23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For years, I have been attempting to resolve this dispute with the Mortgage Holder / Servicer ( s ) of my Home Loan - first on my own, then with the assistance of others - including my attorney. 

Despite our best good faith efforts, the Investor ( XXXX XXXX XXXX XXXX XXXX ) and current Servicer ( Mr. Cooper, formerly known as NationStar Mortgage ), continues to act in bad faith. 

Although both entities have been disciplined and sanctioned by governing bodies ( XXXX XXXX XXXX XXXX XXXX by the OCC, and Nationstar/Mr. Cooper by the CFPB ), I have received no remedy - and am now pleading for relief from the CFPB. 

The most recent grievous actions surround Mr. Cooper refusing to deal directly with me - or any of my appointed representatives. Contact, requests for assistance, and negotiations have been referred by Mr. Cooper to their legal Counsel. 

That attorney, XXXX XXXX XXXX ( Partner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX  | XXXX, FL XXXX D : XXXX XXXX XXXX | T : XXXX XXXX XXXX XXXX ) has not made headway in communicating my needs to her client, neither does she respond properly to my requests for assistance. 

Documents submitted - per the Servicer, must go first to XXXX XXXX. this has caused me to have to share sensitive and personal information with a third party I have not done business with, and who is free to utilize this information for whatever she chooses ( in my opinion ). 

I have filed a complaint directly with Mr. Cooper, sent requests and information through their 'secured portal ', and attempted to contact all published resources - only to be told offhandedly, that I do no qualify for assistance because of reasons which make no sense. 

I have repeatedly submitted a complete hardship assistance application to this Servicer - the Investor was apparently forced out of business for similar abuses by the OCC ( Office of the Comptroller of Currencies ), and to the opposing counsel in this case - to no avail. 

I am pleading with the CFPB for more intercession than a 'resolved-Servicer replied ' ( paraphrasing ) response. I am praying that the various available options - including settlement monies set aside for persons like myself be utilized to make me whole - and allow the parties to resume their business amicably. Please help me to save my home. Thank you, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
XXXX XXXX XXXX ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying or your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
XXXX. Creditor Name : XXXX XXXX XXXX IN XXXX. Creditor Name : XXXX XXXX XXXX Under XXXX XXXX, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

XX/XX/2021 I emailed a notice to move out due to my sons XXXX  instability. He is diagnosed with being XXXX, XXXX, XXXXXXXX XXXX XXXX. The apartment was his and I cosigned for it. I do not owe anything to XXXX XXXX, let alone close to {$4000.00}. This is a fraudulent bill that should not be on my rental credit. 
Account Number : XXXX Creditor : XXXX XXXX Principal : Charges : XXXX XXXX XXXX {$3900.00}
Product: Checking or savings account

I schedule a bill payment through my bank 's bill pay service they offer. I specified I wanted the bill paid in the amount of {$200.00} on XX/XX/2020. The item was paid and cleared my account on XX/XX/2020 a day before earlier than I wanted the payment to be completed. Due to the payment clearing a day earlier than I specified it caused an " Overdraft Protection Fee '' of {$7.00} to be charged to my account. I called and told the agent what happened. The agent refunded my fee and then proceeded to tell me that next time this happens I will be responsible for the fee. I said what do you mean I will be responsible. I specified the payment to come out on a specific date and my own bank cleared the payment a day early. How is that my fault and why should I have to pay them a fee for taking money out of my account a day early. The agent said sometimes they have to issue a check verse an electronic payment and sometimes they clear early. I don't have an issue with that, but don't charge me a fee. My bank is the one issuing the check, they know how much the check is, they know the check number and they know the date it should clear. They should have their systems programmed to catch and handle these checks differently verse putting the responsibility on the customer who has taken responsibility for specifying the date they want the item to clear in the first place. Since my bank controls both ends of the transaction there is no reason they can't control if a fee is charged or not. Why make the customer do all the work. How many people aren't checking their accounts and being charged needlessly because the bank is to cheap to program their systems to handle the transaction correctly. I am sure their is probably an attorney out there who would love to try and argue a class action suit for improper charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 card or prepaid card

The issues are with CapitalOne. 
- I requested CapitalOne to update my Social Security Number. They havent been able to do that since I first submitted the request on XXXX XXXX until today, XXXX XXXX. However, they denied my access to my information on my account for about 10 days now, so I cant see any information, cant pay for my balance either. That is after ten of hours of calls, talking to about 20 staff from CapitalOne ( credit, saving, customer service, technical support, fraud, customer protection, ID verification depts ), submitted the same documents no less than 4 times by fax, email, and upload to secured links. Every time I sent, I called them to make sure they received the docs, I would have confirmation they already received them, however, no update, and at the next call, another staff would tell me to submit all the docs again. 
- I also received an email from CapitalOne asking for my citizenship and threaten to close my account if I couldn't go to one of their branches to submit the exact same documents that i already shared ( and they already received according to confirmation from multiple staff on phone ), together with paperwork showing my citizenship, even though there is no branches of CapitalOne where I live. The email was from Customer Service and is not a No-reply one as there's no info saying " Dont reply to this email '', however, when I answered the email, theres no reply. 
- I received another email saying CapitalOne cant update my info with No explanation and tell me to call a number so I understand. I called the number, noone knew about my case, noone gave my an explanation. 
- Today is XXXX XXXX. I would have to pay for credit balance by XXXX every month to avoid penalty from CapitalOne. I asked multiple staff from Credit department on phone what if CapitalOne charged my unpaid balance because I couldnt pay as they themselves deny my access to my information, instead of answering my question, Credit card department and Technical support department have been passing me between them multiple times saying the other dept have to solve it. 
* My phone stores only 100 most recent calls, so only from XXXX XXXX as of today but I had multiple calls before that.
Product: Debt collection

I am receiving letters from Rent Recovery Solutions on a debt I do not believe I owe. XXXX of XXXX, I moved into an apartment located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Apartments. Before singing the lease to the apartment, I was unable to view the apartment due to the apartment not being ready to see until my move in date. Upon moving into the apartment, the first night I noticed there was a pest infestation. Roaches to be exact. The apartment was completely unlivable. The apartment complex was aware of the infestation of roaches and did not disclose that to me before singing the lease, nor did they allow me to walk the apartment before the signing the lease. I was told that in order to move my things in I needed to sign the lease. As stated above, the apartment was not ready to be viewed until the day I moved in. 

Once I noticed that there was a pest problem, I notified the apartment complex in which they told me that they sprayed the apartment the night before I moved in and it was normal for pests to come after a spray. However, this was not a roach hear and there, it was a infestation. Roaches were pouring from ceilings and coming out from the bottom of the cabinets and light fixtures. During this time, I notified the apartment complex again and also called the health department. I moved out the apartment XXXX  days after moving in due to unlivable conditions. 

I am not being charged for this apartment and I do not believe this is a debt that I owe. Upon request correspondents with the apartment complex and videos and pictures can be supplied along with the report to the XXXX XXXX XXXX department.
Product: Credit card or prepaid card

On XXXX I went to my local walgreens pharmacy store to pick up my prescription. As usual, I click confirm pickup and also bought medical equipment with the pharmacist. The pharmacist told me to enter my social security number which was new to me, so I did as I thought it was just a new process of picking up my medication to match my records on file. When I got back home and checked my email, I saw an email regarding a new credit card has successfully been accepted in my name. I remember I didn't sign a document for a credit application nor talk to a professional financial expert at walgreens for this store credit card. Therefore, I am submitting a complaint with CFPB as I didn't authorize for a credit card at walgreens.
Product: Credit card or prepaid card

Netspend ( XXXX XXXX XXXX XXXX XXXX ) sent me an UNSOLICITED prepaid debit card. Since I have had problems with someone attempting identity theft before this greatly concerned me. 

When I called the company they requested either the full card number or my social security number ( which I would NEVER give over the phone ). I was afraid to give them the full card number because I was afraid they would activate it. 

In very small print ( 5point or less ) they state that this was not requested by anyone but was sent because " you indicated interest in receiving offers similar to this one ''. 

Sending unsolicited credit cards is against the law. Apparently, since debit cards and prepaid debit cards were not available when the law was passed this allows companies to skirt the law. I believe this is unethical and irresponsible in the age of identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

1

5 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 or other personal consumer reports

The below hard inquiry showed up on my credit report on XX/XX/year>. I didn't apply for any credit from this company. 
FNB OMAHA Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not updated my credit report. Ive called several times to speak with Trans Union update about updating my credit report I was cross talked the representative did not listen very condescending and very uncaring about my problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting opened date and payment history in this account XXXX Mortgage wrong, since this is inaccurate reporting please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts 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. States a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  ( CLOSED ) xxxxxxxxxxxx XXXX XXXX  XXXX  ( CLOSED ) xxxxxx XXXX XXXX XXXX XXXX XXXX CLOSED ) xxxxx XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$9100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Consent and privacy laws Equifax is violating I never gave them written permission and I've been getting denials for loans I'm aware that I am a consumer and a natural living being I've been denied about all the loans that I put in and this is hurting me purse this is hurting me because of the XXXX I have an eviction coming up this is because of Equifax for giving people information that I never gave them written permission to give my information 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Product: Mortgage

The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender closed the review 3 days after receiving the package due to a missing signature on the client profit and Loss statement.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an accurate account on my credit file as i am a victim of identity theft this is ruining my life.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX, Has done a half job Dealing with my XXXX  account Which still holds a negative remark that Im late 30 days which XXXX, nor equifax nor XXXX nor XXXX has provided Late payment history proof with XXXX  account that Ive been paying as a good consumer with great payment history, equifax, XXXX and XXXX defrauded me and lowered my credit score defamed my character for these thirty day past due remarks Thats plummeting my credit score and credit worthiness Equifax, XXXX and XXXX has also never provided me notice of dispute for my last dispute put in XX/XX/year> Which is illegal as well and Im will to escalate this case for equifax, XXXX and XXXX defaming my character and credit worthiness
Product: Credit reporting or other personal consumer reports

The Executors examined the surety report and discovered several instances where unauthorized access and sharing occurred. The mentioned accounts did not receive approval to access the Executor surety report, XXXX XXXX, and no direct benefit was obtained by us. These credit accounts were unauthorized, and we do not acknowledge them. Unless you can provide a copy of the authorization by the Executor, we request the prompt deletion of all accounts listed below. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Through XXXX, Pheonix Financial placed a debt that I was never made aware of. Twice Ive had to dispute this debt due to concerns about accuracy as there was no documentation regarding the debt.
Product: Debt collection

I have no idea what this is?? 


I have asked this company and the credit bureau for VALIDATION OF THIS DEBT, yet non has been provided. 

1 I have never had an account with a company named : XXXX XXXX XXXX 2. They are reporting on XXXX date last active is XX/XX/XXXX and on XXXX  XX/XX/XXXX. 3 years difference!!!! 

3. If XX/XX/XXXX is date last active, why is there no payment History?? 


This is not my account please Remove Immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX Account # XXXX opened XX/XX/2008 is being reported as a adverse account with a past due status the account is now current and is in good standing with no balance due.
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST DEMAND [ Your Name ] Re : Cease and Desist Notice : XXXX I am filing this letter to formally demand that your company cease all communication and activities related to the alleged debt under the account number [ Account Number ], as referenced in your correspondence from XX/XX/year> to the present day. 

I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/year>, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned account. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, your company has failed to respond to these inquiries. 

The persistent and unwarranted communication from your company has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe your actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.

I hereby demand that your company cease all activities related to this debt within fifteen ( 15 ) days from receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against your firm to protect my rights. 

Please govern yourself accordingly
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't believe what I saw on my credit report.. It says late 180 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history.
Product: Credit reporting or other personal consumer reports

I was a victim of Identify Theft back in XXXX. I found out when I received bills from XXXX, XXXX XXXX XXXX, and XXXX. I filed a police report immediately. I also found out fraudster opened a fake credit account with XXXX, Equifax, and XXXX. My information was leaked through credit bureau data hack. Phone companies made it hard to reach human representative to report and close fraudulent account, even though account was easily made without proper check. Credit bureaus also make it difficult to reach a human representative. I had to fight and spent lots of time and energy. Eventually, I was able to get back my credit bureau accounts. No companies provided compensation for wasting my time and putting me under stress and hardship. XXXX sent fraudulent account to debt collectors and XXXX allows debt collectors to instantly add collection account to my credit report, even with victim statement. All 3 credit bureaus even have police report on file but still allow collection claim for fraudulent XXXX account. While I need to wait 30 days for an investigation. This fraudulent XXXX account keeps getting passed to new debt collectors and I always need dispute and waste my time. After account is removed, XXXX doesn't restore my credit score to before collection account was on my report. Leaving me to suffer and rebuild my credit score.