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

TransUnion still has XXXX former or non associated phone numbers on my report!
Product: Checking or savings account

XXXX XXXX XXXX XXXX are moving slow on an XXXX XXXX XXXX XXXX when he started XX/XX/XXXX he said I must go to the bank to find out did he cash the checks. I told him that is what XXXX  employees told me and to make police report XXXX and on last XXXX  he said he still looking to find out did he cash them XXXX checks. 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke XXXX XXXX and he said This guy XXXX XXXX is lying saying XXXX XXXX has clear title and is no clear title in the file and have a loan XXXX attached to your loan for XXXX to XXXX XXXX XXXX. I am also effected by XXXX XXXX data breach by XXXX XXXX around XX/XX/XXXX. 

XXXX XXXX XXXX, nationstar  are all aware of my ownership on XX/XX/XXXX as XXXX XXXX XXXX and XXXX  all in XXXX  executive office are lying saying there were a foreclosure in XXXX is a lie. Also ref. XXXX answer to his inquiry by corrupt attorney XXXX XXXX XXXX XXXX on XX/XX/XXXX, WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX , CALLS US XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said he found XXXX XXXX under that fake SSN number XXXX and XXXX XXXX cashed yo
Product: Money transfer, virtual currency, or money service

On XX/XX/2023. I sent {$270.00} dollar using XXXX ( XXXX service ) from my Wells Fargo credit card for a gamingnservice. The service provider didnt provide the service and processed to completely blocked me. I have contacted XXXX and they said they couldnt dispute my money because it is processed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : Sent XXXX XXXX XXXX a letter requesting validation for these accounts : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Sent Equifax a letter requesting validation of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Sent XXXX a letter requesting validation for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX It has been 30 days and I have not been notified of the status of the validation.
Product: Debt collection

I check my credit report constantly. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper five validation procedure which makes this an unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 90 days past due on XXXX XXXX  - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

On XXXX XXXX, 2015 I received a charge of {$73.00} from XXXX XXXX ( Reference : XXXX ) on my credit card. While I had done business with this merchant years ago, I neither recognized nor authorized this transaction. I disputed the charge with American Express and they " resolved '' it a few weeks later saying the merchant provided supporting information. The supporting information was a XXXX copy of my online profile page - not a receipt. I called American Express and they could n't explain why they would accept that as " proof '' of this transaction ( XXXX call center ), only stating that I could reopen the investigation and that maybe it was filed incorrectly ( as " I do n't know this merchant '' rather than " I did not authorize this transaction '' ). ( Dispute Reference Number : XXXX ). 

I reopened the investigation following their instruction on XXXX XXXX, 2015 and yesterday ( XXXX XXXX, 2015 ) I received a notification with the subject " Your account has been credited '' and body " We contacted XXXX for you to give them the opportunity to provide any additional information. As of today, they have not given us the information we need to resolve the matter. Therefore, we will issue a credit for {$73.00} which will be reflected on an upcoming statement. '' ( Dispute Reference Number : XXXX ). When I went online to confirm this credit was posted ( or pending ), I did n't see it so I initiated a chat session. I asked the representative 1 ) when it would be credited and 2 ) why they accepted the initial claim as proof. They statedI called American Express and the customer service representative said she would credit me this amount, however it 's not posted to my account. More importantly, she stated that the original and subsequent claims were both denied but could n't provide any justification for them. It 's a matter of principle : this was not my charge. 

So I am writing you as a last resort as this charge was not mine, and I attempted to resolve this issue XXXX now with my credit card company. I wo n't accept a simple " here 's a credit '' rather I would like them to explain why they still feel this charge is valid. I would like the charge reversed. 

Thank you for your time and consideration on my behalf.
Product: Credit card

This company is divulging my personal information on my alleged credit reports to the public, unwarranted without producing a valid contract to do so. This derogatory information has caused me pain, suffering and hardships. They refuse to investigate into the matter. Ive already sent this company a notice, opportunity to cure, and notice of default. By law, the FCRA 15 USC when the process of dispute has begun, companies can no longer continue with collection attempts. This company is required to verify. They have no forensic audit of all the accounting. The public accounting doesnt match with the private accounting. They have illegally acquired my information using identity theft. Theyve claimed an exemption for tax purposes, so theyre engaged in tax fraud. We have no contract. They have engaged in mail fraud.
Product: Student loan

I have tried to apply for a repayment plan based on my income/ability to pay back my student loan debt. I am currently on a repayment plan option but this past month, I have been transitioning out of my part time jobs and into a new job, however the job I am transitioning to will only pay minimum wage until further notice. My current monthly payment is at {$250.00}, I called today, XX/XX/2019 to discuss my past due amount of {$200.00}, as I could only afford to pay the {$50.00} the past month due to the transition/being out of a job. I was told that the only option was to go into forbearance, but then would lose my repayment option and there was a great chance that when I reapply for the repayment option, it would be higher than the {$250.00} that it is now which I am struggling to afford as it is. I decided to not take the forbearance since it did not make sense, but have communicated that I can only commit to {$200.00} / month. I was told that there was no way they could go under {$220.00} for my monthly payments and to not resubmit a repayment plan form because they will dismiss it since I am already on one until XXXX. They also will not accept an income-based repayment plan for any loan over {$30000.00}, which mine is, so I am at a loss. They said I could pay the {$200.00} a month but after 6 months, the additional $ XXXX/month would send me into default.
Product: Checking or savings account

On XX/XX/ I sent a payment of {$2300.00} for a laptop. The laptop model was a XXXX. Instead of being shipped the laptop, I was sent an empty sealed box through USPS. When I reached out to the merchant for a refund, he blocked me. He did not give any explanations for his actions, because he purposely defrauded me and my money. 

I opened a chargeback claim with Chase bank. They gave me provisional credits for the past month, but they sent me a letter today notifying me that my provisional credits will be reversed on XX/XX/XXXX.
Product: Mortgage

I became financially oppressed due the Covid 19. My mortgage co. offered me 12 months of no payments and I accepted ; however, they didn't disclosed the balloon payment at the end of the 12 free months. when I asked for a loan modification the refused to work with me. SPS IS USING fraudulent a assignment to foreclosure on my home. I questioned the standing with a XXXX  and never an acknowledgement or any answers. the assignment is robo signed by well known robo signer. they are attempting to foreclose on my home without offering a loan modification because of the amount of equity. I offered to pay XXXX of the rears and ask if they would place the reaming past due on the back of the loan. they will not respond back to any of my letters. 

I am offering to pay XXXX now to help with my outstanding balance. the assignment is fraudulent and fraud can not be the basics of obtain a deed
Product: Money transfer, virtual currency, or money service

Quick Recap : Missing Wire Transfer - Wells Fargo said they successfully sent it but my bank, XXXX XXXX XXXX, has no record of it. ( Asked for recall to no avail ) My insurance company sent me a wire from their bank ( Well Fargo ) to my bank XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for the amount of {$750.00}. After a day or XXXX, I called XXXX XXXX XXXXXXXX because the wire isn't showing up in my account. XXXX XXXX XXXX  rep said there was no incoming wires and to verify with the sender because they can't do anything. Called the company, and verified the routing number and account number, they said their payments dept will look into. After XXXX weeks, the company said they can't do anything about it because everything was sent accordingly with XXXX XXXX  confirmation and that its issues with my bank. My bank is saying there is no record of this. After weeks of back and forth, the company called and said Wells Fargo can't recall the wire because it was successfully received by XXXX XXXX XXXX, but my bank said they still have no record of it and its not in my account. 

Routing number and Acct number has been verified multiple times
Product: Credit card or prepaid card

On the evening of XX/XX/21 I received an email from Citi that they had closed my credit card account. I've had this account with them for over 20 years and have never had a late payment. I called first thing the next morning and was told that they closed the account due to lack of activity. I explained that with the recent pandemic I didn't have the need to charge anything to the card since we weren't going out. I also asked them why they hadn't sent me a notice prior letting me know ( they seem to have no problems sending out marketing material constantly to me via email ), OR why they didn't let me know that this was a possibility when I contacted them several weeks ago in order to change my mailing address - they had no response. I asked that they re-open/reinstate my account during the call. The Citi rep then started a new application on my behalf and explained that it would be reviewed for approval. I explained that I did not want to apply for a new card, but to have my account re-opened/reinstated. She said going through this new application process was the only way. I spoke with a manager and was told the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent it a dispute various times since it does not follow the XXXX reporting regulations. When I received a response from them, I asked for information on how it was verified and did not get a response, only a letter saying it was verified again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I got a phone call from my credit card company telling me that someone I don't know who was using my credit card!! 
so my personal information was stolen I don't know who or how long long this going on? but trying to fix the problem with the Bank. I, supposed to have 60-day with the investigation.

my credit card got replaced New one with XXXX balance XXXX. no fun in my new credit card. 
what happened a week later I got a lert in my credit report it was some changing in my credit report, Synchrony has ADD all the debt from a stolen credit card do the new credit card. so they actually didn't do anything to protect me* so their request in order demanding for me to pay the total balance XXXX, they increase the payment I have extra charging for something I didn't do it was stolen from me. don't want to delete this XXXX account. and gave me a fresh start. Every institution Bank credit car has insurance to protect them selft. the insurance then self every time if something like that happened. but No '' they want me to pay the total balance I demand them to delete the old stolen credit card to -0. and give me a new fresh start I'm at XXXX XXXX XXXX. Helder-in-due-course. I can negotiate with them but they consider me no one.

I did make it copy of my private security agreement with my trademark copyright with New York filing ucc-1.
Product: Debt collection

I tried to find out about this charge with no luck. I 'm not sure why this was n't sent to my insurance company if this is for me..
Product: Mortgage

I was working with a lady by the name of XXXX XXXX XXXX and she works for a mortgage lender Nexa MORTGAGE, and her and her husband XXXX XXXX the realtor deceived me by saying that they cut back on their commission and that I would have to pay her and her husband {$1600.00} before I could go to the lawyers office Tuesday morning the date was XX/XX/21. She threatened me saying that if I didn't pay her and husband the {$1600.00} dollars for their commission, I would not be able to sign that day. Also she said she would just add her commission back on their and I would not have any funds.. Then she forced me to sending a text saying that it was a gift, before I could go sign. I have text messages from XXXX showing this. I was so scared that I went ahead and did what they had asked because I wanted my house and plus I had already gotten a XXXX  to move all my belongings. Im a first time home buyer and they new I didn't have any knowledge about buying a home. But when I got to the lawyer office and he went over my paper work, he informed me that the seller pays the commission. XXXX and her husband XXXX XXXX is a bad mortgage officer and realtor. They are very deceiving.
Product: Debt collection

LVNV COLLECTIONS IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND XXXX HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT
Product: Checking or savings account

On Date XX/XX/XXXX there was an unauthorized charge on my PNC debit card for {$100.00} made at a gas station in XXXX XXXX about 50-60 minutes from where I live. I have never been to that area in my life. On XX/XX/XXXX, there was another unauthorized charge of {$99.00} on my debit card also at a gas station in the same area as the previous transaction. My debit card was in my possession at all times and I did not lose it or let anyone borrow it. I called the bank on XX/XX/XXXX when I saw the transactions and reported the fraud. The bank never advised me to contact the merchant, as a matter of fact, I asked for the merchant address and they told me they did not have the information and told me to XXXX it, nor did they tell me that it was necessary to file a police report. They temporarily credited my account. I received a letter on XX/XX/XXXX that my claims had been denied with no explanation why and was told that the money would be withdrawn from my account. I called the PNC fraud department and was told that I should've known that I had to call the merchant and file a police report without being told to do so. They were extremely rude and unhelpful. Finally after asking several times how this bank protects my account from fraud, without an answer, my concern was sent to the escalation department. I received a phone call from them the same day along with an email. I called the phone number and left a message to the escalation manager who sent me the email. She never returned my call. I wrote her an email as well and she never replied to the email. I called the XXXX number and waited for another escalation manager to help me and got through to someone and explained what was happening. He stated that my claims were denied because other charges on my account hadn't been reported. I told him that the other charges were valid and I made them and they had nothing to do with the two fraudulent charges I didn't make. This makes no sense. 
He said he was going to submit the claims again for another investigation so that I can have my money returned to me. This was on XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating that my claims were denied. I don't understand how a proper investigation was done in two days. I also called the police and filed a police report on Friday XX/XX/XXXX reporting this fraud. I called the escalation department and advised them that I filed a police report and to call me back so I can give them the report number. No one called me back. I'd also like to add that I've had a mortgage with PNC since XXXX as well as a bank account. I've had nothing but terrible customer service and feel very unsafe in keeping this bank account open.
Product: Mortgage

WE APPLIED FOR A LOAN MODIFICATION. DITECH RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED INFORMATION, WHICH WE ACTUALLY HAD SUBMITTED. WE RESUBMITTED FOR THE 2ND TIME, AND DITECH AGAIN RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED THE REQUIRED INFORMATION, WHICH WE HAD SUBMITTED TWICE. THE PAYMENTS, WHICH WERE NOT RECORDED CORRECTLY BY DITECH, WERE " LATE '' ACCORDING TO DITECH, AND THEY SAID AFFECTED OUR CREDIT RATING. HOWEVER, THE PAYMENTS WERE INCORRECTLY AND INTENTIONALLY INCORRECTLY APPLIED BY DITECH TO DEMOLISH OUR CREDIT RATING, SEIZE OUR PROPERTY, AND REFUSE TO GIVE US A LOAN MODIFICATION. WE HAVE NEVER, REPEAT NEVER, FAILED TO MAKE A LOAN PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007, EVEN WHEN THE PROPERTY WAS AND STILL IS DISMALLY UNDERWATER. WE HAVE FAITHFULLY CONTINUED TO MAKE HIGH INTEREST PAYMENTS FOR WHICH DITECH CONTINUOUSLY ATTEMPTS TO DERAIL OUR CREDIT, OWNERSHIP OF OUR PROPERTY, AND OUR GOOD STANDING. THIS COMPANY 'S PRACTICES APPEAR TO BE FRAUDULENT AND CONTINUE TO PLAGUE US, CAUSING A VERY SIGNIFICANT DEGREE OF EMOTIONAL DISTRESS AND FINANCIAL HARDSHIP BECAUSE DITECH ENGAGES IN WHAT APPEAR TO BE NEFARIOUS PRACTICES THAT SEEM TO BE NOT CONDUCTED IN GOOD FAITH IN AN APPARENT ATTEMPT TO TAKE OUR MONEY AND HOUSE ANY WAY THEY CAN. DITECH ALLEGES OUR PAYMENTS ARE OVER 30 DAYS LATE, BUT NEVER HAVE WE SUBMITTED A PAYMENT OVER 30 DAYS LATE. NEVER. THE TRUTH IS THAT DITECH INCORRECTLY RECORDED PAYMENTS AND REFUSES TO CORRECT THE RECORDS OR ACKNOWLEDGE THE PAYMENTS. WE HAVE NEVER MISSED A PAYMENT, AND WE ARE HONEST PEOPLE DEALING WITH AN APPARENTLY DISHONEST COMPANY. WE CONTINUE TO PAY NEARLY 7 % FOR OUR MORTGAGE AT GREAT HARDSHIP TO US, AND THIS IS INEXCUSABLE WHEN INTEREST RATES HAVE BEEN AT AN ALL TIME LOW. I AM SOON TO BE XXXX YEARS OLD AND HAVE BEEN AROUND A LONG TIME AND HAVE NEVER DEALT WITH SUCH A NEFARIOUS SITUATION. FURTHER, OURS IS A XXXX XXXX-GUARANTEED LOAN, WHICH FURTHER REMOVES ANY RISK FROM DITECH. THEY DO N'T WANT TO MODIFY OR REFINANCE MY LOAN BECAUSE THEY WANT TO CONTINUE TO CHARGE US NEARLY 7 % INTEREST AND THEY MAKE CONTINUOUS OVERTURES TO TAKE AWAY OUR HOUSE, EVEN THOUGH WE HAVE NEVER MISSED A HIGH INTEREST PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007. WE WITHSTOOD THE RECESSION WHEN EVERYONE ELSE ABANDONED THEIR PROPERTY. WE CAN NOT GET ANY RELIEF FROM THIS HORRIFYING SITUATION AND BELIEVE THAT DITECH SHOULD BE SHUT DOWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The status is incorrect for the following account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation.

2. The following account is not mine XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

4. The following account is not mine XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

5. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

6. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

7. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
8. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
9. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
10. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
11. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
12. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
13. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
14. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
15. The following accounts were closed by me and should state that XXXX XXXX XXXX XXXX  Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.