23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, TN XXXX LOAN INFORMATION : 1. LOAN # : XXXX AMOUNT : {$120000.00} LENDER : XXXX XXXX BANK XXXX. LOAN # : XXXX AMOUNT : {$23000.00} LENDER : XXXX XXXX XXXX XXXX XXXX : Shellpoint Mortgage Serving XXXX Loss Midigation ( Good Luck ) Bought the house in XX/XX/XXXX, made payments until XX/XX/XXXX when the economy crash and I lost my job. I tried to refinance with loan servicer ( XXXX ). After several attempts with XXXX to refinance through different programs and submitting personal information several and several checks of my credit rating,This was over a two year period and each time they check my credit score, due to loss of  paperwork or filing under a different program, it tanked XXXX said that my credit score was  too low to qualify and I needed to find financing somewhere else. Between XX/XX/XXXX and XX/XX/XXXX XXXX called several hundred times to collect, but they would not refinance and they trashed my credit rating. After paying a lawyer {$6000.00} dollars to try to help me out, all he did was take my money and they foreclosed on the property and went to auction XX/XX/XXXX. It sold for {$180000.00}. As advertised it was to settle all liens to XXXX XXXX XXXX. Then I started getting calls from Shellpoint Loan Servicer, that I still owed on loan # 2 {$23000.00}. I contacted XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX XXXX, AK. and said that the sale of the property satisfied the outstanding loans. But, the lean on the second loan was still in place and was showing non-payment on my credit score. Which is preventing me from getting a renovation loan on my property? XXXX XXXX recommended contacting the title company to clear this issue up and the title company said to contact your agency. So here I am. Youre my last door, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX 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, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The Company Amsher Collections is attempting to collected on a account that are not owed to them One is for XXXX which tmobile account and phones are under a different person. Not my account. and the balance was paid off in Full in the XXXX store location. Located on XXXX XXXX XXXX al
Product: Credit card

I have a transaction that I have disputed with XXXX Goldman Sachss and the dispute keeps going into the merchants favor I never paid {$200.00} at a kebab shop
Product: Mortgage

I have made at least three requests for modification of my mortgage with Caliber Home Loans, all of which have been denied. They have not provided sufficient reason for the denial and three appeal letters have always resulted in a denial. I am concerned about the practices of Caliber Home Loans and their possible discrimination against certain type homeowners. They appear to want to appeal to all homeowners and say that offer help for distressed mortgages etc, but they have made no effort to assist us as evidenced by all the denial of modification requests. They only have been servicing our mortgage since XX/XX/XXXX and since this time have been not been helpful in ensuring we can remain in our home.
Product: Credit reporting or other personal consumer reports

Just moved to XXXX XXXX Before then I have other addresses that do not register to me ( I have been trying to dispute the addresses to be Removed as well but he ask me for personal information amd i just answer it but most if the addresses arent mine ) they are just a few addresses that are Facts .... 
I have not done any applications for XXXX XXXX XXXXXXXX XXXX  XXXX and many more And there XXXX several more on my name that I have not applied for or had any interest in ***XXXX XXXX  is the only one that should be on my my name since XXXX I need everything deleted and removed immediately
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to leg posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, or transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX XXXX to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identitytheft are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX I {$290.00} Inquiries XXXX ( Finance ) XX/XX/year> XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX )
Product: Mortgage

XX/XX/XXXX Once again, I am trying to work with SN Servicing Corporation. This is hard because SN Mortgage Corporation is only interested in foreclosure on properties. The XXXX  reviews are so bad SN has stopped trying to work with customers through this agency. Now XXXX  says : Alerts. This companys legal department has informed the XXXX  that they will not respond to complaints through website. All complaints regarding loans will need to be sent to SN Serving Corporation. Why not. What are they hiding? 
XX/XX/XXXX. Mailed Certified {$700.00} postal money order and first request for escrow account adjustment and copy of forced insurance. Did not receive a statement for XX/XX/XXXX. Was not aware it was due. I thought as long as I had not heard anything from counselor, both still working on funds from covid hardship relief program. 
XXXX, XXXX. I was unable to make a payment. Still did not get escrow account adjustment or copy of forced insurance. 
XX/XX/XXXX. Mailed Certified {$800.00} cashier check and second letter requesting escrow account be adjusted and deducted from principal owed and copy of forced place insurance again never received a copy. 
XX/XX/XXXX ( today ) Mailed Certified ( 2 ) {$800.00} cashier checks. One is the XXXX payment mailed back to me. Your statement received on XX/XX/XXXXXXXX  indicated that the TOTAL AMOUNT DUE IS {$2600.00}. Enclosed is {$1600.00} leaving a balance of {$1000.00} Past due. I will continue to make {$800.00} or more payments until the account is current. No copy of insurance and no escrow adjustments. 

Finally : I have lived in this house for XXXX  years. I am a XXXX. I can pay my mortgage on the XXXX  Wednesday of each month. Because that is when I get my Social Security. My counselor did not think it was going to be a problem. 
I am forwarding this information to other government agencies. I am requesting information and asking for a XXXX XXXX  XXXX along with other options. Something is wrong with the way this company do business. They hold their customers accountable but does the Federal Government hold them accountable? 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I NEVER filed chapter XXXX bankruptcy. XXXX is reporting ( acct # XXXX ) that I did a chapter XXXX bankruptcy which is a complete lie. Today I received the results of an investigation from a dispute I did with transunion numerous times. It is still reporting as paid through chapter XXXX. My biggest question is how can a bank report such a lie. I also did this dispute again probably for the XXXX time and transunion told me it would take approx 30 days for the results of the investiation. There investigation was way too quick and I feel they did n't even investigate it properly. The rep at transunion told me that within 24 hours this will be internally removed as they saw I NEVER filed chapter XXXX. It is still reporting on my credit report. I have spent numerous days and hours on the phone plus writing letters requesting to please remove this wrong information as it is affecting my credit score in a very negative way. I have also contacted the XXXX XXXX XXXX in regards to this as they are breaking the ftc law. I am submitting this complaint again as having this wrong information reporting and transunion. I am also submitting this complaint as I had a tax lien in the amount of {$990.00} that was paid. For some reason it is reporting as XXXX tax liens XXXX for {$890.00} and another XXXX for {$100.00} which adds up to the true amount of {$990.00}. Another credit reporting agency has verified and corrected this finally for me but transunion did not do a proper investigation as it would have been verified and corrected. Having all this negative untrue wrong information is affecting me in obtaining substantial credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  i did not apply for this account
Product: Money transfer, virtual currency, or money service

I respectfully request that consumerfinance investigate CoinList Markets LLC for potential violations of U.S. financial regulations, including : Failure to process customer withdrawals. 
Lack of transparency and adequate customer support. 
Additionally, I request that CoinList be instructed to resolve the situation, ensuring the payment of the funds owed to me and providing clear information about the procedures adopted. 

Additional Information : Approximate Amount Owed : XXXXXXXX XXXX in the CSPR coin since more than 3 months Summary of Responses Received from CoinList : " We understand your concerns and apologize for the extended delays in resolution of your query. 
Your query has been recorded and forwarded to the relevant team for investigation. We hope to get this matter resolved for you as promptly as possible. 
We will keep you posted about progress every few days, your ticket will be kept open until the issue has been resolved. '' I appreciate your attention and investigation into this matter. I am available to provide further information or documents if necessary.
Product: Credit card

Home Depot/ Citibank Account XXXX ending in XXXX On XX/XX/XXXX i made XXXX payment disputes for missing payments that were sent via certified mail that have not been processed yet. 
Case ID : XXXX Missing Payment {$7700.00} Case ID : XXXX Missing Payment {$4200.00} Case ID : XXXX Missing Payment {$10000.00} Case ID : XXXX Missing Payment {$10000.00} Certified Mail Numbers for Payments sent, and Delivered. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX Sent {$7700.00}. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Sent {$4200.00}. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX Sent {$10000.00}. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX Sent {$10000.00}. 

PER FAIR CREDIT REPORTING ACT, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL PER 15 USC 6802.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Legal Department XXXX XXXX XXXX XXXX  GA, XXXX Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report. 

Dear Equifax legal Department I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these accuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the XXXX, include :
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is the third day in a row since I have been denied access to my full credit report. I called today at XXXX XXXX XXXX  and talked to XXXX, All of sudden, I was able to provide my identity another way, then previous times. She asked me questions instead of asking to take a picture of my id, front and back and self. When I asked about getting access to my portal. She was able to change it to my current address but I still have limited access to my credit file, I am not able to look at my full report from Equifax or any third party company. The address that I keep telling them about is on my credit report. At this point Equifax continues to play in my face and think I do not know my rights under the FCRA, they continue to do unethical things, that's affecting my well being, as it concerns my credit profile. This has been three days in a row that I have dealt with Equifax. and they still have not explained, why they decided to denied me access to my credit file after I spoked to them. I'm still not able to dispute my report properly due to the unfairness that Equifax continue to do.
Product: Debt collection

As of XX/XX/2019 my XXXX credit report shows that there was a collections add to my credit report on XX/XX/2019 by AmerAssist AR Solutions. This inaccurate collections has dropped my XXXX credit score by 78 points. I was not notified of this collections debt until I viewed it on my credit report XX/XX/2019. AmerAssist AR Solutions has inaccurately reported to XXXX credit bureau and presumably other credit bureau 's that I owe {$3600.00} in debt as of XX/XX/2019. 
AmerAssist AR Solutions needs to supply the information below so that I can be fully informed : What is the exact type of debt you believe I owe : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was.
Product: Credit card

On XX/XX/year> I went on to the Capital One Credit card portal to make an extra payment to my credit card. I have a minimum payment due automatically withdrawn every month but I make extra payments. I thought I click to pay {$540.00} dollars but made a mistake and paid {$5400.00} dollars. As soon as I get the payment button and noticed the error, 3 seconds later, I hit cancel payment and I got a system error. I hit it again it said network error. The third time I hit cancel payment it said payment in process and I can not cancel the payment. I called Capital One immediately. Waited XXXX minutes on hold to be told there is nothing they can do to stop this payment. When I told XXXX, the rep in XXXX XXXX XXXX he proceeded to laugh. When I asked to speak with his boss he said no at first and then proceeded to tell me he had many bosses. I eventually hung up the phone bc I was waiting on hold. I called back and was told the same thing from a customer service rep in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO GET A CAR WITHOUT ME KNOW THIS ACCOUNT DOES NOT BELONG TO ME AND MY CREDIT HAS BEEN NEGATIVE BECAUSE OF IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 accounts through Equifax asking for validation of a debt. The debt was not validated to me with proof of debt belonging to myself, However, Equifax sent a copy of my report with the collection in question still reporting in the same manner as before i took action on the dispute. They stated that the dispute has been concluded but have not included any proof ( Signed documents, Original contract, Initial agreement, etc ) validating this being my debt. Both collection accounts are still reporting as of XXXX XXXX
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX,, NV XXXX XXXX XX/XX/year> Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing NPI. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties.

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures.

2. I have received no information on this matter only a bill saying I owe 763 .

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my credit score by almost XXXX points.