23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Subject : Complaint Regarding Unethical Practices by Mr. Cooper ( NATIONSTAR ) Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health. My name is XXXX XXXX, I am writing to bring to your attention a matter of great concern regarding the mortgage company, Mr. Cooper ( formerly NATIONSTAR ). I have been a customer of Mr. Cooper for a little under a year. Recently, I have become aware of a series of underhanded practices that I believe warrant investigation. Despite having a fixed-rate mortgage, I have noticed a significant and unauthorized increase in my monthly mortgage payments. These alterations have been made without my consent, leaving me financially burdened and struggling to meet my obligations.I have made numerous attempts to contact Mr. Cooper 's customer service department to seek clarification and resolution, but unfortunately, I have received no satisfactory response. Also, previously I've had numerous problems with them and it truly stressful. 

This has led me to believe that there may be a systematic issue within the company 's practices, potentially affecting other customers as well.I am deeply troubled by this situation and believe it is imperative for the Consumer Financial Protection Bureau to investigate this matter thoroughly. It is essential that customers like myself are protected from deceptive practices and ensure that financial institutions are held accountable for their actions.I have attached relevant documentation, including copies of my original mortgage agreement, recent statements, and records of my attempts to communicate with Mr. Cooper. 

I trust that you will treat this matter with the seriousness it deserves, and I hope for a prompt and comprehensive investigation.Thank you for your attention to this critical matter. I look forward to a resolution that not only addresses my specific concerns but also ensures the protection of consumers in similar situations. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In the year of 2022 I informed discover that there has been a credit card that has been opened in my name as a fraudlent account, XX/XX/2022 the company opened investgation i did not receive any follow up regarding to the process, the beginning of this year in XX/XX/2022 i called the fraud department after being told that the investgator did not see any fraud on the account when i provided proof that the address is not the same i was staying on campus when the time of the account was open i was attending XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$5500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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. 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

The loan has not gone down since I got it. I even had the interest changed but its still high
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines XXXX XXXX  : Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # 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.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX ( XXXX ) XXXX : XX/XX/year> Dispute Department Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear Equifax Dispute Department : I am writing to dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only allowed to provide consumer reports for specific and permissible purposes. This law protects consumers from unauthorized inquiries that may negatively impact their credit scores.

I have identified an inquiry on my credit report that I do not recognize or authorize. This inquiry does not meet the permissible purposes outlined in the aforementioned law and must therefore be removed from my credit report. This unauthorized inquiry could be unjustly damaging my credit history.

I request that you investigate this unauthorized inquiry and remove it from my credit report. I have attached a copy of my credit report with the disputed inquiry highlighted for your reference.

According to 15 U.S.C. 1681b, a credit reporting agency may only share my report under the following permitted circumstances : In response to a court order.

With my prior written consent.

In connection with the extension of credit, employment, or insurance, provided that I initiated the transaction.

If the disputed inquiry was not conducted under any of these conditions, it must be removed immediately. I request a written response confirming the removal of the unauthorized inquiry.

I look forward to your prompt attention to this matter. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines the circumstances under which a credit reporting agency may provide a consumer report. The permissible purposes include : In response to a court order.

With the consumer 's written consent.

In connection with the extension of credit, employment, or insurance, provided that the consumer initiated the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I reserve the right to file a lawsuit against your company for violating my consumer rights under the FDCPA Section 807-8 and FCRA Section 623-b. If required, I will sue your company for damages.
Product: Mortgage

Selling a mortgage that is in a remic that has no filings with the sec ever I want some answers?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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 agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXate of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Checking or savings account

Citibank wont allow me to access my funds and will not assist me because of verification problems
Product: Credit reporting or other personal consumer reports

This account was paid and XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable.
Product: Student loan

I have called Navient back to back. Every time I call they hang up on me when it is time for them to transfer me to customer service. I reside in the state of Georgia. I call the XXXX XXXX ( Navient number ). They pick up, ask the reason why I call, then state they will transfer me to customer service. Every time they suppose to transfer me it hangs up. I have repeatedly call them back to back. I have phone records to prove it. I have talked to someone in XXXX, XXXX, and XXXX ( from Navient ) about why my credit score have decreased since I am on an automatic payment plan with Navient. Everyone I have talked to claimed that each month it would be updated. Each month my payment is considered missed or late on my credit score. Navient is the only thing that is messing up my credit score. I have sent letters to all 3 credit bureaus and only one sent something back ( XXXX ) which states the investigation will take 30 to 45 days.
Product: Credit card or prepaid card

Dear rep, i am submitting this complaint because my credit report has significantly bin damaged by your reporting i was never late on my account the only reason i was late is because you had the wrong address on file i have spoken to one of  your reps and they even told me that you got return mail and that the statement never got to me so i ask that you please update this account to reflect a current on time payments for XXXX and XX/XX/2018
Product: Debt collection

Received a debt collection notice on XX/XX/XXXX. I responded requesting verification of this debt by certified mail. SRM received the dispute on XX/XX/XXXX. Attached is USPS tracking XXXX. 

No response until XX/XX/XXXX. Letter is dated for XX/XX/XXXX. This is 47 days outside of the FDCPA section 809.15 USC 1692g. I clearly in my first letter requested proof of the amount that XXXX claims I owe and was sent back a contract with no verification of what exactly I owe and what for? I currently use XXXX and service with them and have no outstanding debt owed. 

I received a phone call at XXXX XXXX central time zone on XX/XX/XXXX. This call came from SRM claiming I owe a debt. I again asked for clear verification how I owe {$260.00} and the lady on the phone refused to clarify that debt claimed I owe. I called back and spoke with XXXX at XXXX XXXX  on XX/XX/XXXX and she hung up on me after I told XXXX that their response was past the 30 days under FDCPA. I also tried to explain I need better clarification of the debt. Please see evidence attached to this complaint. 

This debt is false and misleading.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting XXXX policy information that is not correct. Record XXXX XXXX XXXX XXXX Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record XXXX XXXX XXXX. LexisNexis is also reporting XXXX XXXX  XXXX XXXX XXXX that are not correct. Record XXXX XXXX XXXX and record XXXX. LexisNexis has not submitted any evidence that proves they have verified this information from a reliable source. Even after my repeated attempts at disputing they have refused to remove this information. I would like to abide expensively litigation fees by allowing LexisNexis the opportunity to remove this information on their own. LexisNexis is a data reseller and they make money from reselling information on consumers but they are governed under FCRA and I know there is no way they can verify this information because I know it does not belong to me. I am giving you 14 days to turn over full records of the evidence you used to verify this information or you will be sued in XXXX XXXX courthouse where I will ask for a minimum of {$5000.00} because of the excessive damages you are causing.
Product: Credit reporting or other personal consumer reports

I noticed on my XXXX XXXX XXXX that this company has never collected from me and accessed my credit report without my permission : XXXX Collections TRANSWORLD SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX  XXXX XXXX - XXXX Creditor : XXXX XXXX XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - Account:XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as XXXX, Equifax, XXXX these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the XXXX XXXX forgave I am a XXXX veterans please give me a call at
Product: Credit card

In accordance to the Fair Credit Reporting Act Account XXXX XXXX XXXX # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 card

Someone called Citibank and requested a replacement card... I can't seem to get anyone to confirm if this person gave my security word in order to have a secondary card sent. They sent it to Indiana where promptly went to XXXX and created XXXX fraud charges. Kind of hard for me to be in XXXX as at the time I was there charging, I was at the same time at XXXX in Arkansas. When I called to report the fraud they had me cut that card and sent a new card. I had the card approx. XXXX weeks and on XXXX Citibank sent a replacement card to an address in Texas, I asked again, did they provide the security word. This is the only credit card company that I am having issues with, they seemed to have such lax guidelines that anyone can call with a name and tell them they never received their replacement card and have one sent. When does Citibank take responsibility in how their guidelines and procedures are in place in protecting their customers. I am now on XXXX card and have changed passwords, user ids, account security codes twice now and still it is happening. I am at a loss on how to get Citibank to take better measures in protecting their credit card holders.
Product: Credit reporting or other personal consumer reports

Im frustrated to see multiple inquiries from your company on my credit report that I never approved.
Product: Payday loan, title loan, or personal loan

I made my purchase around XXXX of last year ( 2021 ) and realized at some point they were reporting that I was missing payments everytime Id make a payment. Basically, they were claiming my payments werent going through, but I could clearly see that they were. In turn, Id have to make another payment on top of that payment or Id end up owing an extra {$100.00} more in just a few days prior to having made the payment. Just a little over a month or 2 ago Im almost positive I had the payoff amount down to somewhere around $ XXXX {$400.00} but It mysteriously shot up a little past {$900.00}. I made a double payment back to back and was down to about {$700.00}, again they claimed I missed a payment, and a few days later its posted that my payoff is nearly {$900.00} again I have proof in that I have emails from the company claiming I missed payments, but bank statements showing that the transactions cleared. Even have photos proving theyve been tacking undeserved fees and interest onto my account due to these so-called failed payments
Product: Mortgage

I am sending in a Qualified Written Request to Select Portfolio Servicing as I believe they don't have legal standing to be servicing this loan. I also believe that there are " errors '' in the fees and overall accounting of this account and I am requesting verification from SPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Date : XXXX XXXX Account Number:XXXX  Action : certified letter was sent to remove all late payments ( XX/XX/, XX/XX/XXXX  ) account is paid, and now closed. 


XXXX Date : XXXX XXXX Account number:XXXX  Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX Date : XXXX XXXX Account number:XXXX  This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.
Product: Credit card

I've consistently made sure payments are on time for this account, avoiding any overdue situations. I'm puzzled by reports of late payment remarks on my accounts and seek clarification. As per 15 USC 1666b, billing errors should be rectified.
Product: Debt collection

On XX/XX/2024, I noticed two collection accounts from Credit Management Company on my credit report : one for {$900.00} and another for {$2400.00}. These debts are not mine, and I have never received any valid documentation or explanation proving that I owe these amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute a hard inquiry i never authorized. 

From : Institution Information Credit Plus  XXXX, MD XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XXXX
Product: Debt collection

I had an account with XXXX XXXX  which I had cancelled over the phone with a XXXX employee months ago. I recently noticed an email from my bank informing me that there was a potential negative on my credit report from Sequium Asset Solutions. I had never been contacted by this collections agency regarding a debt until my bank notified me of the problem. I would have paid this debt if I had known it was being sent to collections. I tried to contact the collections agency about this but only received a pdf of the bill in return. The pdf of the bill had my name spelled wrong and had an old address that I no longer live at. I just got off the phone with XXXX  and was able to find the bill which I promptly paid for. If the collections agency would have contacted me, I would have paid this bill before it had the chance to be put on my credit report. I hope to have this resolved since my credit is extremely important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been trying get the credit bureau 's to correct my information to be accurate and they have not resolved this issue and keep telling me to address with company 's I know nothing about and the company is reporting address from other peoples residence and their accounts