23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First of all XXXX is the only person at Mr. Cooper that tries to help. Everyone else through the years is so incompetent and useless. So I am 90 days late. I tried to send a mortgage payment through XXXX XXXX. It worked fine last month. This month it keeps saying error. I brought it to XXXX, they tried sending the payment XXXX XXXX that was an error. They sent it bill pay which I told them it would get rejected XXXX didnt listen and of course it got sent back. Had to get a money order from them. I tried then sending it through XXXX l it doesnt go through XXXX because it says invalid biller number. Well I am not the biller Mr. Cooper is. I am the payee, now Mr. Cooper has a code XXXX. Thats not the biller number. XXXX says call Mr. Cooper. I call Mr. Cooper they dont know what I am talking about and was told nobody really pays there mortgage through XXXX XXXX Well why do you offer it then. Now I sent a money order to Mr. Cooper but I dont even trust them now to cash it l they are such a mess and they will respond here of course blaming me but I have the receipts. So I am tired of them, You cant even pay a mortgage payment and eventually I will have to get my lawyer XXXX XXXX involved. They need to be reprimanded, they want you to call them and when you do they dont have a answer and they never say hey XXXX XXXX let me find out the answer for you l what kind of company doesnt try to get a answer to get you l this isnt rocket science l it embarrassing and a complete joke
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax & XXXX & XXXX Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by Equifax, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX   XXXX XXXX XXXX  7. XXXX XXXX XXXX XXXX. 8. XXXX XXXX   XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments. Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX
Product: Credit card or prepaid card

The custody of my HSA account transferred from XXXX to XXXX XXXX on XX/XX/2022. I had a pending {$340.00} Credit to my account at XXXX that became a permanent credit as of a letter received XX/XX/2022. On XX/XX/2022 I called XXXX XXXX to ask them to transfer the {$340.00} that was apparently " stuck '' at XXXX. I was assured that the funds would be debited from XXXX and credited to XXXX and was provided case # XXXX. The funds were debited from XXXX on XX/XX/2022 and were never credited to XXXX. On XX/XX/2022 I called XXXX and requested status but there was no record of my previous requests so I submitted a new case # XXXX and provided a copy of the letter I received from XX/XX/2022 showing the {$340.00} credit was permanent. I was told the credit would apply to my account in XXXX business days. On XX/XX/2022 and XX/XX/2022 I called both XXXX and XXXX and both at the same time on a conference call. Neither bank shows any record of the {$340.00} ever being credited to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, XXXX/Equifax and XXXX are XXXX in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.
Product: Credit reporting or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account # XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately - Legal Reference to Georgia FCRA Identity Theft Fraud Laws Dear LVNV FUNDING, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as per Georgia state regulations, particularly Sections XXXX0-1-910 and 10-1-912 of the Official Code of Georgia Annotated ( OCGA ), which outline identity theft fraud laws. 

It has come to my attention that LVNV FUNDING Account Number : XXXX has been reporting information to my credit report without obtaining my explicit consent. Under federal and Georgia state law, including the FCRA and the Georgia Identity Theft Act, such reporting activities without consumer consent are unlawful. 

I have not provided consent for LVNV FUNDING Account Number : XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, subjecting me to potential damage to my creditworthiness and demonstrating disregard for both federal and state laws. 

I demand that LVNV FUNDING Account Number : XXXX immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by relevant sections of the FCRA and Georgia identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including the Georgia Identity Theft Act. 

Obtaining consent is not a choice but a legal obligation under these specific sections of the FCRA and Georgia state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations aimed at protecting consumers from unauthorized and damaging credit reporting. 

I expect LVNV FUNDING Account Number : XXXX to rectify these violations promptly and respect my rights under federal and Georgia state laws. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance in the arbitration process concerning my credit report. 

Credit Card Issuer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : The credit card account listed above was recently removed from my credit report by mistake. This removal has negatively impacted my credit score and overall credit profile. I believe this action was in error and is not in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report must be accurate and complete. 

Consumer Protection Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccuracies on my credit report. Furthermore, Section 605B ( 15 U.S.C. 1681c-2 ) provides the right to request that the information be investigated and corrected if it is found to be inaccurate or incomplete. 

Request : I respectfully request that all three credit bureaus engage in an arbitration process with XXXX to resolve this matter. The goal is to reinstate the credit card account on my credit report if it is determined that its removal was unjustified.
Product: Debt collection

I am writing in response to your recent communication regarding the alleged debt associated with the above- reference account. I am requesting validation of this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

I dispute the validity of this best and request that you provide the following information : XXXX. Verification of the original creditors name and address XXXX. Documentation demonstrating that I am contractually obligated to pay this debt XXXX. Copies of any statements or invoice related to the debt XXXX. The original account number and the date this account was opened XXXX. The complete history of this account, including all transactions and charges Please note that until you have provided the requested documentation, I do not acknowledge any liability for this alleged debt. 

Furthermore, I request that you cease all collection efforts until this matter is resolved and the debt is verified. Any further communication from your agency regarding this debt should be in writing and sent to the address provided above. 

Please consider this letter as a formal dispute of the debt under the FDCPA. I expect a prompt response within 30 days from the date of your receipt of this letter. 

Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).
Product: Money transfer, virtual currency, or money service

On XXXX, I made a money transfer using western union for the amount of {$120.00} and a tax of {$2.00} for the transaction. This transaction was made to be delivered into the receiver bank account in XXXX ( XXXX XXXX XXXX ). The receiver 's name is XXXX XXXX XXXX. Western Union told me that the money will be paid into the receiver 's bank account by XXXX. On XXXX, the money was not still available in the receiver 's bank account as promised by western union. I called western union on XXXX, they gave a case number ( XXXX ) and asked me to wait for 24-48 hours that the money will be available. Up to this point, anytime I called any of western union 's phone numbers ( XXXX, XXXX ), they keep dropping my calls. The money was met to be used to pay rent in XXXX and the receiver is about to lose their home. Please, I need an urgent solution to resolve this problem caused by the western union. 
Also, the tracking number ( XXXX ) is XXXX gave to me by western union.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX XXXX I requested that XXXX, XXXX and XXXX correct the erroneous demographics on my credit report, namely wrong address and names. I received an email that this information had been removed but upon checking, today XX/XX/XXXX, the information still stands uncorrected as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses and names ha e no connection to me and need to be removed according to the FCRA
Product: Credit reporting or other personal consumer reports

Capital one has made several Hard inquiries when all of them should have been soft inquiry. The hard inquiries had a negative impact on my credit score/report. it made hard inquiries to major credit bureau XXXX and XXXX. In total in a six-month span did a total of XXXX hard inquiries. I have Called Several times to get this corrected and removed. They should have been soft inquiries. I would never apply or allow that many hard credit check from the same company or any Dates of the hard inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX, we ordered a phone using our rewards points from our Sony Rewards Card with XXXX XXXX. The email states we will receive another email when it ships. When I called on XXXX asking for an updated status, I was told that they had no additional information on the order, and it has not shipped. On XXXX, I was told that the system was down for maintenance ( on a Friday afternoon? ), and no new information was available. On XXXX, we were told that orders can take 4-6 weeks for delivery. I feel this is a misleading and terrible rewards program and they are not clear on the timing of delivery upfront. They also provide horrible customer service and refused to provide any information when we called.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Consumer Loan

I contacted Lexus Financial Services by phone XXXX prior to returning my leased XXXX XXXX to XXXX dealership in XXXX XXXX. I asked XXXX very specific questions, XXXX ) whether they sell mileage at a discounted price ( like XXXX or XXXX ), and XXXX ) if they would waive my last XXXX payments if I got another XXXX as advertised by dealership and Lexus FS. Both times I was told they did n't sell discounted mileage, and I DID qualify for payment waiver. So, based on what I was told, I leased my second XXXX XXXX before I returned my first XXXX. Today I made a courtesy call to LFS to let them know that I returned my vehicle on XXXX XXXX, XXXX and to give them heads up as far as final billing. Well, here is the surprise catch : I was still required to make the last XXXX payments of my lease contract because I DID NOT purchase my XXXX vehicle at the same time of returning the first XXXX. Did anyone EVER mention this to me as a condition for a waiver? NO, NOT EVEN THE XXXX TIME WHEN I CALLED. I asked them to pull my XXXX previous conversations, and they told me that I did not ask a specific question, therefore they gave a general answer to my general question. I do n't know how could I have possibly been more specific. Moreover, I still have to pay {$350.00} disposition fee even though I have a second XXXX because, once again, I did not obtain it at the same time of the return. I am about to have a XXXX XXXX. This is a cheap shot by LFS for a valued customer like me, who got XXXX XXXX vehicles based on their advertisement and promotion, who has a credit score over XXXX, who never had a late payment. I told them how could a dealership promise something they could n't provide? They told me they were not responsible for what dealerships promised or promoted. I asked them how was that possible, do n't dealerships act on behalf of LFS and they also follow LFS guidelines? They said they did not answer for dealerships. They follow strict guidelines and policies as far as last XXXX payments waiver promotion. This is a total absurd. Should n't they let you know when you call and as a specific question? Should n't they let you know at the dealership? I think they are so eager to sell a car at the dealership that they oversee explaining the details of ongoing promotions. As soon as you are out of the dealership, NO PROMOTIONS APPLY. This i unfair advertising practices. I am at a loss and so angry that I am going to seek legal advise as to how to return my new vehicle and simply NEVER deal with LFS again. This is such a low-balling that I am speechless. I wish I read all the bad reviews at XXXX here before I considered buying a XXXX. HORRIBLE, DISHONEST, MISGUIDING, AND CHEAP SHOTS ... They are very dishonest. They said they sent a certificate explaining the promotion details, but I never got it, that was why I called them XXXX in different times and received the misdirecting answer from them. They simply want me to pay for XXXX cars instead of waiving my last payments of about {$650.00} as PROMISED and ADVERTISED.
Product: Debt collection

An unauthorized credit transaction was done with my credit card as defined under XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there was a finance charge involved as defined XXXX ( XXXX ). An alleged debt has been placed on my persons, which is a violation of XXXX XXXX XXXX XXXX XXXX XXXX, because they falsely represent the status of a debt. There is no consent for any of my consumer information to be furnaced to any Bureaus or XXXX parties. Violations of the truth and lending act, FTC, and the FDCPA have caused significant damages as a consumer. The original creditor does not validate this alleged debt. I have firsthand knowledge of violations supported by documentation. Debt XXXX have imminently invaded on consumers legally protected interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with- ( XXXX  XXXX name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from TOYOTA FINANCE LEASE from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors. 
3 different open dates reported ; 3 different date of last activity dates reported ; XXXX reports XX/XX/XXXX ; but XXXX  reportsXXXX, and XXXX  reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to provide an update on my ongoing challenges with Experian regarding my request to block adverse items on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 605C, as a survivor of XXXX. Despite fulfilling all documentation requirements and multiple attempts to resolve this matter, Experian continues to delay action, causing unnecessary financial and emotional distress. 

Summary of the Issue I initially filed a formal request with Experian in XX/XX/year> to block adverse credit information resulting from XXXX. This request included all required documentation, including proof of identity, proof of address, and a valid Victim Determination Documentation : a self-attestation signed by an authorized representative. 

The request was sent via certified mail with return receipt, which confirms Experian received it on XX/XX/year>. Since then, I have made additional submissions and provided supplemental documentation on XX/XX/year>, and XX/XX/year>XXXX to address any potential gaps in the original submission. 

Experians Noncompliance Under FCR

A Section 605C, Experian is required to : Complete the review of a completed submission and block the specified items within 4 business days. Notify the consumer of any deficiencies or missing documents within 5 business days. Provide a final determination of the request within 25 business days of the original submission. 
It has now been nearly two months since my original submission, and Experian has : Failed to block the adverse items despite receiving all required documentation. 
Provided vague and insufficient feedback on their determinations. 
Delayed their response well beyond the legally mandated timelines. 
Impact of Experians Delays Experians failure to act promptly has caused significant harm, including : Emotional Distress : The prolonged delays have exacerbated my recovery as a XXXX XXXX, undermining my efforts to rebuild my life. 
Financial Harm : The adverse items remain on my credit report, affecting my ability to secure housing, loans, and employment opportunities.