23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

CFPB- We established our mortgage on XX/XX/XXXX with Homepoint Mortgage. Homepoint was apparently acquired by Nationstar LLC ( Mr. Cooper ) in XXXX, and payments started autopaying to Nationstar starting XX/XX/XXXX, with no notice. In XX/XX/XXXX, the autopay to Nationstar increased by XXXX  % without notice. All payment since origination of mortgage have been autopaid on time. 

We no longer have access to our loan information on-line. We have tried to contact Nationstar at XXXX different phone numbers, but their phone tree system blocks us from talking to anyone. It asks for either a loan number or SSN, which are all " not found '', and then continues to request a loan number or SSN, which are repeatedly " not found ''. 

We noted that they were the victim of a hack in XXXX of their customer information. We fear we are victims of fraud, by either Nationstar LLC ( Mr. Cooper ), or some other entity. Since we can not contact Nationstar LLC ( Mr. Cooper ), we are filing this complaint, and are considering sending a certified letter to them with the complaint number associated with this complaint. 

We do not want to continue to pay Nationstar LLC ( Mr. Cooper ) until they can provide us access to our loan information and confirm their autopay increase. 

We did not choose Nationstar LLC ( Mr. Cooper ) as our lender and feel trapped by a scheme that is likely illegal and most certainly unscrupulous. 

- XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MO XXXX
Product: Debt collection

This is medical debt that was covered by insurance during XXXX XXXX. Rash Curtis is trying to collect on a medical debt that doesnt exist even reported to XXXX and XXXX to negatively affect me credit wise.
Product: Mortgage

Mr. Cooper transferred our mortgage to XXXX mortgage effective XX/XX/XXXX but never notified XXXX. When we  requested XXXX  payoff quotes in XX/XX/XXXX they were made aware we were selling the XXXX  and the XXXX  closing dates as they kept changing. We received a payoff quote on XX/XX/XXXX that was good through XX/XX/XXXX. Again, never told XXXX  the loan was transferring. We sell and close on XX/XX/XXXX. The XXXX  company added XXXX more days interest to the XXXX  amount. Due to a security breach at Mr. Cooper the XXXX  company was not able to wire the money at XXXX. They were told to overnight a XXXX. This XXXX  was signed for at Mr. Cooper on XX/XX/XXXX as received. Again, still never told XXXX  the XXXX  was transferred. I receive an XXXX  from XXXX telling XXXX  they are the new XXXX  XXXX. I XXXX  them back telling them this XXXX  was paid off with Mr. Cooper and we do not owe them anything for the XXXX  XXXX  sold. They do not respond until XX/XX/XXXX with an automated XXXX  they received my before mentioned XXXX. Since then multiple calls have been made between XXXX  and XXXX, myself and the XXXX  company, the XXXX  company and Mr. Cooper, the XXXX  company and round point, XXXX, round point and the XXXX  company. Documents have been sent to XXXX showing everything sent to Mr. Cooper. On XX/XX/XXXX, the XXXX  company received a letter from XXXX that was dated XX/XX/XXXX, stating they shredded the XXXX  because they could not identify the XXXX  listed. XXXX XXXX and XXXX company contact Roundpoint. Funds are sitting in the XXXX  at the XXXX  company needing to be sent.They provide a XXXX  quote but now it included interest for XXXX and XXXX making the amount XXXX  more than the XXXX  quote from XXXX at the close of the sell. Round point says we the XXXX  have to pay this XXXX  money. XXXX XXXX  day grace period is almost up on a XXXX  that we were never notified about until almost a week after the XXXX  was sold. This means XXXX XXXX scores are going to drastically drop. Round point says they will keep the XXXX  open and acrueing even more interest! We spent XXXX  XXXX  savings and profit from the sell of this XXXX  to buy XXXX  new home. We can't afford to pay XXXX of dollars on a XXXX  we knew nothing about. How do we fix this?
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I made my monthly auto loan payment over the phone with a XXXX XXXX representative with specific instruction to use my overage ( over payment credit ) on my auto loan for my XXXX XXXX monthly car loan. Also, a separate arrangement was made to pay late charges that has accumulated with an over the phone ACH payment with the same representative during the conversation. 
Despite providing the representative with specific and accurate payment instruction on how payment should be disburse, the representative did not properly applied it to my account in a timely manner. 
The payment statement and record sent to me by XXXX XXXX investigating personnel omitted the overage ( over payment credit ) payment that was used to pay my XX/XX/year>, monthly payment. 
As a direct result of XXXX XXXX 's negligence in processing my monthly payment appropriately, my account was falsely marked as 60days late on XXXX, 30days late on Experian, and 30days by {$89.00} on XXXX. These reporting are very inaccurate and inconsistent.
Product: Checking or savings account

I am so upset with this bank! I scheduled a transfer to take place on the XXXX of this month like I do every two weeks - the monies were supposed to be transferred to my account that is used only to pay bills. Here is the XXXX of this month and the monies have NOT been transferred yet!!! I can not transfer them myself as it will be a double transfer - the bank has not even attempted to manually transfer the funds as there is an issue within the system. My bill account is now negative! I do not want to get any fees for this as I planned this days ago and it has still not gone through yet! I spoke to someone at the bank and she did not make any sense as to why it has not happened yet. This is beyond unacceptable! I should not have to call the bank over and over again to see why my funds have not transferred - I have more than enough money in all of my accounts!
Product: Credit reporting or other personal consumer reports

All 3 Credit Bureaus are reporting incorrect information for XXXX XXXX. This account has been paid in full and I was advised that this account would be removed once paid.
Product: Credit reporting or other personal consumer reports

I am reaching out in regards to a XXXX XXXX XXXX XXXX account that is on my report being reported by TransUnion, XXXX, XXXX inaccurately & without my consent or authorization. which is a violation of the FCRA & Privacy Act Of 1974 under codes to name a few 15 USC 1681 & 15 USC 6802 ( b ). I also never gave the authorization for my non-public personal information to be shared & I have the right to opt out at anytime under codes 15 USC 6802 & 16 CFR 313.7 subsection ( f ). I have already reached out to XXXX XXXX XXXX XXXX in regards to this situation expressing how I never gave them the authorization to share my non-public personal with non-affiliates, TransUnion, XXXX XXXX XXXX are non-affiliate third parties, which shows violation. 
I am opting out of the XXXX XXXX  account as I never gave the authorization to be reported & it is being reported inaccurately I am confident that this issue would be fixed immediately due to the extreme inconvenience.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I asked my brother to take a payment to the title loan company and the representative XXXX XXXX XXXX at the counter disclosed my entire account information with him even though he is not on any loan contract which I have with them. I have made calls to the corporare office to lodge a complaint and I was told that I had to speak with someone at the office where the offense occurred. The store manager said that " I told her not to talk to the relative but she did it anyway '' as a store manager she should have stopped this immediately. They are not taking responsibility for the error in judgment. I want the satisfaction of knowing that no other customer has to endure this unethical behavior. I take pride in my privacy and they have completely violated that by disclosure of financial information to a third party.
Product: Credit reporting or other personal consumer reports

I am writing regarding the denial of my recent loan application through Affirm, citing issues related to my credit profile, including serious delinquency, lack of recent revolving information, and the number of recent inquiries. I believe this decision stems from ongoing challenges caused by identity theft and fraud, which I have worked diligently to address and resolve. 

To provide context, I have been a victim of identity theft since 2020, which resulted in inaccurate and fraudulent activity being reported under my Social Security number and other credentials. Since discovering this, I have taken the following steps to restore my financial integrity : XXXX. Obtained a new Social Security card. 
XXXX. Renewed my drivers license and ensured all associated records are up to date. 
XXXX. Disputed all fraudulent accounts and activity with XXXX and other credit reporting agencies. 
XXXX. Engaged in a thorough cleanup of my credit files, with many inaccuracies already removed and others currently under review. 

My XXXX XXXX and history are now improving as a result of these efforts. I am confident that my financial circumstances no longer reflect the risks identified in your evaluation. Furthermore, the inability to access financing through Affirm has placed significant financial strain on my ability to move forward with critical personal and professional responsibilities. 

I kindly request that you reconsider my loan application and take into account the mitigating circumstances surrounding my credit history. I also ask that your institution reach out to XXXX to verify the recent updates and adjustments made to my file. My aim is to rebuild my creditworthiness and establish a positive financial relationship with XXXX Bank and Affirm. 

Please contact me at ( XXXX ) XXXX or XXXX to discuss this matter further. I am happy to provide additional documentation or verification as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Equifax : 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 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 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

I contacted the credit breau XXXX  and advise them my file was mix up with someone elses credit file and I disputed 2 accounts multiple times I even call the creditor and the confirm that the accounts did not belong to me but when I disputed it with XXXX  it never got taken off my credit report so I file a FTC report
Product: Debt collection

Re : XXXX XXXX Credit Card Account with XXXX XXXX This CC was current until a financial hardship came about in XX/XX/XXXX. Began working part-time XX/XX/XXXX and paid here and there amounts but not enough income to continue paying minimum due to keep card current. At this time the debt incurred was approximately {$1800.00} give and take a few dollars. I contacted XXXX XXXX to inform them of the hardship and that I was not able to pay. They continued to hound me but still could not pay. The account was closed but XXXX continued to add on fees after I informed them that I was trying to catch up. 
Now XXXX has sold the account to a collection agency named PCA Acquisitions V LLC. This company legal team named XXXX XXXX XXXX XXXX are suing me for an amount of {$3200.00} by way of the local XXXX County, Georgia magistrate court. I have answered once as XX/XX/XXXX and spoke with a representative at XXXX XXXX to consider paying back the {$1800.00} charges but not the after fees after the account was closed and charged off. I am asking FTC to please assist me with this because I refuse to hounded by the court system for fees that I did not occur after I did my part by staying in touch with them back in XXXX about my financial situation. My history before the financial hardship shows that I was willing to pay the debt incurred. The financial hardship came due to a family emergency where I had to reduce work from full-time to part-time. I have written letters to XXXX XXXX as of last year XX/XX/XXXX, XXXX XXXX referring to the {$1800.00} debt. Also, XX/XX/XXXX, I contacted the law firm at XXXX and spoke to XXXX XXXX to inform them that I am willing to pay back the {$1800.00} only. I agreed to {$300.00} dollars a month but did not hear back about where, when, and what to send the payment.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately XXXX. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately XXXX. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017 XXXX sold me XXXX Bitcoin Cash ( BCH ) at an fraudulent/unfair price of {$6000.00}. I then proceeded to sell the XXXXBCH at {$9500.00}, only to have my sell order rejected because they shut down the exchange due to a computer glitch on their behalf. I lost out on a sale of about {$100000.00}. I came back the next day to find the price crashed down and not able to sell. Because of their computer malfunction, I decided to hold off on any trading on the account until the issue was resolved. I have not received any sort of response from them, and they 've hung up the phone the one time I was able to get through to customer support. Because of this, it caused me to lose out on an Ethereum position that should be equal to XXXXeth not to mention time, energy, and money spent trying to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the information, I will provide below, I AM REQUESTING THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT/CREDIT FILE BY XX/XX/2021. 


Please remove it from my credit report/file. 
1. DEPTEDXXXX ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

Please block and remove the unauthorized accounts from my credit report immediately. I did not open or approve these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I am requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting countless CFPB complaints and FTC dispute letters to you to request that you remove the fraudulent accounts and information from my Credit File as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the follwing fraud accounts and information from my Credit File as soon as possible : 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 XXXXXXXX XXXX Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022. Also, you have been failing to send me copies of proof of verification from your investigation and yet you continued to report these items as if verified. This is a clear violation of my consumer rights under the FCRA. I need you to remove the disputed accounts and information as soon as possible.
Product: Debt collection

I checked my credit and saw a fraudulent account from CONN APPLIANCES INC opened on XX/XX/2021. I have no knowledge of this account. XXXX says the company is a furniture store located in XXXX. I have been in the XXXX XXXX  in XXXX  for the last 22 years. The account was charged off at {$XXXX}. I filed an FTC report for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that a large breach of personal information from Equifax recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at Equifax ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from Equifax ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk. 
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with Equifax ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information.
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet. 

I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$1900.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$6400.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1600.00} Account Name : XXXX : Account Number : XXXX XXXX : Balance : {$1600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$21000.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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

These are not mine. Please remove them immediately.