23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please note that I have done everything humanly possible to SAVE MYHOME! The last straw happened today XX/XX/2016. I feel as if my case could 've been finished sooner if the bank would 've communicated internally to find my checks. I CALLED AND PROVIDED PLENTY OF INFORMATION REGARDING CHECK NUMBERS, CHECK AMOUNTS AND THE ADDRESS THE CHECK WAS SENT TO AND I WAS INFORMED THAT MY CHECKS WOULD LIKELY BE SHREDDED AND IT WOULD TAKE LESS TIME TO PLACE A HOLD ON THE CHECKS AND RESUBMIT!! I did as I was instructed and they will not check for the location of the checks or take my payment of {$250.00}. This has ruled me out of a modification. Here is what happened. I had XXXX checks sent to Citimortgage XXXX in the amount of {$5000.00} and another in the amount of {$470.00} the check numbers were as follows {$5000.00} and XXXX in the amount of XXXX both checks were mailed on Saturday XXXX XXXX. On Monday I contacted Citimortgage to see if they received the check and they did n't so I called everyday and I provided them with the check numbers and the address it was sent to I was not informed that my checks would be scanned and shredded if they arrived at the corresponding address XXXX XXXX XXXX until after I spoke to my Counselor for our scheduled conversation on XX/XX/2016. I was under the impression that it would be simple for Citimortgage to communicate with the correspondence unit about my check information and then process the checks. Once I spoke to XXXX XXXX I was told that it would not be a simple process and it could take up to 2 weeks if the documents were not shredded. As per her directive I had the checks cancelled and reissued again. The new check numbers are as follows XXXX in the amount of {$5000.00} and XXXX {$440.00}. I also called to inform Citimortgage that the checks we 're mailed out and that I used the new address that a rep and counselor gave me. I thought they could trace the checks to tell me exactly were they were. But no, I was told that they did n't get the check and they would contact the advocate department. Also no customer service rep would take my debit payment of {$250.00} dollars until they processed the missing checks. This is terrible and I have been taken advantage of once again. These XXXX checks will make my trial payments total to close to over {$16000.00} Although it 's clear that I have accurate info they will note contact staff members with the check numbers to process documentation. I am XXXX afraid of what will happen to my home. To make matters worse I was not given an appointment to speak to my counselor until after my deadline. This means XXXX checks were sent and an outside trace shows the first set of checks being delivered to the post office. PLEASE HELP ME!! These checks that have been sent and have traceable I information are about to make ME HOMELESS!!
Product: Debt collection

Thursday XX/XX/2023 phone call received at XXXX. In the phone call, before any confirmation of my identity was given by me, the woman proceeded to give out my social security number. When my husband proceeded to try to explain she had the wrong person and wasn't me, the woman then aggressively kept spouting off federally secured personal identification ( ie., social security number, full name, birth date, home address ) all without confirmation, and to the wrong person who wasn't the person of attempted contact. This is a complete violation of my personal and private identity and could be used for any identity breaches or theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,  you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America is always putting fraud alerts on my account I'm having to drive an hour and a half every time to a Bank of America branch because there's currently no Bank of America 's in my area so identification to verify my identity they open the account once the account is open money gets handed over to the other people who are committing the fraud once I go Bank of America puts a fraud alert and request that I drive an hour and a half to verify identity they've done it four times already they're continuing to do it I'm asking something to be done about it
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

So my father passed away XXXX, there was TOD on the property, I did everything fifth third bank asked of me, documents etc. Covid hit lost atty, courts closed etc, begining of 2022 foreclosure started again, contact the bank started process over, XXXX 5/3 XXXX XXXXXX/XX/XXXX I got approved through XXXX XXXX should be receiving paperwork to finish assuming the loan, still haven't recieved paperwork, bank will not talk to me now, house is on sheriff sale currently and bank was supposed to stop sale it didn't happen bank will not call me back.they are even refusing to talk to my third party that they have authorization to talk to. Pls help me before its to late.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information on Credit Report XXXX  Account Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX on my credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Account Name : XXXX Discrepancies and Errors : Incorrect Reporting of Account Status : The account shows it was charged off and subsequently sold, yet the original creditor continues to report it, despite the purchasing company ceasing collection activities. This violates 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain the maximum possible accuracy of information. I have submitted this in a previous complaint.
Balance and Past Due Amounts : The balance is reported as {$0.00} after a charge-off of {$3900.00}. This balance may include erroneous fees or charges that were not properly documented or validated, violating 15 USC 1681s-2 ( a ) ( 1 ) ( A ), which mandates furnishers of information must provide accurate information.

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX. Under 15 USC 1681i ( a ), credit reporting agencies must reinvestigate disputes and correct any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages.

Account Closure Details : The comment states the account was " purchased by another lender, '' yet XXXX continues to report the account. This is a violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ), which requires accurate reporting of account status.

Payment History Inconsistencies : The payment history reflects numerous charge-offs and past due statuses without clear updates, suggesting potential errors in the reporting timeline. This inconsistency violates the FCRA 's accuracy requirements as outlined in 15 USC 1681e ( b ).

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ).

Debt Validation Issues : The company to which the debt was sold investigated and stated they can not validate the debt, hence they ceased collection efforts. However, XXXX continues to report the debt, which violates the FDCPA ( 15 USC 1692g ) and the FCRA ( 15 USC 1681s-2 ( b ) ), which requires furnishers to cease reporting information if it can not be verified.
Product: Credit card

I placed an order for furniture at Crate and Barrel using the store credit card issued by Syncrony bank. I paid for delivery fee in the store. 

due the fact that my order was big, C & B did several deliveries, in fact 5 of them, and 2 deliveries were cancelled due to damaged furniture in the truck. 

they charged me for every delivery, although I never gave them consent. 

I wrote a letter to HQ when I saw strange transactions, and I reported a fraud to Synchrony bank. 

I received an apology from C & B, manager XXXX XXXX spoke with me and explained that billing automatically charged me for every delivery and store employee just needed to credit the delivery charge, but she did not. She said it is a standard practice and indeed I should not pay extra for delivery if C & B splits one delivery to a few. 

C & B credited all delivery charges, but a month later I got a letter from Syncrony bank and they say " you did it ''. they charged me again, they overrode all the credits provided by the store and demand I owe them for 3 delivery. 

This is a pure fraud.
Product: Credit reporting or other personal consumer reports

I have previously requested all 3 bureaus to verify this account. Afterwards I received an updated copy that still show inaccurate information. There showing closed charge off with balances/ 90 days late and a current status. I ask that this be investigated and removed according to the law. I also notified an unlawful inclusion to my credit file in HIPA laws have been violated. 
XXXX XXXX XXXX earlier shied on my report as a Medical debt with a XXXX office showing. After an update its now showing deleted from 2 credit bureaus but XXXX remained with description of a XXXX line. My concern is how did a debt collector receive my personal information and why was it allowed to be shared into my credit profile. Please investigate and delete all unlawful and inaccurate information from all 3 Credit Bureas TransUnion, XXXX and XXXX. I thank you for your time and listening to my concerns.
Product: Credit card or prepaid card

I opened a credit card account with Capitol One Bank in XXXX. The account number is XXXX. In XXXX, I made a cash advance in the amount of {$30.00} and when I paid my bill for that month, I made sure to pay the account balance enough to cover the cash advance. As I continue to look at my Capitol One Bank bills with the hopes of paying off my credit card balance, I realize that after 6 years ( XXXX - XXXX current ) Capitol One Bank is still charging me the cash advance interest for that {$30.00}, in fact the interest is estimated to be around $ 40+ dollars a month for that {$30.00} from 6 years ago. 

When I tried to address it with the bank, they kept me on hold for hours and never returned to the phone. 

As I calculate the cost, I have been charged nearly {$5600.00} over the last 6 years for {$30.00} in cash. 

This is unlawful and must be addressed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im a victim of identity theft I have freeze all my credit bureau but some one hacked in to all my bureau by online and changed all the email phone no, address. I was able to get hold of of XXXX XXXX and XXXX and corrected them but couldnt get hold of no one at Experian credit bureau and my credit was unfrozen as well I never opened an online account to freeze or unfrozen. I only use my personal mobile to freeze or unfreeze. And all my information including my address phone no email is changed on my Experian profile. I have been trying to reach someone last 3 days over the phone no luck. Experian is the worst credit bureau And I also cant open any online account to gain access for Experian. This is so frustrating and scary. Please help
Product: Mortgage

XXXX XXXX XXXX XXXX, after I thought I had changed my auto pay accounts, I was charged a late fee, I paid it. I would get emails saying my payments were received when in fact they were only being processed, has caused me confusion on if the payment has actually been applied to the loan. 

I attempted to get it figured out, the online platform is confusing, again in XXXX I am having issues. I requested to only get physical paper communications or communications from a human being not misleading auto generated emails. 

After saying " We appreciate your patience while awaiting our response. Our management has reviewed your request. As you requested, your account has been updated to reflect your opt out preferences. Thank you, XXXX. '' I continue to get confusing/misleading auto generated emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX a service of XXXX XXXX. It said there was an alert on my credit report for Experian. It said to sign in to my account. I first looked at the email and it looked legit. On the credit report there was a report from this company ( XXXX ) XXXX Us Sm Bus Admin Oda XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I called the number on a sat morning ( which is outside their hours per their website ) A woman answered saying SBA. I told her what had happened and she said " this is a fraud attempt ''. Then she asked if I could give her my social security number. I said " no I can't. She said " well I will put you through to the fraud department ''. The man who answered immediately wanted my social security number too. I told him " no ''. He said " I can not help you then. '' I replied " so be it. I think you are attempting fraud. '' And he hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt outsourcing account # XXXX, has violated my rights. 

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
Product: Student loan

My student loans should be forgiven since I've been on social security XXXX for 16 years and am 1000 % qualified to have my loans dismissed by the get in their entirety.
Product: Credit card

Hi XXXX Ive submitted a complaint already regarding this I have new information I seen Im now being told XXXX issued me a credit? 
XXXX never issued a gift card credit I will show screenshot of gift card transaction history This is completely unacceptable customer service from discover card Ive not only shown proof that I returned the item Ive provided tracking history of the return Now XXXX claims they issued refund which they never did Ive asked for dispute to be reopened and 2nd investigation needs to be done Merchant noticed us that they issued me a credit which is a complete lie Please XXXX call me regarding this concern My issue is not being addressed properly even with all the proof Ive been showing This is completely sad I have to write all this Dispute number XXXX XXXX still left with no credit no refund no product from neither side Dear XXXX XXXX, We received additional clarification about a recent dispute investigation for {$75.00}, which we previously resolved in your favor. The Merchant notified us that they have issued you a credit for the disputed transaction. Because we had previously issued a credit to resolve your dispute, your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit. You'll see this on your statement as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Called Rushmore Servicing at XXXX to clarify a verification code sent at XXXX XXXX today to my text. I did not attempt to get online with this company at XXXXXXXX XXXX today. Although I have been working with Mr. Cooper sister company, Right Path mortgage servicing, to complete a loan modification for the last 11 months, since XX/XX/2023. When I asked for a representative at XXXXXXXX XXXX. Central Time on the phone this morning, the automated message said our " service center is closed, call during service hours Monday through Friday XXXX XXXX Central Time ''.
Product: Credit reporting or other personal consumer reports

Submitted payment to Elan Financial Services for VISA credit account with XXXX XXXX XXXX  using Elan app for XXXX on XX/XX/year> in amount of {$2100.00}. Prior to submission in app, Payment Date listed in app was XX/XX/year>, appropriately prior to due date of XX/XX/year>. Payment date was then subsequently changed to XX/XX/year> by Elan Financial without my consent or notification. Elan then reported the monthly balance to XXXX on XX/XX/year>, prior to XXXX XXXX date of XX/XX/year>, as not reflecting acceptance of payment amount of {$2100.00}, which then caused a XXXX drop in my credit score from XXXX to XXXX. Had the payment processed properly and had reporting taken place on or after Payment Due date, not before that date, then my credit score would have risen, as the utilization percentage rate for the statement period would have been lowered by the payment made, which itself exceeded the amount of funds borrowed during statement cycle. Upon contacting Elan Financial in good faith for explanation, their customer service agent stated my payment had been entered by me in-app on XX/XX/year> at XXXX, which was " past our cutoff time. '' When asked why, in light of that fact, the app still indicated that the payment date was XX/XX/year> and not XX/XX/year>, agent stated, " Oh wait - you did that payment in the app on XX/XX/year>, not XX/XX/year>, my mistake! '' That conversation was held on a recorded line. This is now yet again another instance of this company doing this to me, reporting before my Payment Due date, reflecting a balance prior to payment, and harming my credit score over this exact issue, yet none of the previous instances of this happening with them and only them, not any other creditor of mine, have ever been to this extent of damage to my personal credit score. Never once have they been polite, apologetic, offered to pull back the report from the bureau and reissue it corrected. It appears at this point to be intentional activity aimed at harming me in particular, and is perhaps a deceptive practice being carried out in order for Elan Financial to evade awarding credit score increases to manage their balance sheet, which is undoubtedly being harmed by their inferior management practices also. If this activity has not been intentional, it is an unacceptable business practice for a company owned by a parent of such magnitude as XXXX XXXX, to be so negligent in handling consumer accounts, always blaming the consumer, never offering a remedy such as re-reporting which other creditors have done, and only ever trying to argue their way out of any accountability whatsoever. Dispute will be filed with XXXX. Please investigate this matter and Elan Financial further, for any pattern of such malfeasance and deception with other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive letters at about 2-3 years home from XXXX stating I had applied for a credit card with them I called them and inform them that I never applied for a credit card with them and to please noted on the system and do not accept any applications for credit cards with them because I had no plans of applying for a credit card with them about a year later I receive another letter trying to verify information concerning another credit card I had applied for I called them again they did n't accept the credit card but nothing ever done them they when ahead and reported to XXXX XXXX that I had applied for a credit card adding 2 hard hits to my credit score, I called them on XX/XX/18 and was told they had already taken care if but I looked at my credit score and the 2 hard hits still there I want to officially file a formal complain agains XXXX and request that they have the 2 hard hits remove from my credit score, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I want to report identity theft and would like all these items on this theft report to be remove from my credit report. According to FCRA 605B ( 15 U.S.C. 1681 c-2 ) These are the other items that could not fit on the top of the identity theft report. XXXX. XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX. XXXX Account : XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX 
XXXX. XXXX, Did not authorize these merchants to pull my credit XXXX  XXXXXXXX XXXX on XXXX, XXXX XXXX XXXX please remove thank you
Product: Debt collection

I had opened a credit card with bank Of America back in 2017. I fell behind in which I was completely OK with repaying my debt I received a Court order about garnishments Which for one was confusing enough but I knew I owed the amount. My wages started to get held so I decided to get a loan to pay this off and so my other bills would not fall behind. The total debt was less then XXXX. No one wanted to help explain what was going on or communicate even though I told them my electric was getting shut off and all my other bills were falling behind. They held XXXX dollars from me. I would have to call and they would tell me they cant speak to me or give me a different number to call. All the while I had a sick child I couldnt feed and my electric ( which I work from home ) was getting g shut off. This whole process was brutal all because of greed. I cant even describe what this has done to me. And reality is, it was all for no reason.