23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Read. The given options did not pertain to my issue. 
Nonpayment from Specialized Loan Services, LLC, Loss Draft Department for documented insurance claims. Since XX/XX/XXXX SLS has either delayed or refused sending documented insurance claim funds of over {$100000.00}. These choices by SLS have kept me from living in my home at times and have adversely affected my livelihood. This is agricultural/farm property with XXXX  Insurance Policy. On XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, so far I have had to cancel scheduled contractors due to nonpayment from SLS 's Loss Draft Department due to me. This has created a significant monetary damages and will continue to impact my livelihood. SLS has refused to have any explanation behind their decisions to not pay. And, will not provide the name of my Mortgage Investors so they too will be aware of these compounding issues. Furthermore, they have contacted contractors and insurance adjusters to acquire my personal information without my knowledge or consent. SLS has received all required documentation, receipts, invoices and contracts. They still refuse to send insurance funds. Each time I have contacted SLS they do not allow me to talk to the same individual nor can I get a phone number for the same person I've spoke with and never an email. SLS will not return calls and have never called to indicate an issue exists. The SLS " XXXX '' has denied me access for days to my personal ClaimCheck account. This is very typical of the " deny / delay '' fraudulent tactics and practices. 
Of many, a few of the SLS employees I have had the misfortune of dealing with are XXXX ( wouldn't give last name ), XXXX XXXXUnit Mgr, XXXX XXXXTeam Leader. Specialized Loan Servicing, LLC, Loss Draft Dept XXXX, XXXX XXXX  XXXX, XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 15 USC 1681s-2 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. 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. Account ( XXXXXXXX XXXX XXXX ) XX/XX/scrub>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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Mortgage

I have applied for a modification of my mortgage with Flagstar Bank. This modification was approved and I received the paperwork to sign and return. When I received the paperwork, Flagstar was requesting XXXX in closing fees to complete the modification. I do not have XXXX. I called the HOPE counseling service and ask for help. The counselor and I did a conference call with Flagstar and she requested an accounting for the XXXX. They clammed up, said it was an error and it would be fixed. I have since heard nothing from Flagstar. I want to get this resolved asap. ( and while on the phone with the HOPE counselor and Flagstar, I received XXXX telephone calls from Flagstar demanding payment THAT day. 

I am at a loss and do not know what else to do. If I had XXXX in the bank, I would n't be behind with my mortgage. 


SincerelyXXXX XXXX
Product: Debt collection

False statements that I owe them funds. 
I have never done business with this company. 
Continues to report this as open account. 
Continues to try to collect funds after cease and decease letter. 
Continues to defame my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have it as unpaid cc debt against my credit but thats been paid and closed. Disputed 2x in my favor and still wont fix it
Product: Checking or savings account

XXXX : On XX/XX/year>, XXXX unauthorized transactions were made using my Citibank debit card on websites I have never visited, nor have I ever purchased from. I reported the fraudulent activity to Citibank immediately upon discovering the charges on XX/XX/year>. 

Since then, I have made multiple attempts to work with Citibank to resolve this matter. Despite providing all requested documentation including a copy of the police report filed with the XXXX XXXX XXXX XXXX ( Report # XXXX ) Citibank has repeatedly denied my fraud claim. They have not provided any clear explanation for the denial, aside from stating that my debit card was used, which I fully acknowledge but it was used fraudulently, without my authorization and/or knowledge. 

Furthermore, I have requested access to the documentation and materials Citibank used during their fraud investigation. I have made this request on five separate occasions, but to date, Citibank has not fulfilled or acknowledged these requests. 

I am requesting the CFPB 's assistance to ensure : A full and fair investigation into my fraud claim is conducted. 

Citibank provides a detailed explanation of the initial denials. 

All investigation documents and materials used in the review of my claim are released to me. 

Transactions/Dispute Information : Reference # : XXXX {$910.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX could you please provide me a copy of proof from your e Oscar system on what date and year and month that you in fact entered the the dispute mark on account XXXX and XXXX I have asked you for this information in the last investigation and you refused to send me factual proof! That you in fact follow FDCPA RegulationsSince you refused to send me any physical documents this information is unverifiable due to the fact that the dispute are not showing on any of the three credit bureaus. I have all three bureaus open up an investigation the law requires you to enter this information Failure to do so will result in violation of the FDCPA please send me physical proof or delete this account Experian XXXX XXXX  If you could as well provide me a copy of the month date and year and the time that XXXX claim that they entered the information chase with your reckless and Negligence on reporting is unexpected. Remove these two violations immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have stated that the following inquiries where done by someone who had stolen my laptop all were done online without my knowledge or authorization. Please Delete all the unauthorized inquiries listed below. 
XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXXXXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXXXXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  - XXXXXXXX XXXX  on XX/XX/XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Mariner has breached my information with a mutual client with whom we both work with. I am an employee at XXXX XXXX and have been harassed multiple times in a course of XXXX MONTHS by this customer due to Mariners negligence. She has called and shown up to my job several times making false complaints against me. Today, she has come into my place of business with all of my co-workers present saying I got her friend at Mariner Finance in trouble. The friend she is referring to is or was the branch manager for the XXXX location. I was so upset by this situation it caused me to walk out of work.
Product: Debt collection

Caine & Weiner, a collections law firm, has reported and opened a collections account on my personal credit report. I disputed with them many times but they reject to delete it from my account. What they 're doing is illegal. I have never asked or received a personal loan from their client, XXXX. That loan was received by a small business that is an LLC company where I have 5 % shares and it was a small business loan without collateral or personal guarantee. The company that got the loan shut down their operations and now, this company is coming after me as I 'm the only person in the US. I 've never signed a contract for any loan. This company ca n't post this under my personal account as there is no proof that I signed for that small business loan and it was a small business loan, not personal. I never received any kind of personal loan from their client. This company is using my social security number for wrong purposes and they have to delete this record from my file immediately. It is against the law and they ruined my credit.
Product: Debt collection

This companies response did not address any of my complaint and deflected from the fact that they violated my HIPPA rights and privacy. I requested this company provide me with a contract bearing my signature between myself and them. I will be filing a HIPPA complaint on this company. This debt was not verified. This is not my debt. This company stated they will stop all communications at my request. I requested they remove this negative item from my credit report and cease and desist all collections efforts. In their response the stated I requested to cease and desist all communication. I demand National Recovery Agency to remove this item all 3 of my credit reporting files. I will be sending the documents you use to violate my HIPPA rights and privacy to the Office for Civil Rights ( OCR ). I request also that the CFPB send this response back to the National Recovery Agency for an appropriate resolution.
Product: Mortgage

In XX/XX/XXXX my brother XXXX XXXX, and friend XXXX XXXX did a cash out refinance with XXXXXXXX XXXX XXXX. It is a FHA loan with XXXX XXXX. They sold the loan a couple months later to Mr. Cooper. We have been with Mr. Cooper for over 5yrs. I have only been late with the mortgage twice .I am trying to assume the loan from my brother and friend. I am the owner of the property and Mr. Cooper made me successor on the property.. My brother nor, my friend do not live at my property. I have called Mr. Cooper and XXXX XXXX numerous times. XXXX XXXX XXXX stated my credit score has to be XXXX and my credit score is XXXX and XXXX credit score. I contacted XXXX XXXX and they stated that it is up to Mr. Cooper if I am not in ligation or foreclosure. Mr. Cooper is unprofessional, did not follow the proper guidelines with XXXX XXXX guidelines. The continued to lie and say on a record line that they will assume the loan. Then they gives me the run around stating that my credit score is denied. They sent me a credit denial decision with XXXX XXXX XXXX name, but the number is Mr. Cooper. They stated to me on XXXX XXXX, XXXX that it is NOT a Mr. Cooper loan but I pay Mr. Cooper as my mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2023 Failure to investigate Name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX mi, XXXX SSN : XXXX Date of XXXX To : Dear Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Your XXXX XXXX verified the XXXX account. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me how. FAILURE TO INVESTIGATE, please re-investigate and DELETE ALL items lists below. 

( XXXX ). Creditor : Account : XXXX XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX  # XXXX Reason : FAILURE TO INVESTIGATE Please send me details on how this account was verified. 

Thanks!
Product: Money transfer, virtual currency, or money service

In XX/XX/2020 I filed a dispute on a charge of XXXX on me by XXXX. The issue was primitive : I returned merchadise to the store/REI, but the store did not refund me for some reason. The payment was done through XXXX, so I filed a dispute through XXXX. But XXXX was unable to process the dispute on this privative issue for 5 months, but kept it on hold. Then in XX/XX/2020 I filed a claim on my bank 's credit card. The bank refunded me honorably. After that XXXX began processing but not my 5 month old dispute. XXXX froze my XXXX account and made a claim that I have to send a check to XXXX on {$65.00}. This appear to be a blackmail and fraud by XXXX. In addition XXXX 's customer service is not functioning : after a few automated messages the call is automatically hang up. Apparently, the company of XXXX is not functioning. I want to close all my accounts with that business but XXXX is totally out of reach.
Product: Debt collection

I have repeatedly told navient representatives that I am XXXX and student loans are deferred while XXXX. I am enrolled at least half time, but they will not stop calling. They call at all hours and do not immediately tell me who they are. I have also requested multiple times that they not contact me while I 'm XXXX, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I Tel : XXXX. 

I am in the first time home buying process and have asked XXXX XXXX XXXX sending Good faith letters on numerous occasions on my own as well as paid a company to contact them on my behalf of over {$400.00} to remove a negative late payment off my credit file and they have consistently and unfairly refused. 

I have never been late before the incident and after. 

I was out of town on vacation and left my assistant to take care of my affairs and that was the one bill which was an oversite on her part. 

I have a 99 % success payment rating with all three bureaus. 

It is unclear on my credit file when the late payment occured which has been more than two years and no longer affects my credit scores ; it is now XX/XX/2018, I want the adverse item removed. 

It is disturbing, violating and incredulous for XXXX XXXX to hold my credit file hostage over a {$300.00} balance. 

I am filing a complaint with CFPB to urge XXXX XXXX XXXX XXXX to remove the late payment off my credit file.
Product: Credit reporting or other personal consumer reports

Hello, I have been trying to eliminate incorrect information from my credit for some time and it has been very difficult for me, I have tried many ways and nothing has helped me, please verify all this information and if it is not mine, please delete! 

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: Debt collection

XXXX XXXX XXXX XXXX XXXX is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX does not have my consent to have and share my private personal information. Then the information they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.