23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Lost income in XXXX due to COVID. Got forbearance approved for 3 months which ended in XXXX. Sent in loan modification application and required documentation mid-XX/XX/2020. Called multiple times and talked to several customer service reps and the information they provide is always different. The only person in charge of taking action is a person named XXXX XXXX ( ph XXXX, email : XXXX ) according to a few reps. Called XXXX several times, left voicemails, sent emails but she never responded in 3 months. Complained to other reps and they always say that they put it in there and she has to call back in 24-hrs, but she never does. They also see notes that she tried calling me and I didn't answer. But I never received her calls nor she left any voicemails. No supervisor ever called or emailed back either. I got another job but my income is not sufficient to meet the mortgage payments, and I am hoping to get the loan modified ( current rate is at 8.25 % ), but Shellpointe is being extremely uncooperative.
Product: Mortgage

The tax escrow that is charged to me every month in including an entire year of two of my tax bills each month - - -instead of 1/12 of those taxes that will be needed in my escrow account. 

I have spoken to customer service, the tax adjustment group, and the escrow analysis group on XX/XX/XXXX, XX/XX/XXXX and now on XX/XX/XXXX. Each time I am assured that the problem will be fixed - but it has not been. 

The bank - - -Citizens One, has now begun to call me and threaten forclosures.
Product: Checking or savings account

Robinhood restricted my account XX/XX/XXXX. They have been prolonging the process to resolve the restriction that they said would take 3-5 business days. It's been more than 3 weeks and the restriction is still in review. There is no number to call to gain any type of information about the status of my account. I have given them all the necessary documents that they required of me but every time they say they will notify me ( through automated message ) they do not notify me of anything. Instead, they continue to push the the date back. It went from XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX and so on and so forth. It is currently XX/XX/XXXX and now they say they'll notify me on XX/XX/XXXX after revising the notification dates over a dozen times. Ultimately, I feel as if my money is being held XXXX.
Product: Debt collection

I received a call where I work from someone looking for the owner of the business. His name is XXXX XXXX. He indicated that he was following up on a Workers Comp. Audit. 

He asked who would be responsible for that and I gave him the name of our General XXXX. He then asked for contact information for the GM, specifically his email. Then he indicated that he wanted to speak with accounts receivables. 

At this point he did identify the company he works for, Joseph , Mann & Creed. I then asked him if he was a debt collector and he said that he was. 

According to the FTC website, debt collectors need to identify themselves as such. It seemed XXXX XXXX was intimating that he was representing Worker Comp. at first. 

When our call was concluded I called Joseph , Mann & Creed to speak with one of the partners in this firm, only to be told firmly that " they are all gone for the day '' All I wanted to do was make them aware that their employee had been somewhat deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Intent To Sue Contacted Experian multiple times concerning XXXX XXXX and XXXX XXXX. 
Experian continues to allow these two companies to report inaccurate and knowingly false accounts on my report this damaging my credit and ability to obtain financing.

These two accounts have been removed from XXXX and XXXX because they did a proper investigation. Ive attached proof of removal from both bureaus below How could you verify account if 1. XXXX couldnt with the same 30 days you were provided 2. XXXX couldnt with the same 30 days provided 3.  XXXX XXXX admitted account was paid off 4. XXXX cant provide any legal signed documentation Requested documentation from all investigations but upon all verified investigations nothing verifying debt has ever been provided. Experian stated in a cfpb complaint they were investigating said account XXXX but it was stopped per your website with out reason and not being investigated as stated. All documentation will be used to prove Defamation and Perjury!.

Provided ample time to investigate under FCRA. Your Company continues to violate my consumer rights and section 609 611 612 616 and 617 of the FCRA. 
This is not a warning this is intent to sue for violation, and defamation. This will no longer be tolerated. Your company has 30 days to correct issue meaning provide documentation your company suppose to keep on file. Delete said accounts immediately or civil lawsuit.
Product: Debt collection

According to ARS, there is a medical debt associated with my name that I am completely unaware of. I want to clarify that I have health insurance, and on XX/XX/2019, I was not sick nor did I visit any doctors. Despite disputing this issue with the credit bureaus, I have not been successful in resolving it. The office mentioned in the report is unfamiliar to me, and there is no evidence such as signed contracts or hospital bills that link me to this debt. I want to emphasize that I was not ill at any point in 2019.
Product: Checking or savings account

I have over XXXX in my CashApp and I dont have the old phone or email I had when I made the account so I have no way to verify the log in but I have proof of identification I have state ID card past bills and I know the password to the account I just cant get past the verification I have tried to call multiple times theres no way for me to sign in or get the funds from my account and I need to access my money. I have XXXX XXXX  proof to verify who I am just not an old phone and they basically said I cant have my money that I know is there. Thank you, I just really need help.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2022 ; EQUIFAX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX for a living and years back before i lost my wallet with all my credentials in it. I am not a person that checks their credit frequently but i recently check it because i am trying to get a house for my family and i saw a few accounts on my profile that i have no idea about. I reach out to the credit bureaus XXXX equifax and XXXX  regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself. I am asking that these accounts be deleted from my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to formally request an investigation and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Inquirie XXXX XXXX XXXX  XX/XX/year> I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

On XX/XX/year>, I attempted to verify my eligibility for the Frontier Airlines XXXX XXXX XXXX bonus miles offer through the website https : //card.loyaltystatus.com/frontier/. Despite using multiple eligible co-branded airline credit cards ( XXXX XXXX, XXXX XXXX from XXXX XXXX, and XXXX from XXXX ), I consistently received an error message stating the card provided is not an eligible airline co-brand credit card type. This is a widespread issue with many other Barclays Frontier credit card holders as well. 

On XX/XX/year>, I contacted Frontier Airlines customer service. They informed me that this issue is not within their control and directed me to Barclays, stating it was a problem on Barclays ' side. 

On XX/XX/year>, I reached out to Barclays through multiple channels : 1. Called their customer service 2. Sent messages through the online portal when logged into my Barclays account 3. Attempted to contact their executive team Despite these efforts, Barclays has not provided any solution or workaround. They have not addressed the technical glitch in their verification system, which is preventing me and potentially many other customers from accessing the advertised promotion. 

This ongoing issue appears to be misleading consumers about their eligibility for the offer and preventing them from applying for a product they are interested in and qualified for. Barclays ' lack of support or action to fix this problem is concerning, as it affects their ability to deliver on advertised promotions. 

I request assistance in resolving this issue and ensuring that Barclays implements a functional verification system or provides an alternative method for customers to access the advertised promotion.
Product: Debt collection

The original account was a result of identity theft. I have disputed with CKS financial regarding this fraudulent account and therefore their fraudulent collection account.
Product: Student loan

My loans have been paid off the same account, but the FEDLOAN does not reflect that. The payments should be the same, as they have been made on the same payment account. 

XXXX XXXX XXXX XXXX XXXX {$33000.00} Remaining / Disbursed on XX/XX/XXXX XXXX/XXXX Qualifying Payments Expected Forgiveness Eligibility  XX/XX/XXXX XXXX Eligible Payments 93 QualifyingPayments 6 PaymentsNeed Employment Certification 10 Ineligible Payments 2 XXXX  XXXX  XXXX XXXX {$34000.00} Remaining / Disbursed on XX/XX/XXXX XXXX/XXXX Qualifying Payments Expected Forgiveness Eligibility XX/XX/XXXX XXXX Eligible Payments 18 QualifyingPayments 6 PaymentsNeed Employment Certification 85 Ineligible Payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unrecognized inquiry on my Experian credit report from XXXX XXXX, dated XX/XX/2020. This inquiry does not appear on any of my other inquiries. I have written to XXXX XXXX multiple times to request that it either be validated or removed. XXXX has repeatedly responded to my inquiries by claiming that it can not find any record of said hard inquiry. They continue to request information that they were already provided with. I can not continue to waste my postage and time in responding to attempts to stonewall my inquiry. 

If XXXXXXXX XXXX can not verify that this inquiry is valid, they must remove it pursuant to the Fair Credit Reporting Act ( FCRA ). I am enclosing a copy of some of my recent correspondence to XXXX XXXX for reference.
Product: Student loan

Navient has been calling me for approximately the past  XXXX  months at least   XXXX   times a day starting at  XXXX  to about  XXXX .   I have tried to work out many options to repay my loan. They have told me I make too much and that I owe { XXXX } a month and they can not lower it. Then I spoke with someone else and they told me if I want lower payments I need to submit my bank statements. Then I spoke with someone else at the end of  XXXX  who said that he can get me to repay { XXXX } every  XXXX  weeks for the   XXXX   XXXX   months to catch up on the money I owe and then the payments would drop to {  XXXX  } every  XXXX  weeks. Well,   XXXX   days later navient is calling me again and telling me there is no such repayment and I owe { XXXX } a month. They told me they will take { XXXX } every  XXXX  weeks but it wo n't get me out of collections. I said that is all I can afford. I have other loans too which they want { XXXX } a  XXXX . I also have a child and a baby on the way. They told me since the baby is n't born they ca n't take into account that I have to pay for diapers formula and wipes and that the baby needs things before it 's born. They are unfairly harrassing when I am agreeing to pay { XXXX } every  XXXX  weeks but they are telling me I 'll still be in collections. Please help they need to be stopped.
Product: Credit reporting or other personal consumer reports

Per my state and the applicable federal reporting laws and standards for compliant reporting of physically verified correct, accurate, entire, timely, validated claim ( s ) that are equally properly certified compliantly expressed is the MINIMAL CRITERION FOR REPORTING or which is NOT AN OPTION but rather a REQUISITE to report LEGALLY!

I here again DEMAND that you are LAWFUL in reporting ONLY CLAIMS that are proved and demonstrated as CERTIFIED COMPLIANT in the reporting of ONLY factually factual, correct, full, timely, physically verified, valid claim ( s ) that equally is certified compliant in its processes of reporting and investigationseven to the mandated perfect and unabbreviated CERTIFIED COMPLIANT METRO 2 FORMAT RE
PORTING STANDARD ( S ). 

Any deficiency of reporting, including proof of such, invalidates the REPORT-ABILITY of any injurious allegation ( s ) contested by an injured consumer.

This written note of challenge is my official WRIT NOTIFICATION OF CHALLENGE, so REMOVE FROM REPORTING any derogatory claim now. Until adequate and provable proof is returned, retain required compliance of reporting status, which you MUST DO! 

Additionally, this consumer precept-like writ demand is your obvious formal notification to CEASE AND DESIST all collection activities in regard to the above-titled inquiry, specifically because the reporting of claim ( s ) was a part of the collection action. If a part is spoiled, the whole is as well!

As your firm is well aware, I have LEGALLY exercised my rights by disputing the validity of this application/inquiry, of which I have NO knowledge of its proven document of adequately acquired lawful permissible purpose, and I can not assume it is legitimate otherwise. 

I have, in writing and by phone, demanded that you provide : Concluded validation of claim ( s ).

Proof of certified compliant reporting to the mandated Metro 2 Format Standard ( s ).

Instead, you have ignored my demands. By ignoring my legal validation request of the claim 's : Verifiability of certified COMPLIANT METRO 2 FORMAT REPORTING, Truth, accuracy, and completeness of validity elsewhere, Your firm is in direct violation of the FDCPA and FCRA. 

Since your firm has knowingly violated both federal and state law, I am DEMANDING that you : CEASE ALL REPORTING ACTIVITIES IMMEDIATELY! 
Stop at once reporting the debt in question to any and all Credit Reporting Agencies. 
DELETE IT FROM MY CREDIT REPORT AT ONCE.
Product: Mortgage

Following XXXX. In XXXX, I received an email from out of nowhere from a XXXX XXXX from XXXX. XXXX about getting a fixed loan rate 3.50 permanent. I thought this is what I was working with him on, I never stated, I wanted a loan modification. I would like to find out if he is involved with this split loan. I was doing well already and didn't need a mod,. So this split my loan and having me pay some now and maybe the rest when I'm XXXX. I didn't approve this agreement and I have been worried sick about these changes. I plan to work diligently to get to the final of this sabotage agreement. Phh and Ocwen didn't give me the info I requested, I wouldn't have made this move with truth be told. I don't have these documents in possession with XXXX XXXX. Authorized Officer never heard. I've been paying on this loan and I still owe the same amount. Also the escrow payment that was supposed to receive took it from me and put it on the back of the loan without my agreeing to it. I did not REQUEST A MODIFICATION IN XXXX.
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Use of Information Violation of XXXX XXXX XXXX I am writing to formally dispute the information currently reported on my credit file. I believe that the reporting of my personal information to your agency and/or the obtaining of my personal information from your agency was done without my explicit written consent, in violation of 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

Specifically, under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer 's credit report under specific circumstances, including obtaining the consumers written consent. To the best of my knowledge, I have never provided you with written authorization or consent to obtain, share, or report my personal information to any third parties, nor have I authorized you to gather or distribute my credit data for any reason. 

Given this, I respectfully request the following : Immediate Verification : Please provide documentation showing that I gave written consent to your agency, as required by law, to either access or furnish my information.

Removal of Unauthorized Information : If no such consent exists, I request that any information obtained or reported based on such unauthorized access be removed from my credit file immediately.

Correction of the Record : Ensure that my credit report is amended to reflect the accurate, lawfully obtained information. 

Please note that under the Fair Credit Reporting Act, I am entitled to dispute inaccurate or unauthorized information, and you are required to investigate and respond within 30 days. 
Thank you for your prompt attention to this matter. Please provide a written response confirming receipt of this dispute and any actions taken to resolve it.
Product: Credit card or prepaid card

Money deposited on XX/XX/XXXX. I advised Direct express XX/XX/XXXX of unauthorized fraudlant activity. 2 amountsvi explained to rep one fot XXXX another for XXXX Rep explained i would recive via, mail paperwork for me to summit with any unauthorized charges. There were one other truthfinder and magazines. Also, i had to obtain another card. I paid for 2 day shipping for card. I did not receive the card for 4 dsys. I was able only to speak to the dispute department one time when i first moticed. Now i sre those charges, as paid. And i am having a hard time financially afraid i wint have enough money to pay remaining bills.