23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our previous loan company was XXXX. They sold out to Loancare , LLC. We received a letter from XXXX on XX/XX/XXXX that our new mortgage company would be Loancare as of XX/XX/XXXX ( this is also when our loan is due- XXXX of each month ) and it gave the address to which our payment should be made. We have a Third Party payor that sends our mortgage payment out for us so that our loan should be paid off early. This company is called XXXX XXXX. I called them to notify them of the change then I faxed them the letter we received from XXXX. They sent the payment electronically on XX/XX/XXXX, we verified the amount and trace number with Loancare because we received a bill saying out XX/XX/XXXX payment was not made. That prompted me to call Loancare. The first time I spoke with a man named XXXX. He asked for our loan number I told him I only had the loan number from XXXX. He said that was fine because they had both that number and our new loan number with Loancare but said no payment had been made. So with XXXX XXXX   on the line and with Loancare on the other line ( conference call ) the loancare rep researched and found out that yes they received the money but they thought it went to another customer because of the loan number used ( the only one we had at the time ). She said the problem is that customer was no longer a customer of Loancare 's so Loancare sent our money to the other person 's new financial institution. She said she would put in a request to get it back but our account would show over due until Loancare received the money back. I have called several times and spent hours on the phone on hold and I spoke with two Managers. The first Manager told me our account would be credited within two business days. A week later I called only to find out he lied. I spoke with another Manager and he said the money would not be credited to our account until Loancare received it back. I told him that was not our problem our payment was made and we want it credited to our account. We received over due phone calls and letters in the mail. He told me that was just automatic and to disregard them I said that is not the point- the point is we made our payment and it should be credited to our account as of XX/XX/XXXX. I told him I wanted to speak with someone higher than him He said he would put the request in. We never heard back. I called again asking to speak to the highest person in authority and was told I could only speak to an immediate supervisor. I said fine put them on and then I will ask to speak to someone higher. I was put on hold for 28 mins. Finally she came back and said no one was available but she would have them call. No one ever called. I have spent HOURS on the phone with Loancare trying to get this resolved and they keep telling me the same thing that they will not credit our account until they receive the money back from the other institution. I asked what happens if they never send it back? I got no answer.HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit card or prepaid card

I got a call on XXXX/XXXX/XXXX from Citibank which is where my Goodyear credit card is financed stating that my account is 90 days past due and that I have been charged {$400.00} dollars in late fees. I have been a customer since XXXX and my account had always been setup on autopay. I have the statements to prove it, see attached. They said that I received an email that my account had been disenrolled but I did not dis-enroll it from autopay. It has been set up that way for years so why would I stop it now. When I checked the activity on the goodyear signon website, it said no activity at all for any of the months in XXXX. The supervisor that I spoke to on the phone could not explain why it said no activity. He kept referring me to an email which he could not prove that I disenrolled myself. I do n't check my personal email so I was not aware of this so called dis-enrollment. Somewhere along the line my autopay got removed but it was not by me. It looks like when my balance was {$0.00} the system might have disenrolled me. If they do n't have proof that I actually disenrolled myself, I want my account restored to prior state.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is showing delinquency on my credit report when its not I was never late and they transferred this account to a new bank so I dont understand why they would report it as an negative item on my credit report this is unfair
Product: Money transfer, virtual currency, or money service

Unauthorized wire transfer. 
Scam. 
4 different wire transfer were sent to a Banks in new York. 
I was victim of a Hacker who got acces to my bank account, I never said any personal information the hacker knew everything details about my account balance, password, username, phone number linked with this account. They sent a text messages " fake messages about a suspicious activity on my account Then the hacker called me on behalf of Security department to stop any unauthorized charges from a XXXX store, XXXX he always pretend to make feel like the bank is working to stop any fraudulent activity.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint and demanding that the XXXX XXXX XXXX delete the fraudulent items from my XXXX XXXX. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my XXXX XXXX, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness.Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted and disputed incorrect personal information in my consumer disclosure file with SageStream. I have called them repeatedly but they don't answer the phone and do NOT return calls. 
Dispute letters sent on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ) and again on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ). 
Most recent letter was received on XX/XX/XXXX giving them, by law, 30days to XX/XX/XXXX. 

To date, I have not received a resolution or response to this dispute letter. At this point, by law, they are past time to show verification or proof information on record. These disputed incorrect items need to be deleted.
Product: Money transfer, virtual currency, or money service

I mistakenly deposit money from XXXX to my old Chase Business banking account. Because, I had accrued a debt they kept my money and re-instated me a check under the name of my old business. 
I was told that the Chase branch would cash my check. When going to the branches, they have made it very clear that they don't cash businesses checks. 
When I call the Chase Business customer service, they aren't able to find a solution for me and state that they can't send me a check under my name. 
No one is willing to work with me and I have money that I am unable to cash. 

I can't find a solution.
Product: Credit reporting or other personal consumer reports

Complaint Description : I recently discovered that my identity was stolen, and fraudulent accounts and transactions have appeared on my credit report. These unauthorized activities have negatively impacted my credit score and financial standing. 

Details of the Issue : I did not authorize these accounts or transactions. 

I have contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to dispute the fraudulent items, but the issue has not been fully resolved. 

I have also reached out to the creditors involved, but I am still facing difficulties in removing these unauthorized accounts from my credit report. 

The fraudulent activity has caused financial harm, including potential denial of credit, increased interest rates, and reputational damage. 


Actions Taken : Reported the identity theft to the Federal Trade Commission ( FTC ) via IdentityTheft.gov. 

Filed disputes with the major credit bureaus. 

Attempted to resolve the issue with the creditors but have not received satisfactory assistance. 

Filed a police report ( if applicable ). 



Requested Resolution : I request that the CFPB intervene to ensure that the credit bureaus and creditors properly investigate and remove all fraudulent accounts and transactions from my credit report. Additionally, I request that my credit file be corrected and any negative impact on my credit score be rectified. 

Here are the following accounts Amex- {$14000.00} 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

I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that you please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistant in overcoming this unfortunate experience.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section XXXXB of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.
Product: Credit card

During XXXX, XXXX I received a promotion from Elan Financial Services on XXXX XXXX  XXXX  letterhead offering 12 months with no interest on balance transfers. I responded and requested a balance transfer to my XXXX XXXX XXXX  which was confirmed by XXXX on XX/XX/XXXX. The transfer was for XXXX. The disclosed fee was for XXXX. 

On the next statement dated XX/XX/XXXX the balances were reflected accurately on page XXXX ( interest calculation ) and no interest was charged. 

During the XX/XX/XXXX - XX/XX/XXXX period ( the next statement basis period ), I made a total of {$5300.00} in payments against this account. On the statement dated XX/XX/XXXX, some form of arbitrary and undisclosed application process was followed which resulted in an interest charge on page XXXX of the XX/XX/XXXX statement of {$73.00}. This was because the majority of the payments made during the period were applied to the balance transfer and not the purchases. 

This arbitrary method of application mostly obliterates the dollar value of the interest free balance transfer. This is aggravated by the usurous rate charged by Elan/ XXXX compared to other similar cards on regular purchases not paid during the usual interest free period. Note that my payments during the XX/XX/XXXX billing cycle far exceeded the purchases made during that cycle, as has always been my practice with this card, with the exception of a promotion. 

I received a number of explanations of the application and assurance that I would be sent the disclosure of the application process. What I received was a copy of the Card agreement, which does not address promotional payment applications at all. I believe Elan is taking advantage of the lack of capability for the customer to direct application of payments on their website and failure of the customer to understand the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXX, FL XXXX USA Reported a debt to my credit when I was never notified of this debt. Secondly, it was regarding my XXXX XXXX XXXX cable account. I cancelled the account when I moved to an area they did not service, turned in all equipment, and provided a forwarding address. I do not owe them any amount and was not even given a chance to dispute due to not getting any correspondance about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Account number XXXXXXXX  Balance {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXXXXXX XXXX Account number XXXXXXXX  Balance {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.
Product: Debt collection

This is assumingly a balance due from XXXX? XXXX? Which I was no longer residing in CA! I have called them, and the assuming doctors ( Veterinary office ) to tell them that this is NOT me. As you see from my address above, I reside in OREGON! And now, I see that the collection agency XXXX Allied Collection Services in California ) keeps raising the balance! Are they allowed to do this?! This is silent harassment!!!
Product: Mortgage

Received forbearance on mortgage payments due to XXXX. Nationstar, mortgage servicer for XXXX, offered loan modification at end of forbearance I complete all 3 trial payments. Nationstar sent me loan modification documents to sign and return. 

However, the modification attempts to capitalize {$3200.00} for monies Nationstar did NOT pay on my behalf during the forbearance period. After speaking with Nationstar reps, XX/XX/XXXX XXXX, ( XXXX ( no longer with company ) and XXXX  ), the first one told me this was for money Nationstar " anticipates paying on behalf in the future for taxes and insurance, and that although it'll be capitalized into principal balance now, Nationstar will still collect this amount a second time through increased escrow payments ( essentially I would pay twice, once through having this money added to loan balance and then again through increased escrow payments ). The second time I spoke with Nationstar, XX/XX/XXXX, XXXX, the rep agreed with me that the only money Nationstar paid out on my behalf during the forebearance was {$190.00} ( this agrees with my records ) and the rep could not explain the additional {$3200.00} being added to the loan balance as a condition for modification. Rep said she would call me back that day. She never did. When I called Nationstar again, I was put in touch with Nationstar 's Executive Resolution Office, XXXX XXXX ( XXXX ) who informed me would get to the bottom of this attempt to capitalize imaginary money. She told to NOT sign the modification and also to NOT make any additional payments until the loan modification anomaly or question was resolved. I have not heard back from XXXX though I have left messages 3 times since XX/XX/XXXX. 
This period of not knowing the status of my loan modification, what Nationstar 's intentions are and whether or not I should proceed with trying to sell the home in order to pay off the mortgage is causing me distress. 
Nationstar 's summary of their terms for the modification states "... unpaid interest, real estate taxes, insurance premiums, and certain assessments paid on your behalf to a third party, will be added to your mortgage loan balance. '' Since Nationstar services millions of mortgages, many on behalf of XXXX for XXXX such as myself, and many people are receiving loan modification offers, it makes one wonder if Nationstar 's attempt to capitalize ineligible money is just a one time mistake in my case, or is there a system in place where Nationstar routinely adds ineligible fees or payments never made on behalf of borrows to the loan balance. 
signed //in limbo//
Product: Debt collection

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my information was part of the breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, a consumer and natural person, was denied credit by XXXX when I applied for Reference Number XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX due to the response I received. XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX according to law.