23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Nationstar Mortgage/ Mr Cooper has not addressed that the instrument that they have is forged. In addition to not addressing the forgery. The attempt to collect on this alleged debt causes many issues with integrity. It has been requested that Nationstar/Mr.Cooper provide a Certificate of Authenticity of the note and that the record does not have allongements in the form of blank endorsements. 

Then sends a notice that has been verified by the Department of Veteran Affiars to be a false notice. This notice was given via their internal communications system on mrcooper.com. The company has removed me from their internal communication system for making complaint with the CFPB this is seen as retaliation against a customer. 

This account is closed NYS UCC XXXX
Product: Checking or savings account

A fraudulent account was opened in my name and due to the diligence of TD bank it was stopped and nothing was stolen but I am just reporting this for the record as advised by TD bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify theft I did not authorize or give consent .The following items do not belong to me and is a result of fraud that I did not authorize. Please see attachment and delete all accounts listed
Product: Debt collection

This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE XXXX. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXX regarding the account that do not belong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; I filed disputes due to me being a victim of XXXX XXXX and identity theft with Equifax and they are refusing to take my proof of being a victim of XXXX  XXXX. This is shocking because from the dates of XX/XX/XXXX until XX/XX/XXXX the documentation that I had to submit every time I filed a dispute was considered valid and proved I was victim and now all of sudden Equifax is saying that my documentation proves nothing. They are simply refusing to remove any adverse action that resulted because of me being a victim of both XXXX. I have attached proof that they accepted the documentation last on XX/XX/XXXX and I have attached where they are now saying those documents aren't good enough. Which it is absolutely insane that I have to submit XXXX XXXX  documentation every time I file a dispute instead of like with XXXX and XXXX, this information is already on file and they already are able to see I'm victim by pulling up my information. It's sickening that this company is now putting me through this and refusing to remove items my attackers used my information to get.
Product: Debt collection

On XX/XX/XXXX a Presentment under notary seal of dispute and verify the alleged debt was sent to XXXX XXXX XXXX XXXX XXXX XXXX CFO XXXX XXXX. XX/XX/XXXX a Notary Certificate of Dishonor and Non-Response was sent. XXXX XXXX XXXX XXXX continued to send collection notices for this debt that they would not validate under the THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT. On XX/XX/XXXX XXXX XXXX XXXX XXXX accepted a permanent loan modification fully satisfying the alleged debt. Money Order # XXXX was accepted and applied to alleged debt on XX/XX/XXXX having the Contract statement written in a conspicuous place : Full Satisfaction of all Claims. The terms of the contract are clear according to XX/XX/XXXX Maryland Code COMMERCIAL LAW 3-311 & UCC 3-311. The alleged debt has not been discharged according to law. XXXX XXXX XXXX XXXX is now threatening foreclosure by way of the UNITED STATED POST OFFICE.
Product: Debt collection

I previously submitted a complaint ( XXXX ) on XX/XX/year>2024 regarding being a victim of identity theft. I submitted a FTC report showing that my identity was stolen an several accounts were opened in my name including phone, checking accounts with fraudulent addresses and identification cards. I have had someone go so far as to change my information with the CRAs and also dispute information by providing fraudulent documentation, and for that I have also filed complaints on all 3 major credit reporting agencies and the small one as well. This company has stated that it has verified this debt to be mine because of that when I have continuously submitted the information that is fraud. Just because someone uses fake identification and accounts to open up credit card accounts does not make this debt mine. I am asking that this company provide this information that they are claiming to have and used to verify this debt in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed on a vehicle with my wife on XX/XX/XXXX. After always paying on time my vehicle transmission went bad in XXXX of XXXX. After trying to set up payment arrangements to pay vehicle off I was sued and a judgement was filed. The continue to update the debt every month negatively even though its shows as a Charge-off since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you XXXX have any type of block on it thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.
Product: Credit card or prepaid card

I closed my Barclaycard credit card ending in XXXX due to fraud in XX/XX/2022. After it was closed, an XXXX vendor refunded me for a returned product. This balance ( {$730.00} ) was supposed to transfer to my new credit card, but never did. After getting the " run around '' from Barclaycard, which insisted that they never received the refund from the vendor ( even though the vendor had provided me twice with the details of the refund ), I submitted a " case. '' Someone at Barclaycard then realized that the refund went to my closed account. They then put in a request for the balance to be transferred and closed the case. But the transfer never happened. I called back again and learned that my case had been closed, but there was no additional information provided besides to call the number on the back of my credit card. I verified again with another employee that there was a credit balance on my old account. They opened a case as well ( XXXX ). This case was also closed, and nobody at the company that I can reach by phone can tell me why or how to fix this. This is now the third case that has been closed regarding this issue, and I have made over a dozen phone calls over the last month. I have talked to supervisors and people in all sorts of departments, but most of them are working off of scripts and can not help me. Many times they tell me " the system is not loading '' and tell me to call back. Other customer service reps try very hard to help me but simply can not, or they promise a resolution that never comes. Please help me. I do not know who to turn to.
Product: Credit reporting or other personal consumer reports

These accounts affect me and are reported incorrectly, delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my reports and noticed a company by the name XXXX XXXX whom I have never opened an account with reporting inaccurate information on my credit report. There is an account with the SAME account number reporting TWICE on my credit profile. The open dates are not consistent, one says I opened the account XX/XX/year>, while the other says I opened the account XX/XX/year>. Because the account being reported by Transunion and XXXX are different, this means the account has not been properly verified.
Product: Debt collection

I have disputed this account onXX/XX/19 and requested the method of verification for this account. I know that this account can not be verified because I have reached out to XXXX XXXX and they never responded. 

On XX/XX/XXXX, I sent a letter directly to XXXX XXXX XXXX XXXX account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/2019XXXX XXXX received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. You are still continuing to report this account on my credit reports and you do not have the legal documents to do so.
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -eQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Mortgage

AUTHORIZATION FORM ATTACHED Flagstar is acting with gross negligence and incompetence regarding a financial matter. Flagstar is unable to handle the amount loans they service. Like XXXX XXXX they need to be fined and have heavy oversight due to their negligence regarding loans. 

At issue is the fact that Flagstar keeps repeatedly requesting documents they already received and we have proof of receipt. To make matters worse when 3rd party requested to speak with a supervisor on XX/XX/19. The representative stated that the supervisor would ignore requests for escalation. When it requested to speak to a different supervisor 3rd party was advised there was only one supervisor for the entire loss mitigation department. This is unacceptable there needs to tally of the entire amount of loans Flagstar handles and how many loans are in loss mitigation. There are thousands. To have one supervisor for thousands of files, it's no wonder they wont take calls. This is criminally negligent and needs to regulated properly immediately.

Flagstar requested an HOA statement when there is no HOA on home nor anything provided alluding to HOA.

Flagstar requested the food expense be completed on workout package when it was already completed with the amount of XXXX. 
Flagstar requested 60 days bank statements when 90 days were provided On our previous complaint Flagstar immediately rejected due to no authorization form when they received it back on the XXXX. It's attached again here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I did not make these charges listed on my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. XXXX XXXX XXXX XXXX is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called XXXX XXXX XXXX XXXX twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.
Product: Debt collection

XX/XX/2021 amount taken XXXX dollars they say will be posted in 3 days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX account # XXXX 2. XXXX XXXX account # XXXX 3. XXXX XXXX XXXX Account # XXXX 4 XXXX XXXX Account # XXXX 5. XXXX XXXX XXXX account # XXXX Have violated my right! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 to any 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 company said I owe a loan from XXXX. I never applied for a loan or took out a loan from this company. They said they sent it to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I filed for bankruptcy on XX/XX/2012. This loan was included in my bankruptcy and was discharged. The late payments reporting are AFTER the bankruptcy was discharged. This is a complete violation of the Fair Credit Reporting Act and these late payments need to be removed immediately and this line item needs to be deleted from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in XXXX and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Since falling behind on my mortgage in XXXX when XXXX XXXX XXXX managed my loan, my loan was transferred and has since been serviced by Select Portfolio Servicing , Inc . Although I have not been late on my mortgage payments in over ten years, Select Portfolio has continued to service the mortgage. 

Each year, at the end of the year, I receive a notice stating that my 'Escrow is insufficient ', which has required an increase in my monthly loan payment for three consecutive years. Becoming suspicious about the practices, I contacted Select Portfolio to receive an explanation on my mortgage increases. I was told that on XX/XX/XXXX, my " mortgage analysis '' indicated that my taxes had increased, which increased my monthly payment as of XX/XX/XXXX. However, when I received a statement from my towns department of taxation, it noted that my taxes HAD NOT increased. Additionally, a change in my home owners insurance carrier actually resulted in a {$500.00} DECREASE. Based on these facts, on I contacted Select Portfolio Servicing, to request a copy of my 'mortgage analysis ', which I was told was going to be mailed to me. That request was made in XX/XX/XXXX. To date, I have yet to receive those documents after several phone calls. 

This final increase increased my mortgage by another {$200.00} which nearly makes it unaffordable. Despite my many requests, I can not obtain any documentation to support these consistent mortgage payment increases, neither are my concerns being addressed by the mortgage company. Additionally, I'm finding it nearly impossible to transfer my loan to another servicer. As a consumer, I am being taken advantage of and I require assistance before my loan becomes unaffordable causing me to lose my home. 

I will send this document to a number of agencies in attempts to get help.
Product: Student loan

My student loan through Wells Fargo went into default without the company providing notice. I spoke with them about a loan modification in XX/XX/2019 and the person did not mention anything about a default. Around XX/XX/2019, the loan no longer appeared on my online portal. I spoke with Wells Fargo after that, and they said they sent notices but the postal service said I never answered the door. I know that is false because I work from home. Wells Fargo refused to reverse the default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy was dismissed due to misrepresentation by an attorney. The attorney was disbarred by the NC State Bar. I had to hire another attorney to have the Bankruptcy dismissed. I have sent all the info to all three credit reporting agencies and to date they have refused to remove from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax to clear all of the inaccurate information that is hindering my file. checking all the listed items everything is invalid an needs to be removed an reported. please delete all listed information to clear my credit report asap.
Product: Checking or savings account

Banco Popular Puerto Rico, part of Popular, Inc ( the " Company '' ) charged fees for alleged insufficient funds after a representative suggested to move balances from one account to another under my name as part of a preventive measure to avoid unauthorized transactions, transactions that were also reported to the bank since they were done to a debit card and the bank has not addressed as of today as required by the Federal Reserve.

I am requesting the agency to assume jurisdiction over this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

hey, I sent a dispute letter XX/XX/2020 and as of today I still havent recieved a response and by the law if im not mistaken the bureaus have 30 days to respond
Product: Credit reporting or other personal consumer reports

There is an address and names shown in an inquiry of my credit that I am not aware of or associated with.
Product: Mortgage

I BORROWED FROM XXXX XXXX ON XX/XX/21 ( LOAN CLOSING DATE ) AND I REFINANCED ON XX/XX/21 WITH XXXX XXXX XXXX. AS A RESULT, PAYOFF WAS RECEIVED FROM XXXX AND PAID OFF THIS LOAN. HOWEVER, XXXX TRANSFER THIS LOAN TO PHH MORTGAGE SOMETIME IN XXXX. I AM RECEIVING COLLECTION /FORCLOSURE LETTERS/CALLS FROM PHH SINCE THAN . I CONTACTED XXXXPHH SEVERAL TIMES AND PROVIDED EVIDANCE THAT IT HAS BEEN PAID OFF. I CONTACTED TITLE COMPANY AS WELL TO SEE IF THEY CAN DO SOMETHING ABOUT IT BUT I AM GETTING NO WHERE. I AM PAYING MY MORTGAGE ON TIME TO XXXX SINCE XX/XX/21.
Product: Credit reporting or other personal consumer reports

XXXXIm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of account that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$11000.00}