23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX my loan was with the company XXXX. During that time I was approved for a Forbearance program that would allow me to not make any payments for 180 days ( Document enclosed ). In XXXX of XXXX I started making my payments again ( Document enclosed ). I continued making my regular payments with the understanding from XXXX XXXX that forbearance balance would be added to the end of my loan. Since that time my loan was sold to Gregory Funding. They insisted they picked up my loan in XX/XX/XXXX it was delinquent and due for all subsequent installments even though I was in the forbearance program. For the past 5 months I have been trying to get re-fiance with XXXX XXXX. This process has been held because besides the amount of the loan of {$310000.00}, Gregory Funding is demanding an additional {$11000.00} for the forbearance balance and additional fees. XXXX XXXX specifically stated I would be charged any fees while i was in the forbearance program. Now Gregory Funding sent me a letter stating this " Mystery '' fee is due to when my loan was owned by XXXX in XXXX. My loan has been sold 4 times since than and this " mystery '' has never been mentioned by any of the other companies that owed the loan. I have researched Gregory Funding and there has been numerous complaints to the XXXX XXXX XXXX with customers complaining about this same situation once Gregory Funding got a hold of their loan.
Product: Debt collection

I am a victim of a parked debt bought by a debt collection company. The problem is the company is reporting the debt as open recently, it 's not. This is illegal and that 's the reason for my complaint.
Product: Debt collection

They call my personal cell phone at least 2 times per day and now they have started calling me at work which is unacceptable! I work for a large retail store and it is unacceptable for them to be harassing me while I 'm at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check my credit report and realized some unauthorized inquiries on my report attached is the list of inquires and FTC Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  XXXX, XXXX, TX XXXX XXXX has been wrongfully reporting wrong information on my credit report. I have been disputing this Bankruptcy information for over six months. They buy information from a third party called Lexis Nexis which is very inaccurate. 

Letter to LexisNexis ( Please accept this formal letter as my second request to investigate & remove derogatory account from my consumer report. I have found it has errors. It has come to my attention that you are reporting inaccurate data which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 USC 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ) 15 USC & 1681 et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer files. The FCRA states that its the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate & free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumers reports, as defined in 15 USC $ $ 1681a ( d ), to third parties. 

New Jersey Bankruptcy court does not communicate neither provide information to the 3 credit Bureaus. I have attached a court document to prove my case. 
cc ; New Jersey Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account is incomplete and not mine. I'm ever sure who the creditor is maybe as it's not displayed but impacting my score. Also, if they believe this is my account, please validation of debt. Account # XXXX Here is the Second account listed as XXXX but when I looked up the address it shows up as Fair Collections & Outsourcing for Account # XXXX. please provide validation of debt for this account as I'm familiar with it. 

I sent a certified letter to Fair Collections & Outsourcing requesting Validation of Debt as well.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I currently am in review for a loan modification with my mortgage company " Select Portfolio Servicing ''. I also have a foreclosure sale date scheduled on XXXX/XXXX/15 and need help getting is pushed back. All information has been provided to SPS but they still have not pushed the sale back and I am in jeopardy of losing my home to foreclosure. Please help me in any way possible to ensure the sale doesnt take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information Im requesting to be removed from my credit profile. 
FRAUD ALERT ( information on alert is incorrect and reporting a phone number that doesnt belong to me XXXX. 

Remove Alert. Remove All listed Employers : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Remove listed mailing addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Account Information Date of First Delinquency, Last Payment, and Charge-Off Dear Experian, I am writing to request specific information regarding an account listed on my credit report. I am not requesting deletion of the account but would like clarification on the following details for my records : Date of First Delinquency Date of Last Payment Date of Charge-Off Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : Not Available Please provide this information in writing at your earliest convenience. If any additional information is required to process my request, please let me know. 

Thank you for your time and assistance. I appreciate your prompt attention to this matter. 

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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}
Product: Credit card or prepaid card

Called Macy 's after I had been getting a call that the caller ID said was " XXXX XXXX XXXX. '' The most recent one was this morning ( X/X/17 ). Did not pick up phone because of recent scams. Researched online, and many others surmised this was a scam because their account had a XXXX balance. Since I have also not used my card, I was not concerned, but decided to call Macy 's directly. If nothing else, I could inform them of this scam. This call was just before XXXX. I called the phone number on the back of my card ( XXXX ) It was not working. I therefore called the nearest Macy 's, and they gave me a phone number to call regarding my credit card ( XXXX ). I had not used my Macy 's account for months, and have not received a statement. I was shocked to learn that I had a {$1700.00} balance on my account. When I said these charges were fraudulent, the representative suggested that I purchase insurance for a figure of over {$1000.00}. I then called XXXX, who routed my call to Consumer Protection ( XXXX ). After speaking with the gentleman there, I again called Macy 's. I spoke to someone named XXXX XXXX, and told her that my card had been fraudulently used, and that I would like it to be reported as stolen or cancelled so that no more charges were made. She tried to connect me to a phone number ( XXXX ) to report the charges. After a few attempts, she told me that nobody was available, and that I should attempt to call them myself.
Product: Checking or savings account

In early XXXX I opened a joint account with my wife with XXXX  ( sub of Webster Bank ). After opening the account, I registered for online banking, and immediately connected a few of our other accounts so we could make ACH transfers of money into our XXXX XXXX account. 

The bank did all the verification, and I had an external account connected. The said external account is in my wifes name, who is also on the account of our XXXX account. 

On XX/XX/XXXX, I transferred {$120000.00} from my wifes XXXX XXXX account into my account. XXXX initiated the transfer, pulled it from XXXX and since that date the money is frozen with XXXX. 

They indicate because the accounts dont match they can not release the funds. If that is the case, I asked them to send it back to XXXX XXXX so its in my wifes account. 

This has been going on for a month now and I still dont have access to my money. 

Considering we opened a joint account, and the money comes from one of our accounts Im not sure why this is so hard. With that said, if the bank has a policy both our names have to be on all accounts that send money, then that is fine but then simply reject the transfer and send it back to my wifes bank account. 

This shouldnt be so hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

i have had a Checking and Savings Account with USAA Bank for over 10 years without any negative or overdraft in either of those accounts since opening. My checking account been at a XXXX balance since the the end of XX/XX/2024 with no current activities in four months. this account checking was being used primarily for when the VA pays XXXXXXXX XXXX this is the account they uses for electronic payments and I also had my XXXX XXXX  XXXX XXXX XXXX account linked to this USAA Bank account where i sometimes transfer funds. I checked my USAA account in XX/XX/2024 to see have a VA Electronic Payment had reached my account and found that my Checking Account had been involuntary closed without my knowledge. At this time I called a bank representative to see why my account was closed. He informed me that a letter was sent out after 45 days with no activities that the account would be closed in 30 days if the account have not been used and information was posted on my app that the account would be closed. I told him i haven't used the app but I haven't received a letter from USAA as notice of my account would close on XX/XX/2024. He looked back to verify the time the letter was sent out and found that the only documentation that was noted was on XX/XX/2024 when they closed my account. Not sure how a bank can take such drastic step to close a consumer account without any written notice in short time frame. As i stated i last used my account at the end of XX/XX/2024 so I'm not sure what was the urgent need to close my account without any written notification. I've submitted several complaints concerning unfair treatment while banking with USAA Banking and Insurance. it seems as if they single certain consumers out an harass them to stop banking with USAA. I've also seen where they discriminates with unfair loan practices.
Product: Debt collection

This company keeps calling me hangs up some times breaths then hangs up, I called back to find out who it was I asked who is this they said your mother and were very nasty the call keep on going. They claim to be looking for a woman to whom does not live at this address, I did tell them to stop calling and this person I do n't know and never heard of them. After calling again to ask them to stop calling they cursed me out and said we know who lives their and we are coming for you. I immediately did some research online and only came up with a collection agency called IC systems these people are illegally calling me and harassing me. XXXX
Product: Debt collection

The account in question is listed under the account number XXXX. I am deeply concerned about the validity of this debt, as I have no knowledge or record of any such obligation. 

I have taken the following steps in an attempt to resolve this issue : Requested Verification : On XX/XX/2023, I sent a written request via certified mail, return receipt requested, to your company, requesting verification of the debt as allowed by the Fair Debt Collection Practices Act ( FDCPA ). Despite the required XXXX response window having passed, I have not received any documentation or evidence validating the existence and legitimacy of this debt. 

Investigated My Records : I have meticulously reviewed my financial records and can not find any reference to the alleged debt. This further strengthens my belief that the debt is either erroneous or does not pertain to me. 

Checked for Identity Theft : To ensure my financial security and identity have not been compromised, I have reviewed my credit reports from all major credit bureaus and found no other references to this debt with any other collection agency. 

In light of the above, I formally request that XXXX XXXX XXXX provide me with the following information : Valid and verifiable proof of the debt, including but not limited to any contracts, agreements, invoices, or statements that validate this obligation. 
Detailed documentation showing the original creditor 's name and contact information. 
The complete history of the debt, including dates of first delinquency and the date of the last activity on the account. 
Until such time as XXXX XXXX XXXX can provide me with the requested information and demonstrate the legitimacy of this debt, I kindly request that you cease any and all collection activities and refrain from reporting this disputed debt to the credit reporting agencies. Please be aware that I am aware of my rights under the FDCPA and the Fair Credit Reporting Act, and I am prepared to take any necessary legal action to protect my rights. 

I expect your prompt attention to this matter, as your failure to respond within the legally mandated time frame will be seen as an admission that the debt is not valid. Please send all correspondence related to this matter to the address provided at the top of this letter. 

I look forward to a swift resolution to this issue and to removing the disputed debt from my credit report.
Product: Credit reporting or other personal consumer reports

I notice an error on my credit report from a company called XXXX. I reached out to the company because they had reported that my account was over 60 days late which was not accurate. I immediately filed a dispute with the credit bureaus explaining that the information of my report was inaccurate. I wrote a letter asking for the information be correct and provide proof about the inaccuracies. At first Transunion fixed the error but last week put the inaccurate information back on my report. XXXX as never fixed the error and stated that the information was accurate. I asked for copies of the investigation to see why they said the information was accurate. I have yet to receive anything. It has been two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing the outcome from XXXX about a complaint issue with XXXX XXXX # XXXX****, XXXX*** There are several errors on my report. I am requesting a PROOF OF CLAIM or SIGNATURE. Be advised that their claims are disputed as well as the method of validation for this previously disputed account from which nothing was provided to me in writing. XXXX has already deleted these issues see attachments proof of claim of the disputed debt is requested in accordance with the HIPPA Act laws. I have absolutely no documentation or nothing in writing any type of proof that I can verify any claims against my legal person. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed. XXXX XXXX days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to please produce a CONTRACT!
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Product: Credit card

I applied XX/XX/2016 for American Express Personal Platinum with a bonus of XXXX membership rewards points. XX/XX/XXXX those points were awarded after I spent XXXX in purchases on the card. On XX/XX/XXXX the XXXX awarded points and XXXX points in my previous balance were frozen. I could not use them, spend them, or transfer them. I opened another CFPB complaint and AMEX responded stating my spend was not enough ( over XXXX ) to earn the bonus, which was false. I decided to close the card on XX/XX/XXXX to see if my points would unfreeze. They did, and I was able to buy a gift card. Then on XXXX XXXX I tried to use my points again and they were frozen. On XX/XX/XXXX I logged in to see I was negative XXXX points in my account which means AMEX took back the bonus I had earned. I called Amex on XX/XX/XXXX and the membership rewards person informed me that my spending had been fine, but that the personal platinum product was identical to my XXXX Platinum and therefore I would n't earn the bonus. The problem here is that the XXXX Platinum is not the same product, and the wording in my offer for the XXXX XXXX did not say anything about having only XXXX platinum card in your portfolio. Also, I received no bonus for the XXXX Platinum as it is a banking solution from my investments, and does n't appear to be tied to any other Personal Platinum product. After doing research I was informed that the XXXX are not the same product, and AMEX has stolen the points I earned for my first ever Personal Platinum product.
Product: Debt collection

Sign a debt negotiation agreement with XXXX XXXX XXXX/ and the XXXX  program, debt resolution in XX/XX/XXXXXXXX  and pay a monthly payment for 14 months ending in XX/XX/XXXXXXXX  for the settlement of 4 credit card debts, one of them It was XXXX  XXXX XXXX. 
The negotiator made an agreement with the bank in XX/XX/XXXXXXXX  of 4 payments, the last payment should be on XX/XX/XXXX and they made it on XX/XX/XXXX, late payment invalidated and made the agreement down according to a document issued by the bank and from the which I received a copy via email. 8 months later the negotiator does not respond to me and to date I have a current debt with XXXX  XXXX XXXX that continues to affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX  XXXX. The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for all.
Product: Debt collection

I am filing a complaint and as that the Chase account be cleared and deleted from my credit report due to the fact that Chase filed a XXXX to the IRS for the amount of debt as additional income. 

I filed the XXXX accordingly when filing my tax returns for the years XX/XX/XXXX, XX/XX/XXXX and or XX/XX/XXXX. 

The Chase account is # XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX ALOTTED ME A LOAN IN XXXX, I THOUGHT I PAIA IN FULL THE BALANCE! 

XXXX XXXX SOLD THE DEBT TO MIDWEST RECOVERY SYSTEM IN XX/XX/XXXX AFTER SOL EXPIRED IN ILLINOIS. 

ALSO WENT ON MY CREDIT REPORT W/O VALIDATION AND CALLED MY DAD 11 TIMES OVER 45 DAYS.. 

THE COLLECTOR VIOLATED FCRA, FDCPA AND TCPA ALONG WTH COLLECTING ON A ZOMBIE DEBT.
Product: Credit card or prepaid card

At XXXX on XX/XX/2022, I purchased a Vanilla Visa gift card in the amount of {$300.00} at a XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX. I immediately called the gift cards customer service number to activate the card but was told by an automated message that the retailer puts a XXXX hour hold on gift cards. I waited another couple hours before attempting to activate the card on XXXX website. At this point, I was told the balance of the card was {$0.00} as the entire amount had already been spent at XXXX at XXXX - the exact moment the funds became available for use. I called the Vanilla customer service number and was told I had to wait 72 hours for the purchase to go through as it was still only a pending charge, before I could file a dispute. On XX/XX/XXXX, I called back and was given a case number - # XXXX - and told I would be receiving an email from the company shortly. I was also told that if XXXX XXXX heard back within 10 business days, to email this address - XXXX. This weekend I sent an email to the above address but did not receive a response so I called the customer service line again. At this point I was told the last agent I spoke with had added an additional m to XXXX in my email which is why I never received an email. I was also told this email would contain a dispute letter I would need to fill out then wait another 10 business days before attempting to contact the dispute department. I was told I would receive an email shortly, which I have still not received and I simply can not afford to continue waiting for this company to reload the card or send me a new card. I have researched this issue and have found many stories exactly like mine.