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

I have a mortgage loan with NATIONSTAR/MR COOPER, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NATIONSTAR/MR COOPER and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and NATIONSTAR/MR COOPER with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Debt collection

as of  XX/XX/XXXX  I 've received a letter from Forster & Garbus LLP for a payment of {$4800.00}. On  XX/XX/XXXX  we have a settlement stipulation of {$3500.00}. The stipulation is that I pay {$50.00} every on the  XXXX  monthly. I have ten days after the  XXXX  to full fill my agreement. I have paid all my payments on time. A payment of money order on XX/XX/XXXX was received on  XX/XX/XXXX . Which is still within my time frame. Now  Forster & Gurbus is  demanding I paid the full amount of my debt in the amount of {$4800.00}. I have called to resolve the problems but they refused to work with me and demanded I pay the full amount. Closed is a copy of the stipulation and receipts of money order. My other payments are paid online and I also have receipts upon request. This is an unjust attempt to try to collect a debt from a consumer whom is trying to abide by the stipulation.  Forster & Gurbus t ook the liberty to say that they did n't receive the check by the  XXXX  and attempt to collect the full amount. This is an unfair practice and should be noted.
Product: Checking or savings account

I had a XXXX XXXX debit checking account for several years, last able to be used around 2016. As their app provides instant notifications, I noticed a fraudulent attempt to transfer money out of my account. I immediately notified XXXX who was able to stop the transfer out of my account. To prevent this from happening again, they said they had to close my account ( rather than just issue a new card/number ). My account was closed and I received a check for the balance. My problem is the bank will not open a new account and continues to tell me it is a technical problem that's being worked on. It has been two years and I would appreciate the opportunity to bank with them again as I like the service they offer ( budgeting app on phone ). In this day and age, I refuse to believe that someone can not override or reset my information and allow me to apply successfully again. I've seen others who had the same experience after reporting fraudulent transactions. I don't know anyone who hasn't experienced some sort of fraudulent/incorrect transaction at one point or another, so I would imagine eventually the bank will cease to exist as they will have closed everyone 's accounts. Somethings not right here or someone isn't disclosing their true business practice.
Product: Debt collection

I was called by an alleged Navy Federal Representative before I was XXXX XXXX XXXX XXXX  about fraudulent charges that weren't on my account when I looked. The representative asked me for my security word and to give to read back a code I logged into my bank with the link they sent me. I was XXXX  during the occurrence of these transactions I have no idea who has gotten my information however claims were made in my name that I've never made as well as transactions for XXXXXXXX XXXX XXXX XXXX XXXX XXXX This is all fraudulent and not authorized by me. I need my funds returned into my account and the previous account that was closed to be marked as due to fraud and by law not be liable for the identity theft fraud that occurred with the old accounts. I have since been walked through the steps of signing in and getting a new account. changing all passwords and usernames. I demand the previous account to be marked down as closed due to identity theft fraud. The fraudulent was already closed and new accounts opened due to this fraud. I need debt incurred by identity theft to completely deleted from system or marked as identity theft. Ive since restored access to my account and changed passwords and username. 
FCRA states my consumer report and information reported to any consumer agency will be complete and accurate.
Product: Debt collection

I am requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with their business name, and phone number as well as sign documentation that proves this account belongs to the consumer, if you can not provide me with this information in 15 days update the account removal due to identify thief and send a copy of my updated credit report.
Product: Debt collection

This is not mine, I called XXXX and notified them. I never lived at the address the account was opened. I 'm sure it was one of my sons but this debt is NOT mine
Product: Credit card or prepaid card

In XXXX of XXXX, my main source of income went bankrupt due to COVID. I was able to pretty much stay afloat until late fall XXXX and early spring XXXX, when I ran into a bit of trouble. Id applied for a second PPP loan, which was delayed by at least four months because so few loan providers participated in the second round of PPP loans. This caused the banks that *did* participate to be overwhelmed with applicants, slowing everything down. I expected my loan to arrive within a few weeks, like the first loan did, but it took 4 more months. So I experienced a hiccup in income. I contacted you, Citibank, and asked if there might be any payment arrangements that could be made due to COVID, and thankfully, Citibank very graciously worked with me. I got back on track, but then Citi closed my account without explanation. I recently looked at my credit report and was shocked to see that my account was reported as late earlier this year for two months. These are the months when I believe Id communicated a payment arrangement. At no time did any representative indicate that adverse credit reports would accompany the COVID relief that Citibank provided. This feels very fraudulent. You can't offer someone help and not tell them that the account will be simultaneously reported to the credit bureaus. If I'd known this, I would not have accepted the offer of help, especially because I was being responsible! I wrote to Citibank directly to request the same action, but got back a form letter that just said, " the information is correct ''. I believe that Ive paid my account on time for 99.9 percent of the 17 years that Ive been a Citibank customer. I even set up autopay to ensure that I always made my payments. If Ive ever had any other hiccups, its only because I changed my debit card and simply had to update the card on the autopay arrangement. I believe that the late payments should be removed. You can't offer someone help due to COVID difficulties and then penalize them for asking for help.
Product: Checking or savings account

I have an account with robinhood and recently decided to debut Funds into my account for investment, somehow someone managed to charged the entire funds on my account with XXXX  using the virtual debit card on the account and the name on the XXXX  used to debit ghis funds wasnt even minf but robinhood allowed the transaction anyway. Over 3 XXXX  was used to wipe out the entire funds. I Reached out to robinhood to try to resolve the issue. At first they opened a dispute for the claim and said they would credit me in 10 business days while they keep investigating which would take 90days, that day they decided to close my account which was fine by me I was hoping to close it anyway if they could allow such thing to happen right under their nose. 2days later they sent me an email saying they won't be paying me the disputed funds and the case would be closed, I see alot of complaints about robinhood but just got to witness it first hand.
Product: Mortgage

Was told I could be helped to refinance my property. I was never ever late but facing overwhelming debt and taxes owed by ex spouse and and SPS services left me facing worse situation. They told me to switch my bank loan to them which was perfect credit and then promised to help me.. SPS told me I had to miss a payment so I would go into foreclosure so they could continue to help me..but the reason I even applied for help was to avoid foreclosure!! I was trying to avoid foreclosure as they promised they could lower my payments. I thought it was awful they told me to miss a payment.. Even though I had never been late.. 2years of XXXX with them caused me to lose a rental property I had since 2002 for retirement income as SPS as I am close to XXXX ... I needed the property income. They made the situation worse, my renter moved out and nobody wanted to move into a property that now was possibly going into foreclosure!! and so then to try to save my credit I desperately had to try to sell the property and even when I found a CASH buyer to buy full price they waited 4 months and finally let me sell after pleading with them to please take the offer. They did but only after charging me tbousNds and thousands of dollars to them! I never got ANY help just pure XXXX!!!! The address listed is the property address that was sold. I never got the help they offered only a lost rental for income and had to pay them thousands at the end!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The account is - XXXX XXXX XXXX opened on XX/XX/year> Amount : XXXX I've reached out to this company and have not received any type of feedback.
Product: Credit card

Fairly new accounts with XXXX  to go and XXXX, paying on time, and after a few months they reduced available credit on both accounts, that again changed the usage percentage of line of credits in my credit burau, and this resulted in my XXXX XXXX dropping below the XXXX mark. I understand this is something that Synchrony Bank have done to thousands of account holders without notice to account holders
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Mortgage

My recently deceased mother had a reverse mortgage on her home when she died. The value of the home was close to the balance of the mortgage. In deciding how to deal with the disposition of the home the mortgage company offered us a {$3000.00} incentive to sign the house back to them quickly. We decided to do that but have never received the promised incentive. I 've called several times, sometimes speaking to someone, others leaving a detailed message and I 've not received any returned calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Some thief stole my prepaid card number and my PIN, and using a duplicate card withdrew {$980.00} from my account on XX/XX/2021. Withdrew {$1000.00} from the account on XX/XX/2021. And withdrew {$1000.00} from the account on XX/XX/2021. 

The card holder agreement clearly states that when fraud is reported the the account holder will not be liable for losses. Instead, Bank of America is not only refusing to compensate me for this fraud, but has frozen my account and seized all the money I have, making it impossible to pay any bills. 

I have filed a police report for the money stolen, and have asked Bank of America to review the pictures from the ATM machine of the person who stole my money. I hope they will give these pictures to my local police department and the FBI. I require help getting BofA to return my money to me.
Product: Credit reporting or other personal consumer reports

I have an account listed on my credit report from XXXX XXXX  XXXX XXXX. When I view my credit report the account is listed in collections and fails to state who the original creditor is. I had recently attempted to contact XXXX and XXXX to see who the original creditor is as its not showing that information on my credit report. The representative I spoke to with XXXX XXXX  XXXX tell me that they no longer have the account and I would need to speak with someone from a different agency to verify the information and make payment etc. They give me the phone number to XXXX  XXXX XXXX  and I contact them. After verifying the original creditor and me realizing the account is mine I make full payment to XXXX XXXX XXXX. The credit reports should have reflected accurate information. I want this account removed off my credit reports since I did pay in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently XXXX Capital One Capital One, XXXX
Product: Mortgage

I applied for a Rate and Term refinance with NewRez in early XX/XX/2021, Loan number XXXX. The company is now not responding to emails, phone calls etc. The loan is locked and I provided all documentation within an hour of request ( s ). The interest rate is not what they advertised on their mailers but I was ok locking at 3.125 %.
Product: Debt collection

Collection company : MRS BPO , LLC Creditor name : XXXX  I believe this is a phone account originating in Texas. I have never lived there in my life. Also, the account is under my birth name. I haven't used that name in more than twenty years. 

I contacted XXXX approximately 8 months ago and was told they'd remove the account. It in now on my credit reports and my score has dropped XXXX points.
Product: Debt collection

The creditor XXXX XXXX, XXXX ( " XXXX  '' ) is being represented by XXXX XXXX XXXX  who demand letter was sent out XX/XX/XXXX not XX/XX/XXXX as stated on the attached document. I agreed to payment plan where I have a notarized agreement for {$50.00} every two weeks. I spoke to representative Precious on XX/XX/XXXX and she inform me that no payment was made schedule for XX/XX/XXXX due to the payment plan not arriving in the office until XX/XX/XXXX. I ask for communication be submitted in writing ; and to cease and deceit any telephone contact with me. The new payment was schedule for XX/XX/XXXX and as of today no payment was made. As of today, I received two unknown calls from XXXX and XXXX XXXX XXXX, in regards to this account even though I ask to cease and deceit all telephone communications with this Law Firm. Today, at XXXX and XXXX XXXX XXXX a left message for me to call him and when I called to him back I stated that any communications needs be written communication. 

Now this company is in violation of the Fair Debt Collection Practices Act ( FDCPA ). I have made it clear that I want all communication to be written yet they still are violated and harassing me on federal property my place of employment. This practice is unacceptable and is in violation of statue ( 12 C.F.R. 1006.6, 1006.14 ) of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Mortgage

I filed a complaint # XXXX and it was closed. I am filing new complaint, as the last was not resolved completely. Chase Executive officer stated that the photos taken by appraiser would be for internal use only, so I proceeded, and photos were taken. In Chases response to the above referenced complaint they stated that the photos would be made public. I did not agree to have photos made public and it is a clear violation of my privacy and an ethical issue as they clearly stated the photos were for internal use and no one would see them other than the PMI mortgage team. I would like to either reopen the above complaint or start a new one. I Chase Executive team was very clear my photos would not be made public. I need to be assured that they will not, as the appraiser included personal belongings in photos. I am concerned for my privacy and safety.
Product: Credit reporting or other personal consumer reports

The credit reporting company is using deceptive practices to prevent me and other people from accessing our free credit reports. They routinely present older credit report information an will only present relevant or up to date information in a paid credit report but not the free one.

Forcing you to subscribe monthly. Also if you don't subscribe you are penalized on your credit report and it prevents you from fair access to credit
Product: Credit card or prepaid card

I never got my edd card and some one use it got the money Here name is XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Update Credit Report Charge-Off, Payment Verification, and Inquiry Removal I am writing to formally dispute inaccurate information in my credit report regarding the charge-off on my XXXX  loan and the payment history for my mortgage. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to request and receive documentation that substantiates the accuracy of information reported on my credit file. 

XXXX  Loan Charge-Off : Account Number : XXXX Charged-Off Amount : Paid in Full via Bill of Exchange. 
I am disputing this charge-off and request that you provide me with the original documentation that verifies the validity of this account, including payment history. I have attached evidence of payments made towards this account that may not be reflected in your records. 

Mortgage Account : Account Number : XXXX Current Payment Status : Sent Payoff Furthermore, I request that my payment history for this mortgage account be accurately reflected on my credit report. Consistent and timely payments have been made, and it is essential that this information is correctly displayed. 

Removal of Inquiries : I also request the removal of any inquiries related to non-holding accounts from my credit report. These inquiries are impacting my credit score negatively and should not be included. 

In accordance with my rights under the FCRA, I expect a thorough investigation into these matters, as well as an update to my credit report reflecting accurate information and the removal of the specified inquiries. Please provide confirmation of the receipt of this letter and keep me informed about the progress of my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attorney in fact for Estate of XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian XXXX XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' These financial institutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  along with the consumer reporting agencies XXXX, XXXX AND EXPERIAN DO NOT HAVE MY CONSENT to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services. I would like the account with the previously stated financial institutions removed expeditiously or i will be forced to take legal action