23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Nationstar Mortgage d.b.a. Mr. Cooper returned endorsed insurance claim checks, requesting the public adjusters name not be included as payee. Only myself, and Mr. Cooper be listed as payees. I contacted the insurance XXXX  to request change in payees. The request took several weeks as a result of XXXX XXXX delay and request for irrelevant. information I filed a complaint with the Illinois Insurance Commission ... Getting back to Mr. Cooper, finally after receiving reissued checks I endorsed and overnight couriered them to Mr. Cooper Loss Draft Department XXXX XXXX, XXXX, due to a Federal holiday they received the three documents they requested payoff quote, signed request to use insurance claim funds to pay off mortgage and the endorsed checks. I contacted Mr Cooper Loss Draft Dept to verify documents had been received, a frustrating process, literally. lead from one person to another and automated responses. One individual stated it would be a three-day turnaround once the documents were entered into their system., another stated it could take up to thirty days.as of today XX/XX/XXXX I have not received the excess funds I requested. Despite the fact I paid my mortgage on time for years. The fact that Mr. Cooper would charge me late fees and interest if I was late paying my mortgage. I also should be justly compensated accrued interest for the funds being held beyond the payoff date.
Product: Credit card or prepaid card

hello I have a Capital One Platinum secured card with a starter limit of ( XXXX dollars ). I've had this card for almost 3 years. In XXXX from XXXX to XXXX, I lost my job and I was not able to make payments on the credit card and once I missed a payment in XXXX XXXX. Total of 5 missed payments. I've made on time payments for this card for 2 years in a row starting from XX/XX/XXXX to present. Yet the credit card companies still reported this late payment history on my credit score. I need help removing these derogatory marks because I've tried to call Capital One and I was told by them that nothing could be done. XX/XX/XXXX one time late payment was a mistake i made and XXXX to XX/XX/XXXX was a job loss and could not make payments. I am asking for help in this matter, again I've been on time for 2 years now and I want these derogatory remarks removed PLEASE.
Product: Student loan

During the pandemic, I was facing financial hardships and was worried when things opened back up again that I wouldnt be able to pay my student loans so I did research in consolidating loans and discovered the company SLFD processing. They insured me that if I paid a monthly fee for six months that they would consolidate my loans and put me on a program that was income driven and that their company was qualified in dealing with private and federal loans and consolidation. I paid every month, and when I reached out initially, I was usually was met with someone trying to assure me that the company was legit and that everything would be handled. When President Biden announced his intention to lower student debt, I looked into my current situation, and when I searched for SLFD on the Internet, I found that there were many people who were scammed by SLFD in the same way that I was. I fear that I was a victim of a scam that took money from many people and I am terrified that my information was sold to a third-party and that the money that I spent on my student loans being consolidated is lost forever, which is a huge blow to my current financial situation. I have reached out to them many times and have heard nothing back in response. The last email I got was a message saying that my point persons email no longer exists. The only information I have is that there may be an ongoing investigation into SLFD and that there might be some sort of class action lawsuit but I dont have any of that information and I have not been included in any of those conversations. Please help me get to the bottom of this I am genuinely very scared. Thank you so much for your time and help. I greatly appreciate it.
Product: Checking or savings account

Citibank XXXX IL in regards to the estate of my father There is a subpoena they refuse to answer in regards to the ownership of XXXX of his accounts. It is holding up the Estate/Trust I as executor personally have attorney fees of over {$1500.00} because they won't give information of who was owner of accounts after his death. A sibling is personally suing me because the amounts went into his Estate account. My father passed away in XX/XX/year>. 
Citibank as a company has been a huge reason we have not been able to settle both the Estate and Trust. They wouldn't give us credit card records it took over a year to get them and now this.

We need confirmation of who owns his accounts upon death. My father trusted Citibank with both accounts and credit cards and this has caused years in delays this shouldn't happen. People should be aware that they are too big and don't care about you
Product: Debt collection

The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 791 I may presume that no proof of the alleged debt nor therefore if any such debt in fact exists. 
The is invalid, inaccurate, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating this non-complaint unverifiable account on my consumer report. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  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 Experian XXXX XXXX XXXXXXXX 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 XXXX 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
Product: Credit card or prepaid card

I have been an American Express Bluebird customer over seven to eight years. Never have I experienced such rudeness from their customer service department as well as a hold they are talking about for seven to ten days. I have a prepaid Visa and Master Card as soon as a return hits my card it is credited. I called Amex due to TWO returns one in the amount of {$26.00} and the other {$67.00}. This is inexcusable, I work hard and have Direct Deposit every pay period to this account. I need to get gas for next week and because American Express Bluebird rudeness, I may have to catch a ride with a friend or stay home. They can not even explain what Merchant Hold Means. I will redirect my Direct Deposit to my regular bank and cancel this card. This is horrible treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with JP Morgan Chase was paid via short sale in XXXX of XXXX. There is no balance and each month the account reports as delinquent. This is reporting via XXXX  and XXXX and hurting my credit score because the delinquent status is not aging. I have filed several disputes and contacted Chase directly with only one real response on XX/XX/XXXX and every other response after that generic. Please let me know if you can assist with having this account report correctly as a non delinquent account.
Product: Credit card or prepaid card

Discover closed my credit card due to inactivity without notifying me. I have been a customer of Discover for 20 years, have never made a late payment, and never even approached my credit limit. 

I received no notifications that this was happening, either by mail or email. No attempts were made to call me. 

They refuse to reopen the card, which was closed without my knowledge only 3 months ago. They want me to reapply for a new card. 

I have been damaged by this as the excellent credit history of the card has been deleted from my credit report, my total available credit has been reduced, which will adversely effect my credit score, and now have less actual available credit if I need it. Further, they want me to re-apply which will damage my credit score by adding an inquiry, and placing new credit on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting

I have attempted to submit a complaint with Experian but, they keep telling me they can not release my information and I can not get a representative on the phone. There are several names connected to my social security number that are not mine. My name is XXXX XXXX XXXX. After going to a closing for a recently purchased property they presented me with at least XXXX names connected with my SSN that I had no idea were there. I recently pulled my annual credit report and this information was not disclosed on it. The names listed are any variation of Love XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I am sure Experian is the problem but, can not even submit my complaint. Furthermore, I now have to have the documentation from the credit reporting agency that says I am who I say I am before I can get these false names removed from my XXXX account and my XXXX account.
Product: Credit card

I Joined XXXX XXXX Military XX/XX/2003 and am still XXXX XXXXXXXX XXXX Military I am a Louisiana Resident and maintain residency there while serving XXXX XXXX. I believe my Account number is XXXX. I have been charged over the amount of interest that is allowed by the Louisiana XXXX. I would like that interest paid over the interest limit refunded to me. XXXX XXXX XXXX XXXX I will submit my Leave and Earning Statement for verification that I am paying Louisiana State Taxes as well as my Military Orders for service verification if you need any other documents please reach out.
Product: Debt collection

They call me multiple times a week and yell and scream at me and tell me I am a bad person and I owe over XXXX which is not true, they wo n't even take a payment they just scream at me, they also will not provide any kind of documentation of the debt in full.
Product: Credit reporting or other personal consumer reports

I checked my credit report as I always do, only to discover inaccurate accounts had appearedout of the blue, with no explanation. I even tried refreshing the page, thinking it might be a display error, but the accounts remained. I would really appreciate a thorough review of the documents I submitted to ensure this wont happen again.
Product: Credit reporting or other personal consumer reports

This is my attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. 
These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my credit file : XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX.
Product: Mortgage

I have had a HELOC with Chase since XX/XX/2006. I have paid in time every single month. I borrowed {$50000.00}. Today I owe {$44000.00}. 
I noticed today while reviewing the Details of my loan that they are CHARGING {$550.00} in INTEREST monthly while my payment on the loan is {$420.00}!!!!!! How can this be legal??? How can it ever get paid off?? I have perfect credit, my fico is an XXXX, and I pay all my bills on time. This is NOT a loan that me or ANY consumer should receive. This must be unlawful and illegal. There is no way to repay. This is not compliant. I need a proper loan agreement that is reasonable. 
Chase needs to correct this issue immediately.
Product: Prepaid card

My XXXX XXXX I've been paid XXXX since XXXX  there are MANY TRANSACTIONS THAT I HAVE NOT DONE
Product: Checking or savings account

I was fraudulently charged XXXX by avant- this over drew my bank an o have to open a new account now after having this account over 15 years. This was charged as an XXXX  on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I observed XXXX XXXX Credit Card has not reported this credit card on my daughters credit report to Transuion or XXXX. This card is only showing to her XXXX report. Its showing on all three of my credit reports with Transunion, XXXX  and XXXX. I am requesting for this credit card by XXXX XXXX, to be reported on all 3 of her credit reports as wells. Attached are documents showing it is only being reported to one credit bureau and thats XXXX.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XX/XX/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 or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XX/XX/XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXX, Consumer Financial Protection Bureau, and XX/XX/XXXXwith legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

When I signed up for this credit card I was told and reassured several times about certain " service protection plans '' I paid for monthly would cover me in the event of any accidents or unexpected short comings. Job-loss and unemployment protection was XXXX of them, I paid my bill monthly and kept it current. Then my employer unfortunately had to closed down and I was left unemployed. Still continuing to pay with what I had to give, I was under the impression by what the company representatives previously told me, that my protection plans I was paying for since day XXXX would kick in for me. I apparently was wrong, not only did they use misleading tactics to get me to pay for a service that was more money out of my pocket but it did absolutely NOTHING that they had previously told me that it would do, or cover! This is beyond unethical and morally corrupt as a major company to be misguiding its customers for profit like they did me. At the end of the day I could not afford to keep up and instead of taking care of the issue like the " service protection plan '' promised they sent me to several debt collectors until ultimately being sued for it, having to pay several other fees in addition to the debt.
Product: Credit card or prepaid card

XX/XX/XXXX I reported to Chase 6 unauthorized charges on my credit card. They cancelled card ; reissued a new one and accepted my 6 disputed charges via the phone call. They credited/resolved 2 of the 6 charges after my research showing them confusion on thier part on vendor. The 4 other disputed charges were credited and then rebilled in XX/XX/XXXX. I made several phone calls to dispute department trying to resolve charges. I received some US mail documents saying they received and will be researching. I reached out to merchant to verify if Chase had contacted them and they had received only 2 of the 4 disputes along with an email that tells merchant not to give me credit as they Chase has provided me credits.Also received some confusing documents with no information and a blanket type statement We can not continue due to lack of information. I then per thier request mailed certified documents to thier XXXX XXXX dispute department in XX/XX/XXXX. I received a letter stating this dispute has gone beyond time limits and we are closing the case. I in XX/XX/XXXX ; reached out through social media ( XXXX ) to Chase to try and resolve. We communicated and set up a time for them to call me 3 days in a row ; which they never did. 
I have all documents and copious notes of all attempts and copies of my twitter out reach with thier responses. I also have email from merchant supporting Chase neglected to dispute all 4 charges to this merchant. 
The amount of unresolved disputes is {$700.00}. 
I can also provide the reason these charges were unauthorized, if needed. 

I will send all documents if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$23000.00},