is not providing information for this account. I contacted XXXX XXXX on XX/XX/XXXX but it has been unresponsive since.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reprting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX. ) XXXX XXXXAcct # : XXXX {$1200.00} XXXX. ) XXXX XXXX XXXX XXXXAcct # XXXX {$1000.00} XXXX. ) XXXX XXXXAcct # : XXXX {$600.00} XXXX. ) XXXX XXXX # : XXXX {$1600.00} XXXX. ) XXXXXXXX XXXX XXXX_Acct # : XXXX {$46000.00} XXXX. ) XXXX XXXXXXXX XXXX_Acct # : XXXX {$1200.00} XXXX. ) XXXX XXXXXXXX XXXXAcct # : XXXX {$1800.00} XXXX. ) XXXX XXXX XXXX_Acct # : XXXX {$730.00} XXXX. ) XXXX XXXXXXXX XXXX # XXXX {$7100.00} XXXX. ) XXXX XXXXXXXX XXXX # : XXXX {$1500.00} XXXX. ) XXXX XXXX # : XXXX {$750.00} XXXX. ) XXXX XXXX XXXX {$2000.00} These accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXX Account Number : [ XXXX ] High Balance : {$15000.00} Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt, Canceled by credit grantor, Unpaid balance reported as a loss by the credit grantor Dispute Status : Account not disputed Credit Limit : {$14000.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : XXXX : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
Experian : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : No detailed information provided, indicating potential discrepancies. 






Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 

I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> {$470.00} On XX/XX/year> I noticed on all XXXX credit bureaus on my credit reports that Eastern Account Systems placed information on my credit reports without my permission and has not attempted to contact me. I have not contacted this company..
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin, I would like to ensure you have and ONLY retain existent, TRUE, CORRECT, COMPLETE, and MANDATED rumored facts Per FCRA regulations, any and all others that potentially can be supposed or elsewise revealed now or else wise I DEMAND, as is my lawful RIGHT ( XXXX ) to do so, that you annul lastingly and immediately any and all negligent of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it factual or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any mandated OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or made known, if ANY REMOVE FROM REPORTING NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( XXXX ). 
( b ) I do NOT have any preconditioned to be OTHER addresses and I do NOT covet any OTHER ADDRESSES to be retained o r described, if ANY efface from reporting NOW or produce PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ). 
( c ) I do NOT have any necessarily OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY expunge NOW or product PROOF of your legitimate AUTHORITY to cling to much less report without infringing my consumer right ( XXXX ).. 
( d ) I do NOT have any OTHER Dates of Birth and I do NOT yearn for any OTHER Dates of Birth to be retained or proclaimed, if ANY blackout from reporting NOW or product PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( XXXX ). 
( XXXX ) I do NOT have any telephone numbers and I do NOT have ambition for any telephone numbers to be retained or recited, if ANY omit NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ). 
( f ) I do NOT have any employers and I do NOT have wish for any employers to be retained or communicated, if ANY annul NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( XXXX ). 
Page XXXX of XXXX ( g ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT long for any spouses/ roommates/ co-applicants to be retained or reputed, if ANY eliminate NOW or product PROOF of your legitimate AUTHORITY to much less report without infringing my consumer right ( XXXX ).
Product: Checking or savings account

I was attempting to purchase a software program online, I guess the product is from overseas so it got declined. I called in to confirm iam the person trying to make the purchase, it is not fraud. They said card is good to use. Tried to XXXX minutes later and it gets declined. I call again and they told me my account is under review and someone will reach out within 24 hours. That was 48 hours ago. I called this morning to make sure my card would be useable because they said 24 hours and i desperately need to access my funds as its the only thing I have to my name. They assured me at XXXX my card could be ok to use. Went to attempt to get breakfast and my card gets declined yet again, call and iam told the same thing. My account is under 24 hour review and someone will reach out. When I asked what exactly is going on with my account, they say they cant give me anymore information. Meanwhile I have no funds, MY funds that I need to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX along with a notarized affidavit claiming fraud. XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX to close their files which have any information with my name & social on it ...
Product: Checking or savings account

I am an holder of accounts that have questions regarding medical employee participate benefits that need correction for. I have future cases that will reflect upon this that I am taking precautionary steps by reporting. Positions held prior were unpaid while establishing my enterpenual status. Down the line after audit we. May find cases of arrears. I greatly appreciate your assistance.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> BANK OF AMERICA HELD ON TO {$700.00} for me for no apparent reason. I called when I noticed the missing {$700.00} from my checking account. I was able to see they put a hold on the {$700.00} when I told the rep the bank is holding it as a debit hold which I did not authorize or had any payments set up for that amounts or any other amounts. The rep always still not able to tell me why they held my {$700.00} and also tried to deny the hold. The rep got the XXXX the XXXX then said I have to wait for it to reversed and released in XXXX business day. This happened on a Friday I explained my sons birthday was Sunday and I needed back my money to do something special for my son and to also pay my rent. The XXXX XXXX XXXX XXXX XXXX about the money being given back in XXXX business day and gave me a number for the claims department and advised me to call them that Saturday morning if the funds were not returned to me. I felt no urgency was given to my situation, this was unfair of them holding my {$700.00} for no reason and then I have to wait for them to give me back my money on. Their time while causing emotional distress to me and affecting my rent. No one has yet to explain why they held my money. And I have not received a return of my money today XX/XX/year> as the XXXX said I would be receiving it. This is very unfair.
Product: Student loan

I do not dispute the fact that my Navient accounts were severely past due. I had attempted to negotiate my payments directly with Navient multiple times prior to my account being charged off, however they were adamant that they would be unable to lower my payments further than approximately {$530.00}, which would have been unreasonable. 

Per my credit report my loans have been charged off with Navient, and my account was also referred to collections. Arrangements have been made with the 3rd party collections, however Navient is not acknowledging the terms of my payment arrangement with collections and is still reporting my payments as late, despite my customer dashboard correctly displaying that payments are being received in a timely manner. If additional action had been required on my part in order to bring the account current going forward, I was not told when agreeing to my current payment arrangement, and it has also never been told to me since. Per Navient 's online portal my account is currently past due {$14000.00}, despite my payment arrangements. 

The PDF password is XXXX. Apologies for having a locked document.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX, XXXX a debt collector called me back after getting a court summons, when I asked who they were they stated lawyer for XXXX XXXX, I advised XXXX XXXX done stated they were not their lawyers but a debt collector the account was sold. This company violated FDCPA, which I included in court Response by refusing debt verification on phone call. They lied, and falsified who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my XXXX XXXX  account was closed because I ordered a personal care object on a bad online site that I wasnt aware of, so they closed my account even after hearing me out and knowing the situation. I also just received my XXXX XXXX report and it shows that ( reported information ) you guys received from XXXX XXXX XXXX is showing to other banks. When this happened with my account I tried to dispute this with the bank, they said because if this they would give me my account back but never did. Because of these reports I cant bank anymore, anywhere..
Product: Credit card or prepaid card

Received a phone call from comenity bank about a XXXX XXXX XXXX card. Ive never shopped at XXXX XXXX XXXX  in my life. Ive recently moved to Kentucky and barely know what this place is. I am told a mechanic service was provided for a car. I only take my vehicle to the dealership. Im not even sure what work was done and no information was provided to me. The initial rep I spoke to was very degrading and nasty to speak too. The rep made me feel like a criminal. Fraud alert has been placed on my credit due to this transaction. I asked if any steps needed to be take on my end and was told no. I then received a letter in the mail with no information, contract, anything. Just denied. I doubt this bank did anything to investigate and refuse to show what information they gained from the investigation. This is not my account and I was not there. I even spoke to the manager that couldnt show I was there either.