23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage through NACA in XX/XX/2022. They told me I had 60 days to be approved but wanted me to wait for approval until after I had worked at my new employer for one full year. This occurred on XX/XX/2022 about a week before the 60 day window closed. 

In the meantime my mortgage processor ( there they call them counselors ) quit. I feel because of improper case management, my new case worker had insufficient time to process my application and I have now fallen outside the 60-day window. They are now requiring me to check my credit again which I don't want to do. I explained this to the national team as well as my local counselor. I'm not an expect but not processing timely applications I believe is a Regulation B violation. 

On the last day of the 60-day window, my counselor called me with final details. He said they may come back with questions. I thought that meant it would still be solved the same day as I have no loans and no debt beyond credit cards I pay off each month. Yet somehow my mortgage application was deemed " Not Qualified ''. What's worse, I receive this notification via text with no explanation. I wrote them today to ask for further clarification and why Regulation B was not followed. I also asked for a manager or supervisor to escalate this issue. 

Instead, I receive a 3 sentence response : " Your file has been returned with conditions. The underwriter needs a new credit report. Let me know what you want to do. '' I still have no idea why my application wasn't approved. The company is not being forthcoming and I am not getting any help even after I ask for it. I suspect their teams are severely understaffed, but that is not at no fault of mine.
Product: Mortgage

On XXXX XXXX my home that has a mortage with Mr. Cooper Mortgage company was damaged during Hurricaine Irma. My home is located in an area that has been designated as a major diaster area. My loss to my home is not covered by insurance and Fema denied help as I do have insurance, even though the damage was not covered by insurance. 
On XXXX XXXX, XXXX I call my Mortgage Company ( Mr. Cooper ) and asked if they offered any type of  foreberance for victims of a national diaster. I spoke to XXXX XXXX, and she advised me that they did offer a plan where she could suspend my mortgage payment for 3 months, and that it would not reflect on my credit and that the payments would be added on to the end of the loan, without any penalty or added interest. Today I received in the mail a letter stating that this is not true, that the option to add the payments to the end of loan was not an option. I based my decision to temporarily stop paying my mortgage for 3 months on what I was told by XXXX XXXX. What help is a forebearance if the money is due at the end of the 3 months. I feel XXXX XXXX an employee of Mr. Cooper gave me fraudulent information that has caused me to now come up with the missed payments or could face foreclosure.

I called Mr. Cooper today and spoke to another young lady who had no definite answer to what will happen in 3 months, she said they could forgive, add it to the end or ask for payment in full. I then spoke to a supervisor who told me that my only option was to pay the missed payments at the end of 3 months. I believe I was fraudulently misled and now I can possibly lose my home to foreclosure if I ca n't come up with the missed payments, that I was told would be added to the end of the loan. This is not truth in lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A STUDENT REPPORTIG ON MY CREDIT REPORT THAT I DO NOT OWN AND I NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit card or prepaid card

I have 4 credit cards with Citibank, ( bestbuy, XXXX, and 2 at their instituition ) after filing a valid dispute that was resolved, citibank decided to close all my cards because I've had to many recent credit card applications. The company did not provide any options and closed my first ever card with XXXX   that I've had for 14 years. I never had problems with XXXX, bestbuy credit cards ever. They completed discriminated me against a valid dispute against a company that was scamming consumers and was even being sued by the FTC XX/XX/2018. Citibank is unfair and unreasonable. They decided to close -4 cards, and my credit affected heavily.
Product: Money transfers

Western Union sent me XXXX letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ( I did not act on this until this week because I was out of the country for 4 months ) saying that they made a mistake and wanted to refund my transfer fee on a specific transaction ( {$12.00}, {$15.00} & {$12.00} { for a total of {$39.00} }, corresponding to the above letter dates ). They did not enclose a check but said that " You may generally pick-up your refund at any Western Union agent location in your area ''. Monday XXXX XXXX I went to a 'full service ' agent ( XXXX, XXXX XXXX XXXX , XXXX XXXX, MI XXXX ). They took my letters, went to their computers and after much time said that they could not find any information about this matter. The only way they could help me is by calling Western Union. I said, " You are busy, I will stand here and call Western Union myself. '' I did so and spend a total of 26 minutes on the telephone. After a long initial hold period, I did speak to a customer service representative who knew nothing about the matter but went off-line twice for long periods of time. After the second time off-line she came back on and excitedly told me that she now knew which department I needed to talk to. She quickly transferred my call at which point I was on hold again. After 5 or 6 minutes more on hold and, as noted above, 26 minutes total elapsed time after Western Union first picked up my call, I gave up and disconnected the call. This whole process strikes me as a blatant attempt on the part of Western Union to avoid refunding monies that I am due. The {$39.00} is 'de minimis ' to my financial well being. But, how many other people and how much money is Western Union trying to avoid dealing with ; trying to avoid fulfilling their obligations?
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXXXXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit card or prepaid card

I applied for the JetBlue MC back in XX/XX/XXXX through an application given while in flight and collected before landing ; a few weeks after applying I received a letter from Barclays stating that I could not get the card because the terms offered on the card that I applied for ended. A couple of days later I received another letter stating that they could not approve the card because my record on one of the Bureaus ( My credit is actually really good ). Then a couple of weeks later I received a JetBlue Card offer, which I completed online using the provided Personal ID Code on the offer. Today XX/XX/XXXX I received a letter stating that my application ( # XXXX ) was denied because " Too many recent applications ''. I only applied once prior to the most recent time, and was told that the offer was no longer available. I have made attempts to contact Barclays Customer Service and at this same time have been kept on hold for 1 hour and 41 minutes. They are using deceptive marketing practices, apparently discriminating in the application process, because there is no reason why I should be denied. You can contact me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Inquiries with all three credit reporting agencies. Called XXXX XXXX  over 60 days ago they recognized as fraud through XXXX and sent Inquiry removal letter to myself and XXXX   XXXX, and Exquifax. I sent letter from XXXX to all three credit reporting agencies to have removed. Equifax only one Refusing to  remove after receiving letter from XXXX and myself. 

1. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
2. XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX National Credit Card Cos. 
3. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
4. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks 5.XXXX  XXXX  XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.
Product: Credit reporting or other personal consumer reports

I submitted letters to XXXX, XXXX, and Experian ( XX/XX/2024 ) asking them to verify the accounts that I listed belonged to me. I have yet to receive a response. They are not complying with their policies by responding within the required timeframe. I have been a victim of identity theft and I am exhausted trying to repair the damage that has been done. I am tired of being denied credit. Please help me.
Product: Debt collection

A check was sent to XXXX XXXX from a third party with the intent to pay off my account in full. The payment was sent on or about XX/XX/XXXX to the payment address listed on the XXXX XXXX website. 

Approximately 2 weeks later, the payment was returned in the mail as undeliverable. I sent a message through the XXXX XXXX website regarding the returned mail. I was advised that the address on the website was wrong, I was provided with a different mailing address. It was suggested I take the payment into a store. 

On approximately XX/XX/XXXX, I took the check into the XXXX XXXX location at XXXX XXXX XXXX in XXXX. Two sales associates and two managers assisted me and could not figure out how to process the payment since it was from a third party. They suggested it be mailed. 

On approximately XX/XX/XXXX, the payment was mailed to the address provided by XXXX XXXX.
Two weeks later, I had been charged additional interest and a late payment and the check had not been processed. I contacted XXXX XXXX through message to find out why. It was suggested that I wait a few more days ( 10 business days ).
AT 13 business days, the check had not been processed. I contacted XXXX XXXX to find out why or to see if it has been lost and if payment should be stopped. 

I was advised that the payment was located and would be applied to my account within 5 business  days. I requested that late fee and interest be removed since they had the check in their possession and had refused to process it. 

As of today, I have again been assured that they have received the payment, even though it has not been processed. I have also been advised that the late fee and interest will not be removed from my account. 

Since XXXX XXXX has declined to accept or process the payment in their possession, I believe it is only fitting that they should not be allowed to charge interest or late fees to my account.
Product: Vehicle loan or lease

I HAVE ATTEMPTED TO REACH OUT SEVERAL TIMES TO THIS COMPANY AND I AM OVER IT! THIS ACCOUNT WAS OPENED UP FRAUDULENTLY!!! THIS IS NOT MY ACOUNT! FOR YEARS THIS ACCOUNT HAS EFFECTED ME AND MY FAMILIES LIFES! I HAVE BEGGED FOR YOU GUYS TO TAKE IT OFF. THIS IS NOT MY FAULT! THIS IS YOUR COMPANIES FAULT AND THE WAYS YOU USE TO VERIFY PEOPLE! I HAVE FILED IDENTITY THEFT REPORTS! I DONT KNOW WHAT ELSE TO DO! TAKE OFF THIS ACCOUNT!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or rectify the following inaccurate accounts in my report : XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I have reported the transaction as an authorized and try to dispute it with the bank, but the bank has failed to do enough research to see if the transaction was an authorized or not, and has refused to provide me the information to use to determine the transaction was authorized
Product: Credit reporting or other personal consumer reports

I recently pulled my reports and noticed a company by the name XXXX is reporting incorrect information on my credit profile. The alleged debt is being reported by XXXX as " Charged Off '' but XXXX and XXXX not reporting that can not be true, Because the account on XXXX and XXXX and XXXX are different its not even on them so this means the account has not been properly verified. Please delete this account immediately.
Product: Credit card or prepaid card

I do not generally pay intereset when I get a credit card. I typically pay it off in full when I recieve the bill. I asked to go paperless on my Capital One account because like everyone else, I want to save the planet. I rarely use this card so when I did not receive a bill for the first couple of months I was not alarmed. I really got it as an emergency backup card. When I finally did use the card I never got a statement. From the period of XXXX XXXX to XXXX XXXX I was charged interest on an amount that I NEVER recieved a statement for. This interest totaled {$530.00}. I only noticed that this was happening because they also negatively affected my credit score. My bankcard, in which I pay everything with, was hacked and I had to change all my bills over. I used all my statements to make sure I did this but was unable to do it with this credit card because as I said earlier, I never recieved a statement. When I contacted Capital One around XX/XX/XXXX they notified me that there was a technical problem on there end and that sometimes statements do not go thru with XXXX email adresses. There was not a problem with my email adress and the statements did not got to spam, they just did not go thru. I spoke with a manager there with employee # XXXX. She notified me after I got off the phone with there technology department that I would have to make a payment before any dispute could be made and to call back in a couple of days when the payment is processed. I called back once and their system was down apparently. I was finally able to talk with another manager, id # XXXX, on XX/XX/XXXX. He informed me because of the terms of agreement that he would not be able to take away the interest charges. I informed him that on those same terms of aggreement it states that I will get a notification of any statement balance. He agreed that I should have gotten a statement and that it is hard to pay a bill or balance that you are unaware of. He also stated that he understands my frustration with the {$530.00} but says he is unable to reimburse me for the interest charges because of the terms and conditions of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I requested validation and verification of alleged debt from 3rd party debt collecting agency. Verification of debt can only be performed by myself and myself only, provided proper documents purchased from the original creditor of the account that I allegedly owe said debt to that must include my wet signature. I am the only person who can property verify such documents. I have not received any documents whatsoever and my credit report has been updated with new remark verified. This account should be removed from all reports and scores, and all phone contact must cease and desist until said account is in fact verified by myself only.
Product: Mortgage

Could not I fo from loan from prior servicer to prove loan was paid off early and was not a lost assignment
Product: Credit reporting or other personal consumer reports

I've noticed a various amount of hard inquires that I do not recognize or have authorized that needs to be removed from my credit report. The inquires listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DO NOT HAVE ACCOUNTS WITH ANY OF THESE COMPANIES EXCEPT XXXX  XXXX AND XXXX XXXX. FTC DIRECTED ME HERE TO REPORT. THIS GOES AGAINST ALL CONSUMER RIGHTS ( FCRA ) AND MUST BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my rights! 

Account : XXXX XXXX XXXXXXXX There are inaccuracies on : Account Rating, Date of Last Activity, High Balance, Date Reported, Account Type That is 5 errors that each carry a {$1000.00} fine! I have disputed this account for removal multiple times now with Equifax and I am in my legal right to demand its removal!

All Data is supposed to match 100 % on all 3 bureau credit reports and it does NOT.

I am in my full legal right to demand this account be removed immediately! 

I will contact my legal representation to start proceedings.
Product: Credit reporting or other personal consumer reports

My Information was stolen and I placed a freeze on my credit report I contacted, all three bureaus and it seem as if they ignore my request to have such information removed because the address XXXX XXXX  XXXX  is not my address nor any account or information pertaining to that address has nothing to do with me and that was In XXXX I live contacted Experian, XXXX, XXXX for a deletion of this information as it is inaccurate. Also I filed a police report in XXXX  as well regarding identity theft. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX are all listed on my report and are all inaccurate information. Ive contacted them and asked to provide information and they have not so I asked to Please have these and inquiries removed and I havent gotten a response under the FCRA 15 U.S.C. 1681 et seq I am a consumer and advocate and would like this information to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credentials Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off or not added properly I Contacted The Creditors & they all say call credit Bureaus & Now Im Taking These Steps Of Filing Reports With Copies Of all documents I receive before getting attorneys involved I submitted not once but twice letters to the experian, XXXX, XXXX address i have on file from XXXX & no reply This time i will be sending letters with tracking information to the same address Looking foward to your response