23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan company  Nationstar  says that they contacted me on  XXXX    XXXX ,2017  to discuss an issue related to my loan, but I did NOT speak with them and my wife did not either. I have been trying for months and months to get them to give us an answer and they continue to ignore our requests. They 're lying now and saying they spoke with me on  XXXX   XXXX     2017  and say that I told them we were not interested in doing the lit line adjustment. This is a lie!!! I do n't know who they talked to but if anybody they did NOT talk to me. I am worried they are talking to unauthorized people about my mortgage and account. The only person they should be talking to about this is our lawyer but they refuse to talk to him. They should not be talking about my loan with other people! And should not be lying and saying that I said things when I did not!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I attempted to pull my annual credit reports from the three bereaus using XXXX. The first one in the list, experian, did not work  however the other two did. I attempted to pull experian again and I get a generic error that other people on the internet seem to receive quite frequently as well. There is no method to contact them other than via mail. The phone number I was able to track down on the internet does not allow you to speak to another person and the automated phone system does not have an option for my issue. 

This is the error I receive : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Thank you.
Product: Mortgage

On XX/XX/year> when I made my XXXX payment, I asked had they received my XX/XX/year> payment from XXXX in the amount of {$890.00}, Selene Finance responded yes. But they have not applied the payment to my account. Because, they show me due for XX/XX/year>. I called XX/XX/year> to confirm that they received the payment and when, I was told it was received on the XXXX of XX/XX/year>. I set up an online account to pay on my account in the future and I see that the account is still showing due for XX/XX/year>. So I set up a payment on XX/XX/year> so that I won't get reported 30 days past due. XX/XX/year> I check my account and the money is still there, so I check the Selene Finance online account, it is still show past due for XX/XX/year>, because they counted my XXXX payment for the XXXX payment they haven't posted. I call Selene Finance to inquire about my missing payment and I mentioned that I had set up a payment, but now it says that there are no pending payments even though I set one up on XX/XX/year>. The young lady I spoke to said she put in a request to have the payment posted, as did I believe, the last two people I spoke with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I noticed misinformation on my XXXX XXXX account in the amount of XXXX I called XXXX XXXX and they told me to it would be updated immediately as of today XXXX XXXX XXXX this issue has not been resolved I have been unable to get answers from XXXX XXXX and it is costing my credit score to have been dropped XXXX points XXXX XXXX is not cooperating to have this information updated on my credit report thank you
Product: Mortgage

Carrington mortgage incorrectly inputting my taxes for the year which caused my mortgage to go up to approximately {$4000.00}, they made a double input of my taxes which showed {$11000.00}. When we contacted them about the mistake, they informed us to wait to make the payment until it was corrected. After months of fighting to get this amount corrected they changed it but reported that we made a late payment. We have called and spoken to several supervisors to get this mistake corrected so it doesnt show it as late but nothing has been done.
Product: Credit card

I purchased items on My Macys credit card. I returned XXXX of the times. 
No credit was given, until I called. Then they gave me store credit. Which I didnot want, or request. I wanted to credit to be returned to the card as I had purchased it. Deceptive selling practices. Pretty much had I not called them. They would of charged me the extra {$64.00} ( on the items I returned ) plus interest. NOt cool. 
They offered me " a credit '' to use in the store in 7-10 days..just ridiculous. 
Then had to argue with their out of the country representaives about making it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Referencing letter sent to me by XXXX XXXX XXXX XXXX  clearly states they sold to a debt collector XXXX XXXX. According to the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX all " Transferred or Sold Debt '' must be deleted. See page 10-1 of the Credit Reporting Resource Guidelines ( Attached ) Please see attached letter form XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

father used my social security number to take out XXXX credit cards under my name
Product: Student loan

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with USDOE/GLELSI. I have always made my payments on time. How can this account show the payment status of 90 and 120 days past due when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! This account was transferred or sold to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting.
Product: Credit card or prepaid card

XX/XX/XXXX XX/XX/XXXX, purchased of four Visa Gift Cards, XXXX {$50.00} and XXXX {$100.00}, from a XXXX  store, XXXX XXXX XXXX, XXXX, CA XXXX. Presented the XXXX {$100.00} cards as a wedding gift and the XXXX {$50.00} cards to relatives as gifts. While trying to access the funds, it was discovered that all XXXX cards had been compromised and all XXXX had XXXX funds available. XX/XX/XXXX, I contacted XXXX customer service, Gift Card department who took the information and requested I send a picture of the purchase register receipt along with a picture of the front and back of the cards. I complied and was told their research team would get back to me. In the meantime, they instructed me to contact and file a claim with XXXX. We complied and paperwork was filed with XXXX. XXXX responded that it was a XXXX issue and XXXX stated it was a XXXX issue. XXXX said they would investigate, and they had 90 days to get back to us. 90 days passed and XXXX stated the claim was denied because the cards were used. I reiterated that the funds were not available and were not used by the persons who were in passion of the cards. I asked them to provide me with the ; when, where and by whom? Visa refused to provide that info information. However, Visa did send a replacement card for XXXX of the {$100.00} cards. 
I am seeking restitution for the {$200.00} outstanding funds. The XXXX {$50.00} cards and the XXXX {$100.00} card. Along with the {$22.00} transaction fee charge by XXXX. 
This purchase was made in good faith from what I thought to be XXXX reputable companies who both failed to deliver by providing unusable products. 
Conversation notes, emails, card images and register receipt is available upon request. 
Thank you in advance for you time in this matter. 
Regards, XXXX XXXX
Product: Credit reporting

I am recently divorced. My ex-wife and I both purchased automobiles through XXXX XXXX XXXX on our own individual cognizence without involving the other party. XXXX of these debts show up on my credit report. She is responsible for her own debts in the settlement order. The load she made at XXXX is the responsibilty of XXXX XXXX alone. Please tell me how to get this removed from my credit report.
Product: Credit reporting

I pulled my credit report from XXXX XXXX and Trans Union and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and Trans Union regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
Product: Credit card or prepaid card

I was in XXXX from XXXX XXXX XXXX. I had booked a room at XXXX near XXXX and when we arrived at XXXX XX/XX/XXXX due to a flight delay our room had been resold. I called around to many hotels, all of which were booked up for the night. I called XXXX XXXX around XXXX XX/XX/XXXX and requested a room for XXXX XXXX with immediate check in. I was told by a XXXX XXXX representative that this was available and I booked and paid via phone for {$270.00}. When we arrived at the XXXX at XXXX XX/XX/XXXX, I was told our booking was made for XXXX XXXX with XXXX check in time. Due to this we had to leave the XXXX and stay at XXXX by XXXX and checked in around XXXX and paid {$230.00}. Our flight left XX/XX/XXXX at XXXX thus I would never have booked a room for XXXX XXXX. The XXXX XXXX booking was made at XXXX XX/XX/XXXX. I also contacted XXXX XXXX informing them of their mistake and they did not accept responsibility for their mistake and would not issue a refund. I emailed them back stating I would reach out to my credit card company and they did not respond. I also called them and again on the phone they stated they would not refund me. 

I did not stay at the XXXX and the booking was made by XXXX XXXX NOT BY ME for the incorrect date and I did not stay at the XXXX XXXX XXXX because I was no longer in XXXX 

The above information was what I submitted to my credit card company, in addition to proof in the form of screen shots of my flight information, booking at another hotel, a letter stating all of this, the booking form from XXXX XXXX for the incorrect date, that are attached. This scam booking company - XXXX XXXX - I was fraudulently charged for ultimately got away with it. I disputed the charge with capital one 3 times, each time they put the charge back on my card stating that XXXX XXXX could prove I stayed at the XXXX, even though this is not true. I finally talked to someone from Capital One who stated they could not pull the charge back because there is no proof I booked the room over the phone. Basically because I booked via phone and the XXXX XXXX employee knowingly booked for the wrong date, and they have a no cancellation policy, they got away with fraudulently booking my room for the wrong date. Capital One asked for a recording of the conversation, as if I would have thought to record something like that. I said " Even though this company clearly scammed me on the phone you can not fight back for me? '' Capital one employees XXXX and XXXX said no, without documented proof that you didn't make the booking we can not reverse the charge. So because the fraud happened via phone, I was not protected. After I realized I was no longer protected by my credit card company against fraud, I asked to please pay off my credit card and cancel it and they said they could not do that because they were having a computer glitch. Capital One does not protect their customers against fraud!
Product: Credit card or prepaid card

The excluded workers government card was given to my family on XX/XX/XXXX by a stranger who accidentally received it in their mail. Since then weve noticed they spent all XXXX. We believe they copied the card info and used it to make purchases. We tried to contact the company but the android on the phone says the card number is invalid.
Product: Checking or savings account

XX/XX/year> I ORDERED A CASHIER CHECK FOR A PURCHASE I BEEN SAVING UP FOR THROUGH THE APP ON MY PHONE XX/XX/year> IT WAS REVERSED I COULD NOT RECEIVE THE CHECK FOR MY LONG AWAITED PURCHASE AND MY ACCOUNT WAS RESTRICTED WHICH LIMITED ME OF ANY USE INCLUDING WITHDRAWING FUNDS OR MAKING PURCHASES FOR DAILY LIVING XX/XX/year> SPOKE WITH A REPRESENTATIVE WAS TOLD NEEDED TO GO TO BANK TO VERIFY INFORMATION WITH AN STATE ID WHICH I DID I ALSO BRUNG SOCIAL SECURITY CARDS AND PROOF OF ADDRESS AND FUNDS ARE STILL BEING HELD I AM UNABLE TO CONTINUE DAILY LIVING I WILL GET KICKED OUT OF MY RESIDENCE I WILL BE HOMELESS THIS HAPPENED XXXX WEEK PRIOR TO HOLIDAYS AND EXPECTED PAYMENT OF RENT I CAN NOT BUY FOOD OR LIVING EXPENSES I HAVE A MEDICAL CONDITION THAT REQUIRES ME TO TRAVEL FOR APPOINTMENTS I AM UNABLE TO DO SO WITHOUT ACCESS TO MY FUNDS THIS IS A VIOLATION OF THE EFT ACT I AM BEING PUNISHED FOR USING MY RIGHT TO MAKE A PURCHASE AND MY LIVELY HOOD IS BEING THREATENED
Product: Debt collection

i received a late notice on XX/XX/2022 regarding an account with PNC bank that i do not have. They claim a total late amount due of {$130.00} for account number XXXX they have now created a negative impact on my credit and claim i am past due on an account i did not authorize or have anything to do with. need my credit fixed and all affiliation removed from pnc.
Product: Debt collection

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 any agreement on. Also being reported on my credit report. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices.
Product: Debt collection

United Collection Bureau, apparently calling from the telephone number XXXX, is identified on my XXXX as " Spam caller '', who calls, and never leaves a message except one, when I HAVE picked up, they don't identify their company business or who they are calling for, they ask for " XXXX '' and my name starts with a XXXX, but the only voicemail they have left was that they " have filed a case and plan to proceed ''. This tells me nothing. When I picked up their call they and asked who " XXXX '' is and who they are calling for, they began to get irate with me and hung up the phone on me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX Subject : Request for Immediate Removal of Late Payments from Credit Report Pursuant to Consumer Law To Whom It May Concern, I am writing to request the immediate removal of late payments from my credit report in accordance with consumer law, specifically 15 U.S. Code 1666b, 15 U.S.C. 1681a ( 2 ) ( I ), and 15 U.S. Code 6802. Upon reviewing my credit report, I have identified late payments that are inaccurately reported and must be removed promptly to avoid further harm to my creditworthiness. 

I request the removal of the following late payments : XXXX XXXX I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws.

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies are required to ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified immediately. 

I demand that you take immediate action to remove the inaccurate late payments from my credit report and provide me with written confirmation of their removal within 10 business days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I requested documents from GM FINANCIAL and I have not received a response to the request. The letter is as follows and will be attached. I am requesting information for Account Number XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment. It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. Respectfully, ( My name ) Not only this, but I need this data to formulate a dispute because it isn't reporting accurately or completely to any of the credit bureaus and I do not know who is misreporting the information.
Product: Money transfer, virtual currency, or money service

I have direct deposit through cash app. My paycheck was deposited this morning and the service worked fine until around lunchtime today ( XXXXXXXX  ). Now the site is completely crashed ( app also ) and there has been no communication from cash app to its customers. There are potentially billions of dollars that they have charge of and they wont even answer the phone. Its all I have and Im really worried.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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  Balance : {$2100.00} XXXX XXXX XXXX  XXXX XXXX : {$150.00} XXXX XXXX XXXX  Balance : {$160.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX  XXXX Balance : {$150.00}
Product: Credit reporting or other personal consumer reports

LexisNexis Risk
Solutions Consumer Center
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX: Urgent CFPB Complaint Filed

RE: INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE!

Dear LexisNexis,

I have recently looked at a copy of my credit report and see that you still provide inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why YOU is still reporting this information to the credit bureaus. I have already spoken with the courthouses in which these bankruptcies were filed. I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX  to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress.

Bankruptcy - XXXX  
The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission (FTC) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer: 15 USC 1681 Section 602 A: Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2: Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c(a)(5): States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s2(A)(1): Prohibits furnishing information known to be inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 1. ) Account name : XXXX XXXX Account # : XXXX. XXXX. ) Account name : XXXX XXXX XXXX XXXX Account # : XXXX. XXXX. ) XXXX XXXX XXXX Account # : XXXX XXXX. ) Account name : XXXX Dept of Ed XXXX Account # : XXXX XXXX  XXXX. ) Account Name : XXXX XXXX XXXX Account # : XXXX XXXX. ) Account Name : XXXX XXXX XXXX. Account # : XXXX XXXX. ) I XXXX XXXX XXXX Account # : XXXX. XXXX. ) XXXX XXXX XXXX Account : XXXX. XXXX. ) Account Name : XXXX XXXX XXXX XXXX. ) Account Name : XXXX XXXX. XXXX. ) XXXX. XXXX XXXX Account # : XXXX has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-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: Debt collection

My ex-boy friend purchased furniture at Ashely 's XX/XX/2016 I have been receiving calls from a debit collector and found the debit is in my name. I am working with XXXX XXXX at XXXX XXXX XXXX on a dispute. He gave me this email address www.ftc.gov and asked that I report it with the Federal Trade Commission then I was directed to this web site cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below are the list of accounts need to fix : XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX  XXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX XXXX Owed : {$7100.00} ; XXXX XXXXXXXX Balance XXXX : {$3000.00} ; XXXX XXXXXXXX Balance Owed XXXX {$1700.00} ; XXXX XXXXXXXX Balance Owed : {$3400.00}.