23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company Nationstar is threatening foreclosure on my house due to what they believe my account is a payment behind. I went through a modification which trial payments begun XXXX XXXX 2015, I made my payments on the or around the XXXX of each month towards my payment due on the XXXX. XXXX of 2015 Nationstar started sending me notice and calling saying my account was past due. I have been trying since XXXX 2015 to resolve this issue but Nationstar is neglecting to try and resolve the issue. I call, I send letters, I email but still cant seem to get someone to look into this issue and resolve it. I believe they are trying to wrongfully foreclose on my house. I have spoke to XXXX attorneys and they have advised me to check out respa and to try and work out with Nationstar first, that it could simply be an error in paperwork some where along the way. So I am just at my wits end as to what more I can do to get this resolved as Nationstar is making communication with them difficult.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment. 
There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing. 
I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

After asking them not to call. They have repeatedly called 5 times in a row and at all hours XXXX XXXX XXXX
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. 

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: Money transfer, virtual currency, or money service

On XX/XX/year> I tried to remove my stocks I had about XXXX and it wouldnt let me take it off and apply to my wallet there was no customer service number to call and I lost that money.
Product: Credit card or prepaid card

On XX/XX/2021, my citi credit card was charged for {$2100.00} by a merchant named XXXX XXXX in XXXX XXXX XXXX, XXXX. I was in XXXX, XXXX. I tried to purchase a XXXX  XXXX  and was told it was rejected by Citi and used a different card to purchase a {$200.00} XXXX. I contact citi? 2 days after I received the charge and filed a fraud transaction. Citi has since denied fraud and did a disputed claim. I received a letter dated XXXX denying this claim. I received no physical evidence of this transaction. I never received any service or product from the company l. I have a witness also.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score dropped XXXX points for a card remark from jpmc card service which I never had or used. Status shows as closed by grantor with no apparent use. 
Need this remark removed from my scores from XXXX and XXXX. incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX *Please update the payment history with these accounts on file* Account Name : XXXX Account XXXX XXXX *Please update the payment history with these accounts on XXXX In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

ON EXPERIAN ON THE CLOSED ACCONT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX THEY CLAIM THAT IT WAS VERIFIED I WRITTEN A LETTER STATING ON HOW THEY VERIFIED MY ACCOUNT UNDER UNDER 15 USC 1681 I7 A CONSUMER REPORTING AGENCY GOT TO PROVE THAT A CLOSED ACCOUNT OR A COLLECTION OF HOW THEY VERIFIED IT IN 15 DAYS. AND EXPERIAN CLOSE MY ONLINE ACCOUNT LAST MONTH TO WHEN I LOGIN I COULDN'T SEE NO SCORES NO COLLECTION NOTHING AT ALL FOR A WEEK ALMOST BECAUSE I BEEN USING MY CONSUMER LAW RIGHTS.. UNDER 15 USC 1691E IF A CONSUMER USES CONSUMER LAWS TO FIX HIS CREDIT REPORT IF A CREDIT REPORTING AGENCY TAKES ADVERSE ACTION AGAINST ME AND CLOSE MY ONLINE ACCOUNT IS CLASS ACTION CASE ON WHAT PURPOSE CANT GET FUNDING FOR MY BUSINESS I GOT A LLC FINES UP TO A MIUMMIUM OF {$500000.00}. I GOT PROOF OF THE ADVERSE ACTION AGAINST ME IF IT CONTINUES WILL RESULT IN LEGAL ACTION TO THE CONSUMER REPORTING AGENCY. EXPERIAN AND XXXX GOT THESE VIOLATION OF ADVERSE ACTION AGAINST ME. AND ON EXPERIAN IT SAYS CENTER POINT ENERGY WAS PAID OFF ON THEIR WEBSITE AND I LOOK IT SHOW 'S THAT I OWE A BALANCE ON IT SO THE INFORMATION ON THE CREDIT REPORT IS FALSE FALSE CREDIT REPORTING VIOLATION FDCPA 15 USC SECTION 1692E A DEBT CONSUMER REPORTING AGENCY MAY NOT USE ANY FALSE DECEPTIVE OR MISLEADING REPRESENTATION OR MEANS IN CONNECTION WITH ANY DEBT IS A VIOLATION.
Product: Credit reporting or other personal consumer reports

I filed a XXXX  XXXX bankruptcy that discharged in XXXX of XXXX. Wells Fargo continues to report their tradeline on my credit report for a mortgage I have had no ties to since XXXX as my ex husband has been fully responsible since our divorce. I filed bankruptcy to have all financial obligations removed from my responsibility. I have repeatedly disputed this tradeline and they refuse to remove it from my credit. They are the only creditor still reporting after my bankruptcy discharged. This is affecting my ability to purchase another home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  currently notified the mortgage company because I noticed that my mortgage does n't report to the credit bureau. They informed me that since my xhusband filled for chapter  XXXX  in  XX/XX/XXXX  that is the reason. I explained to the mortgage company we have been legally divorced since  XX/XX/XXXX and that in the divorce decree my xhusband relinquished all aspects of the property and a quick deed has also been issued to the mortgage company. The mortgage company informed me that since my xhusband never reaffirmed the dept that there 's nothing they can do. I informed my xhusband of the new findings and he stated he was never notified or informed that he needed to reaffirm the dept with whom he filed chapter  XXXX  with nor did he keep any of the paperwork. Not even the mortgage company that we previously had informed us as to why I could n't receive or why they were not reporting to the credit bureau until this new mortgage company that the loan was sold to informed me as to why I never get a mortgage statement and why they do not report to the credit bureau. Now I need to have the mortgage company to report to the credit bureau since I make all the mortgage payments since  XX/XX/XXXX .
Product: Credit card or prepaid card

Good Morning, My account has been placed in collections with US Bank however, the company keeps charging my account with late fees. My account has an increased balance of over {$300.00} fees. I have spoken with three managers and they've stated that they can continue to charge late fees. Please advise on any legal advice. Hope to hear from someone soon. 

Kind Regards, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : # XXXX XXXX : XXXX Experian Legal Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Request for XXXX  Account # XXXX Dear Experian Team, I hope this letter finds you well. I am writing in response to a communication from your office suggesting that my dispute claims have been deemed frivolous concerning inaccuracies found on my credit report. I respectfully disagree and am providing detailed information below regarding the disputed item. I am requesting a thorough reinvestigation of the following matter, with a keen request for its removal in compliance with legal requirements. It's imperative for me to ensure that all information on my credit report is accurate, as I am currently in the process of securing a home loan. 

I kindly ask that you do not limit your inquiry to electronic communications with the furnisher of this information. Instead, please ensure this letter, along with any pertinent attachments, is forwarded to both the furnisher and me. This step is crucial for maintaining transparency and ensuring that all parties are adequately informed of the ongoing proceedings. 

Should the furnisher insist that the information has been accurately reported, I request comprehensive documentation to support their claim. This includes a detailed account of the verification process used to ascertain the accuracy of the reported information, along with the contact details of the furnisher involved. 

I trust that Experian adheres to stringent procedures ensuring that any public record information, especially those with potential negative impacts, is reported with the utmost accuracy and completeness. As stipulated by law, I look forward to the conclusion of this investigation within the 30-day period. Should this matter remain unresolved, I am prepared to engage legal assistance to advocate for my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including exploring all potential remedies and damages available under the Act.

It is pertinent to remember that as a Credit Reporting Agency, Experian is bound by federal consumer financial laws, encompassing the FCRA and Title X of the Dodd-Frank Act, alongside regulations prohibiting " Abusive '' Acts or Practices ( Section 1031 of the Dodd-Frank ).

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the accuracy and fairness dictated by law. 

Warm regards, XXXX XXXX
Product: Debt collection

I paid this debt down to roughly {$700.00} USD. I fell into financial hardship and the debt magically almost quadrupled. I refuse to pay the absurd amount of roughly $ XXXX. This debt has been sold twice now and neither debt collectors have been able to give me a clear explanation on the amount. Seems fraudulent to me and I work hard to provide for my family and I will be dammed if I allow this to stand.
Product: Payday loan, title loan, or personal loan

We took out a closed end line of credit to do a leak problem in our basement. The total amount of the loan was {$5000.00} which we used all of it. We made an early payment of {$100.00} before we had to make any payments and EnerbankUSA applied it to interest only and not the principal. When I called the company they said that they apply payments to interest only during the draw period. There isn't a draw period since we used the money in total and didn't take out anymore that what we needed. According to EnerbankUSA all our payments will be applied to interest until the interest is paid and then it will start to apply to principal. Nothing in my not indicates this is the case. Item XXXX XXXX Installment loan states " The outstanding loan balance when the line of credit closes will become a fixed rate installment loan.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

I am a victim of identity theft due to a XXXX  credit beech. On XX/XX/2020 I submitted required identity theft documentation to XXXX XXXX XXXX account # XXXX. They continue to report this fraudulent account .Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Checking or savings account

I received a statement in the mail that said I opened a savings account with Barclays. called and told them I did NOT open an account. They said they confirmed it was fraud and shut it down before I called. How is it possible that a bank can open a new account without running a credit report or calling me???
Product: Credit reporting or other personal consumer reports

LexisNexis XXXX XXXX continue to report incorrect information on my consumer file. They are several name variations and addresses that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been addresses that I never lived at being put on my credit report. I have been disputing this for over 4 years now. I filed a complaint with CFPB and you contacted Equifax. One of the things your website suggests is that I contact the company, or persons submitting the wrong information to get this corrected. I contacted Equifax and they gave me the run around. I contacted CFPB again, about being given the run around, and that Equifax will not give me the information, and another letter was sent to Equifax. Today I received a letter in the mail from Equifax stating that the information that I provided does not match their records. Again they want a copy of my birth certificate, pay stub with SS # on it, SS card, driver 's license, mortgage statement and utility bill. This is just a game they are playing and giving me the run around again. I am not giving them this information. They have all my information and I want the information as to who is giving them the incorrect addresses for me so I can contact them to correct it and put a stop to it. If I don't receive this information in 2 weeks I am contacting my lawyer to take this further.
Product: Debt collection

XXXX XXXX placed a collection account on my credit and sent me a bill in XX/XX/2021. 

I did not recognize this account/original creditor as it was for a retail card ( A Store Card which I actually have, but is issued by a bank other than the one this company represents. ) On XX/XX/2021 I submitted a debt validation letter, specifically the one found on the cfpb website requesting proof this debt was mine I received back from Midland Funding a copy of several " bills '' or statements showing my name but a different address. They DID NOT provide proof of ownership as I had requested in the cfpb letter - ie. a signature on an application. 

On XX/XX/2021 I wrote back to Midland Funding an offer to settle the bill to be rid of it, even though I do not recognize it. The offer was not accepted and Midland Funding has again contacted me demanding payment for the account. 

On XX/XX/2021 I wrote to Midland Funding again, explaining that they have NOT provided proof of ownership of the account and as such, I request that they stop contacting me and remove their entry from my credit reports. 

They have failed to remove the collection account or prove it was in fact my account. I request assistance in pursuing them for unfair practices.
Product: Credit reporting or other personal consumer reports

The credit bureau is reporting XXXX on my credit report inaccurately. The status is saying three different things. Inaccurate The debt has been forgiven according to the IRS a 1099C has been issued. The info listed is not right. This is not legal to report inaccurately.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with the check cashing store I do not have a contract with XXXX and XXXX XXXX, I was never provided with any contract whatsoever.
Product: Credit reporting or other personal consumer reports

The collection creditor " XXXX XXXX XXXX '' was recently removed from my credit report because I had no knowledge of it. Now it has been again wrongly added to my report but Equifax won't give me the option to dispute it. I only found out it was on my credit report because " XXXX XXXX '' notified me. I have tried to reach out to Equifax to dispute this account in the past and recently but was unsuccessful.
Product: Mortgage

Where do I start. We just recently purchased a home and used Southern Alliance for our lender. We agreed on a certain loan amount and was assured countless times we would pay nothing out of pocket. We consistently asked for a good faith estimate and it was never provided until AFTER we received our closing documents which were incorrect. 
We worked with XXXX XXXX for over a month and he assured us over and over that we would have to pay nothing out of pocket even when our house sold for less money. It is our opinion that the XXXX XXXX was incompetent in doing his job because he would never respond. When we got to closing on Thursday, the closing documents said we owed {$1400.00} out of pocket. When we called the lender, XXXX acted like he did n't know what was going on. It was super stressful since we had a deadline to get out of the house that we just sold. He adjusted the paperwork and resent it. The resent paperwork was incorrect and said we were going to owe money out of pocket again. Our realtor noticed that he made mistakes with the numbers on the paperwork as well! He had the property tax incorrect and the home warranty incorrect. We wasted all day Thursday because he could not get the paperwork right. He refused to eat the cost over his mistake and made us pay for it. We had no choice to go with it because we were backed into a corner and would have been homeless. We were supposed to move from our old house on Friday, but instead we did not close until Friday afternoon. So now, we have an extra {$1400.00} on our loan that we could not afford because of his mistake. We had to cancel movers and move them to Saturday which we had to pay premium. We had to rent a XXXX because we only had 2 days to move out of our old house instead of XXXX due to this guys mistake. We wasted a lot of mileage, gas and tolls going there on Thursday when the paperwork was incorrect. We had to take off an extra day of work that we did n't have because he made us lose a day of moving. I wish we would have went with another lender because now we are paying over budget due to this guys HUGE mistake.