23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently became unemployed. In an effort to keep from missing a payment or defaulting on our mortgage loan I attempted to contact our loan servicer, NationStar LLC, dba Mr. Cooper, and am unable to contact anyone within the company. 
The phone number is just an endless phone tree that never gives you the option to speak with a person. 
The chat system online is also not working, I have screen shots of messages simply not going through. 
I received a letter from a loan specialist, but no direct contact number, only the main number, which again, does not work to get a hold of any one person, which the outgoing message admits. 
Unable to reach anyone at the company, I have now missed one payment and fear missing more. It is my understanding that NationStar was hacked last year, and is facing a class action lawsuit, and is no longer accepting phone calls or chat messages online. There is simply no one answering the phone to help me resolve this matter, and I suspect that this is deliberate.

I need help getting mortgage assistance and getting someone from NationStar LLC to call me back before I default on my loan. 
For your records, the following number is the ONLY number provided and you will see it is not functioning. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am writing you to inform you that you are reporting transactions that does not include my consumer report.

- Exeter Finance In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Thank you so much for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase does not want to take responsibility for fraud on my account after i placed a fraud alert for money hacked and stolen and they did not do anything about it. Chase even sent me a letter stating if my account was ever compromised they would tranfer my funds to another account suspiciously months prior to the theft as if they already knew it would happen and still never did anything at all and left my account like that. I did not recieve anything in the mail from them. They are liars and owe me money. Their employees are theives.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I keep getting calls from XXXX. When I answer they ask me for my social, date of birth, and address. I refuse to give them my personal information, so I was told there would be legal action against. I have never received any letters from this company, before these calls. Its a lot of scamming going for on. I tried calling back, but they still wanted all my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone pretended to be an employer from XXXX. Hired me, then sent me a welcome packet which consisted of me filling out an XXXX, direct deposit slip, etc. I wrote a report for them and never got paid, that was when I realized the whole thing was a scam. It was too late, they had all my personal information. I told them I was on to them that was when they deleted all accounts. 

I have XXXX inquiries that I did not authorize : ( some are duplicates ) XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, These are incorrect names that are on my credit report : XXXX XXXX, XXXX XXXX, Accounts that are fraudulently on my consumer report : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, Incorrect Addresses reported on my consumer report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Hey XXXX XXXX, My name is XXXX and I am writing to formally request an investigation into this account listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and this company from XXXX XXXX, i have never been to XXXX XXXX, I do not recognize this account and I have not authorized. As this account do not belong to me, I am concerned that my personal information has been compromised. I take this matter very seriously and would like to ensure that my credit report accurately reflects my credit history.
Product: Money transfer, virtual currency, or money service

I sent a payment on XX/XX/23 and the app does not include a transaction date. It only has given the following : Today, Yesterday, and Saturday. 

I did the online chat and was told I can find the statement under documents in the app however the statements are issued 6 days after the end of the month. My follow up question was not answered. The app provides no phone or email contact information. 

I would like a transaction date so I can submit a claim to my insurance for services rendered.
Product: Debt collection

XXXX XXXX XXXX LVNV FUNDING LLC Amount : {$1100.00} Opened : {$1100.00} Re : Fraud/ Aggravated Identity theft I am aware that my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you LVNV FUNDING LLC is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C XXXX. LVNV FUNDING LLC is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you LVNV FUNDING LLC is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by LVNV FUNDING LLC for the accounts opened. 
Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you LVNV FUNDING LLC into the Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 
Warm Regards, XXXX XXXX UCC1-308 Without Prejudice All Natural Rights Reserved
Product: Debt collection

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with AFNI INC on Sunday XX/XX/2021. I request that this account is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has contacted all three credit bureaus via letter to remove a charge off status. Both XXXX and Equifax refuse to update my credit report appropriately, despite having the letter from the creditor. They continue to update and leave the CO ( charge off ) status on several months.
Product: Payday loan

i have numerous emails that have come thru my job regarding issuing warrants, threats. also many vulger phone calls in which i am called every nasty word there is and my daughter also regarding XXXX her, my XXXX XXXX, etc. if i did have a laon with them i have no knowledge of this debt not being paid. i need documentation from them but can not get it. if i had a loan which i have n't done a payday loan in years i would remember this. i can provide bank documentation from bank. but i need to know where they come up with this debt they say i owe.. i received an email today that a warrant will be issued tomorrow XX/XX/XXXX at XXXX. Arrest warrant I 'd : - XXXX which will be going to release on Friday XXXX XXXXAttentionThis is the last and final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of Cash net usa Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of cash net Usa has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXXAmount Outstanding = $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
Product: Debt collection

This company is trying to say that I own them XXXX do to an eviction three years ago. they opens the collection up in XXXX  trying to make it seem like I just got evicted me and my attorney saying that and I am not in the system for XXXX XXXX courthouse. I called the apartment complex that I was at three years ago. Everyone had disappeared. Its in a new company name, and the new management said that I am not in the system for an eviction at all. I offered to go to court but the company is asking me not to take it to court just to pay the money, they have been harassing my XXXX mother for her bank account information with out me knowing. The court stated that they should be removed immediately and they have not taken legal procedures and it is past three years and it shouldve been filed for and its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been Disputing inquiries by mail, phone and CFPB to have XXXX unknown inquiries removed. Even mailed and faxed FtC reports without getting remedy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I submitted instruments as tender of payment to the financial institution. Institution refuses to honor let alone comply and adhere to established laws.

I also am asking the institution if they collateralized the auto loan notes?

Did they sold or transfer the auto loan notes at any given time and if so, why wasn't I aware of the disclosure?

Will they swear under oath under penalty of perjury or affidavit of truth that they lend the money to me as the borrower? Also, that federal reserve notes is the only valid medium of exchange to tender payment of this alleged debt? Please provide the response under oath or affidavit of truth. Please provide the law or code you are using for the claims that you making. 

Please answer each one under oath
Product: Credit reporting, credit repair services, or other personal consumer reports

This TD Bank account with Account number XXXX is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Product: Credit reporting or other personal consumer reports

I filed paperwork stating I was on Unemployment and I was approved for unemployment deferment all 3 credit bureaus are showing late payments not the approved deferment. This has critically and negatively tanked my credit score which went from XXXX to XXXX. I have been working to get my score in a credit worthy position. 

XXXX XXXX XXXX XXXX... 
{$16000.00} XX/XX/year> Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... 
{$13000.00} XX/XX/year> Late XXXX Account XXXX XXXX XXXX XXXX XXXX... XXXX {$11000.00} XX/XX/year> Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... XXXX {$8800.00} XX/XX/year> Late XXXX XXXX XXXX XXXX... XXXX {$7400.00} XX/XX/year> Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... XXXX {$4300.00} XX/XX/year> Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... 
{$4200.00} XX/XX/year> - Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... 
{$4200.00} XX/XX/year>- XXXX XXXX XXXX XXXX  XXXX... 
{$4200.00} XX/XX/year> Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... 
{$3300.00} XX/XX/year> Late XXXX  Account XXXX XXXX XXXX XXXX 
{$2800.00} XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 which states I have the 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 instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on credit account under an open end consumer credit plan as late for any purpose Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

To begin with, I was recently incarcerated for 94 days ( XXXX XXXX XXXX XXXX  ). Upon return home, I realized that two direct deposits were missing from my account. I disputed these transactions and presented proof of incarceration in which they still denied refund of my Social Security payments missing. I didn't authorize nor was aware of the money missing. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID VALLEY CREDIT SERVICE IN FULL AND THEY PROMISED TO REMOVE IT FROM ALL CREDIT BUREAUS AND DID NOT! I PAID IT IN FULL XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the account in full in XX/XX/2021 and on XXXX  and XXXX  still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid in full.
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 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 CREDIT BUREAU 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: Debt collection

XXXX tried/is trying to collect money from me for termination of their cable television service. However, I did not have any contract with XXXX, written or verbal, to pay them for termination of their services. They have the burden of proof. I know that they can not produce any written or verbal contract with me to pay any termination fees. Damaging my credit is simply a means of extortion. Neither XXXX nor their agents should be able to get away with this. Please expunge their claim from my credit rating.
Product: Checking or savings account

XX/XX/2023 : -unauthorized ATM withdrawal of {$490.00} ( XXXX euro ) -foreign exchange rate adjustment fee of {$14.00} -non-Chase ATM fee of {$5.00} XX/XX/2023 : -unauthorized ATM withdrawal of {$490.00} ( XXXX euro ) -foreign exchange rate adjustment fee of {$14.00} -non-Chase ATM fee of {$5.00} XX/XX/2023 : -unauthorized card use at " XXXX XXXX supplements XXXX '' for {$3.00} I visited a Chase Bank branch three times to dispute the charges, check up on the disputed charges, then change my PIN once I was told the charges " were authorized by using the PIN associated with the card '' so the claims were denied When I logged into my Chase mobile app, I found that my mailing address, phone number, and email address had been changed. I removed the unwanted device from my account and changed my information back to the correct info.
Product: Credit card or prepaid card

My XXXX XXXX XXXX XXXX  was transitioned to Marcus Goldman Sachs in early 2022. I received communication from Goldman Sachs indicating that I would be able to continue using my credit card until it expired or until my new card arrived. According to the Marcus Goldman Sachs credit card tracker for locating my new card, it was requested on XX/XX/2022. On XX/XX/2022, I received an email from Goldman Sachs asking me to confirm a charge for {$2700.00} at XXXX XXXX XXXX in XXXX, Michigan. I responded by selecting No, I did not recognize the charge ( because I was in North Carolina where I live and have no reason to spend {$2700.00} on phone repairs ). I called customer service immediately and closed the card. I was told that I would receive a new card in the mail and to no longer use the card in my possession. I called Goldman Sachs, numerous times, sitting on eternal hold and unable to speak to customer support. I engaged in chat feature several times, where the chat person tells me that that card has not been shipped yet, and I should see it in XXXX. Yes, it is only the first week of XXXX, but I requested a new card XX/XX/XXXX, and on XX/XX/XXXX, I needed and verbally requested a new card due to an attempted fraudulent charge. It seems excessive to wait two months for a replacement card and not have an explanation why it has not been sent.