23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed an item 5 times and have not received an answer from the collection agency, The issue was fraud and I have submitted all necessary paperwork Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX Account- XXXX Amount : {$770.00} To whom it may concern : I have disputed the following debt on the following dates : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 I have attached copies of my previous correspondences which include the following : Fraud Affidavit Copy of Credit Report Police Report This account was set up fraudulently, and is not mine. I have not received a single reply from XXXX which is in violation of the fair credit reporting act.
Product: Debt collection

I have received 2 to 3 calls everyday for the past 6 months from a company by the name of Navient. The number is XXXX. I don't have a student debt. I am XXXX years old and never had a student loan nor have I consigned for one. When I try to call the number I receive an automated message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company and did a credit dispute on a car care card with XXXX  and the information is still on my account. they wont let me dispute again. The account i have never gave this comppany my consent or no knowledge to use my credit.
Product: Mortgage

I have been struggling to make my mortgage payments of {$2400.00} per month. I have consistently been late, however, I have consistently made them. I am currently only 45 days late XXXX XXXX & XXXX XXXX and I am prepared to make the XXXX payment, which will make me only 15 days late. I am currently paying 7.5 % interest. Suntrust is my loan servicer and XXXX Bank is apparently my loan investor. I have filed all of the mortgage modification paperwork necessary. I would consider any option which would allow me to keep my home ; however, modification of my interest rate was really what I would prefer. I got a call yesterday, from Suntrust, informing me that they would not modify my loan. The only option they gave me was a short sale they did not offer me any other options. 
Unfortunately, because I have liens ( which I am servicing ) on my property, I can not sell the home. Also, because my mortgage payment just want from interest to interest and principal, I am unable to rent my home. Finally, I can not refinance because my credit is so bad. I want to keep my home ; however, I can not continue to make payments at 7.5 % leaving me only XXXX option, which is to fall into foreclosure. If Suntrust and the investor would lower my interest to a reasonable rate I would be able to make my payments in a timely fashion and avoid the monthly penalties and fees that I am being charged ( currently approximately {$7000.00}. ) Additionally, and as a second complaint, Suntrust has repeatedly harassed me by phone. I notified them in writing to not contact me any further. After written notification not to contact me by phone, they continued to call me repeatedly. In fact, they sent someone to my home XXXX evening who left a note on my door telling me to contact Suntrust about my mortgage payment. ( see attached letter XXXX If Suntrust files for foreclosure, I have every intention to countersue them XXXX and XXXX Bank, the investor ) for violation of state and federal law related to their repeated harassment. 
I need help ... .I can make the payments however as long as the interest rate is 7.5 % I will continue to fall behind, continue to incur ridiculous penalties and fees, and will fall into foreclosure. 
I am simply asking Suntrust and the investor to lower my interest rate. I have filed all the mortgage modification paperwork and the only option they gave me as to short sell the home. No other options were given.
Product: Debt collection

I am writing to you regarding a matter of utmost importance concerning an identity theft account with company CAPITAL ONE account # XXXX date open XX/XX/XXXX CAPITAL ONE account # XXXX date open XX/XX/XXXX that has severely impacted my financial well-being. I have recently become aware of an account that is not of my doing and is the result of fraudulent activity. I am requesting your assistance in accordance with 15 U.S. Code 1681c-2 ( a ) investgate and remove from file and credit reporting companies 18 U.S. Code 8, I owe no Debt. This Company is violating my Consumer rights to privacy pursuant to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my NON-PUBLIC info pursuant to 15USC 1681 4 I HAVE ADDED A AFFIDAVIT OF FICTITIOUS ACCOUNT TO THIS COMPLANT
Product: Debt collection

I requested that this collection company validate the debt that is alleged I owe. Its been 30+ days since I requested the information and they have yet to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent dispute to capital one regarding a late payment, they have yet to remove this information. This late payment should be removed immediately.
Product: Mortgage

In XXXX I was notified the my loan was being transferred from LoanCare to XXXX effective XX/XX/XXXX. I then received a letter stating the transfer was cancelled. I then received a notice that the transfer would occur effective XX/XX/XXXX. I was out of town in XXXX but when I returned I discovered that my automatic withdrawal for XXXX was not taken, evidently because the process of transferring the loan to XXXX in XXXX that didnt occur stopped the automatic payment. I then send in the payment which arrived arrived XX/XX/XXXX, was cashed by LoanCare and miss-applied by LoanCare to some other account. Multiple calls later that money was eventually located and supposedly refunded to me although the first check never arrived and the second check is in the mail 4 months later. I also received a bill from XXXX in XXXX for XXXX and XXXX which I payed so the loan wouldnt be delinquent. 

This week I was notified that I had a delinquent account in my credit report. Evidently LoanCare reported the loan as closed XX/XX/XXXX but 120 days delinquent. LoanCare was contacted and said it was XXXX  problem. I contacted XXXX and they said they considered the loan up to date and had reported the same. Talking to the LoanCare service center again they stated this request needed to be made on line and that it was reported that way because I didnt make a XXXX payment even though LoanCare has had the money since XX/XX/XXXX. And the lack of payment was transferred to XXXX and payed there too! 

In contacting the LoanCare service center about both the refund issue and the Credit report issue they have been totally unhelpful. Ive been escalated multiple times and on multiple occasions been offered call backs from another level which didnt happened on 5 different occasions. Clearly a pattern of deception. They have used ridiculous excuses why they couldnt investigate my refund request. ( Copy of the check was a JPEG file, as was supplied by my bank, and not a PDF file so they couldnt open it. ) This excuse was used multiple times even after I sent it as a PDF. I advised them that they should hire new tech people.

Im contacting the CFPB because I have little confidence that LoanCare will fix these problems unless pushed. Also, although Im fortunate to be able to float a mortgage payment for four months, I believe that is not the case for the vast majority of Americans and the company needs to be accountable and be forced to streamline their return process so some people are not forced into financial hardship through no fault on their own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the credit bureaus to do a verification and they done so, they researched on my report and stated that is was accurate but I done a thorough researched on my report I've found improper items on my report that's I found inaccurate. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Reporting act XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

My legal name is XXXX XXXX XXXX My physical address is XXXX XXXX XXXX XXXX, ca XXXX I am Self Employed at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, ca XXXX i need the other names, addresses and employers removed from my credit report as they are no longer 100 % true and correct. thank you
Product: Debt collection

I am writing to formally dispute and demand the immediate deletion of fraudulent accounts associated with my name and personal information 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 card

Bloomingdales -- - Didnot receive an online order via mail. Matter was investigated via Bloomingdales back house team. Redeemed the that shipped to an incorrect address. Investigation revealed funds should be refunded to me ( consumer ) on or about XXXX via email. After numerous phone calls and emails to customer service I have yet to receive a refund to my bloomingdales credit card. I was informed that a credit would be issued in form a a bloomingdales gift card and not via bloomingdales credit card. I have been paying interest for 2 months on items I dont have. 
I also had to repurchase the same items because I never received them.
Product: Mortgage

Nationstar Mortgage has received numerous completed loss mitigation applications from me requesting a short sale on my property since XXXX XXXX. I have made several complaints against them via this website with regards to their handling of this process and my account. All of their responses deny any wrongdoing and they outright lie about their actions. Nationstar has failed to send me the customer, the appropriate notices required by CFPB regulations regarding my loss mitigation application ; utilized unfair and deceptive communication and actions ; failed to timely decision my numerous loss mitigation requests ; and most recently is guilty of dual tracking. I received a letter dated XXXX XXXX, XXXX from XXXX XXXX, XXXX attorneys stating Nationstar has forwarded my account to them for foreclosure while at the same time they currently have a completed loss mitigation application they have not decisioned. On XXXX XXXX, XXXX the current negotiator advised my realtor through XXXX that a decison could be expected this week. Needless to say, that did n't happen. Additionally, I received a letter dated XXXX XXXX, XXXX from Nationstar stating they received my sales contract and requested yet another Hardship Affidavit and that the short sale request review will not even begin until this is received. In responsse to my last CFPB complaint, Nationstar provided a list of documents they needed to complete my application. They were submitted as requested by the date they requested. And now this. This whole process has been unbelivable and completely unnecessary simply because Nationstar is not following the law. 

I require the following : 1. Remove my account removed from foreclosure. 
2. I want the complete timeline of the communications between Nationstar and my realtor since the initial short sale request was made in XXXX XXXX. 
3. I want all notices that Nationstar claims to have sent me throughout this process including but not limited to Acknowledgement Letters, Incomplete Information Notices, approval and/or denial letters, delay notifications, etc. 
4. Provide a decision on the current request. They have all the documents they have requested ten times over.
Product: Credit reporting or other personal consumer reports

I have contacted all companies to remove inquiries and have also frozen my credit report with filing out forms for ID theft These are some companies that have used my information without permission 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 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

Late payments were reported on my credit report for the following. 


XXXX XXXX XXXX  Currently late - 7 missed payments XXXX XXXX XXXX XXXX  XXXX 2 missed payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an ongoing victim of IdentyTheft, I have reported this to the XXXX County Sheriffs Department, the XXXX XXXX Police Department, TransUnion, XXXX and XXXX on over 3 occasions TransUnoin has REMOVED all of the FRAUDULENT ACCOUNTS except for XXXX XXXX XXXX has REMOVED all the FRAUDULENT ACCOUNTS accept TIME PAYMENT XXXX has completely REFUSED to comply with Federal Law, they continue to harm my good name ad character with FRAUDULENT AND MISLEADING INFORMATION
Product: Vehicle loan or lease

XX/XX/XXXX : Paid off lease completely After several weeks, I had received no update from XXXX so contacted them by phone. They responded by saying there were forms they needed filled out and would send them to us to fax back. 

XX/XX/XXXX : faxed the form Waited several weeks, no update from Honda so again contacted them by phone. They responded by saying that they were mistaken and that there was an additional form that needed to be notarized. They apologized for the confusion and sent us an encrypted email saying to scan and the files as a response to that email. We did so. 

XX/XX/XXXX : emailed the form to the requested encrypted email address. 

XX/XX/XXXX After waiting several weeks, still no update from XXXX so again contacted them by phone. They responded by saying that they were mistaken yet again, that the forms could not be emailed. They stated it must be mailed and that after they receive it, they would overnight the title to the closest BMV. I informed them that they were continuously giving me contradictory information and refusing to give me the title that I have paid off two months ago. They apologized profusely and said that if I mailed it, they would let me know as soon as they received it and that they would overnight the title. 

XX/XX/XXXX : Mailed requested paperwork, including original notarized document, to XXXX 

XX/XX/XXXX : Called XXXX as I had still not gotten any notification that they had received the paperwork I mailed. They told me it typically took 5-7 business days so that they would likely receive it early the next week and once again assured me that they would call to notify me as soon as it was received. 

XX/XX/XXXX : After not hearing anything all week ( now 2 weeks/10 business days after mailing requested documents on XX/XX/XXXX ) I called XXXX yet again. They informed me that the documents had arrived on XX/XX/XXXX, however they needed two signatures on the odometer reading ( something they had not indicated the previous 2 times I had faxed and emailed the exact same document. ) I asked why I had not been notified on XX/XX/XXXX that they received it as I had been told I would, I was informed that the last person I spoke to on XX/XX/XXXX " accidentally '' marked the case as closed. 

XX/XX/XXXX : In this last phone call, I was also told that XXXX did actually have the paper title after all and just needed Ohio 's approval to release it. After I indicated that this was contradictory to what I had been told before, they backtracked and " looked into it more '' and said that was correct, that XXXX  would send the original documents to Ohio and Ohio would then mail the title to us. When I questioned where I would receive the title, they read out an old apartment address from over 2 years ago which is also odd since I have only ever received correspondence from XXXX to my current, accurate address. I can't help but think that had I not proactively asked about this, it is yet another area where XXXX would have messed up and " mistakenly '' had my title sent to the wrong address, when it is not even the address I have on file with them.
Product: Credit card or prepaid card

I have been a victim of identity theft. Someone opened a credit card under my name without my authorization.
Product: Debt collection

Dates : XX/XX/19,XX/XX/19 Amount : {$2100.00} ( an estimate ) Company : Jacob Law Group After receiving the first letter notifying me of the debt, I requested a verification letter. I received copies of bills paid previously. 

I reached out and advised I want to take care of the debt but am unable to pay the entire amount. 

XXXX asked Well how much do you have? And said with the sarcasm, So you dont have anything? 
Then asked if I received a court date knowing that I didnt have a court date for anything. ( Scare Tactic ) This place and their employees are a disgrace! A disgusting place.
Product: Credit card or prepaid card

Chase Sapphire closed my credit card account with the credit limit of XXXX that I open XXXX XXXX XXXX and they closed my account XXXX XXXX XXXX for a charge off i end up moving and I never received my card and it was fraud charges that made my balance XXXX when I recently opened a XXXX XXXX for the first time to check my score and saw it, I called chase and told them about it and since I never made the charges and never received my card I requested for them to reopen the account and send me a new card they told me they was n't able to but they will start a fraud investigation and I would have to reapply again I do not want to do that and they pull my credit I should n't have to when I never made the charges and when they investigate it they will see that
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago, I sent a letter to Equifax, asking them to investigate errors on my credit report. They are required to respond within 30 days. Despite follow-up letters into this matter, I have still yet to receive my investigation results from Equifax.
Product: Debt collection

I have credit karma when I notice that there was a new collection on my acct. It was National Recovery agency. I call the agent wanted extensive information from me name date of birth ss # and a valid credit card as I would have to pay them to get a report with the information on it. They hit my credit score reducing it by XXXX point with this action costing me a loan I had applied for, my car was in a collision yesterday and it's a total so I requesting a personal loan to help out this month of XXXX until I can purchase another car but with the damage done to my credit score by this company I won't be able to get an auto loan. I talked to XXXX different agents and both requested payment in order to collect an outstanding debt. I have contacted your agency I hopes of stopping these people from doing what they are doing to someone else. I work hard for the little I have they should try and do the same
Product: Credit card or prepaid card

I booked a hotel room with air miles on a different credit card. The only reason I needed a card when I checked in was for incidentals. The only incidental charge on my account was for a meal in the dinning room. I was charged an additional {$650.00} by the hotel for no reason and my credit card company is refusing to investigate the issue. I have asked them 8 times to discuss the matter with me and they have refused to have an agent call me. I have had to reopen the case 4 times and still nobody will call me or look at my evidence which says PAID IN FULL from the reward miles booking. I had never authorized them to charge my card an extra {$650.00} after paying for the room in full. My reservation clearly says DOUBLE XXXX XXXX and I was given a double garden view and charged an extra {$650.00} without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was pulled my credit report and came across this hard inquiry that you applied to my credit report XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXX/XX/XXXX.

See an error?

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.

this is a copy from my credit report i have contacted you about this and you told me you have no information on me because i dont have an account with you and i would like this removed off my credit report because i did not give you my permission to run my credit and it was not suppose to be run/checked without my authorization
Product: Mortgage

Wells Fargo declined mediation proposal provided by their on 3party vendor. It's clear Wells Fargo has no intention of making my situation right. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act, 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  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies ( XXXX, Equifax, XXXX, XXXXXXXX XXXX  ) stated that these accounts were properly investigated and came back as verified. However, how could this be true when there are several inaccuracies showing on my consumer report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Alleged Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX XXXXXXXXXXXX XXXX  Alleged Account Number : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Commerce Bank lowered my credit limit thereby causing my credit score to drop & hurt my credit during COVID time. I have had perfect on-time payment with them, and all other lenders. No missed payment ever, no red accounts on the credit report ever, yet Commerce Bank decided its okay to hurt someone's credit in times of hardship. No other bank has done this, in fact other lenders reduced my APR to help in these hard times.
Product: Credit reporting or other personal consumer reports

As a federally consumer protected under the Fair Credit Reporting Act ( FCRA ), I am formally exercising my right to opt out of any and all authorizations, whether expressed in writing, verbally, or otherwise, as provided for by 15 USC 6802 under 16 CFR Part 313..