23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It is frustrating to find yourself on a financial situation such as loss of employment, which you can not prevent from defaulting on your mortgage. It was than that I was forced to default on my payments. It was then that I struggled and began making life difficult.. I began to panic and retained an attorney by the last name of XXXX who submitted the firs package to XXXX XXXX XXXX to no success. During the process XXXX XXXX XXXX sold the loan to Rushmore Loan management who will not acknowledge the fact that this loan was under a loan modification. I had to start all over again for they did not have any of my documents.. Time went by with out a resolution. I terminated XXXX XXXX and began to deal with the bank myself. I also did not get any where. I have send various packages to no success. I then re send prepared a package and it was send out various times. The person who confirmed receipt of this package was XXXX XXXX at Rushmore loan management.. 
I continue to look for a job became sick and had no other alternative than to request social security income and asked for my son to move back home. 
I explained to the bank that my son had moved in with me and he is now a contributor. 
On XXXX XXXX XXXX I was told by Rushmore that I no longer had a loan modification and that I had a sale day of XXXX XXXX.. I said when this this happened. XXXX XXXX said well it just pop up. You only have 37 days so we can not review the file. 
I reside in this home. I want to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps removing and reapplying accounts to my credit report in violation of the FCRA. I have NO LEGAL CONTRACT with XXXX XXXX and I owe them no debt. They have also not provided full validation as requested. Remove this from my XXXX and Experian reports immediately. Account numbers are XXXX and XXXX
Product: Debt collection

they are saying i owe them debt when i never opened an account with them, it was from identity theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying i owe them {$430.00} but i never opened a credit card in XXXX it was identity theft XXXX XXXX XXXX LVNV FUNDING LLC says i owe them {$790.00} but it was identity theft
Product: Checking or savings account

There was a fraud on my Citibank Checking account. This caused massive overdrawn and returned payments. Citibank is supposed to assign a provisional credit yet keeps giving me stories about processing this or the length of time it's going to take. Their reps do not let me speak to a supervisor. It has been 10 days and they still have not even started an investigation. This is a serious amount of money {$3000.00}. Citibank continues to give me excuses. This is serious fraud and needs to be addressed. They are constantly charging me fees while they haven't done anything about the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX/ XX/XX/XXXX, credit reporting agencies reported that two of my accounts were seriously delinquent. In fact, no accounts ever have been delinquent, nor even late, in the entire history, over twenty years. FICO was interpreting the changing hands of two student loans ( loans which had never been in repayment ) as Seriously Delinquent. My FICO score dropped 50 points, and these points have not rematerialized with XXXX  and XXXX  both stating there is no substance to support the claim that a delinquency exists. No creditors claim any amount is owed. Special Handling department at XXXX  has no evidence of any delinquency, ever,. I've been asked to acquire copies of my credit report, ostensibly to assure me there is no delinquency ( something I already know ), however, these several dozen reports always tell me what I already know : I've never missed a payment, let alone been seriously delinquent ; The fifty points which dropped from my FICO score did so wrongfully, and FICO is primarily responsible, with reporting agencies and creditors also bearing responsibility for reporting to me, and others, this completely inaccurate and damaging information. They deny that their algorithm is responsible, and point me to copies of my credit report and other entities like creditors and credit reporting agencies as the responsible parties. 

There was no delinquency. I want my Fifty points back. Please offer evidence ion the negative mark/serious delinquency which your company claim ( ed ) exist ( s ), or inform FICO they have a problem that requires correction and are obligated to provide restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed this account because it was a fraud account i never had a car or purchased a car with SANTANDER CONSUMER USA they are sending me letter harnessing with phone calls and sending letter i was in college my purse was stolen i have never has account with this company
Product: Debt collection

I have contacted this company several times since the entry of account on my credit report, I have never done business with this company, I asked for a signed HIPPA form with original signature of debt which it can not provide. Please remove debt from all credit reporting agencies.
Product: Mortgage

In XXXX XXXX, I was in a bad XXXX accident that caused me to fall into financial trouble. In XXXX XXXX, I was able to make a payment to catch up my mortgages that would have left me in good-standing as of XXXX XXXX, XXXX. After paying the full payment amount they indicated after going through their automatic system and speaking with XXXX people ( $ XXXX {$160.00} ), they stated that they only received $ XXXX {$160.00} and it still does not bring my accounts to good-standing regardless of the statements and information given to me. Even after confirmation with my Bank stating that they received the full payments of $ XXXX {$160.00}, Freedom Mortgage has continued to state that they can not find the money or that it has been misapplied but are not resolving the issue. They continue to delay and are refusing to resolve the issue after a month of continual calls and interactions.
Product: Credit card or prepaid card

I have a XXXX XXXX Rewards Card ( XXXX  ). I ordered gift cards with my points to be used for XXXX gifts. I was told by a representative by phone that my order no. XXXX was mailed to me on XX/XX/XXXX. After two weeks and no cards, I called to find out what could be done. As XXXX was approaching I had no gift cards. On XX/XX/XXXX replacement cards were mailed out, order no. XXXX. To date I have not received them. I have inquired about tracing the cards to be told that its not possible. I have spoken with our postmaster about the situation. The only conclusion we can come up with is that someone is aware of the mailing envelope and they are being stolen along the route. I continue to receive a paper copy of my bill every month and other advertisements to the same address. 

Today I called the rapid rewards bureau asking about a guaranteed mail delivery and was told they only use first class for gift cards. I also asked to have my XXXX pts. refunded to my account only to be told the situation has to be reviewed. 

I am totally frustrated with this program and reaching out for some help. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has the wrong date of birth reporting fin my file Ive tried calling them to have them change it they refuse Ive sent them my drivers license and even still they have refused to change it they have someone elses Information reporting on my credit file
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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Checking or savings account

Capital One has frozen my savings accounts with a balance of {$340.00} due to undisclosed suspicious activity, regarding some XXXX transactions. While they conduct the investigation my money is inaccessible, they refuse to state why and only claim there is unusual activity, despite the savings account not being involved, they have locked access to those funds and their manager XXXX states they may hold it in perpetuity while they conduct their investigation, no timeline is provided, except this email from them. No reasoning or violation of terms or services has been provided, and their manager XXXX explicitly states that no such terms exists regarding limits on XXXX transactions and Capital One may end the relationship at any time. 

This is the email I received. 

" XXXX, XXXX completed an initial review of one or more of your accounts. Based on our current information, weve determined that the unusual activity we found is inconsistent with our expectations for account usage. 


Well begin a final review of this decision, and depending on the outcome of this review, your account ( s ) may be closed.

If your account is closed, any remaining balance owed to youplus all interest earnedwill be transferred to your externally linked checking account or a check will be mailed to your address on file. 


If you have any questions, give us a call at XXXX. Were available Monday through Friday from XXXX XXXX. to XXXXXXXX XXXX  XXXX and on Saturday from XXXX XXXX. to XXXX XXXX. XXXX. 


Well send you confirmation of the results of our investigation. ''
Product: Student loan

After graduating in XXXX with an XXXX, I had {$12000.00} in loans from XXXX. I was granted a year of forbearance while I looked for a job in the XXXX. Along the wy, I dived into enterpreneurship and tried o get a company off the ground with XXXX former XXXX classmates. Again.\, I approached XXXX XXXX for another forbearnce qwhile i tried to raise capital for a startup. I was out of work for two years. At the end of XXXX, I backed out of the startup company and worked at a XXXX company. My annual salary was {$17000.00} gross income.My XXXX XXXX account was taken over by a collection agency XXXX XXXX from Minnesota. XXXX told me that I had to pay off a reinstatement fee to avoid default. I called XXXX XXXX and they confirmed I was passed on to collection and that my account is now managed by XXXX. I followed through for ten months to payoff the reinstatement fees ( about {$1000.00} ) to avoid default ), then registered on the XXXX XXXX website to start making online payments and collect notifications via paperless. Upon opening the account, I see in red highlights that I had a minimum due of {$2000.00} + ( an accumulation of non-payments and late fees ). I was alarmed and upset that I was fooled to think that I could make minimum monthly payments of XXXX ( which is what I could afford with my cost of living situation ). Instead, I still owed a enormous payment and even deeper in debt. I wrote to XXXXNavient and sent an email for advice and help ; no response. I called and was put on hold for 10 minutes then lost contact. Sheer frustration and anxieties. I have lost hope and decided that I will pay what I can monthly and ignore the red highlighted minimum due of {$2000.00} in perpetuity, Navient now has taken over my account which has ballooned to about XXXX.Unlike Federal loans, I provided proof of income-depraved with my income tax returns to EdFinancial and have benefited on the Income Driven Repayment Plan. This made sense for people like me who want to pay based on the living wage, and not be penalized exorbitantly. The New York times article on NAVIENT lawsuit inspired me to tell my story and share the uphill daily struggle with financial institutions. I surely wish that there is hope for a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 ( as well as many other dates before & after ) I received a reply from Experian regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Experian says the information is verified as accurate. But as you can see ... Experian does not provide very detailed investigation results. It 's laughable! 

The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 % verifiable information can be reported. 

However, Experian have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). Experian thumbs its nose at federal laws! 
Additionally, Experian has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court.

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

Experian has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Experian. 

I am demanding that Experian be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information directly with the US Bankruptcy Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with XXXX, XXXX and Experian credit bureaus. Over the last week XX/XX/XXXX-XX/XX/XXXX it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( XXXX, XXXX or Experian ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am filing a complaint regarding inaccurate information on my LexisNexis consumer report that continues to be used during an ongoing dispute. I initiated the dispute on in XXXX, concerning derogatory marks, e.g., fraudulent accounts or incorrect collection accounts listed on my report, along with variations of incorrect names, address, and telephone numbers that are attaching me to fictitious persons. 

Despite the fact that I formally disputed these items, LexisNexis has continued to report and rely on the disputed information while the investigation was ongoing, which has negatively impacted my eligibility for auto insurance and other services. Specifically, I applied for auto insurance on [ Insert Date of Application ] and was either denied coverage or faced higher premiums due to the erroneous information on my report. 

Additionally, I believe that the disputed marks are linked to identity theft, which should have prompted LexisNexis to take additional steps under FCRA Section XXXXc-XXXX to resolve the issue promptly. Despite my efforts, LexisNexis has not acted within the required XXXX-day period to correct or remove the inaccurate information, violating my rights under FCRA Section XXXXi. 

I initially contacted LexisNexis to dispute the information and requested the removal or correction of these inaccuracies. As of XX/XX/XXXX, the dispute has not been resolved, and the incorrect data remains on my consumer report. 

Actions Taken : Disputed the incorrect information with LexisNexis on XX/XX/XXXX. 
Notified LexisNexis of the potential identity theft on the said date. 
Applied for auto insurance on XX/XX/XXXX, where I was either denied or faced higher premiums due to the disputed information. 
Contacted LexisNexis on XX/XX/XXXX to follow up on the dispute, but the issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Debt collection

On XX/XX/2018, Credence Resource Management , LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Credence Resource Management , LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I think my complaint is being disregarded and that I am being victimized. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations. within 30 days is cause for immediate removal of all those allegations from my credit report. Given that it has been more than 60 days, they should probably be deleted. I demand that this account be terminated right away or else I pursue you for the anguish you put all my life. The Equifax Data breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> Re : Account Number XXXX Dear JPMCB card services, I hope this letter finds you well. I am writing to request a goodwill adjustment for my PMCB card services ( Account Number : XXXX ), which has been paid off in full.

Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused.

I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward.

I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms.

Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX, XXXX : Purchased a riding lawn mower from Lowes XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Purchase price : {$1700.00} *****At first use, the mower was defective : Cutting blade shift lever did not work. Mower was unusable. 
*****Reported problem to Lowes . Sales representative asked that I obtain repair locally. This was declined. Lowes was asked to replace the mower. 
*****Reported the problem to the credit card company and asked for guidance. Card company directed me to file a formal dispute. This was done, and an adjustment was made to my account XX/XX/XXXX, for the purchase price of {$1700.00}. 
*****On or about XX/XX/XXXX, Lowes delivered a replacement mower. 
*****At some time during XXXX, XXXX, I noticed that the charge for the replacement mower had not re-appeared on my credit card statement. 
XXXX***I went in person to Lowes and reported to an assistant manager that the replacement mower had not been charged to my credit card account. 
*****The assistant manager was grateful for my honesty in reporting this fact, and agreed to give me a discounted price of {$1300.00}. I called the credit card company and authorized this discounted price to be charged to my account. This was done XX/XX/XXXX. 
*****However, on the prior day, XX/XX/XXXX, my credit card account was re-billed by Lowes for the original price of the mower : {$1700.00}. 
*****Since that time, numerous appeals have been made to both Lowes , and the card company to correct this problem. Phone calls and memos have been sent to the assistant manager and manager of Lowes, as well as to Lowes Customer Relations Department in XXXX, NC. Calls have not been returned, and written memos have not been responded to as of this date. 
*****Numerous pieces of correspondence have been sent, as well as phone calls made to the Dispute Resolution section of the credit card company, Synchrony Master Card, XXXX XXXX FL XXXX The last appeal to the card company was dated XX/XX/XXXX. That appeal has apparently been ignored. 
*****I have never denied that payment is due for the mower - -either {$1700.00}, or XXXX. I will not, however, be responsible for making both payments. As it is now, I am being held accountable for both charges. 
*****I can not be sure who should clear up this problem, the credit card company or Lowes ; but I think it should be the credit card company. All I know right now is that my requests for help have been ignored by both.