23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was bought out and began with new lender, Mr. Cooper at the beginning of this year ; XX/XX/XXXX. I had lost my job XX/XX/XXXX and explained this to the new lender predicting I would be late on my payment. The loss mitigation department offered or suggested a " Pandemic Forbearance Plan '' which would pause my payment obligations for three months, stating I could opt out at any time. Following the three months, without request or consent they automatically resumed this plan which I was not needing or requested. I made three payments, one more than minimum due during this time. I spoke with someone back in XX/XX/XXXX asking to stop this plan I was ready and had been to resume payments. This was not acted on, they failed to stop plan which froze my ability to make online payments. Every time I spoke with them each person informed me incorrectly with false information. Most recent, I was told I could " promise to pay '' which would allow to make payments and any extra as was able. I asked for management to review calls from prior months to verify this information. This too was disregarded. Having trouble talking to anyone helpful or knowledgeable, and being unable to make a payment after several attempts I am now being threatened with foreclosure and feel I am being victimized by these predatory lenders. Note that documents sent via mail have different names, numbers and contact addresses making this whole process much more difficult. Here is hoping they are held accountable for the wrong doing, misleading and illegal acts of consumer lending.
Product: Mortgage

I am having a financial hardship due to COVID-19. I Requested a FHA COVID-19 Forbearance for my loan payments, but did not get a reply regarding the FHA COVID-19 Forbearance UCC 1-308 All Rights Reserved
Product: Credit card

I applied for the XXXX XXXX XXXX and they denied it due to a bankrupcy from 14 years ago and i called to have them relook at it and i feel i am being getting discriminated against for something that i should not be
Product: Credit reporting or other personal consumer reports

Please removes these fraudulent accounts from my credit report. It's hurting my ability to obtain credit. Please remove.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V GRAVER ( MO ) 281 SW 715, 719,6 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Product: Money transfer, virtual currency, or money service

As follow up to complaint XXXX, I have had my money misappropriated by Capital One. I have repeatedly informed them that I did not want any of my money in my XXXX  sent to XXXX XXXX XXXX  They provide wrong information to XXXX with regard to transferring my accounts, resulting in last minute efforts to get paperwork. XXXX did secure one account, and I provided follow-up paperwork for the second last XXXX 

I sent emails demanding Capital ONE XXXX either close the account and send me a check or send it to XXXX. Despite these repeated requests, they misappropriated {$5300.00}, sending it against my wishes along with my information to a notoriously unreliable company. This should have been a simple matter, but through XXXX XXXX incompetence, misleading statements and outright lies has caused me not only to waste an enormous amount of time but has damaged my health with the severe stress. 

I want legal action and need to help to prosecute them for their malfeasance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital are reporting lates for XX/XX/XXXX20 and XX/XX/XXXX20 on my credit credit as well as my husbands. We ask that they please remove the lates from our file. We ended up contracting XXXX  and got very very sick and had to be in the hospital for well over a month. We really couldn't do anything, we had our family members helping us as much as they could but we got behind for a couple months on a few bills. This was not intentional, we had a very difficult time in the hospital. I ask they make a one time good will adjustment and remove the 2020 late notations from our file.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with SHELLPOINT MORTGAGE has been in forbearance since 2020 and they were supposed to send me a new forebearance letter every 90 days to show the account is sill in forebearance and is not supposed to report the account as late while in this status. Shellpoint has failed repeatedly to provided the forebearance letter and has continued report the account late to the credit bureaus and has ruined my credit rating. There was to be a single point of contact and everyone keeps passing the buck. Shellpoint has acknowledged that they made the mistake of reporting the account late, but they have yet to correct my credit report and has only provided a single letter of forbearance for a 90 day period. Shellpoint continues to push this on a back burner and it has continued to ruin my credit. I am pleading for help in this matter to restore my credit rating and remove all the late marks they put on there. This has been going on way too long and they are dragging their feet. tHEY HAVE YET TO PROVIDE ALL THE OTHER LETTER NEEDED TO PROVE THE ACCOUNTS WERE INDEED IN FOREBEARANCE ON BOTH MORTGAGES AND WERE NOT TO BE REPORTED AS LATE. I HAVE ATTACHED TO ONLY LETTER THEY EVER SENT
Product: Credit card or prepaid card

Someone used my information to open a fraudulent account at Navy Federal Credit Union on XX/XX/2022, which is now delinquent with over {$10000.00} in charges. As a result of this fraud, my credit score has fallen XXXX points. I have disputed the account with the credit bureaus and placed a security freeze at all three bureaus. I also contacted Navy Federal Credit Union, and they erroneously told me that they had recognized the fraud, and a credit line had not been opened despite an attempt.
Product: Credit reporting or other personal consumer reports

I have contacted Experian multiple times about this issue and problems, There is a XXXX  XXXX being reported on my credit report I have provided documents supporting my claim and I have provided the information to Experian, I even contacted the 3rd party source XXXX that Experian uses to obtain their information. XXXX advised me and also sent me a letter advising there is no XXXX  XXXX being reported in there system as well why is Experian still reporting a XXXX  XXXX on my credit report.
Product: Vehicle loan or lease

First, I had an car accident in XX/XX/XXXX, XXXX XXXX XXXX. The car was claimed totaled by my car insurance ( travelers ). I had to sign power of attorney to travelers insurance in which I did. XXXX   XXXX paid their part of the settlement on the XXXX. 

I also had gap insurance XXXX XXXX XXXX. They also paid their part of the settlement. This left a little over XXXX in interested to be paid. I called XXXX credit, the company that hold my car loan, I informed them that all parties have paid their part. I asked, why was my account still showing a balance. I asked about the principal and interest difference. I was told, I still owed the interest even if the balance was paid. I asked about making a smaller payments. I was told in XXXX they were waiting for an extended warranty payment. I could then possibly make smaller payment arrangement afterwards. I called back in XXXX. I was told they just sent out letter in XXXX, requesting for the extended warranty payment. I was told it takes about approximately 6 weeks. My account stills shows no update of a extended warranty payment. 

Meanwhile, the interest is steady going up on the car loan and my credit score has dropped more then 50 points. I am having a hard time resolving this matter and need some help. I assumed interested stopped once principal is paid regardless of how it paid.
Product: Payday loan, title loan, personal loan, or advance loan

I was overcharged for interest and penalties. 


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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

In accordance With the Fair credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A A customer reporting agency can not Furnish a account without my written instruction 15 USC 1666B : A creditor Can not Treat a payment on a credit card account Under an open end Customer credit plan as late for purpose
Product: Debt collection

On XX/XX/20 I canceled cable TV and internet service with XXXX XXXX, a.k.a. XXXX. My account was paid in full and I returned my equipment to XXXX store # XXXX on XX/XX/20. In mid XXXX, I received a bill in the mail from Spectrum for a {$59.00} equipment fee. I called XXXX customer service and advised I returned the equipment via XXXX on XX/XX/20, it shows delivered on XX/XX/20 by tracking number. I provided XXXX the tracking number. On XX/XX/20, I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX, dated XX/XX/20, claiming I owe a {$59.00} equipment fee from XXXX. This is a false claim and I do not owe any debt to XXXX as I returned equipment.
Product: Credit reporting or other personal consumer reports

I am requesting method of validation for all disputed accounts that are in litigation via XXXX being litigated for data breaches involving my personal information being exposed. XXXX has not offered me any sort of resolutions. Please remove the negative XXXX from my XXXX credit report. XXXX really some XXXX that want to destroy XXXX peoples spirit with slave debt. My ancestors did not suffer for us to struggle. They paid XXXX XXXX price with their lives and forced labor. The effects are still evident today. This form of XXXX slavery is appalling. Remove all negative XXXX immediately. You XXXX!
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification and Continued Dispute of Charge-Off To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter.
Product: Checking or savings account

I am on XXXX and there are no limits or amount of money that can be in an account as with the {$2000.00} limit for SSI. From XXXX to XXXX I had in my checking account {$5700.00} with no transactions or withdrawal or even further deposits as I no longer had access to my card or phone with banking information until recently again after doing video verification with Georgia XXXXXXXX XXXXt that made my license and state ID compliant and updated address. I have never had confirmed by SSI in Washington DC any bank garnishments against my account and you will find this by looking at my statements uploaded as well in PDF. Chime tells me that SSI had to of reversed payments although statements don't show any deductions only past deposits.My monthly deposits over the years adds up to the amounts that were in my account until XX/XX/XXXX where it shows the bank did adjustment not by SSA Department of Treasury as when deposits were made. Chime is satisfied by saying that SSA must have taken the funds that they expect me to just walk away from my XXXX money that I have been receiving since XXXX but with XXXX XXXX XXXX  which I had been banking and had car insurance with since XXXX. I am now going with XXXX XXXX XXXX for any future direct deposits and want my money put back in my account for {$5700.00} so when my new XXXX XXXX  card arrives by Tuesday I can transfer my total including what is in my account now of {$1700.00} plus the {$6000.00} to XXXX XXXX  which has been as easy unlike with chime with XXXX so I know I won't run across this again with new bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 not given my written instructions XXXX account the number is XXXX .... 

transunion says the balance is {$830.00} XXXX says it is {$0.00} XXXX says it is {$830.00} date opened transunion states XX/XX/2017 XXXX  states XX/XX/2017 XXXX states XX/XX/2017 not all equal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian a couple of times, I feel like they 're not properly investigated my dispute. And all they 're sending me every 30 days is a credit report no letter about the information about my investigation of my dispute. I have asked for them numerous times.   Account :   XXXX   XXXX    XXXX
Product: Money transfer, virtual currency, or money service

Was using Cash app thinking I was about to rent a house. Was scammed out of {$650.00} the first t time then {$100.00} application fee. When I reach out to cash app I was told to make sure I was sending money to a real person. Was never able to talk to a live person only to online robot! So I lost {$750.00} that I never got back due to cash app carelessness.
Product: Debt collection

Requested Do not call on all phone numbers on account XX/XX/18, Company has continued collection attempts through phone calls, has left several voicemails. Spoke to a manager at the branch, XXXX XXXX, she initially admitted fault and apologized for the continue phone call. XXXX used the exact words " we made a mistake ''. XXXX stated she would have her manager give me a call back at the end of the day. Spoke to XXXX again, only to confirm the manager 's information that I would be expecting a call back from later, XXXX became very upset and confrontational, raised her voice, denied any fault in the situation after already admitting fault. States either you're going to pay your loan or you're not.
Product: Credit reporting

My Identity was stolen. Some one opened a credit card account from a bank I do n't know of, on an address I 've never lived in, but in my name using my social.
Product: Credit card or prepaid card

I had a capital one credit card closed I tried to contact capital one to reopen but they want me to reapply which I know will hurt my score. This card has the second longest history of all my cards. I am XXXX and the card had a 7-year history.
Product: Debt collection

On XX/XX/2023, I received a notice on my credit reports that a company named Solverity placed a tag line on my credit reporting stating that I had a charged off account, owing {$110.00}. After some research it seems that the original owner of the account was owned by XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, WA XXXX. I had a balance on my waste account for ( {$110.00} ) for which I paid on XX/XX/2023, via an online payment using XXXX XXXX  website. I even spoke with a customer service agent, and I was never informed my account was sent to a debt collection company. I never received any notification from Solverity about the debt, and I was not allowed to verify the debt as allowed for in the Fair Debt Collection Practices Act ( FDCPA ). " Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered.
Product: Vehicle loan or lease

Since will not refinance are calling multiple times a day and leaving more than 1 messages a day on phone
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX isnt removing items that arent mine on my credit report and I sent in police report
Product: Checking or savings account

JP MORGAN CHASE BANK UNSOLICITED MARKETING EMAILS FROM CHASE CONTAIN NO UNSUBSCRIBE LINKS CONTRARY TO INDUSTRY BEST PRACTICES AND FTC REGULATIONS. CHASE DOES NOT COMPLY WITH MULTIPLE UNSUBSCRIBE EMAIL REPLY RESPONSES FROM ME OR MY ACCOUNT PREFERENCES. CAN NOT RESOLVE OVER THE PHONE, LITERALLY SPENT HOURS AND DOZENS OF CALLS TO RESOLVE YET UNSOLICITED EMAILS WITHOUT UNSUBSCRIBE LINKS ARE STILL BEING SENT OUT.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These Three company have deliberately had unauthorized inquiry on my credit report, I need to be deleted IMMEDIATELY XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These are the following dates of unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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: Student loan

Navient has put on my credit report late payments the President had issued a executive order regarding federal loans a pause in payments and interest till XX/XX/21. I have been making payments due to them putting late payments on my credit report and from them calling me telling me that I dont have a federal loan. I called and spoke to someone they said I have a commercial Loan He was unable to explain what that is? I went the federal website it says I have federal loans. I need clarity we are in a national pandemic. I need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.