23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Around XXXX I received a letter from XXXX ( A XXXX XXXX Company ) offering me a loan modification to increase the term of my loan to 40 years which would reduce my monthly payments making them more affordable and helping me avoid foreclosure. I called them and accepted their offer and made the 1st of three trial payments that were required under the terms of the modification. During that same month I receive a letter letting me know that the loan was being sold to PHH Mortgage and as of XXXX I would need to deal with them. I called that company during XXXX to ensure I made the 2nd required trial payment. It wasn't until XXXX that I was able to make the 2nd trial payment. However, during that phone call, the representative attempted to confirm payment of the previous loan payment amount, but when I was asked to confirm the amount and give my permission to run it, I informed them the payment amount was not correct. They fixed it, asked me to confirm the amount, and I confirmed the updated amount was correct and gave my permission for them to run it. The call ended with the representative taking my phone number to have someone from their company call me to discuss the loan modification made by the previous loan company. The next day, XXXX, I checked my bank account to find that they had no only run the correct payment which I confirmed and approved, but had also run the incorrect payment which I did not confirm nd approve. So I called them about it and they said they could possible credit the account but it would take up to 5 business days and they would most likely send a check if it were credited. I live pretty close to even and having a bank account that was in the red for around {$800.00} at that point meant I would have to pawn property, borrow money, etc. to buy gas, food, pay other bills, and generally make ends meet until a credit was approved and a check was mailed and received, if they actually approved the credit in the first place because they couldn't even confirm the loan modification was made to my account as agreed to by the previous loan company. In the end, the only way I could stop the payment was to have my bank reverse it which cost me money to do.
Product: Credit reporting or other personal consumer reports

I am submitting this comment to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues with inaccurate, inconsistent, and incomplete information on my consumer report. I have disputed these errors three times, on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. Unfortunately, despite my efforts, the disputed accounts were either marked as verified or accurate, yet they continue to be reported with additional incorrect, inconsistent, or incomplete information. 

I am providing this final opportunity for the credit bureaus to resolve this matter by removing these inaccurate accounts from my consumer report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  Despite my prior disputes, the information remains incorrect and is severely impacting my credit standing. I kindly request the CFPBs assistance in ensuring that the credit bureaus take appropriate action to correct these inaccuracies and remove these accounts from my credit reports. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On Friday XXXX XXXX 2017 at XXXX XXXX, I received a phone call from my mother stating that someone named XXXX from a company named AP Services called her asking for me about a " business matter ''. I have not lived with my parents in many years for them to receive any phone calls at their home. She gave me their phone number XXXX. I called this number and received a prerecorded message stating that someone would be with me shortly. I was on the phone for 22 minutes and never  spoke to anyone.
Product: Mortgage

Nationstar hired XXXX XXXX XXXX to forcibly enter our investment property and removed everything ( {$8100.00} ) and destroyed our yard with roundup and cut all our trees. Even though the log in sheet, left on kitchen counter, stated winterizing, they took items we used to winterize the house. When NS was originally asked about the break in, they stated that we were in good standing and they did n't order an inspection. It was n't until I found out it was XXXX employee who removed everything and they had a work order from NS to perform these debri removal did NS tell me that no one was suppose to go into the house, only take pictures of the outside. The police investigation concluded that it was XXXX employees who took everything. They had a XXXX page inspection report and paid by NS. XXXX turned the issue over to their claims office. Nationstar now refutes all allegations of illegally entering the property because they hold the deed of trust and they determined the house was abandoned and unoccupied. There is NO way to tell from the outside no one was living there. We had spent 80 hours cleaning, staging and repairing this house after having to get court order to evict the tenants. The power was on. The a/c was on. There were lights on. A realtor had just left the house with in the hour. The security guards were never asked about the status of the house. AND our primary house mortgage is also with Nationstar. We received a letter from Nationstar on XXXX/XXXX/16 stating that if payment for XXXX 2016 and XXXX 2016 was n't paid by XXXX XXXX, 2016 foreclosure proceedings would XXXX. Payment in full was sent on XXXX/XXXX/16. NS received it on XXXX XXXX, 2016. The break in by XXXX was XXXX XXXX, 2016. 
Nationstar Mortgage mistakenly issued this work order two weeks too early. We feel they are using bully tactics on us little people so they do not have to admit wrong doing or repay us for damages. We 've just survived the XXXX 10 days ago and just do n't have the time or money to make Nationstar do the right thing. All we 're asking is to be where we were before Nationstar illegally removed our property from our house. We had to follow the law to get the tenants to vacate the property. Nationstar is no different. They 're not above the law. Any assistance in this matter would be much appreciated. 
Please adviseXXXX property address XXXX XXXX XXXX XXXX XXXX, TN XXXX Loan # XXXX Nationstar reference number XXXX Recap Nationstar first said it was n't them that ordered the removal of our property. 
XXXX. Then stated Assurants was just suppose to take pictures of outside XXXXRefuses to provide us a copy of the XXXX page inspection report so we know what was done to our house. 
XXXX. Police investigation determined that Nationstar did order the removal of our personal belongings. 
XXXX. Now refuses to repay us for damaged accured do to their mistake.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Paid/ Closed XXXX  XXXX XXXX XX/XX/XXXX {$110.00} Paid/ Closed XXXX XXXX XX/XX/XXXX {$17000.00} Paid/ Closed XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Account in dispute under Fair Credit Billing Act XXXX XXXX XX/XX/XXXX {$400.00} Paid/ Closed XXXX  XXXX XXXX XXXX XX/XX/XXXX {$360.00} Paid/ Closed XXXX XXXX XXXX XX/XX/XXXX {$470.00} Paid/ Closed Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX  XXXX XX/XX/XXXX {$650.00} Paid/ Closed XXXX. XXXX, XXXX XXXX XX/XX/XXXX {$800.00} Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$6200.00} Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and fraud activities. While having my accounts linked to XXXX XXXX XXXX. Many charges occurred from my accounts that I have asked XXXX, XXXX and Transunion to block and delete from my credit report. I currently have typed a letter going out tomorrow the XXXX or the XXXX of XX/XX/2024 and I am explaining to the credit bureaus my dilemma that has gone unheard without the necessary documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # 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 or other personal consumer reports

This student loan account listed as DPT ED/XXXX Account # : XXXX & XXXX is listed multiple times on my credit report all with different information. This means this account information has not been properly verified under FCRA therefore it MUST be deleted. Furthermore, the account in question can not be listed multiple times this is adversely affecting my credit score and credit utilzation because of the high dollar of amount of each account. 

DPT EDXXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 i had received a call from my bank as shown on caller id and was informed of fraudulent activity on my online banking app XXXX, the rep had me do me to me transactions to reverse funds as he said, I had been scammed out of 2 business accounts out of Bank of America for {$10000.00} and {$2900.00} Bank of America has denied my claims for money returned, On XX/XX/2022 I had gone to my local branch in tears with the thought I was scammed and it was confirmed i was, with absolutely no protection from Bank Of America or refund of monies, from what I understand all money was transferred into a XXXX XXXX Bank account,
Product: Bank account or service

Hello, I have received a mail dated back to XXXX/XXXX/2013 for a debt collection of the amount of {$170.00} from the Bank of America. 

I was never aware or notified of this debt by the bank. I believe this to be an unfair practice as I have never been notified or warned that this unknown debt would be sent straight to the collection agency XXXX XXXX XXXX. 

Not once have the collectors contacted me about this debt I owe to the Bank of America and now I receive this mail stating that I owe a certain amount without any reason as to why. If this were true and they communicated with me in an appropriate manner, I would have payed this off immediately without hesitating as this would affect my credit immensely.
Product: Money transfer, virtual currency, or money service

I am filing a complaint due to lack of customer service. Unfair practices violate the Consumer Financial Protection Act. Cash App failed to protect my account. This is very unfair and dangerous. I want appropriate redress for this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I saw that my credit score dropped XXXX points on Credit Karma and the reason for the drop was this : the XXXX account balance between XX/XX/XXXX and XX/XX/XXXX dropped a total of {$1100.00} from {$6300.00} to {$5100.00}. 
I didnt know that my score would drop drastically for paying a credit card down. I am also getting a red flag for not having my auto loan paid down, I am halfway through and havent missed a payment as well as my mortgage payment which I just purchased a home and made my first payment on time. Why is that going against me?
Product: Mortgage

I had my mortgage with XXXX Mortgage ( since XXXX ). While with them, I had my mortgage recast twice at no extra cost. They have now transferred my mortgage to Nationstar Mortgage or Mr. Cooper. I learned today ( XXXX/XXXX/XXXX ) Mr. Cooper charges {$270.00} to recast in my state. I reached out to XXXX. They said that Cooper can charge whatever they want. I said that 's ridiculous. Who the heck would contract with something called Mr. Cooper for a mortgage anyway? Ca n't believe  companies can just transfer loans and then those new companies can then charge new or increase fees for same services ... scary!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my account late for payments in XX/XX/2019. I have not been late on my car loan in XX/XX/2019. There was one incident where I had a typo on the information on their website and I called them to correct it and no one was able the verify the inputted data so I reentered it. There has been times in the past where XXXX got double payments because I thought the info was incorrect and resubmitted because they stalled on debiting the payment. XXXX XXXX needs to update my credit report immediately. I am not late for XX/XX/XXXXbecause it has not been 30 days past XX/XX/XXXX which is my payment due date which is current. I paid them for XX/XX/XXXX. I want my account information updated with all the credit reporting agencies immediately. It is a huge disservice to me as their customer to have to go through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX
Product: Credit reporting or other personal consumer reports

I had been a customer for 20 years. Pottery Barn is in decline dramatically. They messed my furniture order during packaging. It took 2 months to have it corrected. I have records of talking to 15 people both Pottery Barn and PB Credit Card within a month and recorded 9 hours of phone calls. I was refused to provide Corp contact info. Many customer service agents said to me on record " our managers do not want to talk to any customers and force us to their jobs ''. They sometimes put me on hold for 1 hour but could not find any manager. At times I provide my info for call back instead. Never once got a call in 2 months. 

i had made the whole payment before I was billed, before the delivery. Then Capital One Pottery Barn Credit Card lost my whole payments twice in a month. They instructed me stop payment twice. Then a day after, they found the checks. They got my XXXX online check from my bank, also Capital One. Still, they forced me to pay late fees and interest fees. When I disputed, I had all the bank info that I had paid on time fully, XXXX, rude supervisor, said he didn't care. He was belligerent, After I complained about him and closed my account due to despicable Customer Service with a credit hanging, they reported me to Credit Bureaus the next day. Yet, I still have a {$100.00} over payment to be refunded. Within a month!!! Others only report after 60 days, I am informed. That caused my credit score to be lowered XXXX points. It went from being excellent for years to good for the first time. And they took back all the points I had earned. 

I also wanted to end this drama after 3 months, I ended up getting a replacement furniture and kept both. I ended up paying double at the end. Consider all these frauds and the terrible customer service before opening an account from Pottery Barn and buying anything. The next step is to file a fraud complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is wrongly reporting an account on my Equifax Credit File. XXXX XXXX Account ending in XXXX is a closed account and was charged off nearly 4 years ago. If the account was closed and charged off nearly 4 years ago then the balance should be " 0 '' and not {$1200.00}, nor should it be reporting monthly.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Dates XX/XX/XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX. 
Amount {$1600.00} Date of Medical Service ( s ) : XX/XX/XXXX This is a SCAM claim against me. I have no idea about this provider and had never been to this provider. The date of medical service is bogus which my location at that time wasn't in New Jersey. How come this company is trying to claim that I have unpaid debt. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Please provide any necessary documents that will prove this account or debt belongs to me.
Product: Money transfer, virtual currency, or money service

I am unable to send any Zelles from my XXXX XXXX checking account at all. Every time I attempt a transfer, I get an error message that the payment is under review for 4 hours. After the time frame passes, the payment continuously fails. This has been going on for several days. Ive called several phone supervisors and gone to the ATM to verify my contact info. The recipient has done the same actions with no results. No one at XXXX XXXX has any understanding whats going on here or how to fix it. XXXX XXXXZelle needs to solve this asap.
Product: Checking or savings account

There is a missing payroll check that the IRS is seeking-I am wondering if I cashed it because it's not on a statement. I get no response to calls and emails. My contact is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

A dispute letter regarding the illegal reporting of my late payments and credit utilization was sent to Capital one by me via certified mail on XX/XX/2024. Today is XX/XX/2024. Due to me not having received any correspondence to my letter I called customer service, specifically the dispute department to make sure the company did indeed receive my letter. Within the phone call time frame I spoke to three representatives. The first two representatives did confirm receipt of my letter. However, I continued to be transferred beyond the dispute department, reasoning being I needed to be connected to a department that could better serve my concern. Once speaking with the third representative she confirmed my identity, asked me the reason for my call which I then proceeded to ask her for confirmation of the receipt of the letter and an update on the dispute. After having me on hold for several minutes she then explains to me there is no information in her system regarding the letter I sent in. I told her the previous representative told me that the letter was received. She said there's nothing she could do and the phone call was ended. There is much confusion revolving around the receipt of my dispute letter.