23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis I have not sign up with LexisNexis company or ask for any of there services. They act as if there the 3 Credit Bureaus with incorrect information. I don't need to authenticate nothing with LexisNexis. They gather information that is incorrect. I do not have to provide nothing to The. They have not authenticated nothing as of any Proof of documents or anything that's proof. All it is s letter a letter saying I need to authenticate my information. There is no law I have to do nothing with LexisNexis. There the one with incorrect information gathered threw 2 nd and 3 rd parties with no proof. My next action is going to be legal filing law suit on LexisNexis with no proof or correct information. I don't want to here no more lies and deceit of information unless proof is provided. If you don't like it lets go to court. I did not request sign up or ask LexisNexis for nothing.
Product: Debt collection

My mortgage was transferred to Select Portfolio Servicing , Inc. ( SPS ) on XX/XX/XXXX from XXXX. At the time that it was transferred, my mortgage was approved for and protected by a Cares Act forbearance plan that was not due to end until XX/XX/XXXX. Before the transfer, I received a letter from XXXX stating that my mortgage was being transferred to SPS for servicing and that the Covid-19 protections ( forbearance plan ) that was in place would continue and be honored by SPS after the transfer. I also called XXXX after receiving the letter for further clarification because I did not understand why my loan was being transferred to SPS especially since I was in the middle of a forbearance plan but was assured that this was a normal process and that my loan would continue to be protected. 

The problem that I am having is that SPS refuses to honor the forbearance plan that my loan was under that was verified by XXXX as being a federally backed XXXX  XXXX  loan that qualified for the Cares Act forbearance program. Since they are not acknowledging the forbearance plan, they are showing my mortgage as delinquent and have been sending collection letters demanding a lump sum payment for the amount that was under forbearance and have sent statements showing that my mortgage payment will increase by $ 500 monthly. 

I have been calling and talking with representatives at SPS several times every month since XXXX of XXXX trying to get them to accept and honor the Cares Act forbearance plan that was approved and initiated by Chase that XXXX verified as being a Fannie Mae loan. 

There was never a time that XXXX or SPS was not able to contact me. I have voicemail if I was not able to answer if they called and I have been calling both XXXX and SPS several times a month trying to resolve this matter since XXXX of XXXX when my loan was transferred to SPS. 

A XXXX representative completed a three-way call with myself and SPS and verbally verified with SPS that my loan was a federally backed Fannie Mae loan that was approved for the Cares Act forbearance program before it was transferred to SPS and tried to get SPS to honor the remainder of the forbearance plan. 

The forbearance was due to end on XX/XX/XXXX but I have requested a three-month extension that individuals with federally backed loans are allowed due to SPS demanding a lump sum payment of over {$18.00}, XXXX before my mortgage can be reinstated and increasing my mortgage payment by $ 500 monthly. 

I will not be able to make the payment they are demanding and need my account to be adjusted to show that I do not owe a lump sum due to my loan being a federally backed loan and the amount that is due should be allowed to be deferred based on the guidelines for federally backed loans. Also, I should be allowed to resume my regular payment once the forbearance ends. 

I desperately need help with this matter because I have tried to end the forbearance plan, resume my regular mortgage payment and have the balance deferred as allowed by the provisions of the Cares Act but SPS is denying me this option.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX bank of America closed my 2 personal credit cards and one business credit card without further notice, after I contact them they told me its because your personal account and they schedule to close my checking and saving account for the personal and business account in 21 days. My fico score is XXXX and I have very good credit with other banks like XXXX. 
The closing of my credit cards without allowing me to transfer it to another institution will make me loose my credit history and this will effect my business and my personal life.
Product: Mortgage

My mortgage changed hands 2x in less than 6 months. My 2nd installment of my taxes didn't get paid. I ended up getting a new mortgage..in the meantime, interest accrued on my non paid taxes. I got sick of Mr. Cooper, and got a new mortgage. When I got my escrow back, they only gave me XXXX of the late fees back, not XXXX. So I still need XXXX back. It's not my fault they didn't pay my taxes.
Product: Credit card or prepaid card

Some company I do not know opened a Bank of America Visa card account. The card was never sent out from BAC and the company that opened account charged {$11000.00} to the account in my name. I never had possession of the card nor did I even know the credit card number. Bank of America states the company is not a fraud even though there are 100s of online complaints about this company XXXX XXXX. I never signed any documents yet they produced documents with DocuSign initials. I am XXXX years old and will never be able to pay this amount. XXXX XXXX was also charged by this company and they refunded my money as they believed XXXX XXXX were fraudulent. 
I submitted 32 documents to Bank of America two times. The first time they said they couldnt find the documents and gave me another address in another state. It took me hours to put together all this information that they totally discounted. 12 of their fraud employees submitted complaints to their supervisors that my complaint was legitimate and that the XXXX card was never produced or sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. As I understand, Federal reporting laws. especially the XXXX XXXX data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable XXXX XXXX compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite XXXX XXXX compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Product: Credit reporting or other personal consumer reports

I had XXXX separate student loans that were past due beginning XX/XX/XXXX and brought current in XX/XX/XXXX. My credit report says they were past due for 90 days in XX/XX/XXXX, implying a beginning past due date of XX/XX/XXXX, which is incorrect. 

I have statements and notification emails proving the late payments were from XXXX XXXX XXXX and not XXXX XXXX XXXX. 

At XXXX loans with XXXX false " past due '' monthly marks on my credit history, this is XXXX false missed payments that are damaging my credit score. 

The loans were originally with XXXX, but my servicer was switched to XXXX in XXXX. I have XXXX documentation letters from XXXX but the loans on my credit report may indicate that they are with XXXX ; they are the same debts, transferred to a new company. I have a statement about this attached. 

The disputes with Experian were first opened at XXXX XXXX and " resolved '' by XXXX XXXX ( screenshot attached ). Nothing changed on my credit report. I was given a " before and after '' report, in all XXXX instances the before and after were identical.
Product: Debt collection

On XX/XX/year>, I received a email from TrueAccord demanding {$1300.00}. On XX/XX/year>, I called the company to dispute, and I was transferred to an account specialist. I provided the account number provided by the email and the collector kept asking me questions about my identity in order to create a contract. I explained that the account was not mine and that by law they supposed to produce the original paperwork of the debt, also I stated that the debt was over 7 years old and that by XXXX it was illegal to procure the collection. They failed to produce paperwork.
Product: Mortgage

On XXXX of 2024 I became sick with XXXX XXXX and was out of work with no income for several weeks. Once I got better and my income picked back up I requested for mortgage help from XXXX and submitted all documents requesting a Repayment or modification anything to keep the roof over my family head. I submitted all documents and didnt hear back from XXXX until I was denied for missing documents. I had submitted all documents to BSI as requested but each time I tried to reach my single point of contact they where extremely rude to me and I never received an update during my loss mitigation review period they issued me a foreclosure date on my home. I believe XXXX is in violation of dual tracking of foreclosure. I explained to XXXX my financial hardship and they assured me I can be placed on to a forbearance and once my income picked up they would place the past due in a partial claim but I never received any paper work and when I would call in to check in the status there was no notes or recollection of my prior conversation with them about this. I believe I was mislead by XXXX just foreclose on my home
Product: Checking or savings account

After logging into my banking mobile account I noticed deposits that I did not make ... I immediately bought it to the attention of my financial institution ... After two weeks I called my bank and they notified me that not only were they no longer doing business with me they also informed me that I Would be responsible for all of the fraudulent charges to my account.
Product: Checking or savings account

Believe it or not, CFPB helped me resolve issues regarding JP Morgan Chase two years or so past. I had confirmed with the then branch manager that there was a XXXX balance as I closed each account. However, later, Chase hit me with fees on two accounts -- after CFPB intervened and Chase closed out my accounts with XXXX  balances. Once I swiped with XXXX XXXX XX/XX/2017, XXXX XXXX ACH or sent my {$640.00} to a closed account at Chase, rather than to my XXXX XXXX XXXX  account opened with XXXX XXXX. Each time I provided emails with letters confirming no ACH deposit had come in from XXXX XXXX to either Chase or XXXX XXXX, XXXX XXXX made other excuses such as precise wording from the branch managers. Chase 's branch manager checked and found nothing just as XXXX XXXX XXXX 's manager. 
Today, XX/XX/2017, I got lucky. A really concerned XXXX XXXX rep. assisted me with an email with Chase 's ACH contact phone number and instructions on who to ask for. Well, the first phone number of XXXX was a robot. The second number of XXXX was to Chase 's dept. of ACH on closed account. XXXX XXXX, XXXX answered but refused allowing me to speak directly to the ACH dept. She proudly said my {$640.00} had been split between two closed accounts ending XXXX on XX/XX/2017 and XXXX. She victoriously said {$350.00} applied to XXXX and {$290.00} applied to XXXX. It was futile explaining Chase was in error.
Product: Checking or savings account

Robinhood stole my money. I applied for withdrawal and they refuse to give me my money. I have chatted and talked to many of their customer service reps from XX/XX/XXXX through XX/XX/XXXX. They refuse to give me my money... spent hundreds of hours ... even had XXXX apply for a transfer... they denied it ... this is BAD!!!
Product: Payday loan, title loan, or personal loan

ATTENTION! 
There were payments made by Albert XXXX and Albert Savings Web to my XXXX XXXX  account that I NEVER set up nor did I ever have an account with them. I've since closed the bank account and disputed all the charges. They performed fraud and I will be reporting this to the FTC. 

This company is performing fraudulent payments on individual 's checking accounts and needs to be STOPPED. I am reporting this company to XXXX, and ftc and others. You should not be listing this as a valid financial company. 

XXXX XXXX XXXX XXXX of Albert XXXX
Product: Credit card

A company put XXXX separate charges on my credit card that were not authorized. Each charge was for {$1200.00}. The total amount of incorrect charges is {$3600.00} ( XXXX x {$1200.00} = {$3600.00} ). I contacted the company about the charges. The company 's salesperson admitted his mistake for each of the XXXX charges, and promised to issue me a credit. However, he only credit my account for one of the {$1200.00} charges. I contacted my credit card company to dispute the remaining XXXX charges, but I have not received a satisfactory resolution from them. At every step, my credit card company has misunderstood the basic facts of my dispute, and they seem incapable of bringing this dispute to a correct resolution. I need to be credited for each one of the XXXX charges of {$1200.00}. The total amount of credit issued to my Credit Card needs to be {$3600.00} to correctly remedy this issue. Please help me.
Product: Mortgage

From beginning of XX/XX/XXXXup until XX/XX/XXXX, I have been trying to work with my lender to try to get something done about the property. I informed them back in the early party of XX/XX/XXXX that i had been laid off of my job and i needed to do a loan modification to try and offset what i new would happen inevitably. I tried to do the modification, but eventually my unemployment ran out, so i began to look for a buyer, when i could not find a buyer on my own, i recently went to a Realtor. I was under the impression that i had to pay a realtor to actually list the property. I do not deny that a lot of this situation is procrastination on my part, but i need this short sale to make the matter right. 
The property is listed at {$130000.00} and we have had a lot of activity with phone calls and showings. I currently have an offer that i would like for the lender to review.
Product: Debt collection

I contacted Enhanced Recovery Corp on XX/XX/2016 and paid my debt in full. Over 60 days has passed and they have not reported to XXXX that the account has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the procedure of challenging illegal credit report inquiries on XX/XX/XXXX. They were delivered to XXXX, Equifax, and XXXX by certified mail. Over XXXX inquiries are included across the three reports. Even what pertains to an active account is beyond my ability to discern. I submitted a letter on XX/XX/XXXX, asking for an update on the letter I sent in XXXX because I had not heard anything on the outcome of my dispute. The final letter asking for a resolution to my disagreement was sent on XX/XX/XXXX, but there has been no answer. The credit bureaus have done little to protect my sensitive data, and I am concerned that someone may be utilizing it without my permission.
Product: Student loan

I spent the last 10 years working for the XXXX XXXX, XXXX XXXX and making on time payments to my loan. When I called to find out about my loans be absolved because of that reason I was told that my loan wasn't the right type of loan. That's how I was left. They redid my loan payments but that's all. 

Extremely frustrating and unfair that I wasn't told that 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received the response however you will not remove the XXXX collections account or and XXXX XXXX  the addresses associated with the accounts. I have provided you with the police report that my husband also provided you. His credit file has been updated with accounts deleted. My file still showing the collection accounts.
Product: Debt collection

I have contacted TD Card Services on three different occasions and informed them that I do not have a debt with them. They take down my number and say they will remove. However, I still receive at least three calls per day after informing them I do not have an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX 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: Debt collection

On XX/XX/XXXX I sent a letter, certified mail return receipt, to XXXX XXXX ( MCM ) letting them know that three debts reporting on my credit report, in the amount of {$560.00}, {$660.00} and {$850.00}, by their company was a result of ID theft and fraud ; therefore, I asked them to verify the debts. The company did not verify each debt as stated in my validation letter. 

XXXX XXXX/MCM is not giving me due process at law. For some reason they failed to provide proof that I had signed any contract for the alleged debts ; however, they sent me a copy of a bill, a portion of a contract that I have never seen and a statement claiming they did not understand what I was asking them to verify. On XX/XX/XXXX I sent a second letter, certified mail return receipt, letting the company know they had not properly validated the debt as belonging to me, so please remove it from my credit file. Most importantly, I attached a FTC ID theft report. 

XXXX XXXX ( MCM ) continues to get favor from the credit reporting agencies, causing them to initiate reinvestigation, but I do not have proof of the validation I have requested. The back and forth process between myself and the credit reporting agencies actually began late XXXX, and MCM continues to report the fraud accounts to my credit report.
Product: Credit card

I am a victum of identity theft. A Best Buy Citi Bank account ( account ending XXXX ) was opened on the morning of XX/XX/2024. I contacted Best Buy Citi Bank that same morning & notified them of the same. I telivision set was ordered on line & picked up that same day in XXXX, NY. I live in XXXX XXXX, CA. Plwasw explain to me how someone in California is able to pick up a TV in New York. I received a letter today stating your inveigation is closed and I am responsibile for the purchase amount. Please provide me proof I opened this account & make the purchase.