23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, I had a mortgage on a rental with Nationstar Mortgage. Payments were made by my agent with money orders. In XXXX he sent two money orders in one envelope. Nationstar cashed one and lost the other. He and I worked diligently and in good faith for months trying to get the lost money order applied. Nationstar told us, for months, not to send another money order. We have dates and times of voluminous email messages from Nationstar and tape recordings of some calls. 
Nationstar was not dealing in good faith. They started applying payments for subsequent months to the 'delinquent ' amount. This resulted in subsequent months being delinquent. However, I was never delinquent in payment. The only funds missing was the money order Nationstar lost. We even sent them copies of the money orders. 
It became so stressful I finally sold the rental. I even sent Nationstar additional funds to cover those that they lost. Technically, they owe me money. However, all I wanted was to close the account, so I told them I would not make any claims if they would just fix the credit. 
They failed to do so. I initiated claims with Credit reporting agencies and they still refuse to correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report to XXXX, XXXX and Equifax. To this day, over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

XXXX XXXX - Booked an itinerary # XXXX with XXXX. The full itinerary was canceled but XXXX failed to refund the full amount and only refunded {$260.00} for 2 excursions but failed to refund the hotel portion of {$1300.00}. 

I disputed the XXXX amount with Citi and the investigator required that I provide proof that I actually canceled the itinerary. I sent Citi a copy of an email from XXXX with the heading " Requested Email : Hotel Cancel - Itin : XXXX - Case ID : [ XXXX : XXXX ] '' the body of the email contained the following message ; " Dear XXXX, We are still in the process of contacting XXXX XXXX for your cancellation request, please expect an email update from us within the next 24 hours. Thank you for choosing XXXX. XXXX XXXX Customer Service Team. 

The message is straightforward and obvious. XXXX is in the process of contacting the hotel to cancel my reservation. However, Citi 's investigator sees it different. and in the letter it states " We did not receive a valid cancellation proof in your recent response. '' The email is from XXXX, the itinerary is the same, the message is clear that XXXX was supposed to cancel the hotel reservation in the amount of {$1300.00}. The Citi investigator 's determination is illogical and in contravention to the evidence presented. 

More importantly, XXXX never delivered the goods purchased for {$1300.00} and now Citi is requiring payment for something I never received, which is a violation of the Fair Credit Billing Act 15 USC 1666 ( a ) ( B ) ( ii ).
Product: Credit reporting

On my Experian credit report ( pulled XXXX/XXXX/2016 ), under the " Name ( s ) associated with your credit '' section, there appears a name that IS NOT mine. The name is " XXXX XXXX XXXX. '' This name does not belong to me and I DO NOT want it appearing on my credit report.
Product: Credit reporting or other personal consumer reports

It has come to my attention that items are not being removed despite being submitted with an FTC fraud report # XXXX. As a victim of identity theft, this is another request for the removal of remaining accounts from my credit file resulting from alleged identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items not later than 4 business days after XX/XX/2023. I have previously addressed this matter in my prior complaint and am reiterating it here with a new FTC report # XXXX. Furthermore, the information provided on these accounts is UNKNOWN to me and has been REMOVED from other bureaus, casting doubts on their accuracy. The remaining accounts for removal are listed per bureau : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the second time, I have had to send the paperwork to XXXX to have me added to the loan. I was provided both times the paperwork from our family real estate attorney. I have to do work and spend time trying to get this done via phone call, via email to only never get a call in regards to this from supervisor or whomever is at the end of the loanservicing email. Now - after waiting 30 days, having to call multiple times to find out you're saying my LAWYER gave me the wrong papers, or just maybe you have them wrong. I don't. I want this loan to reflect my name and payment history. I want any and all loans reported correctly to all XXXX credit bureaus. Also, as there has been money left over from all closings we've had, I am curious as to where my payments of 1/2 are. As I know legally they're issued to both owners- with an AND so therefore if my ex did anything improper, illegal- and you let him and executed this. Therefore- you both dud something illegal. I want my 1/2 of all monies to be sent via overnight delivery ASAP. I will be calling local authorities in regards to this complaint being sent today. I also requested how to have the deed corrected only to not be able to speak to anyone at all that knew how to do this - except of course for the only email they have, the good ol general loanservicing one that no one ever replies to. I have also sent my legal name change from XXXX to XXXX that was to be corrected on the loan and to be given my own pin as my ex wont give it to me. I have been waiting for weeks to get my " complaint call for a supervisor '' within 24-48hours to ever occur. 
In summary- I want my name, XXXX XXXX XXXX XXXX the loan papers where I am listed first to be on the loan. Next, all loans to be reported to all 3 credit bureaus.I want 1/2 the monies owed me from all the closings that I never received my 1/2 of- which is to be done and is confirmed sent to both of us. I want legal ramifications on all of these issues both with my ex as well as XXXX. And finally, to get me into physical contact with someone from legal about correcting the title/deed. Otherwise, you can be informed at the next closing as a surprise- but I am trying to go about it the right way and advise you and have us do the paperwork together with my attorney at XXXX XXXX XXXX. 

I did try and attach the loan paperwork but the file was too large but I can send anytime requested.
Product: Money transfer, virtual currency, or money service

I received a call on my phone, with the caller ID as Coinbase. The message that was left said that my account was exposed to suspicious hacking activities. 

So with XXXX in USD of being in my crypto wallet. I emailed coin base now coin base customer services does not have any live people to talk to, its all via email This was the first red flag this I came across, but being nervous about the safety of my funds. I followed the instructions provided on their website. These instructions were to temporary lock the account. 

So, after that I was instructed by a generic email reply, not personal. Evidently, a auto reply that everyone gets from coin base to reset their password and set up a two-step verification. So I did as such, at that time I received another auto reply type of email saying that your account is now being handled by a specialist, allow 4 to 5 business days. 

This was on XX/XX/XXXX and the account still hasnt been unlocked, nor has anyone from coinbase has come back to contact me. I have sent numerous emails, but continue to get the same automated generated reply and no help in unlocking my account, granting me access to my funds.
Product: Debt collection

I received a letter from Klarna that was dated XX/XX/2023 stating that I had until XX/XX/2023 to pay a debt owed or I would be sent to collections. I did receive the letter until XX/XX/2023. My account had already been sent to collections before I was aware of the potential for that and/or able to resolve it prior to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, TEXAS XXXX Date : XX/XX/XXXX Dear ( EQUIFAX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, Texas XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My information was exposed in a data breach and to the dark web per my credit report. The only accounts I have is car note, and two credit cards. It has other people name connect to my social security number. With different addresses and phone numbers that are not mine.
Product: Credit card

Barclays Bank Delaware Office of The President XXXX XXXX XXXX XXXX, DE XXXX Subject : Notice of Securities Fraud and Violation of Federal Laws To Whom It May Concern : I hope this letter finds you well. I am writing to address a matter of utmost concern regarding my Barclays Mastercard account which was established in XXXX I recently discovered that the security I issued Barclays Bank Delaware in the form of a credit application for the Barclays Mastercard is, according to your 424b5 prospectus, 10-K, 10-Q, and 8-K reports filed with the Securities and Exchange Commission, pooled and pledged as collateral to third-party investors as a primary means for Barclays Bank Delaware to raise capital. This revelation raises serious ethical and legal concerns, as it implies that Barclays Bank Delaware is unjustly enriching itself by using the securities of its cardholders as collateral without their explicit consent. I believe this constitutes securities fraud, as it involves withholding me from my securities without proper disclosure, authorization and compensation. Furthermore, I would like to bring to your attention that such actions may be in violation of federal laws, including but not limited to the Equal Credit and Opportunity Act, Consumer Credit Protection Act, and Sarbanes-Oxley Act. Denying me access to my rightful securities is a breach of my right to credit, and it reflects a failure to adhere to the principles of fair and transparent financial practices. In light of the aforementioned, I am formally requesting equitable and just compensation, along with interest, for these bad faith acts and willful misconduct. Failure to provide a satisfactory remedy within thirty ( 30 ) days will leave me with no choice but to pursue legal action and file complaints with the relevant authorities. I also demand and have the lawful right to know if Barclays Bank Delaware has or had any XXXX numbers affiliated and/or associated with my name and/or account on record/file with Barclays Bank Delaware, its affiliates or anywhere else. A XXXXXXXX XXXX XXXX XXXX can and will confirm if necessary. Caveat : The absence of explicit objection or response to this matter shall not be construed as indifference or lack of concern. Silence in such instances is expressly recognized as acquiescence, and by choosing not to formally address or contest the matter in question, one tacitly agrees to the information presented. It is imperative for all parties involved to recognize that non-action does not negate the potential consequences of implicit agreement, and due diligence should be exercised to ensure that all pertinent concerns are actively communicated and resolved. I trust that Barclays Bank Delaware values its reputation and commitment to ethical business practices. I hope we can resolve this matter amicably and promptly. I look forward to your prompt attention to this issue and a timely resolution.
Product: Debt collection

I have been contacted on my cell phone from phone XXXX XXXX XXXX XXXX on Monday XXXX the XXXX and on Wednesday XXXX the XXXX, the person who called asked me to tell him my XXXX and my birthday. he wanted to know my home address. I told him excuse me whom I am speaking to and he claimed to be speaking regarding a medical bill to collect that for a physician office visit. That looked so odd to me since I did not receive any medical bills on my address nor phone calls regarding medical bills to be paid. I told him send me itemized bills and will try to arrange payments after that if those are correct. he tried to give me discounts up to XXXX $ on phone to collect money by any means!! .. He called me twice after that and I blocked his number. 
Yesterday I received a mailed letter from ( STALLINGS FINANCIAL GROUP INC. ) asking for {$740.00} to be paid to them in 10 days or else? and the language seems abusive and threatening. 
I contacted the hospital for confirmation of bills and to check for any pending balances. 
the online account of the company is not a real one and they do not have physical address they only hold a P.O. BOX NUMBER. 

thank you Yours XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fulton Bank reported me XXXX days late in XXXX of 2022, when in fact I was not late. I made a cash payment directly at the bank and in the past my payments were posted immediately to my account.
Product: Credit card

This is in regards to Synchrony Bank. I have ( had now ) three cards through this credit provider - MyLowes Rewards, XXXX XXXX and Amazon, which I have had amazon for about 10 years now. 

At the beginning of XX/XX/year>, I received an email stating that my account information had changed on the Lowes Card. Upon logging into the account, I noticed that someone changed my address to a XXXX South Carolina address and had made two payments to pay off the account in the sum of {$4300.00} from TWO separate checking accounts that were saved under my Lowes Account. And I pointed out that I did not make the payments, as I am not going to attempt to pay a card off if I do not have that amount of money, considering my wife and I live paycheck to paycheck taking care oXXXX XXXX XXXX 

The agent ( s ), I spoke with more than one, stated that they were going to start an investigation, all in which over the next week of changing passwords repeatedly because someone kept getting into the account with every password change I made, makes me seem to think that someone from Synchrony was actually getting into my account and making these changes.

Just a couple days ago, Synchrony closed my XXXX XXXXXXXX account and my Amazon credit accounts, due to their reasoning that I made payments on the account of Lowes that were dishonored by my bank, even after calling Syncrhony and reporting the fraudulent payments that were made under my account. 

So all-in-all, they are punishing the customer by closing all my accounts with them, due to fraud from someone getting into my account because of the dishonored payments that I did not make to the account and that I reported as fraud. 

Then on the phone calls, wanted to accuse me, the customer, of doing this. I do not think that Synchrony should have been able to close my other two good standing accounts with them over the fact that I reported fraud to them about the payments and that the full {$4300.00} payments twice were returned because of not having that amount of money in my accounts. I had also setup XXXX XXXX payments on the Lowes card to pay off the balance because that is all I could afford to pay on the card each month. 

I am not going to make a payment to pay off an account without actually having the funds in my account. They are actually hurting a consumer rather than trying to protect them and then punishing the consumer/customer AFTER reporting fraud on their own accounts.
Product: Credit card or prepaid card

On XX/XX/2022 I transfer {$330.00} from my personal checking account to my Coinbase prepaid debt card. Coinbase received the funds from my checking account on XX/XX/2022. 
Coinbase is holding that {$330.00} dollars, Coinbase is not giving me access to it. The {$330.00} was never applied to my Coinbase debt card. I called them XX/XX/2022 several times. The Coinbase reps told me that for security reasons my {$330.00} was placed on hold until XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have access to the funds. I want my money, please.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a debt collection issue. I recently paid off a debt to a collection agency in full, but the collection has not been removed from my credit report. When I contacted the original creditor, they informed me that it was up to the collection agency to remove the item from my credit report. However, when I contacted the collection agency, they informed me that it was up to the original creditor.

This situation is causing extreme frustration and creating a headache for me as I am in the process of trying to make other large purchases and my ability to do so is being hampered by the negative impact on my credit report caused by this unresolved issue.

I understand that the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies must remove debts from a consumer 's credit report once they are paid in full. The fact that this debt has not been removed after being paid in full is a violation of this law and I am seeking support from the CFPB in addressing this matter.

Please investigate this issue and take appropriate action to ensure that this negative item is removed from my credit report as soon as possible.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Today   XXXX   XXXX   XXXX    XXXX  the relationship  manager on m y file at SLS told me that even though we are in an acknowledged short sale review SLS can set a sale date and sell my home at anytime they like. She also said it with an attitude. This gal has always been short, curt, rude and unpleasant to deal with. Her comment about gave me a  XXXX   XXXX . It took a while to get an offer and just prior to the offer being sent over, she made the threat again. I was in a chapter  XXXX  for 5 years and have competed it. The trustee has been paying a little something to the bank but they wo n't tell me how much it was. I noticed that my escrow account has over {$17000.00} dollars in it at SLS and I have asked numerous times for a reconciliation and SLS refuse to give me  one. I h ave asked my escrow gal to ask for a reconciliation in hopes they will give  one to h er.  XXXX  's conduct in the short sale dept. fall 's far below the standards of care. They also refused to allow me {$3000.00} relocation assistance.
Product: Credit reporting

My personal information was leaked or stolen in late 2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XX/XX/XXXX