23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX has contacted Nationstar for foreclosure prevention alternatives. Due to a valid hardship, she reached out to Nationstar to pursue a loan modification. When denied, XXXX has attemped a short sale, which she feels is her only feasible option at this point to avoid foreclosure. XXXX has acted in good faith by listing the property at fair market value with a local real estate professional, and subsequently securing a buyer. When we attempted to initiate the short sale process with Nationstar Mortgage via their Equator platform, the file was closed out due to the upcoming foreclosure sale on XXXX XXXX. In XXXX, XXXX received correspondence from Nationstar denying her of the loan modification letting her know that short sale could be an option for her. Without delay, XXXX listed the property. Considering Nationstar suggested the short sale, it is unfair for them to deny her due to the lack of time to get it completed. Suggesting the short sale gave XXXX false hope that there might be an alternative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/XXXX I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Product: Credit reporting or other personal consumer reports

I submitted a complaint back in XXXX of 2023, regarding a XXXX  XXXX bankruptcy that has been placed on my credit report. The investigation that transunion did, was not complete, and also ineffective, There was no proof provided of who they spoke with to prove this belonged to me. I have disputed this account numerous times, and nothing has been done.
Product: Checking or savings account

I opened a checking and savings account with First Citizens Bank, and when I opened the accounts, there was a promotional offer offering a bonus if I fulfilled certain requirements. I opened the account on XX/XX/XXXX. 

Looking back on my notes, here are the requirements : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account # 1 - I did 11 debit card transactions within 90 days of account opening # 2 - I did enroll in eStatements # 3 - I did open a new savings account. 

My notes say that the bank will provide the {$300.00} bonus within 120 days of meeting the requirements. The requirements were fulfilled on XX/XX/XXXX, so 120 days later should be around XX/XX/XXXX give or take. 

I sent a message thru the online banking portal on XX/XX/XXXX since I still have not received the sign up bonus. 

" Hello, I hope whoever is reading this is doing well and enjoys their XXXX. I'm messaging you regarding my checking account. When I signed up, there was a bonus offer if I signed up for {$300.00}. I've had my account for a few months now ( and I like it, I'm also using the savings account which comes straight from my paycheck ), but I don't think I ever got the sign up bonus. Can you look into that? Thank you! '' I received a response later that day on XX/XX/XXXX stating : " Dear XXXX XXXX, Thank you for your message. We appreciate the opportunity to respond to your inquiry. Our promotions department is currently reviewing accounts opened during this promotion. Unfortunately, we do not have a time frame on when the credit will be applied to your account. 

If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX ( XXXX ). You can also contact us internationally at XXXX. Our representatives are available Monday through Sunday between the hours of XXXX and XXXX XXXX. Thank you for contacting First Citizens Bank. We appreciate your business. 

Sincerely, NAME Customer Support Specialist '' Which was very confusing as I've met the requirements on XX/XX/XXXX, 120 days later should be around XX/XX/XXXX, and I messaged in on XX/XX/XXXX, so they definitely should have had enough time to review my account, so I called into their phone line on XX/XX/XXXX. 

After reviewing my request, the customer service representative said I did not qualify for the bonus. 

However, based on the notes I have from when I originally signed up for the bonus back in XXXX, it appears that I have indeed met all the requirements and I should be eligible for the bonus.
Product: Debt collection

This debit collector keeps calling me non stop everyday at not treasonable times. I keep my phone on just in case my daughter school calls so its on vibrate but i recently got a warning of my phone going off at work due to this company keep calling my phone back to back every 3 hours of the day. They called once before after XXXX. I have told them i do not know what this is but stop calling me because I work. I have to research to see what it was because they wouldnt tell me and I seen it was for debit collector which i do not know what for. I am being harassed by this company call CBE GROUP!!!! They keep calling from different XXXX numbers and I am really tired of them calling non stop! I have blocked every number they tried calling from and they keep calling over and over. I am sick of this and refuse to lose my job over this company. The phones calls must stop I am tired of them and i do not know who they calling on a behalf for. Its been almost two months and i am tired of the calls
Product: Credit reporting or other personal consumer reports

Even though it shows on my XXXX and XXXX reports, I noticed that my XXXX XXXX XXXX tradeline account is no longer being reported to Transunion. The account was in good standing for quite some time, and I believe it should be reinstated. The removal of this tradeline has had a negative impact on my credit score and no longer accurately reflects my credit history.
Product: Debt collection

Hello, My social Security number was stolen by my boyfriend who opened up a person loan in XXXX of XXXX with a company called Cherry Technologies. They repeatedly call and text me every other day asking for a payment or to make one monthly payment of {$230.00} and they will wave all fees and penalties. other text messages I receive are threatening me that they will report to the credit Bureasus. I have called them and report that the account as fraud and they have denied my claim twice. Due to the fact that there is a bank account and card attached to the account. If they would look deeper into the matter, both of those thing attached to the account are not under my name but my boyfriend at the time XXXX XXXX. I have even contacted the person where the loan was used. They would get back to me and try and help but never did. I received another phone call today from Cherry Technologies XX/XX/XXXX and explained to them that this account is fraud and that I need to contact the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX All Inquiries under the FCRA and FDCPA
Product: Checking or savings account

I was out of work last yr. for 3 months due to XXXX XXXX XXXX. I had a check bounce one day before my check was deposited after I went back to work and the bank did not cover this check. I was charged a bounced check fee, from the bank and also the Insurance company that it was going to. The problem I am having now is that this bank, " XXXX XXXX XXXX '' out of XXXX, Pa. took over the small bank, " XXXX XXXX '' out of the XXXX, Pa area and is charging a late fee of {$12.00} EVERY THREE days. This is outrageous, every time I have gone there to cash my check, I met other people there complaining about how they ca n't get their money out, even though they deposited cash, I too have been told that I ca n't withdrawel my Cash out for 3 days. Why? Does it take that long for them to make a few bucks on my cash deposit before I can use it myself, They have sent this to a collection company for pmt. which I have already paid the Bounced check fee, but nothing else and I do not plan to pay {$12.00} every 3 days for this
Product: Credit reporting or other personal consumer reports

Disputed items on XXXX as of XXXX only two changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been to the state of Florida we're it shows various cases for drugs and narcotics this is preventing me from getting a job can you clear this up please. I am not on probation or parole this is clearly identity theft.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have some Fruad inquiries on my equifax report. 

XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023
Product: Debt collection

This debt is about XXXX years old ; XXXX XXXX has given the debt to another company, Brock and Scott. Brock and Scott took a payment from me, saying they could settle the debt. XXXX XXXX refused and said they wanted the total amount ; when I asked for proof of said debt, I was given the runaround, and mind you, I have two obligations with XXXX XXXX, and they will provide nothing. Brock and Scott reached out about XXXX weeks ago, saying XXXX XXXX agreed to the settlement. I contacted XXXX XXXX, and one rep stated, No, we do not agree and will not settle. The other said, We agreed to the settlement but didn't know the terms. she put me on hold and transferred me to another lady who said the same but gave the amount of XXXX. XXXX XXXX took money out of my bank account and honored some of the refunds I disputed. XXXX XXXX went on to close a credit card with a deposit of XXXX and has all but refused to explain where that money went. They have already sued me and continue to cause emotional stress, at this point nobody is on the same page and we have mediation tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I obtained my credit report from tranunion. I noticed that there are 16 fradualent inquiries on my credit report. I contacted transunion to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid lockdown XXXX XXXX XXXX has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.
Product: Credit reporting

My complaint is with XXXX, Experian, XXXX. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.
Product: Checking or savings account

XX/XX/2023 I received an email saying that a Bank of America checking account was opened in my name. I did not authorize that are open that account. It seems whoever did this has all of my information including my full name, email address, and Social Security number. I called Bank of America and had that account closed. I received that same email Monday morning, XX/XX/2023 saying that another account was opened in my name. I called Bank of America again and have that account closed. I also contacted the credit bureaus to put a freeze on my credit.
Product: Mortgage

My payments was locked in on XXXX a month. Then a few months passed and my monthly went up XXXX dollars a few more months later my monthly mortgage. A few more months passed and my monthly mortgage went up again this time XXXX dollars a few months it went up XXXX XXXX dollars. They assured me it was a mistake so months later they lowered it from XXXX to XXXX so it was still to high, but I was barely managing I asked for them to remove my PMI and luckily for me they did so my monthly payment went from XXXX to XXXX for XXXX month only and in no time with only XXXX month of me paying XXXX my mortgage went up yet again and now here we are. With my mortgage continuing to rise I believe there is a more serious matter at hand not sure if I'm being taking advantage of or what but I hope you can help shine some light on my situation
Product: Student loan

On Friday XX/XX/XXXX, I XXXX XXXX, formally XXXX XXXX DOB XX/XX/XXXX was applying for school at XXXX XXXX XXXX XXXX. I contacted XXXX for financial aide, and was advised that I had outstanding student loans from XX/XX/XXXX. I advised the financial adviser that I repaid the company thru my taxes in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, My entire tax return was taken from me all 3 of these years to pay back these student loans. On XX/XX/XXXX, at approx XXXX XXXX, I contacted Navient student loans to discuss the payments that were made from my tax returns from all 3 years and I spoke to a Representative named XXXX, I told her that I paid the loans from XX/XX/XXXX back with my tax returns and i should not have a balance owed, and she advised me that she could not give me any information concerning the account and I had to contact XXXX XXXX XXXX funds at XXXX. Upon me calling that number the promp said thanks for calling Navient. this was the same company that I contacted the first time, and the promp said that the office was closed it was apporx XXXX XXXX. It is to the best of my knowledge that I am being scammed and I have over paid this company, they are also stooping me from receiving funds to help me further my education. I need justice as well as help with this. I have overpaid this company more than 3 times.
Product: Credit reporting or other personal consumer reports

My dispute started over 3 months ago as I requested both XXXX and Trans Union to investigate the accuracy of the XXXX items above. Attached to this complaint, you will find a total of four letters confirming what I was disputing above, as well as letters requesting the credit bureaus to send me a description of their reinvestigation procedure per the FCRA 611 15 USC 1681i ( a ) ( 7 ) Description of Reinvestigation Procedure ( 15 Day Time Frame Requirement ).

( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 


XXXX received my Certified Mail request on XX/XX/2023, and Trans Union received my Certified Mail request on XX/XX/2023. With today being XX/XX/2023 both XXXX and Trans Union are now in violation of my consumer rights. Therefore, Im requesting that both XXXX and Trans Union remove the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  off my credit report as soon as possible. Also, since they are both violating my consumer rights, Im requesting that you ( CFPB ) take action against them if they do not remove the two above-requested trade lines off my report immediately and send me a new credit report confirming their actions. I appreciate your assistance in this matter!
Product: Mortgage

I was approached on refinance or HELOC due to rates were lower on XX/XX/year>. I responded on XX/XX/year> asking what the credit score has to be and that I was working with XXXX XXXX. On XX/XX/year> I received a message stating they could get me a locked loan estimate and what the credit score could be at the lowest, which was XXXX. I then returned the phone call and spoke with the representative who sent over a link after we talked about the process. I received an link to fill out an application through text message and completed the application on XX/XX/year>. The representative asked for additional documents and asked me to email them to them directly. I emailed mortgage statement, Insurance documents, pay stubs, W2s, and student loan information. We were on the phone as I was sending items over. The representative stated they received everything and would call me back once they worked to see what lender they could get to provide me a decent quote. 48 hours went by and no communication, I texted on XX/XX/year> asking did the application get rejected due to me not hearing back, the next day XX/XX/year> they replied that they had never done an application for me. I replied stating I have sent over documents to them through email and the link provided. I also emailed them as well saying the same thing and asking what is going on. No response has been made. I am now mad at myself, because I am convinced I provided all my documents to someone who scammed me from the company name EMortgage Capital. I looked them up online and saw their contact number and no one answers, only a generic voicemail picks up.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.
Product: Student loan

I had a student loan with Sallie Mae ( sold to Navient ). I had intended to finish school with University of XXXX, but at the same time I was attending XXXX XXXX XXXX. By the time I ended the day at XXXX school, the library was closed. So I had to drop out and focused on XXXX XXXX school. During the course of my account I had missed a few payments. I was in financial hardship during the period I had the account. I have PAID the account off last year 2017. I have request Navient to forgive my late payments on my credit file after I had paid off the account, and with fail they denied me.
Product: Debt collection

After going back and forth with this collection agency, informing them that I do not have a child, and more - Ive finally just went to the police. I am tired of going back and forth. This is not my account, please remove this from my credit report and cease all collection attempts ASAP. 

Attached is my official FTC Identity Theft affidavit ( which serves as a legal identity theft Report - as its given directly to law enforcement that I indeed DID give you prior to ) In addition, attached is a Locally filed Police Report. 
POLICE REPORT CASE # XXXX
Product: Debt collection

I received a collection notice from MCM on a credit with XXXX, account # XXXX and Midland Credit Management account # XXXX. The amount is {$620.00} and they offered me a settlement for {$370.00}. I have contacted them several times online and by phone to pay the settlement they offered me but they said they can not get my account and that I need to wait some time, at least one week more to get called about the debt. I explained them I need to fix my credit report but they said they can not do anything about it. The Phone #  they give me is XXXX.
Product: Credit reporting or other personal consumer reports

looking at my consumer reports i discovered that some late payments on an account that i maintained timely payments. Consumer agencies play a critical role in accurately reporting information. it is imperative that this information be reported with the utmost accuracy. I never missed a payment on the account here : XXXX  XXXX # XXXX i want to request a thorough investigation inti these discrepancies and urge you all to provide evidence such as statements demonstrating the lateness of these payments. If not, i demand that these payments be promptly updated to reflect their true status as on-time as I been doing.
Product: Mortgage

On XX/XX/XXXX I applied for a new cashout refinance mortgage. My new lender and their title company have tried for 14 business days to get my payoff from Capital mortgage Loan Servises of Texas. They have never complied. I contact them on XX/XX/XXXX and requested this payoff myself amnd they denied my request. They have made numerpus excuses and have denied sending my payoff to title and have severly hurt my financial status.
Product: Debt collection

To Whom It XXXX Concern : This letter is in response to the validation previously sent. The partial documents sent are not sufficient proof that I owe a debt to you, Portfolio Recovery Associates LLC. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally and well as financially. Your Company and its agents harassed me for an alleged debt that was not even validated. Your company shared statements as well as a Consumer Contract as evidence of the debt but as per the judgement in the case of XXXX XXXX XXXX v XXXX, a copy of the Consumer Contract or statements is NOT sufficient evidence of a debt. Furthermore, the original creditor reported this on my consumer report as a " charge off '' and they are no longer attempting to collect this alleged debt owed by them. I have contacted XXXX XXXX directly to confirm that they are making no further attempts to collect this debt. Through the response received from this creditor, I would like to inform you that you are in violation of 15USC192j ( a ), because your company furnished a deceptive form to create a false belief in me as the consumer that the " creditor '' was attempting to collect a debt, but XXXX XXXX has informed me that is not true. Pursuant to 15USC 1692j ( b ), any person violating the above mentioned section shall be liable to the extent mentioned under 15 USC 1692k i.e {$1000.00} ( XXXX XXXX dollars USD ) per violation. I have counted several thus far. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing a CFPB complaint against you for the following : * Violation of the Fair Credit Reporting Act - reporting inaccurate information * Violation of the Fair Debt Collection Practices Act - continuing collection activity on a debt which has not been validated This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Delete from all consumer reports 2. Clear away any alleged balance owed 3. Stop all attempts to collect on this alleged debt REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE And NEGATIVE REPORTING OF THIS DEBT You shall be granted 10 days to comply. Should you not, I will put this case forward to the Attorney General and pursue legal action for the violations identified above. Please govern yourself accordingly, XXXX XXXX XXXX Acct number XXXX ref # XXXX