23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper approved XXXX XXXX for a modification on XX/XX/XXXX. There were acceptance documents due XX/XX/XXXX. XXXX made his trial modification payments in a timely manner each month. 
The acceptance documents were sent to a company not affiliated with XXXX XXXX XXXX XXXX. They repeatedly sent these papers to XXXX XXXX XXXX after we advised them repeatedly that XXXX was not represented by them. Mr. Cooper said they would send them to XXXX bankruptcy attorney and the attorney never received them. 
We finally received the acceptance documents and sent them the same day. They were processed by Mr. Cooper on XX/XX/XXXX. They advised the mod was closed but they would reopen it in 2 days because they understood they made a mistake. When we called to follow up 2 days later and they said there was nothing they could do, the mod was closed, and he could only short sell or do a deed in lieu. Further, they are unclear as to what they will do with the payments he made during his trial period.
Product: Debt collection

I have a Discover credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of  XXXX ,   XXXX   or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online this week ( week pf  XXXX   XXXX  ) to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of  Discover  and told to contact them at  XXXX , but also told they were closed at  XXXX  cst ( it was  XXXX  cst when I first called  Discover   ).   Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called  XXXX   XXXX  - a firm neither my father or I had ever heard of before. I mentioned this name and number to the Discover rep and they were n't aware of the cos or if the management of my account has been transferred from Discover to  XXXX .
Product: Credit reporting or other personal consumer reports

I dispatched a letter to the bureaus last XX/XX/XXXX requesting the removal of the listed items that are UNKNOWN to me. Today, I became aware of FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal/blocking of any such accounts or information within 4 business days. This requirement was already outlined in my previous complaint and I am reiterating it here. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXXXXXX XXXX Balance Owed {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2022, Holloway Credit Solutions reported a collection in the amount of {$780.00} on behalf of, XXXX XXXX XXXX XXXX. I have never even visited this hospital. However, I have ran into this problem before with another bill. With that being said, there is a girl with the same first & middle name and birth date as I and the hospital is selecting the wrong individual when billing. I have spoke with the collection agency as well as, the hospital and when they go to dig deeper & ask me to verify everything, they start naming off her address and other information like her marital status, her husband 's insurance plan, and the fact that this collection is from a bill owed on her daughter, XXXX. I have told them I am not married nor, do I have a daughter. Therefore, this is not my bill and should be removed from my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact TransUnion, XXXX, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX XXXX ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of The XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX Bank and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. 
The inquires that need to be removed due to no knowledge of them are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 
2 ) Refusing to updated and removed false information from credit report.

3 ) Each credit Bureau have different information from one another.

4 ) I provided them with proof and they still refused to remove false information.

5 ) They did not take their time to go over my credit report.

I have 5 violations that was done to me by TransUnion, XXXX and XXXX. Meaning I should be getting a check for {$5000.00}.
Product: Debt collection

LVNV Funding is reporting a collection account on my credit report with account number XXXX that was for a XXXX XXXX account. I have disputed this account numerous times to get proper validation for it and they have refused to send me anything. Further, they are reporting me 120 days late on XXXX  which I looked up and is a violation of their METRO-2 reporting per the CDIA guidelines. I attached a screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appeared that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX my wife ( XXXX XXXX ) and I paid a mechanic to replace an engine in my car. I paid him using PayPal in two different values. The first charge was for the engine totaling {$2500.00} for the cost of the engine plus the PayPal fees of {$75.00}. The second charge was to pay for the cost of labor which was {$1100.00} plus the additional PayPal fee of {$33.00}. I sent the money to the account the mechanic specified. This mechanic has done work for us in the past so at the time I was not concerned about sending him the agreed upon amount. However, through several attempts and ongoing issues he canceled with me. On XX/XX/XXXX ; he told me over the phone that he no longer wanted to replace my engine and that he would try and refund me later. The money I paid him was from my XXXX backpay money as I have been deemed permanently XXXX. My car has been broke down for a very long time. So I paid XXXX XXXX from XXXX XXXX XXXX the price he gave me. But now he took my XXXX money and never fixed my car. 

I contacted PayPal on XX/XX/XXXX to inform them of the situation and dispute the money I sent to him but they denied my dispute and told me to contact the bank that I used to send the money through PayPal in the first place. I have contacted XXXXXXXX XXXX on XXXX XXXX am still waiting for their answer. 

There were no services rendered. He did not honor what I paid for and instead kept the money. I never seen the apparent engine that I paid for and he never even fixed the car. He claimed that he bought the wrong engine initially and that he had to wait for a refund from that company. And now he claims that he has you wait for a refund for the supposed second engine that I have no proof of purchase from him either about. I feel like I got scammed and my money was not protected!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : : XXXX ) to support my identity theft claim. Under XXXX5 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I used a Barclay credit card check. 

On XXXX Barclays declined a check I wrote in the amount of XXXX to XXXX XXXX. The check was within the parameters of my credit limitations/ The check was intended to retire a debt on my wife 's XXXX XXXX account during a XXXX interest period. 

The result of the declined check has caused : A late payment charge of accrued interest of XXXX. 

I had difficulty understanding the customer service representative due to background noise and her heavily accented English. 

She did indicate there wasn't a reason for the declined check and I think opened case # XXXX. 

we have been damaged us considerably and I need Barclays to solve this problem ....
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has called me several times over the last week during working hours. 

When I called them back and asked who they were as the caller ID was showing up as potential scam, the man on the phone cut me off, said POTENTIAL SCAM?!, interrupted me, explained I have a debt to pay and furthermore explained I must trust him and respect him. I do not know this man, I was not given written notice about debt, I was not given notice about my right to dispute the debt. 

I asked for proof of debt ownership and they responded that they will email me but I require written proof, as per law. 

Harassed me, caused emotional turmoil and hung up on me in a later phone call.
Product: Credit reporting or other personal consumer reports

FOURSIGHT CAPITAL LLC XX/XX/2024 Every other month, it goes to XXXX balance to a XXXX balance it did this XXXX times charged off at XXXX and then put back at XXXX back-and-forth like theyre playing with my credit score. The account was charged off incorrect balance. Keep going from XXXX to XXXX they keep reporting it back-and-forth
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing is displaying a Foreclosure remark and balloon payment amount on my XXXX Credit report that are inaccurate. The property in question was foreclosed in XX/XX/XXXX, however this was not a balloon mortgage. The property was mortgaged for XXXX but all 3 bureaus ( XXXX XXXX, and XXXX ) show a balloon payment amount of {$470000.00} due on XX/XX/XXXX. I have no idea why they are reporting this balloon amount so I disputed with all 3 bureaus to no avail. The worst action taken as a response to my dispute occurred on my XXXX report. Every time I dispute the inaccuracy on XXXX, the Foreclosure date is moved to whichever month I report the dispute on. All I wanted was for this to be reported accurately. 
The foreclosure remark has been reported on my XXXX report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The foreclosure Started ( FS ) remark has been reported on my XXXX Report XXXX, XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Each time I dispute they move the marks to an incorrect place which causes my credit score to drop. The last dispute I sent had the Original Deed ( showing no balloon payment rider ), Sale deed ( showing correct Foreclosure sale date and title transfer date ) and copies of the incorrect notations on my report. Specialized loan servicing and XXXX did nothing. The inaccuracies remain.
Product: Mortgage

I received notification on my Freedom Mortgage on-line account on XX/XX/XXXX that my loan servicing was being transferred to ( JP Morgan/Chase Bank N.A . ) . The effective date of the transfer was XX/XX/XXXX. They failed to give me the required notice within 15 days. They state they sent a letter dated on XX/XX/XXXX via XXXX. Unsure if the letter went out on XX/XX/XXXX and Freedom Mortgage could not provide any proof that it did, but I did not receive it until approx. XX/XX/XXXX. I received a letter from the new loan servicer JP Morgan/Chase on approx XX/XX/XXXX that was dated on XX/XX/XXXX. In the letter it stated that they were my new loan servicer and that I would be able to make my first payment on Chase.com or their app or on-line on XX/XX/XXXX. It did not provide any additional instruction in the event I wanted to payoff the loan prior to this date. I intended to payoff the Mortgage on the XXXX of XXXX, but was unable to due that because JP Morgan/Chase said that the account wouldn't be set-up and available until XX/XX/XXXX. I was unable to login and get a pay-off amount and JP Morgan/Chase did not provide instructions in their letter on how to payoff a mortgage before the account was set-up. When the account went active on XX/XX/XXXX, I tried to access the payment link on the web page and got error message each time I tried. On XX/XX/XXXX, I tried a again and was able to get the link to work, but when I tried to link a payment account, I got error messages stating the instant linking ran into a problem and it would take XXXX days to link the account per a different procedure. This would have led to more interest accrual. I then called JP Morgan/Chase and asked for a retro-active payoff amount for the date of XX/XX/XXXX. They said they couldn't provide that and I would have to pay the current payoff amount. This means that I incurred a daily interest on the loan balance of {$17.00}. This resulted in a total interest increase of {$180.00} to the loan balance when I paid it off on XX/XX/XXXX. I believe that they did not act in good faith on providing instructions on how to payoff the loan prior to the account becoming active on-line. I asked them to refund the interest amount of {$180.00}, but they refused. I then was told that I could go into a Chase bank and payoff the mortgage in person which I did on XX/XX/XXXX. The payoff amount included the interest that I am disputing.
Product: Vehicle loan or lease

When I financing my vehicle with Navy federal, I had purchased XXXX XXXX  In the contract, it says that I cancel the XXXXXXXX XXXX at anytime. So when I traded in my vehicle, I called to cancel the XXXX XXXX, the customer service representative told me that I have only 60 days to cancel the service
Product: Checking or savings account

Dates : XXXX - {$150000.00} deposit from XXXX XXXX XXXX XXXX - Account Frozen, Email from AMEX Stating " Security Measures '' were taken with my account. 
XXXX - 1st Attempt to Un-freeze Accounts, services unavailable on the weekend XXXX - XXXX Attempt to Un-Freeze Accounts, 1st AMEX Agent " initiates 3-5 Day transfer '' after resolving security issue XXXX - 2nd Attempt to Un-Freeze Accounts, 2nd AMEX Agent " initiates '' funds transfer after resolving 2nd security issue XXXX - 3rd attempt to un-freeze accounts, 3rd AMEX Agent states no transfer initiated, and will now initiate a 3-5 Day transfer XXXX - 4th follow up on issue, account still frozen, 4th Agent states no transfer initiated, and requests biometric security verification prior to initiating transfer. States a supervisor will be made available in 2 business days.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Money was sent to a wrong recipient and was never returned on a few occasions Zelle : XX/XX/XXXX {$200.00} Zelle : XX/XX/XXXX {$500.00}
Product: Payday loan, title loan, personal loan, or advance loan

I called on XX/XX/XXXX and XX/XX/XXXX. I have been paying on this loan for 2.5 years. I have made 30 payments. The loan amount was XXXX after an XXXX processing fee no one told me about. To date I have repaid almost XXXX and the loan balance is still over {$10000.00} dollars. The XXXX dollar monthly payment is causing me to not be able to pay my current bills. I am at a point that I am seriously considering bankruptcy because I can not get help.
Product: Credit card or prepaid card

In XXXX of XXXX, two pending charges ( credit pre-authorizations ) were placed against my Goldman Sachs ( Apple ) Mastercard. The purchases were never made from XXXX XXXX ( an XXXX XXXX XXXX XXXX XXXX placed in an on-line shopping basket ) and the pending changes have remained against my GS Mastercard account ever since, thereby decreasing my available credit line ( buying power ), since XX/XX/XXXX. I have called Goldman Sachs three times since XX/XX/XXXX ( hour long calls with several GS transfers where I had to recount the problem each time ) and have been told each time that the pending changes will be removed from the account and will be cleared on their end after 90 days or " two billing cycles ''. I have communicated with Goldman Sachs after each 90 day period and re-shared that the changes have not fallen off my account and that my credit line is still reduced by > {$1000.00} because the pending charges are still associated with the Mastercard account. Today ( XX/XX/XXXX ) I again called Goldman Sachs but included a representative from XXXX XXXX accounting/sales/disputes on the call ( 3-way call which was recorded by GS ). Apple confirmed on the call that there are no pending sales/charges from me since XX/XX/XXXX which should still be pending " installment '' charges or any other " unprocessed changes '' or financial holds. Apple further confirmed that in XX/XX/XXXX, I did indeed buy only one XXXX XXXX  but the second charge for an additional XXXX  XXXX and the third charge for XXXX XXXX  were purchases that were never made/completed. I am just sick and tired of Goldman saying they are going to fix/drop these pending charges for about 1 year and nothing happens. GS could not provide me with a dispute tracking number nor any other tracking or complaint number so that this matter may be documented since XX/XX/XXXX. 
This is not an Apple issue/problem and that is why I had a 3-way call with Goldman so all parties were able to state their position. This is a GS banking and poor accounting problem for consumer credit card accounts which GS just does not seem to be able to fix when I call their support representatives on the phone. Ideally a credit card pending charge is supposed to " fall-off '' an account in a reasonable timeframe ( 48 hours?, 30-60 days? ) but Goldman Sachs can not not get this done in > 11 months ... after several phone calls alerting GS to the problem.
Product: Checking or savings account

Bank of America use to charge me fees on my credit card for no reason I paid my credit on time and every few month they stopped my account and freezes it they said my immigration states I had to go to the branch and submit all the documents in the meantime I couldnt use my money