23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Each time I contact my mortgage servicer regarding an issue with my account they refuse to assist. I have been working on a refinance to get away from Mr. Cooper for the past month and scheduled my closing around their escrow payment date that was shown on my on-line account as well as verified by a customer service representative to have Mr. Cooper not make the escrow/tax payment on XX/XX/XXXX as they stated it was scheduled for. I have contacted Mr. Cooper several times through their customer service telephone number and each time I ask to speak with management to file a complaint, after 40 minutes to over and hour each time I am not permitted to speak with management. The tax payment took 8 days for them to process once I was able to get to the right person to accomplish the task. I have called the Mr. Cooper Corporate telephone number listed on line and it advises their corporate hours ( which I am calling during the time they are open for business ) to have the calls immediately transferred to the customer service queue. My mortgage servicing was transferred to Mr. Cooper in XXXX and they have made 3 major errors on the servicing in that short period of time as well as holding payments in suspense for no reason instead of immediately processing them. The first major error was applying my first payment to them to principal and then advising I had not made a payment on the account, the second they applied monies sent through their website specifically as an escrow shortage payment to principal, the latest was not paying my taxes on or before the date they showed on line as the payment due date which as I stated was verified by a customer service representative that the payment was being made on XX/XX/XXXX. I want to speak with someone in management and I am refused access to management. Mr. Cooper 's customer service is terrible, unprofessional and unacceptable!
Product: Debt collection

XXXX XXXX XXXX sent supposed bill to ERC Collections. I supposedly owe XXXX XXXX XXXX {$510.00}. Although I do have a phone, I am on a Family Plan and not the person of paying the bill. I do not have thi8s account and want this false charge removed from my credit score, and for them to stop charging me.
Product: Credit card or prepaid card

I am writing in today regards to my account with Capital one Account # XXXX specifically the lates reported XXXX XXXX XX/XX/2020. Unfortunately due to Covid I was unable to make those payments due to Covid. As soon as I was able to I made the payment.
Product: Credit reporting or other personal consumer reports

I have check my credit report and seen I have XXXX hard inquiries of company I don't recognize nor authorized to run my credit milestone XX/XX/XXXX avant XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yamaha XXXX times in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Dear Sir/Madame : I am presently residing at Virginia. On XXXX XXXX, XXXX by checking my credit reports, I have learned that an collection amount appeared on my credit reports. I am a XXXX of XXXX, there are XXXX of XXXX of XXXX having the same name and the person who is responsible for that account is NOT me. I have no knowledge of the identity of the person who is responsible for the mentioned account and I do not understand as to why that collection account appeared on my credit report. I realized that collection is for XXXX XXXX which is a power company in XXXX XXXX. I have been living in Virginia since XXXX and this account was established in XXXX in XXXX ( it appeared to be an electric bill ). Clearly, I have nothing to do with this electric bill. 
I am greatly upset about that account since it caused my credit rating tarnished. I am requesting for your help in restoring my excellent credit rating and that delinquency reported to the Credit rating companies be removed. 

Many Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXXXX/XX/XXXX XXXX* 2. XXXX XX/XX/XXXX / XXXX 3.XX/XX/XXXXXX/XX/XXXX / XXXX 4. XXXXXX/XX/XXXX XXXX 5.XXXX XX/XX/XXXX XXXX* As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

In XX/XX/2023, I made a purchase of approximately {$2800.00} from a furniture company using my American Express credit card. The furniture piece in question has had 3 different warranty claims assessed by me against the company, most recently I filed one in XX/XX/2023. The piece has recently broken again and the company is unwilling to issue any kind of refund despite the obvious defect. 

I contacted American Express on XXXX XXXX via their support chat to discuss options for a dispute, given the ongoing issues with the furniture merchant. I did not ask to open a dispute, rather to discuss my options and understand their policy on disputes better. I was particularly concerned about the time past since both the original purchase and last warranty claim. I shared these dates as stated above with the AMEX representative and was told I could still file a dispute. I was informed that the date was no problem and AMEX would open and file a dispute with the merchant. At no time did I ask to open a dispute, the agent opened one right away open On XX/XX/XXXX, I received 2 emails in quick succession. One informing me the dispute was opened, and another informing me it was closed immediately after, due to the time period of the purchase and claims. This is in direct contradiction to what I was told by the rep on XXXX XXXX 

On XXXX XXXX, I called AMEX support to ask for more context on the situation. I found the phone agent to be argumentative and aggressive when I asked to simply have more details on the dispute. To summarize, I was told the following by the agent : - The original chat rep never promised to investigate a dispute, only to file one. I asked for clarification on the difference and was not given a definitive answer. The phone rep was also not a party to the chat conversation so I am unsure how we would know the exact phrasing of the chat rep. 
- That the representative did not make a mistake and followed the process for opening disputes. Again, I am unsure how given incorrect guidance on the process is within AMEX support guidelines. 

I requested a call-back from an AMEX supervisor and received one on XX/XX/XXXX. The supervisor re-iterated similar guidance as the agent, and appeared to imply that I was in the wrong for not understanding the dispute process. I asked the agent why I am expected to know more about the process than Amex representatives, and he said he would share my feedback as part of the case rather than answering the question.
Product: Credit reporting or other personal consumer reports

This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Spring Oak Capital. has acquired the debt from XXXX XXXX XXXX XXXX XXXX  as the Original Creditor with out my consent and or knowledge. Also refuses to remove the Closed account from XXXX as the other 2 credit services removed directly.
Product: Debt collection

I am writing to dispute the inclusion of an account on my credit report and request its immediate removal. The account in question is XXXX XXXX, which was opened on XX/XX/XXXX  and currently has a balance of {$0.00}. Despite my previous requests, your bureau has not provided any debt validation or verification steps for this account. I have not received any sufficient evidence supporting the legitimacy of this debt, causing me significant distress. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting

This item should 've been removed from our credit reports. Please see the attached letter.
Product: Debt collection

I notified TD Bank in XXXX of XXXX that a fraudulent account had been opened in my name. They were provided all the appropriate information to validate that fact. 

In XXXX my XXXX  credit score declined based on derogatory information provided by them. I called them again on XX/XX/XXXX, and a member of the " fraud team '' told me that they mailed XXXX  on XX/XX/XXXX that the debt was not mine. 

Now TD Bank has referred it to a debt collection agency, XXXX XXXX.
Product: Debt collection

2 years ago I was mistakenly given a violation by the county toll  roads. I had, and still do have, an account and FastTrack tag with the toll roads, however on the date in question the tag did not register when going through the toll. When I received the violation, I immediately contacted the toll roads via telephone. I gave the representative my account information and assumed the problem was solved. However, for the last two years I have been receiving collections letters from multiple collection agencies regarding this violation. And every time I provide proof of my account and that the violation was a mistake etc etc, but still the collection attempts continue. The latest agency to buy this account is Linebarger, Goggan Blair & Sampson, LLP, who continually ignore my attempts at resolving this matter. I have disputed the violation and provided proof to the company in the manner they request, and they ignore it. And I have sent the company three cease and desist letters, all of which have been ignored. As a result, Linebarger, Goggan Blair & Sampson, LLP have clearly violated the Fair Debt Collections Practices Act ( FDCPA )
Product: Student loan

I went to college in 2020. I qualified for fasfa and was told that I did not have to pay it back. have not gotten any letters, emails, calls or anything to pay anything back and it is affecting my credit. the amount is around {$3500.00}. I have called multiple times and stayed on the line for hours on end. I have never been put through to talk to someone. I have emailed in and have not gotten an email back in over 2   months of trying to get in contact.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to EQUIFAX see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

Name of Account Account Numbe Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  **** Balance Owed : {$9.00} XXXX XXXX  XXXX Balance Owed : {$27000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

The school overcharged for loan servicing and used improper forms of documentation to have students sign in order to get loans without telling me any information they signed the loans with a computer form authorization of loans then waited during my school year to change rules and laws and regulations as it is a private school on classes all of my credits did not transfer used my certificate with another authority to try to state I was a illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL REQUEST that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Date of fraud was XX/XX/XXXX. It is for a loan from Citizens/XXXX XXXXXXXX for some type of security system. Address attached to this is XXXX XXXX XXXXXXXX XXXX XXXXXXXX IN, XXXX and I have never ever been there before nor lived there. The loan amount is {$3300.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$3400.00} Highest Balance {$3500.00} Terms - On Record Until XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Product: Debt collection

For the past few months, I have been receiving unwanted phone calls from " XXXX '' at Gateway One Lending. If I answer the calls, there is a short pause followed by a recording by " XXXX '' stating that she must contact XXXX XXXX immediately. She leaves the following contact number : XXXX ext XXXX. I am not XXXX XXXX ; nor have I ever know a XXXX XXXX. My wife and I have now returned the call twice. The first time I was told by the representative who answered that she could not find my phone number in her system and that I should answer when the phone rings to tell XXXX ( or whoever is calling ) that I am not XXXX XXXX and request that my number be removed from the files. When I answer the calls, there is not a real person on the line, just a recording by " XXXX ''. Today, my wife returned the call only to be told again the representative answering could not access the files to delete my number. My wife then spoke to a " supervisor '' who could do no better. She did offer to leave a message for her supervisor and promised to have the problem rectified in a day or two. Frankly, I do no believe that will happen so I have decided to report this harassment. My next step will be to contact an attorney in an attempt to sue for the unwanted calls. I am on the " do not call '' registry.
Product: Credit reporting or other personal consumer reports

I recently discovered that I am the victim of identity theft. There are inquiries and addresses on my report that do not belong to me. Please remove these hard inquiries and addresses immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>. 

Addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Prepaid card

i bought a XXXX $ american express gift card today, and when i tried to login to check my balance or whatever it wouldnt even let me. Said something about unknown error and try again later so i did i tried again later maybe like 20 minutes and it still didnt work. I tried to purchase online that costed XXXX $ and it didnt work. I retried again after like 40 minutes or so and still didnt work nor did the login work. I then called the number on the back of the card but no one was answering and i wasnt gon na wait all night so i hung up. PLEASE Help. i found this website bc of someone on XXXX and they said US CFPB came throught so im really hoping you guys can helppp.
Product: Credit reporting or other personal consumer reports

OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach that took place on XX/XX/XXXX XXXX XXXX XXXX Amount XXXX Date opendXX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I feel fustrate becouse my account has been close without any reason. 

i had a limitation and was resolve succesfully. 

so, now my money is hold, i provided all document to PayPal about me and now they do no want help me with this problem. 


i wll apreciate if they can restore my accoung back. 

ID reference limitation d. de referencia : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some inaccurate and erroneous items on my credit report in XX/XX/2020. Over 60 days ago I disputed these inaccurate items and to this day no response. I feel like Im being ignored of my issues, and there is nothing I can do. I detailed in the previous letters why they were inaccurate. I was also affected by the XXXX data breach and now Im thinking my information had got into the wrong hands. The items are harming my credit report and demand they be removed immediately.
Product: Credit reporting or other personal consumer reports

I feel that my information was part of the data breach in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister and I have the exact same social security number with the exception of the very last digit. While going through my credit report recently I found several items on my credit which I did not open and I am positive that it was due to my sister using my social for her accounts. There are 7 student loans taken out in 2009 alone. There's no way that they all belong to me. I would like to see about researching which ones belong to me and which ones don't and see about removing the ones that do not belong to me from my credit report. 
My sister was working for XXXX XXXX a little more than a year ago and during that time her student loans were not reflecting negatively on the credit report because the company has a repayment program but a year ago my sister left that company and now all of a sudden I have all of these extra student loans that have hit my credit report and lowered my credit almost 200 points. 
I have been trying for months now to be able to figure out where the student loans are being held how much is being held and when they were open so that I could figure out which ones I needed to dispute but every single loan holder that I have called has no record of my accounts existing at all. 
I am at my Wit 's end and I don't know what to do from here and I would greatly appreciate the assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently obtain my credit report and noticed accounts and inquiries i did not authorize