23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the bureaus ' delayed response to my request. I have been a victim of identity theft and have been trying to have all fraudulent information, inquiries, and accounts removed from my credit reports. However, the bureaus have not taken any action despite my repeated attempts to contact them. Each time I call, I receive conflicting information and encounter further delays, and as of today, my issue remains unresolved. 

I am requesting assistance with correcting my address, removing fraudulent accounts and inquiries. 

Address Update : This is my only address : XXXX XXXX XXXX, XXXX, MA XXXX. Please remove all other addresses associated with my name. 

Fraudulent Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX I have attached my FTC report, ID, and proof of address for your reference XXXX Your prompt attention to this matter is greatly appreciated.
Product: Mortgage

During the start of the pandemic, XX/XX/2020, the mortgage company, Right Path Servicing, decided to pause my monthly payments. Three years later, I have been struggling since the beginning of this year to receive my monthly statements. I did apply for XXXX  because of my current situation. I am not able to complete my application because the mortgage company has failed to provide me a monthly statement. I have called, submitted ticket numbers, been transferred to various people, and I have not received a single monthly statement.
Product: Credit card

On my recent trip overseas I purchased a large appliance at an XXXX XXXX. Since I did not received the merchandise by the delivery date set forth by that store, I proceed it to e-mail them to cancel the order and requested a refund to my credit card charge. That XXXX did not replied to my e-mail nor answered my repeated calls. 

Immediately after, I called my Credit Card issuer a notify them about the issue and, within few days they reversed the charge. XXXX weeks later, they reapplied the charge stating that the XXXX in question produced a signed receipt of me. 

I requested from the Credit Card issuer an email documentation because I am still overseas and, therefore, do not have access to the document 's hard copies that they have mailed me. They refused to do so. 

However, I emailed the Credit Card issuer the chat transcripts and email documentation with the XXXX where it is outlined my several request to have the merchandise delivered and my final requested e-mail canceling the purchase. In addition, I submitted my XXXX Passport for signature comparison purposes. 

I am concern as to what my future options are, should the Credit Card issuer fails to recognized that I had been duped and does not remove that fraudulent charge form my account. 

For whatever is worth, I am holding an excellent credit rating for about XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for Investigative Consumer Report, original signed contracts from consenting, and signed permissible purpose documents from that the agency is supposed to keep on file. 

Please see attachments
Product: Mortgage

Nationstar Mortgage LLC XX/XX/XXXX Nationstar attempt to collect a mortgage that Nationstar is no longer the servicer. 

I received a notice of transfer of servicing transferring my mortgage from Nationstar to XXXX   XXXX. 
In addition to the transfer of servicing nationstar : recorded An assignment of my mortgage from Nationstar to XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX was recorded on XXXX County on XX/XX/XXXX. 

a letter dated XX/XX/XXXX was file as a response to my complaint with CFPB by XXXX XXXX   servicing asserts that XXXX XXXX DBA XXXX XXXX XXXX is currently the owner of the account number ending in XXXX. XXXX began servicing the loan on the behalf of the owner referenced above on or about XX/XX/XXXX. 

On XX/XX/XXXX I received a copy of a document from XXXX XXXX XXXX requesting the court to schedule a foreclosure sale. The court schedule a foreclosure sale of my property for the XX/XX/XXXX. As asserted in its notice of transfer Nationstar is not the servicer of my mortgage. 
By Nationstar own admission on its recorded assignment of mortgage dated XX/XX/XXXX Nationstar convey, grant, assigns and transferand set over the mortgage and all interest if any. 
Nationstar behavior is unethical as Nationstar is aware that is no longer the servicer of my loan. 

A sale of my property is schedule for XX/XX/XXXX. Please help me cancel the sale so I can pursue my rights with the proper party. 
Sincerely, XXXX XXXX
Product: Mortgage

Today XXXX i received a call from my new mortgage company Mr. Cooper. No one was on the line. 

I called back and went thru the automated phone system 5 times attempting to talk to someone. I went online and used their customer support who told me " I am sorry, we only have one number for customer service : XXXX, it will require you to go through an automated system. Here are some steps that will get you to a live agent. 

Type in loan number. 
It will confirm the loan number and you will say, " yes. '' It will ask if you want to hear information, just say " skip this '' or press XXXX. 
It will tell you to pick an option. Let it talk until you hear " more options. '' Say " more options. '' It will give you the options and say " escrow. '' Let it talk. 
Say " tax account info, '' then let it talk. 
Then say " transfer me to an agent. '' It will say, " you want to speak with a representative, correct? '' Say " yes. '' Then it will ask to allow it a moment to connect you. You will then be place into the que. 
The key is to let it talk and not interrupt it. '' This does not work. They being purposefully deceitful in order to not receive phone calls. Even though they are dialing their customers.
Product: Credit card or prepaid card

I've had a Discover credit card for a little over a year now and noticed that my bill keeps increasing every month eventhough I haven't even used my credit card to purchase anything in several months. First I noticed that my bill was {$1500.00} in the month of XXXX then {$1600.00} in the month of XXXX. Now it's all the way up to {$1600.00} and I haven't used my card since XXXX. I always pay a little extra on my due balance every single month ( they usually ask for {$52.00} I give them {$60.00} a month ). So I can't understand why my balance is increasing instead of decreasing when like I said I have not used my credit card in like 5 months. In fact they even went up on my minimum due balance, at first they wanted only {$52.00} a month now they want {$130.00} a month. I feel like I'm being scammed here. Can you please help me? 

Thank You, XXXX XXXX
Product: Mortgage

I have sent in multiple forms with my signature because I never received my escrow refund. Theycontinue to denied it because they said my signature doesn't match what they have on the note which is 9 years old. I have even included my driver 's license. I advised I will complain to respa the XXXX  and they  laughed and said to go ahead with the complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a cosigner on my mother 's car her last payment was made on XX/XX/XXXX her car was traded on XX/XX/XXXX the dealership that she traded her car and did not send the payment for the card that she traded in to XXXX XXXX XXXX until XX/XX/XXXX therefore my mother didn't make a payment for XXXX because her car had already been traded on my credit report they're stating that she missed her XXXX payment when she never had a car below I have put inside the documents the date she traded the car in the date that the check was sent
Product: Debt collection

I received a letter from the State of IL dated XX/XX/XXXX regarding a past due debt owed to the IL Dept of Human Services. This debt is supposedly from the dates of XX/XX/XXXX - XX/XX/XXXX. As soon as I received this letter I immediately hand wrote a letter of dispute and mailed it to the dispute address of Account Offset Unit XXXX XXXX XXXX XXXX, IL XXXX. In the letter I requested documentation showing that this debt was owed by me and the reason behind it. I have never heard back from the dispute department regarding this debt. I received a notification that this debt was sent to a collection agency by the name of Harvard Collections. I want this immediately removed from my credit file and I want documentation that this debt is owed by me. I also filed for bankruptcy back in XXXX and if I would have included this if in fact this was owed by me.
Product: Credit reporting or other personal consumer reports

Dear Equifax, Please see the attachment as proved of ( XXXX creditor, account ending : XXXX ) was deleted on my report more than two years and I would like to know : it is getting back on my Credit Report?

I would like to have these information from the account above : 1 ) when was opened, 2 ) The limit of balance was approved, 3 ) The history of the payments and Bank account was using to pay, 4 ) the last time of the payment, and 5 ) the balance of that account after the last payment was made. If you can not provide me all documents request above please delete immediately that account in my credit report. 
Thank you. 
Best, XXXX XXXX XXXX
Product: Debt collection

A representative from Chase Commercial Services by the name of XXXX XXXX called my cell phone on XX/XX/2016 and was impersonated to be a lawyer representing XXXX XXXX.After several attempts he also mentioned he worked for CHASE BANK. He then went on to try to collect the wrong amount for a difference of $ XXXX I actually send XXXX XXXX and email with the indication that what he was trying to collect was the wrong amount. He continued to send me text messages where he is using my social security and sending me a text message with my social security. I have asked the representative by the name of XXXX XXXX to stop calling me and to stop calling my landlord.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy that is not mine nor have XXXX  nor Transunion properly investigated this inaccuracy. I have tried countless times to dispute this inaccuracy by mail with FTC report and police report and by phone. It always come back verified! Well I contacted the court that this alleged bankruptcy was filed out of and I was informed that neither Bureau contacted them about the bankruptcy and that they also do not provide credit bureaus with this information. I sent a letter to both XXXX  and Transunion asking what method was used to verify this bankruptcy and NEITHER bureaus have responded to my request. Only XXXX  and Transunion Credit Bureaus are repotting this inaccuracy. No bankruptcy is reported on my Equifax.
Product: Money transfers

I made a money transfer to my father in XXXX through money gram. When my father went to pick it up he was told there is no order number matching his number. The lady at store had also made a mistake my fathers name is XXXX XXXX XXXX and she only put XXXX XXXX. I called money gram and they said it was on hold and that my father needs to call a phone number they gave me. So I called my father again and gave him the number to call. Well there was no answer. He went back to the bank and they still have no money for him. So I drove for an hour to the money gram I sent the money through and they told me the money is on hold and there was nothing they can do. So I called money gram again and they said the same thing again. My father needs to call and say they could give me back the money so I could resend it. Again there is no answer to any of the phone numbers they gave him. So I sent {$200.00} to my father that he can not Claim and they will not return to me. Every time I call they same the same thing he needs to call them but none of the numbers they give me work.
Product: Debt collection

IDA, Independent Dealer 's Advantage, LLC contacted me, XXXX XXXX XXXX on XX/XX/2021 with uncomfortably profane threats involving collection of debts. Letter attached also I have been constantly harrassed with telephone calls in my working hours of the day totaling 10 or more calls on workdays starting on the XXXX of XXXX. I was not honored with full disclosure of the terms but I now realize the car I purchased from XXXX XXXX on XX/XX/2021 was settled on the day of the transaction, as all that was owed was secured by security interest in my vehicle. IDA has committed one violation after the other as evidenced by the letter ( s ) attached.

Violations : 15 USC 1605 ( a ) 15 USC 1692 ( a ) ( e ) 15 USC 1692c ( 1 ) ( 3 ) 15 USC 1692d ( 1 ) ( 2 ) ( 4 ) ( 5 ) 15 USC 1692e ( 2AB ) ( 4 ) ( 9 ) 15 USC 1692j ( a ) ( b ) 15 USC 1692g ( a ) ( 2 ) ( 4 ) ( 5 )
Product: Debt collection

I do not owe XXXX made arguments that didnt matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an alert from XXXX that a Hard Inquiry was added to my Credit report for a Credit card application from Bank of America. I Contact XXXX and " B of A '' to report the fraud on the same day. I received a message from XXXX that indicated that the incident was removed and received a Report Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XX/XX/2022 account number XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per

se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15USC 1681 viola
tions for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me.

2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 60 days late. Subsequent to XXXX, no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

My business partner and spouse, recently had a suffered a XXXX XXXX XXXX brought on by what her doctor believes now was XXXX. And due to her illness at the time, she had me legally removed from our business and my access cut off from our business account. Unfortunately because of her illness her XXXX XXXX was XXXX XXXX and she totally lost control of our business checking account, and we incurred over 4800 dollars in late fees since XX/XX/2018. Since I had no access to our accounts and since I was never contacted by the bank myself, I had no idea about she had been so reckless. Upon my return a few weeks back, I've tried to get our Bank of America to remove the over draft charges due to our hardship and the fact I was never contact myself and hence had no idea such had occurred. My request has basically been denied and considering the circumstances of our hardship created by my wife 's medical condition, I am asking for some assistance on this matter. Enclosure ( 1 ) is a list of the charges incurred from XX/XX/2018 till yesterday. Thank you advance for any assistance you might be able to offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempt to get free annual credit report and unable to get it online. I called XXXX and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need help.
Product: Mortgage

Guaranteed rate has continued to ignore the XXXX XXXX tax assessors office as it pretends to proposition 19 guaranteed as voluntarily and without communication to the XXXX XXXX tax assessors office all supplemental tax would be disregarded until the assessors office had completed. Their audit provided a new updated tax bill as well supplemental tax bills the only tax bill that was submitted the new property tax bill according to prop 19 the assessors office advised me that the supplemental tax payments were due and not to pay any of them on the bill. The speed memo was provided to guaranteed rate as to correct the escrow amount being deducted from monthly mortgage payment. This occurred in XX/XX/year> and they had the documents on record guaranteed but six months later they attempted to overcharge me once again without contacting the tax collectors office and imposing penalties interest on monies that were not to be sent out thus putting me in arrears And the mortgage company, forcing a larger mortgage payment of {$700.00} more as well. They paid over {$1600.00} to the tax collectors office after communicating with them at the tax collectors office. They have advised me that that was not a legitimate payment and it was being returned to the mortgage company with an explanation that no supplemental payments or penalties were due This was repeated as such guaranteed rate is misappropriating funds and defaming my financial position and refusing to correct their error by forcing a larger payment on my mortgage, regardless that no supplemental taxes or penalties were due the speed memo explained in detail to the employee, XXXX XXXX who is the chief compliance officer she assured me this would not happen again and it did happen again now theyre trying to misappropriate more than {$6000.00}. This has got to stop and it will cause more than a financial crisis for me, but it is also illegal and forceful. I am a XXXX XX/XX/XXXX and they are abusing me. They are causing my XXXX XXXX injury, along with the XX/XX/XXXX XX/XX/XXXX to create XXXX and extreme XX/XX/XXXX This type of abuse is on a call for this type of neglect and repeated incident after I was assured it would not occur again has caused financial strain as well mental and physical pain and suffering. They refused to correct their error. They refuse to accept the XXXX XXXX tax assessors information and they are forcing and imposing a greater mortgage without applying the additional money theyre forcing on me to the principal they are misappropriating additional funds without explanation or prior to notice, please address and resolve this issue as soon as possible.
Product: Credit card or prepaid card

Requesting a copy of my signed application with terms and benefits. To answer whether Chase advertised for any credit for new applications on XXXXXXXX XXXX during XX/XX/2022 and specific dates and promotions.
Product: Credit card or prepaid card

On XX/XX/XXXX My wife died and she had a capital one card that was in her name alone although I was a authorized user on it, I contacted them to close the account and give them the information that my wife had died, They told me that they would need a copy of her death certificate, I did send them the copy of the death certificate They told me that they would close the account, But to my surprise I received a letter from them saying that I was responsible for the account, I have spoken to them several times as they want me to be responsible for the account now that she is not here to pay for the account I told them no as I was only a authorized user and under federal law I'm not responsible for the account, I have continue to receive letter 's from them for payment of this account, will I came home on XX/XX/XXXX and  found a court order on my door to go to court as they are suing me for this account and they have even but this account on my credit report I would asked that you please help me with this as I have no other idea or place to turn Case # XXXX
Product: Debt collection

This company calls me everyday at XXXX XXXX XXXX XXXX XXXX, repeated calls daily even after i arranged payments on XX/XX/XXXX and was told to call back in two weeks. On XX/XX/XXXX i received 3 calls in 2 hours from this company! Each time i answer its someone always saying they have to make a note because  they dont see the other notes.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed an hard inquiry on my credit report from XXXX Dated XX/XX/2018. Couldn't track down the address or who to contact. According with the Fair Credit Reporting act I am requesting that they met and demonstrated that their hard inquiry for XXXX XXXX met the requirements, pursuant to the Act.
Product: Vehicle loan or lease

My credit score decreased due to a " late payment '' on my auto loan. However, in receiving my billing statements, the statement date listed is AFTER the due date listed on the exact same statement. For example, one billing statement has the date listed as XX/XX/2022, yet the DUE DATE shown is XX/XX/2022. Being that the statement generated AFTER the " supposed '' due date, this expected payment can not be presumed to be sent by a specific date between the creditor and the debtor. The expected payment due date is NOT clear nor concise, and a past due payment should NOT be reported to XXXX, XXXX, or XXXX.