23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

This is my 2nd complaint again the same company. Original complaint COMPLAINT ID XXXX I already submitted the notarized forms as per their request on XX/XX/XXXX document specifically states it will be processed in 60 day. we are well past that commit and absolutely no one will contact me back. Ive called them several times and I'm just promised a call back and it never happens. Every contact I had with the company seems to no longer be employed there. XXXX XXXX or XXXX XXXX. When I call in no one is able to give me an update or a manager or a new point of contact. 

Back in XX/XX/XXXX I reached out after receiving a mail brochure to help get assistance with my mortgage due to extenuating changes in my financial situation preventing me from being able to pay my mortgage. The company had me sign documents one very specifically stating there will be no further charges past a set {$6200.00}. After several delays on their part causing this to drag one way into 6 months the total payments sent to them in excess of over {$12000.00}. I ended up having to resolve the issue directly with XXXX XXXX  XXXX XXXX because the company was unresponsive to them and submitted paper work with no contact information. Throughout this entire process they ignored my emails and voicemails. If I finally got someone on the phone I asked to speak to management and was flat out denied or they would say someone would call me right back and it never happened. In addition to everything their false promises of reducing my mortgage actually put me in a position where I now have a lean against my home and my mortgage payment has gone UP by {$57.00}. I fully believe I should get back every cent I paid this horrible company as they did not honor a single commitment that was made, if this is not a possibility this company needs to be held accountable to pay back the additional {$6200.00} that was paid to them as their representative told me I have to keep submitting payments until the issue is closed out. The office of the comptroller of the Currency requested I file a complaint with you. My case number with them is available should you require it. Thank you so much ahead of time for anything you can do to help with this matter.
Product: Credit reporting or other personal consumer reports

I am experiencing issues with my mortgage application due to incorrect information reported on my credit report. All of my loans, managed by XXXX XXXX XXXX XXXX, were submitted for deferment under identical conditions and have been deferred. However, all loans are being inaccurately flagged on my credit report as " disputed, '' which is not correct and is causing delays in my mortgage pre-approval process. 

Below is a list of all my loans managed by XXXX XXXX XXXX XXXX sorted by loan number, with confirmation that all loans are deferred : XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred My lender, XXXX XXXX, has informed me that the " disputed '' status issue applies to all loans, despite their deferred status. This incorrect flag is preventing the mortgage pre-approval process from moving forward, as his company requires this issue to be resolved upfront to avoid delays during final approval and closing. 

I have contacted XXXX XXXX XXXX XXXX multiple times, requesting their assistance in ensuring that the accurate deferment status of all loans is reported to the credit bureaus and the " disputed '' flag is removed. Despite these efforts, the issue remains unresolved, and my credit report still inaccurately reflects this status, causing unnecessary complications. 

I am requesting the CFPB 's assistance to ensure that the correct deferment status of all loans is accurately reported and that the erroneous " disputed '' flag is removed from my credit report. This correction is critical for me to proceed with my mortgage application without further delays. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I checked my Equifax credit score on XXXX and found that it had dropped by XXXX points, from XXXX to XXXX. I verified this score drop on the XXXXequifax.com website. Both sites indicated that there had been no reporting of activity from any of my banks since XXXX of XXXX. This was a blatant error, which I verified with XXXX  XXXX XXXX. I filed a dispute with Equifax on XX/XX/XXXX requesting an explanation and phoned them on XX/XX/XXXX. In my initial phone call, their representative indicated that the score that she saw was higher than the XXXX that I was seeing on my account on their site. She kept me holding for approximately 30 minutes while she attempted to find an explanation and finally terminated the call with no warning. I phoned again and the second representative insisted that the reason for the drop was that there was no activity on any of my accounts. I attempted to explain otherwise to him and showed him specifically where the XX/XX/XXXX date was in error. Again, the website did not agree with the data he was seeing and he was unable to tell me why. I am attaching screen shots of my information as shown to me on the Equifax website. All account data is inaccurate. For example, I use the XXXX  XXXX XXXX credit card on a daily basis and have done so for many years. The " Date of Last Activity '' of XX/XX/XXXX is totally inaccurate.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Tried to call and make payment on XX/XX/XXXX, kept getting a recording that call center is closed even though posted hours of operation are Monday through Friday XXXX. to XXXX XXXX  central time. Placed first call at XXXX XXXX. central time. Unable to get through, tried paying online, and got a message that Unable to pay my mortgage online.
Product: Credit reporting or other personal consumer reports

XX/XX/year> APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX : Notice of Violation of the Fair Debt Collection Practices Act Dear APPLE CARD/GS BANK USA I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Hi My renewal credit card from Citibank ending with XXXX was not received in mail box. It was compromised somehow by a thief who got the card. The thief used my card and spent around USD XXXX without my approval of course. I blocked the card and disputed the charges. The bank is not cooperating as expected. I am seeking you kind help. 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6821 - Privacy protection for customer information of financial institutions U.S. Code prev | next ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 1 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 
( b ) Prohibition on solicitation of a person to obtain customer information from financial institution under false pretenses It shall be a violation of this subchapter to request a person to obtain customer information of a financial institution, knowing that the person will obtain, or attempt to obtain, the information from the institution in any manner described in subsection ( a ). 


This law protects me as the holder of the consumer which is the person ( debt instrument ) and employees at XXXX XXXX XXXX had no authorization or consent from me to report any transactions to consumer reporting agencies and who have not provided the Gaap principles to prove a debt exist. Also theres no such thing as late payments on a loan which was never provided by the financial institutions. Bank dont loan money and the employee at XXXX XXXX XXXX proved this. I do not consent to have information reported on the deceased person where they are coercing against my will to be surety for debt. Theres no law which proves that late payments exist. How can a dead person be late on making payments?
Product: Debt collection

So conn home plus be calling non stop after I told them to stop now they contacting one of my family members without my consent and I never gave them the number of my people I dont know how they got it and they be spamming my people phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has incorrect hard inquiries on my XXXX, XXXX, and Transunion credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, XXXX, and Transunion report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Product: Debt collection

Trying to charge me for a debt that isnt mines I was also victim of social security fraud and this is damaging my credit please help me remove this debt out of my credit thank you in advance
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to send via XXXX in XXXX, ND, {$2000.00} to my nephew in XXXX to get him out of a jam. There were two attempts made that day XXXX ( which Ria website shows as cancelled and refund issued ) and XXXX ( which shows as paid out on XX/XX/XXXX ). At the store, both transfers were rejected and according to the XXXX store it was because it was a high fraud location. I only discovered this in XXXX as I was going though my business financials preparing my taxes. I called XXXX XXXX and submitted a dispute ( XXXX ) which they later closed due to being longer than 180 days. I then contacted Ria ( case XXXX ) and although I even submitted copies of the receipts and screen shots of their own website showing the pay out, they insist that both attempts had been cancelled and refunded. Please investigate why this transaction was paid out three weeks later although the agent at XXXX in XXXX stated the XXXX store wouldn't disburse it because they were in high fraud area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in both the XXXX & XXXX XXXX breach of security on XX/XX/XXXX & XX/XX/XXXX.  Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Product: Debt collection

This is debt I am trying to pay off. the attrnies are XXXX, XXXX, XXXX, XXXX. It is a credit card debt from capital one. The problem is the attournies are no longer taking my payments. for XXXX months now. Last payment was XXXX XXXX. they are saying Capital One took it back over. Capital one is saying they do not have it and they will not except any payment from me either. Neither will take a payment and I am will to pay. I had a similar incident when the account was with XXXX, XXXX. After 3 mos. I ended up get sued. They tried to come after me for full payment of over XXXX back then, but did not have it so they agreed to monthly payments. In XXXX the account was switched to this new law firm. I feel I am being scammed to make a full payment again. I XXXX XXXX XXXX XXXX four years ago. Had XXXX XXXX in XXXX, also before this was taking care of my mother with XXXX XXXX. I can really use an advocate with this issue. Thank you for any help you can provide
Product: Credit reporting or other personal consumer reports

Closed-Paid off account still showing active on credit report.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

ACCOUNTS : XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had my identity stolen when Massachusetts unemployment had that huge huge break in a few years ago and I lost thousands from my checking account as well. 

XXXX is a card that I inherited in my divorce and they sent it to collections just when I could pay it end its charger off right now on my reports and I would love to just pay city directly the full amount that I owe them of XXXX, then pay XXXX to a debt collector I have attempted to get in touch with someone there to discuss this and have been completely unsuccessful. I just get put on endless holds. 

I have the full amount in hand in my bank and I am moving out of my million dollar family home and downsizing next month to a condo so Credit is excruciatingly important if I could pay XXXX the full amount can they take it off the report, the months and months they switched to charge-off are killing me, and they just dont seem to want to talk to me.
Product: Debt collection

These people called me stating of a credit card that I never owed.  and stated that they were going to sue me.    My guess is that this is a scam
Product: Checking or savings account

I wrote a check for {$850.00} for my rent on XX/XX/XXXX. I saw this morning, XX/XX/XXXX, that there was an overdraft for the amount of {$260.00} and a fee of {$35.00} as well to cover the overdraft. Now mind you, I found it strange because this money was taken out of what I have known all this time to be my savings account. When I contacted customer service regarding these transactions and the overdraft as well as the fee I had to pay, I was notified that my savings account has changed into another checking account unbeknownst to me. When I opened my bank accounts, I requested both a checking AND savings account. I was never told that if I move my own money between accounts more than 3 times that I would not only be charged {$10.00} but that it would also be changed into a checking account. Also, if the account changed, then why was I still paying the {$12.00} a month for a savings account I no longer had? That question was never answered. I was told that I would have to wait 2-3 business days before I would receive any money back. It is supposed to be the amount of {$880.00} by Monday XX/XX/XXXX. Had I know any of this were to happen I would have never opened an account with Bank Of America.
Product: Mortgage

Loan was held by XXXX and i filed an insurance claim at which point they sent an initial check I started work and did an inspection and they approved to send a second check. 

- I was called by XXXX and told the check was going to be put in the mail and that I would receive it in 5 days. 
- During that time my loan was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper. 
- 10 days later the check never arrived and I received no further information. 
- I called XXXX and they told me that they did not mail the check because they transferred the loan and that I would have to initiate the loss process with Mr Cooper- I called Mr Cooper and gave them the info and they told me they will attempt to get the records but that It will be 3-5business days before they will know what the next steps are. 
- I have contractors that are going to stop work, my insurance is kicking me out of the rental and no way ahead because this money has been locked up by the banks that is needed to make my condo livable
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$15000.00} for XXXX school with XXXX XXXX in XXXX NJ. My loan was given through XXXX XXXX Part of the program was that I would get on an internship after school. I never completed the internship and was unable to work in the field I studied for because the internship they scheduled me to start was a completely different subject than what I was in school for. Once the school closed shortly after I was unable to get in contact with anyone in the school to figure out what I can do to get any record of training that I had. I was never given a certificate of completion and never finished the internship. I would like to have this debt removed from my credit report due to the fact the school closed without any notice and the debt remained with me. I do not feel as though it is fair for me to have to pay a debt for an education that was never given. The promise the school gave when I signed the forms was that I would be placed in a program to get a job and the internship would be complete after the schooling was completed. Neither agreement planned out that way and I would like the debt to be placed as paid in full and closed on all three credit reports. I spoke to all three credit bureaus and had this issue resolved with XXXX  and XXXX. XXXX would not place the account as paid in full and only took away the interest that accrued over time. I spoke to them last year in the beginning of 2017 and was told that the debt is back to original balance. This is not acceptable to me since the other 2 credit unions changed the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX