23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to Newrez last month of XXXX. I am already having issues with payment portal and the reporting payment history being incorrect. I've sent messages to newrez and I've contacted them via phone. My last payment to newrez was on XX/XX/XXXX thru the payment portal on their website. My payment was never processed and I can't even see record of my attempt on their site. I called my bank to see if there was an attempt to take the payment and there wasn't. Additionally, newrez claims the last payment was XXXX. XXXX. Before my mortgage was transferred to them my XXXX payment was made to XXXX  loan  so the correct payment history should have transferred. I am on the verge of having a mental breakdown dealing with them please hold this company accountable there are far to many documented complaints
Product: Money transfer, virtual currency, or money service

My identity was stolen during a public data breach. My information is out there- my credit is frozen with all three bureaus and I have credit monitoring active. 

I received XXXX " cash app '' visa debit cards in the mail in the last 4 months that i did not open. i was not alerted nor did it show on any of my credit reports. I contacted the cash app support lot report the fraud. They would state they do not have a fraud line, or they can not transfer me at this time. They would take my information and state they would send me an email. 

The first time, the email arrived a day later and asked XXXX questions. ( none of which can confirm my identity to report this identity theft/fraud, they simply wanted to close the account. ) XXXX : what is your name XXXX : what is the name on the card XXXX : does anyone else live at this address XXXX : please upload pictures of the card. 

I replied to this email and never got a response. When i inquired for a status about a week later an automated response saying the ticket was closed as over " 3 days has passed without contact ''. 

The second card i received i contacted the cash app support line, and after taking my information i never got an email to submit any information. 

i received XXXX XXXX IRS forms in the mail and when i contacted the company a third time regarding this they following the same song and dance. " we don't have a fraud department, we will escalate and email you. '' email asked the same XXXX questions. XXXX hours later there is no reply or attempt to handle the situation.
Product: Credit reporting or other personal consumer reports

You're breaching on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Student loan

Have been dealing with XXXX XXXX for 15 years!! We have had NUMEROUS problems with getting incorrect information, Improper distribution of loan payments, Unauthorized payments taken out of bank, Harassing and threatening phone calls ( sometimes as many as 7-8 times a day!! ), Changing terms/payment amounts without notice just to name a few. When we call or speak to someone from Navient, we will set up payment agreement, but then the next time we speak to someone, there is no record of any agreements. They have multiple call centers across the US and there is either no centralized records or improper documentation of the call. Most recently my wife set up payment arrangements on XX/XX/2019 however they claim this was only monthly payments and did not work to bring the account current, from what the claim were missed payments!! Often when we do make a payment ( There are 3 loans ), they would only distribute payment to 1 or 2 of the loans, causing the third to become late/delinquent. In XXXX I was deployed with military and due to issues with pay ( Not paid ) we were unable to make the payment. We called to make them aware and set up something  and are just now being told that no payment was made in XXXX!!
Product: Credit card or prepaid card

For my Bank of America Best Balance Rewards card ending in XXXX ( an account I've had for 46 years ), I am given a {$25.00} quarterly cash reward if I pay at least {$1.00} over the minimum payment on time for the previous 3 months, by the due dates for those months. I have successfully met these requirements for the months of XXXX 2019, however, in XX/XX/2019, the cash reward was not posted to my account ( please note, reward are always posted in the first 5 days of the month following the previous 3 month period ). I contacted the bank 4 times : on XX/XX/XXXX, spoke to XXXX, who said she would submit a research ticket and the results would take 10-14 business days ; on XXXX, spoke to XXXX, who submitted another research ticket, REF XXXX, and said the results would take 3-5 days ; on XXXX, spoke to XXXX, who reached out to the " credit card '' department who said that the 10-14 day period was not up yet, and she suggested I call back on XXXX ; on XXXX, spoke to XXXX, who said she doesn't have a record of any resolution yet, and she then submitted a formal complaint to Bank of America on my behalf. As of this writing, I'm not confident that Bank of America will honor the terms of the Better Balance Reward program, and I'd also like to know what is taking so long to do research.
Product: Mortgage

hello, to whom it may concern, this is an urgent matter regarding the my mortgage lender PENNYMAC lying about my loan modification request. 
At the beginning of XXXX PENNY MAC confirmed my mortgage was under review for a loan modification and now i found out they went behind my back and sold the property thru a foreclosure sale date with zero notice to my family. 

please help since PENNYMAC keeps lying about the status of my home, last conversation with PENNYMAC they told me they were going to review my application for a loan modification. 
which i knew they were lying. 

As of today received a call from a the lenders lawyer telling me i need to get out of the house immediately otherwise they will be calling the sheriff since the property was sold with no notice. 
please help me since i have a family and we have no where to go. PENNYMAC lied and tookd advantage having no where to go.
Product: Debt collection

Experian : Has an item from XXXX XXXX listed on my credit report ACCT # XXXX I have asked them several times to send me verification of this item they never do. This is an item dated XXXX/XXXX/XXXX but on another agency the item is dated XXXX/XXXX/XXXX so the dates do not match up that is false information. This item is reported on my credit report once a month an item that was never verified. The item is priced at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit inquires that I never authorized or applied for. 1. JPMCB. I never applied to this company and never requested a credit from them. ( tried to have XXXX  delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX  XXXX XXXXI authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have XXXX  delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. XXXX XXXX XXXX. I never authorized this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, here is the description of events : In order to provide a current credit score to my company required to start work on a contracted project, I attempted to use Experian 's free credit report service. However, I kept encountering an " internal server error '' and even one time was greeted with their inability to verify my identity ; despite listing a full SSN, current address, phone number, birthdate and full name including middle initial.

The website provided a phone number to call per the error, but it only allowed for connection to information on how to do things online, and at no point could I simply ask for a representative. In order to reach a person, I ended up having to select the option that a minor 's information was being reported online. Even trying to select that I was having a fraud issue would not provide a human representative ( after three attempts to use phrases like " representative '', " operator '', " person '', " connect me to a human '', the computerized online system would just tell you goodbye and hang up on you ... making you REPEAT the process of providing PII through their system ( I entered or said all of my PII over and over again before I decided to see what other options might lead me to a real person ). 

Once I had reached a person, I explained to them upfront that I was not there to report an issue about the reporting of information related to a minor but was having technical issues with their site in attempting to get my free credit report. He transferred me to another representative who was willing to run my score over the phone, but she did not have the option to provide the information in an email back to me, only through physical mail. And if I wanted that report by Monday XX/XX/19, as my business requested I provide, it would cost {$20.00} to expedite. 

My Issues : I would like to state that the representatives I spoke with acted appropriately and were genuinely trying to help me. I have no fault with them. However, I do have concerns about the manner in which Experian is providing this free service that every American is legally allowed to receive once per year. 

First, if there is a technical issue, the phone number provided should allow you to speak with someone who can address the matter and then help you out. I had to resort to quasi-subterfuge simply to talk with a real person and not their limited automated response system. 

Second, the person I'm speaking with should be able to run my credit and send that report to me by email. I realize communication via email is not always easy due to security concerns but had I needed this report for a job or a place to live, this could have had a serious impact on my personally. 

Third, when advising of the reason for my escalated time frame, it should not be the burden of the consumer to pay for the company 's substandard website.
Product: Payday loan, title loan, or personal loan

Springleaf Financial Services My name is XXXX XXXX XXXX, with a date of birth XX/XX/XXXX. I am writing to you because I have had an ongoing issue for over 5 years and have been unable to have it resolved. I have reached out to multiple departments, including my local XXXX XXXX and XXXX XXXX. I have had no resolve. In XXXX of XXXX, a company called Springleaf Financial informed me that I had started to apply for loans that I never received. Springleaf also stated that I received several checks and endorsed them and cashed them. I am disputing this because I never received these checks. I was hospitalized during these alleged check issuances and cashing. I have included this proof with this letter. I have also included a copy of these checks. I strongly believe that my identity was illegally used to obtain these funds. I have hired various attorneys such as XXXX XXXX and XXXX XXXX but neither attorney provided me service. I also have paperwork and documents to prove this. I have taken out a loan with Springleaf in the past for {$500.00} and when I went to pay it in full I realized that there was extra money taken out in my name. I have been fighting this case for several years now and now I am seeking your assistance. It is hard for me to hear and I am forgetful so please send any correspondences to my box listed below.
Product: Money transfer, virtual currency, or money service

On XX/XX/29 Cashapp was used to refer a friend promising me a XXXX dollar bonus and a XXXX dollar bonus for her once XXXX dollars or more has been transferred from her new account. The bonus was pending upon signup up but immediately upon finalising the transfer to be eligible for the referral bonus we are owed it said " referral failed '' with no reason listed. Upon reaching out to Cash App to inquire about it I was again just told " certain critera must be met '' and no further information was divulged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not review inaccurate address from account. I have never lived at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. XXXX ignored my letter even though I had it tracked and know they received it in XXXX 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention to be delete in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ATLCAPBKSELF - XXXX ATLCAPBKSELF - XXXX XXXX XXXX XXXX - XXXX OKNSINC - XXXX XXXX CRED - XXXX XXXX - XXXX FEBOPPLNS - XXXX XXXX CRED - XXXX XXXX CRED - XXXX FST PREMIER - XXXX XXXX CRED - XXXX LVNV FUNDING - XXXX POSSIBLEFINA - XXXX CONSUMER ADJ - XXXX XXXX - XXXX FOURSIGHT CA - XX/XX/XXXX STERLING HYU - XX/XX/XXXX CAPITAL XXXX - XX/XX/XXXX VETERANS UNI - XX/XX/XXXX MRVVERVREV - XX/XX/XXXX VETERANS UNI - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

Though multiple disputes over Private Mortgate Insurance ( PMI ), I contacted XXXX to confirm that my payments were being paid on time and accurately. I found out that I should n't have been paying PMI for 7 months and when I asked for a refund they never called me back! I left messages on XXXX, XXXX, XXXX and then on XXXX, XXXX and XXXX their phone number is not connecting to the PMI group and nobody will answer the phone. The company did send me a letter on XXXX XXXX to confirm I did n't need to pay the PMI and they would stop deducting it but it was still deducted on my XXXX statement! How can I stop this from continuing when I ca n't even reach the company? 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/2022 XXXX XXXX XX/XX/2022 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/2022 and on XX/XX/2022, two unauthorized charges were made to my credit card. The card is issued by Citibank. 
Both charges were made with a company named " XXXX XXXX ''. The charges were for {$61.00} and {$76.00}, respectively. 
After notifying the credit card company of the unauthorized charges, they sent me a response that stated the charges were authorized because the " chip '' in the credit card had been used for the transaction. 
I did not make these transactions. They are fraudulent however the credit card company has made a determination they are authorized charges. 
I did not make any purchases with the company " XXXX XXXX '', who according to their website lists them as " provides a unique blockchain-based payment infrastructure allowing for instant funding ''. 
The credit card company needs to provide me proof that the credit card chip was present for the transaction because they are stating they are not responsible for the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a report to Experian to have XXXX XXXX removed from my credit file. Months before then I also requested it be removed as well stating that I do not own the account due to the fact one it was under litigation. The litigation has been resolved the class action lawsuit has been resolved I sent in a dispute saying this information in which Experian stated " they never received " I filed a complaint online with the CFPB in which '' they indicated they wasn't sure who I was ''. I contacted Experian directly in XXXX of 2020 in which I spoke to 2 representatives one indicated that I would have to speak to a specialist as they only have specialist on the ( Disputes ligation accounts ) I spoke with the representative and they indicated they didn't see anything beside one upload from me and to send it again or by mail. I have sent this dispute several times and is now frustrated. Then was told I am selecting the wrong option. I am no longer given an option to say it is litigated. How will I state this class action law suit has been settled?

I have included : Payroll - Check ( verifiying my identity ) DL SSN Letter from the debt collector it was sold to.

Statements and web registration code of the lawsuit all attached to this claim please have this information removed IMMEDIATLEY as this is damaging my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I sent a letter requesting that you investigate the disputed Account from my credit report as well as correct or update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXXXXXX Balance : {$2500.00}
Product: Credit card

I called Amex customer service on XX/XX/XXXX to ask whether i will get the welcome offer for my amex gold card ( XXXX rewards points XXXX $ restaurant credit upon using the XXXX $ in XXXX ) and the representative said yes. 
I called the second representative on XXXX XXXX and he said you should get welcome bonus point if a representative said yes on the call and filed a internal case with Amex. The third representative was rude and he hang up the phone. Now they are declining saying you won't get any welcome bonus rewards point as you are ineligible.
Product: Debt collection

The creditor agreed to accept a lump sum of XXXX $ cash to cancel the debt and not go thru the attorneys and I paid it to his company and now he the creditor is still trying to collect the debt by having his attorney XXXX XXXX send me a petition for garnishment of wages. I have emails and proof of bank payments made up until I paid the XXXX $ cash. 

My request is also for the company to please validate the debt ; by sending all original documents with signatures etc. to me asap
Product: Credit card or prepaid card

On XX/XX/17, I spoke with XXXX id # XXXX to confirm if payment was received. He stated yes, so I asked why does it show my available credit is {$1100.00}, when payment was deducted electronically. He advised it was Subjective I asked why? He said there a 7 day hold to make sure they receive payment. I explained funds was deducted from my account and applied. He claimed it was notated on the statement but on the mobile account.