23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filled a dispute with XXXX asking for the debt to be verified. The collection company sunrise failed to verify the debt and updated account as accurate. I have no knowledge of the account or information. 
The name of the company sunrise credit service Address XXXX XXXX XXXX XXXX XXXX, NY XXXX The company is saying I owe {$510.00} They are reporting inaccurate information on my report.
Product: Student loan

Nelnet customer service did not provide me the information I needed to avoid extra charges on my account. I called multiple times. Spent hours on the phone to avoid capitalization on my interest and paying minimum fees on my account. They never told me about when my grace period ended and that one of my loans had administrative grace period. All they tod me was my account was current and to make the payments on time. This has costs me XXXX dollars if not more in charges and interests and they would not refund my money. Every time I call for an issue it takes 2 weeks to a month and at the end another issue rises.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting incorrect information to the insurance agency which has nearly doubles our home and Auto insurance. 
They are reporting an accident and claim from XX/XX/2018 this is not accurate. 

The XX/XX/2018 accident was another individual who was driving my daughters car. 
My daughter had her own Auto policy through XXXX XXXX XXXX that was separate from ours. 
We also have A XXXX XXXX XXXX policy, but again our daughter is not on it now nor was she on it at the time of the accident and XXXX XXXX is very aware of this because that incident is currently in litigation.
Product: Mortgage

In  XXXX , my decease husband bought a {$160000.00} home with a FHA mortgage.   In  XXXX , we began dating and married in  XXXX . Several months later, he was diagnosed with  XXXX   XXXX   XXXX .   In  XXXX , a month after I purchased my first home, my husband died and left me his home. His lender ; CitiMortgage forced me to sign a " non-quali fying Loan Assumption Agreement '' ;  even though the payments were current to prevent them from accelerating the loan. I was assured that the Agreement would not be reported or recorded to affect my credit.   In  XXXX , I filed Chapter  XXXX  to consolidate my bills and discovered  XXXX  FHA mortgages listed on my credit reports and was forced to include them in my plan.   In  XXXX , the Chapter  XXXX  was voluntarily dismissed due to failure to make payments.   In  XXXX , after CitiMortgage faxed a copy of the Agreement to me that they never executed which makes it null and void. As a result, I was denied loan modifications because " I ca n't have more than one FHA loan at a time. '' In  XXXX , I lost my government job in  XXXX  after 7 years.   In  XXXX , my first home to foreclosed so my sons and I moved into my husband 's home that was used as a rental throughout the years. I applied and was denied loan modifications.   In  XXXX , I was forced to file Chapter  XXXX .   In  XXXX , after my bankruptcy was discharged in  XXXX , I discovered that CitiMortgage has reported to the  XXXX  bureaus that I owned my husband 's mortgage since  XXXX . This was the reason I was denied credit, employment, high insurance premiums and put me at risk for federal fraud as a first-time home-buyer. I filed a Fair Credit Reporting Act complaint with the Illinois Office of the Attorney General and CitiMortgage continued to deny fault by stating they are exempt from signing an agreement for a federally backed loan. My husband 's home was foreclosed in  XXXX  and is scheduled for auction on  XXXX   XXXX ,  XXXX .
Product: Credit card or prepaid card

I filed a complaint on XX/XX/18. File number XXXX. There response was to retaliate by quadrupling my minimum payment. In addition, they charged me for a second time, a transfer fee, and yet again charged me interest on my account. At what point does, CFBP step in and fine them for this?
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

Below are the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I was loan {$8000.00} from XXXX XXXX and was paying them {$370.00} a month for more than a year, I got sick and had to have XXXX XXXX. they sold my loan to ( LVNV FUNDING LLC ) for the amount of {$8100.00}. What I had them all that time could not have been all interest payment.I like to know what happen to the money I paid XXXX.And why did they sell more than was borrowed. What happen to the Money that was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX Dear XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Mortgage

Applied for a 30-year refinance from Better Mortgage in early XXXX at a quoted rate of 2.75 %. With a XXXX score of over XXXX, I provided all documentation requested, nearly everything within 72 hours of application. After receiving the initial GFE for closing costs and escrow, I received several significantly higher GFE " updates '' with bogus property tax figures, which I had to correct. My credit card was charged {$550.00} for an appraisal which has not occurred and which I have been told is not necessary and was to be waived but I have not received a requested refund to my credit card. Was asked by Better Mortgage to provide documentation which I had already provided and was subjected to long periods ( > week ) where I did not receive replies to my emails asking for the status of my loan application. It is now two months after the initial application, the rate lock has expired, and I am being told the company is waiting for " 3rd party '' documents before submitting the loan package to underwriting. In the meantime, Better Mortgage 's advertised rate on the same loan product has fallen to 2.5 % and I have requested that due to excessive delays entirely the result of their own service failures, I want the rate of 2.5 % currently being advertised by Better Mortgage.
Product: Debt collection

My insurance company wanted me to go to XXXX they sent me to XXXX  XXXX XXXX I had a XXXX in my XXXX  area that had completely XXXX XXXX  and was XXXX my XXXX XXXX and it was covered in XXXX XXXX I was in XXXX excruciating pain constantly I tried to do what they asked went in two or three times and it always hurt and I always felt worse not long after I left I tried to tell them this and explain to them but for whatever reason they didn't seem to understand and they said that I just didn't try which is XXXX  because I wouldn't have gone at all if I wasn't going to try so I don't feel like I owe them anything because they could not and did not help me
Product: Prepaid card

I was given the American Express Gift Card with XXXX dollars on it from my father, who received it as a reward for spending a large amount with his American Express account. I tried to use the card on XXXX, but it was declined. I can see the card 's balance online and know that it is active, but the card does not work on XXXX, XXXX, XXXX, and other online vendors for " security reasons ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I traveled as I always do beginning in the Fall of XXXX to XXXX for vacation and returned in XX/XX/XXXX to the US. Prior to leaving I put an excess amount in my credit card balance to cover any recurring payments and fees while I was away. However, XXXX XXXX XXXX without my knowledge or consent decided to mail the excess balance to my residence in the form of a check while I was away. As a result, my credit card payments were not posting and I was being penalized with fees for not paying down the balance. My credit report eventually had my account as missing a payment damaging my score from a prior 100 % payment record. My credit limit also went from $ XXXX to {$500.00} from the missed payment. 

I contacted XXXX upon my return to discover what happened and had no luck getting the credit report missing payment corrected or the fees associated with the missed payments. My credit limit was also not reversed to my prior limit.
Product: Credit reporting or other personal consumer reports

I have submitted over XXXX disputes to Experian on behalf of accounts which I identified as fraudulent on my credit report. I have submitted a FTC report and dispute letter along with identification to Experian with no response. The first dispute Experian verified these accounts to be correct I then submitted another dispute requesting for documentation or inquired how did Experian verify. I have contacted the company in which was connected to XXXX XXXX  XXXX and I was notified that they had no information in regards to this item being sent to collections or can provide me any documentation in which was used to report to my credit file. I then submitted this information to Experian and my dispute has been " under investigation '' for over 45 days which legally exceeds tremendous time to verify and investigate based on the FCRA and 15 USC 1681 by law. Experian must immediately delete these accounts of XXXX XXXX XXXX and XXXX resource management from my credit report as they have failed to investigate in a timely manner. These items are effecting my ability to obtain housing, employment and stability for not only myself but my wife and children. This has caused a major hurdle in my life as I did not obtain these accounts or signed no such contract with either company. I am asking that you investigate and assist me in getting this matter handled as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  error on report The loan has been paid off
Product: Debt collection

Central Credit Services is currently misrepresenting themselves as owners of a debt where the original creditor was XXXX XXXX XXXX XXXX XXXX. I have not received any verification that they own the debt nor did I receive a letter from them providing me notice providing me with 30 days to dispute the validity of the debt. I came to the knowledge of this misinformation when I requested a copy of my XXXX credit report. In addition, the date of delinquency is inaccurate as the account began delinquent in 2011 and the original balance is inaccurate as the debt was {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from Central Credit Services indicating that they are in possession of this debt. Further, the Fair Credit Reporting Act ( FCRA ) states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act ( FDCPA ) states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which Central Credit Services is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer on XX/XX/XXXX. The recipient and their bank never received it. I have a transaction ID and confirmation number. I called the recipient bank and also verified the account and routing number of the recipient, as did the recipient. No transaction was received by the recipient bank. 
I filed a complaint and requested investigation on XX/XX/XXXX. I was told they had 10 business days to resolve this. To date, no resolution. I have escalated this. I have spoken to escalations 2 times. All they say they can do is send a message to the investigator. The money has not been returned to my account, and additional funds had to be withdrawn to pay the recipient. I don't care how or if Wells finds the money and what happened, but Wells owes me {$3200.00} in funds never received but withdrawn from my account, plus interest, and reversal of the wire fee.
Product: Mortgage

My home loan mortgage name is Capital Mortgage Services of Texas. I am paying mortgage regularly. My escrow is for paying for home insurance. My mortgage failed to pay on time. Today, called my home insurance ( security first ) and was told my policy was cancelled due to payment failure. 
I am very disappointed about my mortgage company failing to pay. 

I may be forced to look for another home insurance. HASSLE>..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX : {$300000.00}, XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit card or prepaid card

OnXX/XX/XXXX, Capital One pre-approved my husband, XXXX XXXX XXXX, for a Secured Master card for his use while travelling in XXXX. He was to be gone for XXXX weeks. Since he wanted a large credit line, on XX/XX/XXXX, we electronically sent Capital One {$340.00}. The card was never issued so XXXX XXXX left on his trip without the card, returning at the end of XXXX. 

On XX/XX/XXXX, further contact was made to the company to have the card cancelled and the monies returned. They requested proof of his address and identification which was scanned/faxed to them at that time. No further communication from them was received. 

In XXXX and again in XXXX, more lengthy phone calls ( hour long calls ) were placed and different responses about the " lost '' funds were received in each phone call. 

On XX/XX/XXXX, another call was placed to Capital One ( XXXX minutes long ) and the agent came back stating the the {$340.00} was refunded to our same XXXX XXXX XXXX account on XXXX XXXX, XXXX. 

This morning I phoned XXXX to verify this and after XXXX minutes on the phone, they verified that this has not taken place. 

PLEASE, help. We are out the funds and out of patience! 

XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I purchased an item for XXXX However I paid for this item through XXXX I was very excited for my item and made sure to include in the shipping instructions to request a signature upon arrival. 
XXXX weeks later i get a email saying my package was delivered. I never received anything. I asked all my neighbors if they received something. No one has seen a package for me. 
I contacted the XXXX They assured me they will get to the bottom of this as i was covered under buyer protection. I spoke with several people from paypal and I did everything they instructed me to do. I opened a case with XXXX because they were the ones handeling the package. XXXX looked into it and informed me that the XXXX driver left the package OUTSIDE of my apartment complex that has over XXXX people living in the area practically in the middle of a winter storm ...... 
For an item this expensive they should have given it directly to me or requested a signature like i asked in the shipping instructions! 
I told XXXX this but because the XXXX presented a tracking number, they closed the case in their favor and instructed me to still pay for the item EVEN THOUGH I DIDNT RECIEVE IT! I appealed the case and spoke with a supervisor from XXXX. He completely understood where i was coming from but didnt know how else to help me. 
A week later i receive a letter from American Coradius international LLC ( a debt collector ) about the funds XXXX  is still trying to make me pay even though i never received the item. 
I have an excellent credit score and refuse to allow XXXX  to destroy it. 
This complaint is about XXXX for not protecting their buyer and sending this to a debt collector. 
XXXX  for having the driver drop the package off in the middle of the street without obtaining my signature. 
XXXX for not making sure their customer actually received the item that they purchased and lastly American Coradius international LLC for buying this " debt '' in attempt to ruin my credit
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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, 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There is fraudulent activity on my credit report that should not be on my report. I've sent a letter to the credit bureaus on or about XX/XX/year>, certified mail, and they have not removed the items. The actions that were taken by me that was communicated were as follows by request : " Please remit copies of the original and signed documents that you have in your file as of this date, XX/XX/year>. According to the CFPB 15 USC 1681 ( b ) and Under the Fair Credit Reporting Act, 15 USC 1681 ( g ), I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of the entry concerning the accounts that you are reporting in my credit report. '' Addresses that are unmailable, telephone numbers that are non-reachable are to be removed. ALL negative and charged off items that have turned into income can not be reported on my credit report ; according to 1681 ( g ) original documents need to be validated to prove that it's an accurate file. If not proven with original documents, that violates my privacy according to the Privacy Act and all accounts are to be removed.