23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My XXXX XXXX was sold, " all cash. '' sale. 
Closing was scheduled for XX/XX/XXXX. As of today, Wed. XX/XX/XXXX, we still have not closed. Not closed because XXXX XXXX XXXX has delayed providing the proper documentation necessary for the closing. In addition, Kondaur rep. has not responded to my attorney 's requests in a timely manner - My original mortgage/loan servicer was XXXX since XX/XX/XXXX.  Unfortunately, at the time of the sale of my co-op, XXXX sold my mortgage/loan. 

I am relocating to XXXX, Ohio. I would like to get there while my XXXX-year-old Mom is still on this earth.... 
This untimely delay has caused me additional unexpected financial problems, and much mental distress. 
Please help!
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/year>, I sent a letter to National Credit System requesting debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. To date, I have not received any response to my written request. 

On XX/XX/year>, I followed up via their online portal, submitting a message to request validation of the debt and to reiterate my concerns. I also made a phone call to their customer service line on the same day to discuss the matter. However, I did not receive any response to my online portal message, and during the phone call, the representative became aggressive and verbally abusive when I attempted to explain the situation.

National Credit System has failed to provide adequate validation of the debt or respond to my written and digital inquiries, despite my repeated efforts to resolve this matter. The lack of response and unprofessional behavior violates my rights under the FDCPA, and I believe their actions have caused undue stress and hardship.
Product: Money transfer, virtual currency, or money service

My information has been breached, everyone knows it ... everyone is taking full advantage of it and even trying to get a loan, claim, Grant in my name. It's real hard due to the fact that my own family+friends betrayed me. I haven't made one claim get but XXXX XXXX and citi bank both want to act like it's not going on.. they never let me see the computers when I physically talk to a banker.. They just insist on lieing in my face as they delete all the transactions in front of me.. It's not right nobody can access my accounts except me, There is no joint or nobody who's my financial partner wether they have the same last name as me or not.. always deception and XXXX discrimination by citi bank and XXXX XXXX.. I've been with wells for 10years for them to take advantage is straight wrong.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. XXXX XXXX XXXX XXXX XXXXSallie Mae XXXX XXXX XXXX
Product: Debt collection

I reached a settlement with the collection agency on XX/XX/2016 ; they mailed me a letter verifying the amount to pay in order to discharge the debt. I paid the amount due on XX/XX/XXXX. I have continued to be harassed by the collection agency stating they never reached a settlement with me. I told them to listen to the phone conversation that took place and to look at the letter they sent me on XX/XX/2016. They still insist the conversation did n't take place and that there is no paperwork on file notating a settlement. I receive a call from them everyday!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My debit card was " duplicated '' and used to place fraudulent charges on my bank account in both mine and another US state ( I have the original card in my possession ). In attempting to place a fraud alert on my accounts with the three credit bureaus, the following problems occurred : XXXX appears to use a third party to take sensitive, identifying information and report the information to them. One must input or say your social security number, name, date of birth and other sensitive, identifying information over the phone or online to an automated system. Experian and XXXX also require the same information, but the information appears to be handled by them. XXXX   announced in XX/XX/2017 that its accounts were hacked. There does not appear to be ANY agency who has a live person available to help a consumer decipher the safety of its accounts. Secondly, why do these companies require a consumer to use their social security number as identification when it clearly states on MY social security card that this number is NOT to be used as identification? Who really protects the consumer with this wide-spread problem? And how do we know our information is secure when reporting online or by automated phone services?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter. it has been 5 months with no response and these inaccurate accounts are still showing on my credit report!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent the amount of {$850.00} to an deactivated account I try to fix the issue trough my bank but the bank already sent the the payment to the venmo app, I email, and call the number and email that the app company shows but they said that they cant do nothing about it.
Product: Debt collection

XX/XX/XXXX I recovered a debit in the amount for XXXX .i ask that this be removed from all XXXX credit bureaus.i never heard from this company I dont know who this come is.
Product: Credit card or prepaid card

XXXX XXXX Over 15,000.00 worth of fraudulent charges were placed on my account by a merchant that used a company called XXXX  and XXXX to Spoof fraulent charges placed upon my bills that appeared to be legitamate after hiring a private investigator we found out this was done by XXXX XXXX and an internet identity crime ring located in XXXX XXXX Nevada. They hit all my credit cards and all of my credit cards investigated the frauds and removed the Fraudulent Unauthorized Charges. 
However one creditor despite sending them over XXXX pages of supporting documentation has dragged its feet for 4 months and as of XX/XX/2018 now refuses to remove the fraudulent charges despite having a zero liability policy for fraud. They initially showed a balance of XXXX which is because it took 3 months from the time the fraud began for me to discover it and I paid for charges that were for products or stores that didnt even exist. 
The creditor is Synchrony Bank which issued me XXXX XXXX Mastercard, I have refused to pay for these when I discovered I already paid for a significant amount of the Fraud and the creditor is showing 30 and 60 day derogatory entries in its data it furnishes the Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name 1 -MARINER FINANCE 2XXXX XXXX 3 - XXXX XXXX  In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I filed a previous compliant about this ( XXXX ). XXXX failed to address this even after I filed the compliant. The issue is that someone opened an account at XXXX with my email address. I notified the company that I never opened an account and it must be fraudulent. They never did anything about it. Today ( XXXX XXXX, 2022 ), I received an email saying my account has been restricted ( five months after I notified the company of this ). This is outrageous that the account wasn't closed already or dealt with appropriately. XXXX is very difficult to contact or to deal with. They have brushed off my concerns repeatedly. I question the quality of their security. I hope the CFPB can look very closely at this.
Product: Credit reporting or other personal consumer reports

This is my personal statement that the inquires hat i have listed are fraudulent and must be deleted within four business days or your receipt of this report pursuant to 15 USC 1681c-2 on clear grounds of identity theft. Also pursuant to 15 USC 1681e ( b ) all of my personal information must be 100 % accurate with in my credit file. please update my personal information to reflect accurate within my credit file. 

see attached identity theft report.
Product: Credit reporting or other personal consumer reports

This serves as my follow-up submission complaint concerning my prior complaint dated XX/XX/XXXX. I am eagerly awaiting an update and the removal of specified items from my credit reports. I anticipate that the items listed in this follow-up complaint will be expunged from my credit reports within the next 15 days. Additionally, I have re-attached my FTC report with reference # XXXX for your reference. The following items are those I expect to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

**I HAVE NOT SUPPLIED PROOF UNDER THE DOCTORINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS** The Fair Credit Reporting Act, as defined in 15 USC 1681 section 602 a, emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. In line with this, XXXX, XXXX and Experian are consumer reporting agencies, and as a consumer, I hold the right to safeguard my private information, which is reinforced by 15 USC 6801. This act asserts that financial institutions, including " Furnishers of information to credit agencies, '' must continuously uphold customer privacy and protect the confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can furnish a consumer report only when instructed in writing by the consumer concerned. As such, I have not given my consent, verbal, non-verbal, written, or otherwise, to XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX, or any other furnisher to disclose my information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the option of nondisclosure. In my case, both XXXX XXXX XXXX and XXXX XXXX failed to inform me of this right, violating the law. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information in a consumer report, such as records of crimes that date back more than seven years. The reporting of this account as an adverse item without my permission is, therefore, against the law.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that providing inaccurate information to a consumer reporting agency is prohibited. XXXX, XXXX, and Experian have failed to maintain reasonable procedures to avoid such violations, as required by 15 U.S. Code 1681e.

Lastly, as stated in 12 CFR 1016.7, I retain the right to opt out of any reporting services at any time. Consequently, I am choosing to exercise my right to opt out of your reporting services.

In conclusion, it is crucial that all parties involved in consumer reporting, including XXXX, XXXX, Experian, XXXX XXXX XXXX, and XXXX XXXX adhere to the laws and regulations outlined in the Fair Credit Reporting Act to ensure the fair treatment and protection of consumers ' personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, EXPERIAN, and XXXX XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I have had the issue with Navy Federal Credit Union before. I had previous with NFCU that were old and should've been removed from my account but they are showing the information missing/no data for these months to keep the item on your credit report longer than it should be. This account first went delinquent on XX/XX/XXXX, they continuously move the credit date to keep this item on your credit report longer than it should be. This is the 3rd account that NFCU has did this and it should be an investigation into this. They know that you can only view 7 years of your credit report and they use that to their advantage. When I'm viewing the history I only see XXXX. The year XXXX is not viewable and there's dashes through most of XXXX. Also, XXXX is when it was charged-off, which it had to go delinquent prior to XXXX before it was charged-off. It take months of delinquent reporting before it is charged off. I need them to remove this from all of the credit reporting agencies and I want this looked into for a class action lawsuit. I am XXXX XXXX XXXXXXXX and have been disputing this for months and they knew the entire time that this wrong. They did this before with 2 other accounts I have with them and I don't think that this is a practice where I was singled out. This is what they are doing and it should be illegal. I will also escalate this with my Attorney General 's office as well.
Product: Debt collection

XXXX XXXX is reporting on my consumer report at XXXX. As a debt buyer/third party debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report because I have no contract with them whatsoever. I never gave permission for them to share my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported this account to Trans Union, XXXX and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards XXXX XXXX, they claim they are with XXXX Bank. I did have an account with XXXX Bank under XXXX which is a currently closed company that filed bankruptcy. XXXX Bank is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. XXXX XXXX is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. XXXX XXXX has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, WI XXXX RE : Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Court Location : XXXX XXXX XXXX Amount Claimed : {$2800.00} To Whom It May Concern : I am writing to formally dispute the validity of the debt listed above. This debt is not mine, and I was never provided with any documentation or proof that this alleged debt belongs to me. 

Furthermore, I was not aware of the judgment until recently and was never given the opportunity to appear in court to present a defense. I am currently unemployed and receiving unemployment benefits, and I have no ability to pay a debt that is not mine. 

Please cease all collection efforts immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the debt, including : The name of the original creditor A complete breakdown of the amount claimed Documentation showing that this account belongs to me A copy of the original signed agreement, if one exists If you are unable to provide this documentation, I request that you close this matter and notify the court.

This letter is not an admission of liability, and I reserve all rights under state and federal law. I am also filing a Motion to Open Judgment with the XXXX XXXX XXXX to formally challenge the entry of judgment.
Product: Mortgage

Paid OCWEN mortgage payments based on last statement received ( and on website ) XX/XX/XXXX stating the XX/XX/XXXX payment due. Payments commenced on XX/XX/XXXX, with a total of XXXX payments made. Now we are getting generic statements saying we owe differing amounts every month. Yet the website states we owe for the XX/XX/XXXX payment and are in the arears for {$9900.00}. Monthly payment is {$870.00}. Even if I am behind, since XX/XX/XXXX which I do n't believe I am the total past due is {$3500.00}. This is a far cry from {$9900.00} they say I 'm in arrears. Also sent a RESPA request to OCWEN in XX/XX/XXXX, certified letter, with a signed receipt and still have not heard from OCWEN. 
Looking at their accounting of our payments, it shows reversed payments, the suspense payments being made. When calls are placed to customer service dept, you never get the same answer twice from OCWEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U S C 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

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.
Product: Mortgage

On or about  XXXX   XXXX  ,2017 we ha d water damage due to a storm in our area, we submitted a claim to our insurance company and the  XXXX  came and looked at the damage and after a few days we received a check in the amount of {$3700.00} dated  XXXX   XXXX  ,2017 an d it was payable to my husband and the bank, which means it needs their endorsement. I called the customer service number to get the address and I spoke to  XXXX , she gave me the address and I mailed it. Two weeks later I got a phone call from the bank asking me for the copy of the  adjuster 's  report, when I questioned why they said it is policy and procedure,  XXXX  did not know this policy and procedure and as a result I still have my water damage. I mailed the copy of the report on  XXXX   XXXX ,  2017 till t his day I do not know if they received it because no one knows anything!!!! My water damage is getting worse but I ca n't fix it because I need my money! all the bank needs to do is endorse the check and mail it back to me I made several attempts to reach out to them and no one knows anything!!!!!! I want to solve this problem in a timely manner please help me.
Product: Mortgage

Hello, Multiple attempts have been made to resolve an issue regarding the escrow on the account and the forced insurance that would be placed resulting in an adjustment ( more money monthly ) in the payment. Since XX/XX/2020, documents regarding insurance information was faxed by myself, the homeowners association and the insurance provider. A letter was received from Shellpoint stating the issue was resolved as of XX/XX/2020. Fast forward to XX/XX/2020, the insurance placed on the escrow account was added resulting in an additional {$37.00} per month. Calls to Shellpoint seem to go unresolved with the latest XX/XX/2020 with a XXXX XXXX, XX/XX/2020 a XXXX and the last one with a XXXX XXXX XX/XX/2020. 

All customer representatives have apologized and have given various responses to why things have not resolved all conflicting the last representatives information. The last call I was informed things did not escalate however a payment can be made over the phone and Shellpoint could manually place the previous payment back on the account. If more information needed/required, please advise. 

Thanks, XXXX XXXX
Product: Debt collection

Several debt collectors have contacted me about debts that we are not mine. We had issues with identity theft and when I asked them to verify the name, date of birth, and SSN associated with the debt and to provide a copy of the credit agreement with wet signature, my requests were ignored. I received threatening phone calls and letters, the debts have been sold off to different companies and the same tactics get used again. I was sued by one creditor and I fought it in court and had it discharged because they could not provide the proper information. XXXX XXXX, XXXX, are the main culprits.
Product: Debt collection

I've received two notices from Financial Recoveries, acting as a debt collector for XXXX XXXX XXXX XXXX, to 1 ) collect a debt in the amount that is not owed ( Collection notice dated XXXX XXXX, XXXX for {$390.00} on acct. ending XXXX and 2 ) collect a debt that was paid in XXXX ( Collection notice dated XXXX XXXX, XXXX for {$45.00} acct. ending XXXX XXXX From my initial conversation disputing the debts, I was told XXXX XXXX has known issues with its debt tracking system and is sending collection files to its agent even though these customers may not owe debts. Ive provided confirmation codes ( XXXX ) for the {$45.00} payment from XX/XX/XXXX. 

I have been unable to get into contact with XXXX XXXX Billing ( number just dials or they connect ot someone who disconnects the line ) OR XXXX XXXX states they will follow up and to date have not done so. Its been over three weeks. XXXX XXXX should verify this information with Financial Recoveries and stop sending collection files when its unsure of its records. XXXX XXXX has also used other agencies to send collections notices on debts that are already paid. This company is harassing customers.