23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started applying for a loan modification with my mortgage servicer Nationstar Mortgage dba Mr. Cooper at the end of XXXX. This situation went on for a very long time. In spite of numerous phone calls, faxes, letters, emails I could not get a loan modification application. I contacted Consumer Financial Protection Bureau in early XX/XX/XXXX. With their help the process moved along. I went through the trial loan modification and met all requirements. I have been approved and am waiting to submit the final paperwork. My original monthly mortgage payment was {$1100.00}. My new monthly mortgage payment is {$1100.00}. That is a savings of only {$29.00}. This seems outrageous to me. I feel like I have wasted my time and that this was/is a scam.
Product: Checking or savings account

I have waited on hold for three hours trying to initiate a wire transfer to my brokerage account in which the bank had me on on hold for three hours in which I missed my deadline to send important funds to my brokerage which will cost me money.
Product: Mortgage

In XXXX of XXXX, I purchased a foreclosed home from Green Tree Services in the amount of {$47000.00}. My mortgage started from {$420.00} in XXXX and is now {$1100.00} effective XXXX. The home was built in XXXX and is deteriorating. I 've been trying to refinance and obtain some of equity ( approx. XXXX ) to make repairs. Green Tree continuously expressed to me that I did n't qualify for a refinance and they do n't do them based on the type of " Loan '' not " Mortgage ''. They said the type of mortgage I have is a " Credit Sales Account '' at 10 % interest. I have been making out of pocket repairs and now the home requires, a roof, painting, heating/cooling etc. in which I have mentioned to Green Tree Servicing over the years. They just kept telling me I did n't qualify for a refinance to take money out for repair. Finally, I was contacted by XXXX XXXX and they which went through the full process of qualifying me for a refinance, processed all document ( title, taxes, etc ). The final approval was based on the home appraisal that failed due to the required repairs. Green Tree provided false information about me qualifying for a refinance. Now I am stuck with this home, stuck in this loan, being denied modifications, deed in lieu of foreclosure option, etc. Green Tree deferred a few payments and then added approximately {$10000.00} onto the loan. My Green Tree Loan initiated in XXXX XXXX for {$47000.00} and the payoff balance is approximately {$45000.00} in XXXX. Can someone explain this? Where did all of my money go to? I received a notice from Green Tree Servicing, now know as Ditech Morgage that my home has been submitted for " Foreclosure '' They are awaiting a date. I feel like a predator. I paid money into this home almost ten years with the balance increasing every year. Now they want to take my home, sell to someone, possibly a member of their company to pull out the equity, make repair and sell it again. Please assist. I 'm a victim her.
Product: Mortgage

My mortgage is with PNC, and I attempted to log in to my account online, and after 2 password attempts, I was locked out. This is ok if there was someone available Saturdays and Sunday 's to unlock my account, so I can get my XXXX Forms for taxes, which I can not do during the week. 

This is the 3rd instance with PNC password reset failed to provide adequate support for gaining access to MY online account.
Product: Credit reporting or other personal consumer reports

Dispute of Charged-Off Account XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charged-off account reported by XXXX XXXX XXXX on my credit report. The account in question is listed under account number XXXX. 

Due to a recent government database hack, my personal information was compromised, and I believe this account may have been affected as a result. The account is listed as charged off with a past due balance of {$4200.00}. However, I am concerned that this information may be inaccurate.

I respectfully request that you investigate this account under 15 U.S.C. 1681i ( a ) and verify its accuracy. If the account can not be verified, I ask that it be removed from my credit report. 

Please find attached the relevant documentation, including proof of the data breach, my credit report showing the disputed account, and previous correspondence with XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. I expect a response within the 30-day period as mandated by the Fair Credit Reporting Act. 

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

I recently had some fraudulent hard inquiries being reported on my Equifax credit profile that I disputed with Equifax directly. Based on the information Equifax sent to me three hard inquiries that were stated to be deleted are still reporting on my Equifax report even though they have sent me a letter stating that they were deleted. The following three hard inquiries include XXXX, XXXX XXXX XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX, XXXX and Experian a letter disputing the validity of the Bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item, so they removed it from their database. 

I then went back to Experian, XXXX and XXXX on XX/XX/XXXX and showed them the removed Bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this Bankruptcy then it needs to be removed according to the FCRA. They have once again refused to remove Bankruptcy which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

Experian have deleted bankruptcy since XX/XX/XXXX is still reporting accounts on my credit report in a Bankruptcy which is a violation, XXXX XXXX # XXXX and XXXX XXXX # XXXX
Product: Mortgage

My mother and I are currently in the middle of a bankruptcy. We are being contacted by representatives of our mortgage company saying that we are being foreclosed on. We had communicated with our mortgage company several times that we would prefer a deed in-lieu process. Our mortgage company claimed we were assigned to an expert that would help us in this process. The expert has never made contact with us and attempts from us to contact the expert resulted in automated emails or voice messages claiming the expert was on vacation or unavailable. I called our mortgage company by phone and I was told by a representative that the expert could not help us and we would have to apply for a modification before going through a deed in-lieu. We applied XXXX times for a modification process and our mortgage company continually denied our modification claiming that we did not provide paperwork despite proof presented that all paperwork was turned in with certified delivery. The mortgage company has made no effort to accept a deed in-lieu and is continuing with foreclosure proceedings. Our bankruptcy lawyer has also made no attempt to contact us or help us regarding this issue.
Product: Debt collection

XXXX XXXX is is the 6th collection agency to attempt collection of the debt. of {$250.00}. XXXX As with the previous 5, the debt was never verified. Please find attached various credit reporting firms, and collection agencies that have deleted this account from their records. I have never seen this many attempts to collect a debt that was not verified. Please have them delete this from their records. Debt Recovery have sent me two request both for $ {$250.00} with the date of XX/XX/year>, their reference numbers of XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ which has been deleted by XXXX and XXXX . XXXX   and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

when I was XXXX years old I moved to Orlando to attend college I wasnt making enough money to support myself so i was living off of my student loans and was unable to pay them back
Product: Debt collection

My personal information was leaked in several data breach reports. Im here to discuss help with removing outdated legal information from my credit report. Under the laws stated below Im eligible to have Inaccurate medical charges removed by utilizing the FCRA laws, that prohibits that common violation of reporting old or outdated information, using credit report for impermissible purposes, and privacy violations must be reviewed and removed immediately. Thanks in advance for your support and help looking into these violations.
Product: Credit card or prepaid card

seen this brandsource card could buy something from there stores and make payments they send a card all i could see was brandsource thought they were the finance company thats how it sounds bought a mattress from a local store missed a payment didnt know it was citi bank so i get a email from brand source but was actually from citi ok i paid it and ask for a copy of this agreement that i signed with citi they sent me there type up card agreement with no authorization any where from me into a contract with citi XXXX so my complaint is how do i have a contract with XXXX bank for something i never asked them for and they have never granted me anything from XXXX ever and there letter says they consider this matter resolved very shady brand source never mentioned XXXX i thought my account was with them you have to sign in and be approved for brand source as far as i know i signed nothing with XXXX or brandsource if that matters
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached FTC REPORT to remove all unauthorized inquires on my credit report. 

I have called Equifax, XXXX and XXXX for removal several times and they have refused to honor my right to an accurate, fair and equitable consumer report.
Product: Checking or savings account

On XX/XX/2023 I went to the XXXX XXXX  to load {$300.00} on my chime Bank account. On the morning of XX/XX/2023 chime closed my bank account due to suspicious activity and certain loads after going back in speaking with the store the employee put {$380.00} into the system to be loaded onto my card but I only received the XXXX I intended to load on XX/XX/2023 the employee that did the transaction informed his manager that he added an extra money onto the transaction which he thought he did but it really didnt happen but in following, the manager called the company that controls the loads and deposits and informed them that I was given extra money which I was not. I have sent emails to chime showing them that I only received the {$300.00} along with the receipt from the store. They have informed me that they will not be returning my remaining phones due to me not following the deposit agreement. Which is False due to the fact that the employee and merchant entered the wrong numbers into the transaction the manager called the company and informed them that I received extra money which I didnt when I sent chime the proof and a receipt of me loading my card with the {$300.00} at the store, they still deny me, saying, Im not eligible for my refund of my remaining funds this whole situation has occurred because the employee the store and the manager had a huge miscommunication between the between themselves and the company that they called I have provided Chime with the email address and phone number of the general manager so he would be able to explain to them that it was a mistake on the store, and the employee not me, but time has decided not to reach out to them, or even make an effort to actually look into this problem they only decide to keep my money
Product: Credit reporting or other personal consumer reports

This account is a charge off. However I should have received a 1099C to declare as income. 
XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request Removal of Unauthorized Hard Inquiry Under Fair Credit Reporting Act. 
Dear Equifax Credit Reporting Agency, I am writing to formally dispute and request the removal of an Unauthorized hard Inquiry on my credit report. XXXX XXXX XXXX violates my rights under the FCRA and kindly request your prompt attention and resolution to this matter. I have not authorized or initiated any credit application or Inquiry with this company and I have no affiliation or business relationship with them. Under the FCRA, Section 611 ( a ) ( 1 ) ( B ) states that consumer reporting agencies must remove any information that is found to be inaccurate, incomplete, or unverifiable. Please acknowledge receipt of this letter within XXXX days of it's receipt as required by the FCRA. I trust that Equifax Reporting Agency will handle this dispute with the utmost professionalism and in compliance with all applicable laws and regulations. I look forward to a speedy resolution in this matter and the removal of the Unauthorized hard Inquiry from my credit report. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  states that I owe them over {$1200.00} in debt. When disputing this debt it always comes back as verified. When calling the collection agency midland funding to settle this account in full. I am told they can not find an account with my information. This has been an ongoing issue for years. I now need to move because of my household size and my mortgage company will deny my loan because this company in unreachable and refuses to assist me. Today I contacted XXXX  XXXX XXXX  to complain and was told my account is no longer with midland funding but a company called encore. I want this removed from my credit report I have much physical stress from this company at 6 months pregnant I have been unable to do daily activities because of the stress in trying to pay an debt that Im told can not be accessed all the while the account is with an undisclosed company. XXXX  is no where in my credit file.
Product: Student loan

Harassment from Navient- in addition to 3 calls received on landline XX/XX/XXXX Navient has called 12 more times in 4 days as follows : XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( rang 2x, cut off, called again XXXX XXXX ) XX/XX/XXXX XXXX XXXX The phone number they are calling from is XXXX though other unidentified numbers may also be used.
Product: Debt collection

I am writing regarding the continued inaccurate reporting on my credit file, despite my initial dispute and my Consumer Financial Protection Bureau ( CFPB ) complaint regarding these errors. Your previous response was insufficient and noncompliant with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

As noted, the CFPB has sued XXXX and XXXX for failing to conduct reasonable investigations into consumer disputes. I have yet to receive actual verification, as required by 15 U.S.C. 1681i ( a ). Simply stating that a debt is " verified '' without providing proper documentation directly from the original creditor is a clear violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX 2021 I filed a complaint with CFPB on XXXX XXXX XXXX and Equifax. Here is the complaint number : XXXX. In this complaint I asked Equifax to provide me with proof they claim they have that legally validates the debt between me and XXXX XXXX XXXX. Equifax went on record on XX/XX/XXXX and said they had received additional information from the original creditor that validated the debt. ( See bottom of form Equifax 3-3 ) What XXXX XXXX XXXX had provided had not legally validated this debt so Equifax said they had additional information from the original XXXX XXXX XXXX XXXX  that validated this debt. I have requested numerous times from Equifax to see this alleged proof. Equifax sent me a letter with the same information that is on the attached form. This is not the information I requested. They have yet to provide me with this alleged proof from XXXX XXXX they claim to have that legally validates this debt. What is in the attachment does not even meet the CFPB standards of debt validation. I filed a complaint with the SC Attorney Generals office against XXXX Funding for not providing me legal proof of this debt. I attached the File ( Equifax Dispute 3-3, and what XXXX XXXX was claiming validated this debt. ( Resurgent reply 1 ) to the complaint and the SC Attorney Generals office even agreed that neither of those 2 forms meet the legal burden of proof to validate this debt. I want Equifax to provide me what the Evidence they went on record saying they had that legally validated this debt between me and XXXX XXXX XXXX I have asked Equifax numerous times to supply me with this alleged evidence. I have a legal right to see it. I know that the CFPB is not going to make Equifax show me this evidence even though I have a legal right to see it. I am filing this complaint so I have more evidence to substantiate my compliant against Equifax that I filed with the Georgia Attorney Generals office. Equifax has claimed that they have had this evidence since XX/XX/XXXX ( See bottom of form Equifax dispute 3-3 ). They have yet to provide me with it. They went on record and said they had additional information from the Original Creditor XXXX  XXXX XXXX that substantiated XXXX XXXX XXXX claim that this debt is valid. I wan to see this evidence. I have asked Equifax numerous to produce it and they still have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out certified letters to all XXXX credit bureaus ( Experian ) ( XXXX ) ( Transunion ) requesting that they send me information that was validated. All Credit Bureaus failed to validate all information that was requested in 30 days. These accounts continue to reappear without any validation. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

On XX/XX/2020 I noticed a collection account in the name of Resurgent Capital Services LP. I went to their website to find out the total amount and any offers to pay down the amount to settle the debt. The website indicated the amount owed was {$2500.00}. Their website indicating offer for {$1200.00} this debt will be settled. So, on XX/XX/2020 at XXXX XXXX I made a payment to resurgent capital services L. P. For the amount of {$1200.00} in hopes that the debt would be settled. On Monday XX/XX/XXXX at approximately XXXX XXXX I went to their website an indicated that the full amount was still owed and at that offer that was originally promised to me was no longer there. I had made several attempts to contact the company and there was no answer via phone.
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These false entries have severely disrupted my life, causing considerable stress and anxiety. I must emphasize that I never authorized this information to be associated with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Received collections letter from XXXX regarding medical debt i owed, asked company to produce verification of debt, debt verification not produced, continued to receive harassing letters, phone calls etc.
Product: Student loan

I borrowed {$10000.00} in XXXX from what was known as Sallie Mae, which is now Navient. My payback amount is {$23000.00}. I cant get and understanding how a {$10000.00} loan can turn into {$23000.00}. I completed school in XXXX. Ive been paying on the loan for a currently 4-5 years now. However, every month my credit reports tells me that my fee has increased by {$230.00} at the least. This is an on going issue that I really cant get any answers about.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage is in forbearance and I am trying to do a modification to bring my account current, however, XXXX XXXX XXXX  reported to all three major credit bureau that I have been over 120 days delinquent. This has affected my credit tremendously. 
Below is posted on their web site. I disputed the delinquent with them and I was told to dispute it with credit bureau and they will address it. 

BELOW THIS IS POSTED ON MY ACCOUNT ON THE WEB Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) Due to inadequate customer service and unfair practices, which violates the consumer Financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropiate redress for these violations
Product: Vehicle loan or lease

I believe they add more or extra things and they shouldn't add to my loan also I never receive ant benefit also Toyota financial services have been falling in sending my loan closing letter to receive my gap or whatever terms still pending and the dealer ship where I got havent helping me out to get I spoke before with sales XXXX and nothing including the guys who prepare the paper work in the back
Product: Debt collection

AR resource is trying to collect a Debt that I do not owe from XXXX XXXX the Debt was XXXX from the hospital however, every day refused to take it out from my credit I contacted the hospital. They don't have any record of me owing this bill, and I have been trying numerous time to remove it from my credit report, but every attempt failed. 
I need them to show proof that I owe this bill as today 's date