23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When our loan was bought ( from XXXX ) by Nationstar Mortgage ( in XXXX of 2016 ) it was mistakenly transferred as an Escrow Loan. Somebody must have ticked the wrong box. Our loan was written from the beginning and is a NON Escrow loan. They also said we had a lapse on insurance coverage which we did n't. 

By XXXX of 2016 they were claiming that we owed them XXXX of dollars in Escrow and they started the collections calls. 

We have repeatedly called in conference with our homeowners insurance agent and with our mortgage broker and have provided Nationstar with all the necessary documents : CLOSING DISCLOSURE and INSURANCE CERTIFICATE which clearly show that we do n't owe any money in ESCROW because No 1 ) this was a NON ESCROW loan to begin with AND No 2 ) because we have fully paid our homeowners insurance for the year, PLUS we have FULLY paid our taxes for the year. The collections calls continued. Looks like the collections department, their insurance department and their escrow department not only have different XXXX numbers but they must be on different continents or maybe on a different PLANET!!! Makes you wonder! 

To make a long story LONGER, after 5 conference calls numerous other calls and 3 months that we have been trying to resolve this issue Nationstar Mortgage sent us a letter dated XXXX XXXX with a research reference number, saying that the matter is being investigated. They also assured us over the phone that the matter would be taken care of and that they had all necessary documentation at this point. 

A few days ago we started getting the collections calls again at a regular basis, which in Nationstar fashion means every single hour of every single day, literally! Those calls must be robot generated but the human being at the end of the line if you answer the call, is far from human, as I said, probably planetary and galactic migration is a fact for this Mortgage company. 

I just called them this afternoon again and after 15 minutes with all the preliminary stuff, which is typical, and 20 minutes on hold because the " agent '' aka XXXX aka XXXX, was looking for the loan and then she was looking for the notes and then was verifying everything over and over, and making sure that I know that this call is being monitored and recorded for quality assurance purposes, and this is an attempt to collect a debt, she told me that the RESEARCH REFERENCE number that I gave her ( which was on the letter that they sent me ) was the WRONG number, but that she had found in the notes that " our request was rejected BUT that our claim was PENDING ''!!! WHAAAAATTTT?????? 

Help! Please! Someone? Anyone? 
Nationstar Mortgage SHOULD NOT EXIST AS A COMPANY ... not a mortgage company! As a company at all!!!
Product: Money transfer, virtual currency, or money service

XXXX XXXX has been screening my background, employments, credit cards, DVR, XXXX   and bank accounts to steal people 's money from their account and robbing houses since XX/XX/2016!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

XXXX XXXX applied online for Chase visa card. Received email XXXX received. Then received email requiring pic id for address and dob XXXX XXXX received email from Chase Bank that they were reviewing app and documents. 
No further emails XXXX XXXX call Chase Bank and given bad information that XXXX  was still in process Escalated to supervisor and told information on license " was '' legible but they could not accept it probably due to watermark and declined it. 
I ask why I was not notified and they said they do not notify customers about these declines, which is unacceptable. I had to call them and wast XXXX XXXX. 
XXXX XXXX I Called XXXX and my XXXX XXXX was reduced XXXX XXXX for the credit inquiry. 
Chase should send notification immediately. 
Chase should require valid docs prior to requesting my credit from credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R  226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Product: Debt collection

I checked my credit report to see that Amsher Collection Service had put a derogatory ding on my credit score, showing I was sent to collections. I need to remove that from my credit score because I was never notified of this action prior to it showing up on my score and dropping it nearly XXXX points!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report this morning, I noticed accounts that dont belong to me, and I dont know how they appeared. I check my credit report regularly, but this time there were errors I didnt expect. I even tried refreshing my browser, thinking it might be a glitch, but the errors stayed. Im requesting a detailed review of the documents I submitted so I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Checking my Credit report in order to purchase a house I was informed that I had an inaccurate bankruptcy on my report. The reporting agency that is reporting this error in information is Trans Union. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. Also by law, it is stated by the courthouse that information from their record is never shared publically or to outside vendors so that further shows the incorrect information that has strangely been added to my report by a questionable unknown source.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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.

UNAUTHORIZED INQUIRY : XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX 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 card or prepaid card

My name is XXXX XXXX. There was a fraudulent charge put on my credit card for {$2400.00} on X/XX/2013. Credit Card # XXXX XXXX XXXX XXXX, my social security # XXXX XXXX XXXX. I have been fighting with Wells Fargo to remove the charge for years and they remove the charge and put it back on the next month without telling me. The name of the company is called XXXX XXXX XXXX and they have been prosecuted for falsely putting charges on peoples credit cards without permission. XXXX XXXX has something to do with timeshares I dont even own a timeshare. Every time I call wells fargo they make pass me around to different departments for 2 hours. Every time I call it is a 2 hour phone call. The last time I called they thought put me on hold but I could hear them talking and they said said " just tell her we are going to remove the charge and started laughing hysterically. When they got back on the phone I told them I could hear them and they hung up on me. Please help me. I am supposed to be protected from unauthorized charges with the credit card company.
Product: Debt collection

Friday, XX/XX/XXXX I am an employee at XXXX XXXX XXXX. The owners are rarely on location and can be reached by email, so i pass any phone msgs to them. 
XXXX XXXX with CCI-Credit Counsel Inc XXXX I have communicated to mr XXXX several times that owner can not be reached by phone and i am the only one answering the phones, mr XXXX calls repeadly, one call right after the next, verbally badgering and bullying me, verbally abusing me, bad mouthing my employer, while im trying to work. He is not getting his msg across, he is only interfering with me working with patients, hampering me in providing quality customer service, delaying and damaging my work progress. It has become very disturbing and mentally stressful. 

XXXX Location : XXXX he called @ six ( 6 ) times in a row, back to back between XXXX - XXXX, @ XXXX and left a nasty VM msg. XXXX @ XXXX, @ XXXX lft VM msg, @ XXXX He said to me, " How do we get paid by you people, is XXXX  there? ; he called again @ XXXX. XXXX he called @ XXXX, asking, " Why dont you people pay your bills? ", and @ XXXX ( before the clock struck,XXXX ) ( 4 ) four straight times in a row, @ XXXX ( 2 ) two times in a row. XX/XX/XXXX @ XXXX asking, " Is XXXX never there? ", @ XXXX " Why dont you people pay your bills? ". XX/XX/XXXX @ XXXX, @ XXXX ( 2 ) times in a row, and @ XXXX. 
XXXX Location : XXXX @ XXXX, @ XXXX ( 2 ) two times in a row. 
Something must be done, he can not be allowed to harass Me concerning others financial responsibilities. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CAPITAL ONE XXXX Date Opened : XX/XX/2015 Balance : {$45000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I ordered CR ( credit report ) from Experian ( as I have been doing since XXXX, ( I have this report from XXXX ) ), XX/XX/XXXX still not rec 'd. Experian asks every time if one has lived same address for two years, ( actually eight years now ). Called XXXX XXXX (??? ) on XXXX, person XXXX told me it takes sixteen " business '' days, ( never has before ). I asked her WHEN sent, she didn't know, asked WHERE it was sent, " to your address ''. Also, XX/XX/XXXX ordered CS ( credit score ), ( first time ) from XXXX. Rec 'd CS on XX/XX/XXXX, six days later. Still no Experian CR. I called every number I could find for Experian but could reach no real person except in XXXX XXXX (? ). Again called Experian, person XXXX very knowledgeable, compassionate, helpful. I did ask her, congenially, where the XXXX is my CR? Told me typo in my address, extra digit added in numerical portion address. Eventually, after checking further, she told me four letters incorrect in my street name, also. I am extremely protective of my info, I am extremely concerned, distraught, and scared now. When I hung up I called the US Postal Service where, I was told, the letter would have been returned to return address which I assume is XXXX XXXX  XXXX XXXX TX XXXX, same as my CS return address. So, why has not ANYONE from Experian who rec 'd my CR in Texas, nor anyone from Experian ANYWHERE contacted me? And further, where the XXXX is my credit report? Twenty-five days after I ordered same? Historically Experian has been the only CR worth applying for although I order from Equifax and Transunion also. I did ask XXXX yesterday, XX/XX/XXXX, to send me a report again. So to reiterate, where the XXXX is my original credit report? Why do I still think I can trust Experian with my personal and financial information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent proof to this credit bureau 2. First time they stated my information on license and social did not match my address. I received a new license with updated address and they sent the response again. I believe it only fair since they will not take the proper steps to investigate and are giving me false responses that the accounts in dispute be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/22, I submitted a dispute to The 3 Major Credit reporting Agencies Experian, XXXX, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to the above referenced accounts and transactions. I have continued to call and write to the companies and the credit bureaus about my credit report. I do not get responses from no one. XX/XX/XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} XX/XX/XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} I have contacted the creditors and the bureaus in hopes of getting this matter resolved. They have not responded to any of my request via phone or in writting.
Product: Debt collection

This was an erroneous debt and Midland collections filed a lawsuit in XXXX court. The XXXX is 4 years from last payment- the company filed after the XXXX had passed. The court allowed this to remain on their docket for XXXX more years then proceeded to allow litigation ignoring the XXXX and Midland petitioned for a judgement and received it - the original debt was by Midlands own records from XXXX
Product: Debt collection

XXXX XXXX is when I first saw Portfolio Recovery show up on my credit reports. I had not received a letter telling me who they were or why they were reporting on me. They continued to report for months to include another time that just showed up this week but shows that they added another account in XXXX?! This is a disgusting company that nobody would want to do business with for a number of reasons. The first is that they report on your credit before you even know we 've m who they are which seems unfair, they have been sued SEVERAL times die grimy reasons, and upon reading reviews when people so agree to pay them they do not send them the proper documentation or follow through on anything on their end. In addition the numbers they call from may them sound like a fake! I attempt to call back and it sounds like fraud. I do n't even know how they got my cell phone number to begin with! I do not have the bad accounts on my credit and have moved on for the better with that company. I have tried to dispute for the same reasons in explaining and all they did was quote a letter that they sent which does not address anything I 've said was n't fair! This company is a scam and I want all history of them removed from my credit report. I 'm young and trying to do right and these fakes are bringing me down with their unfair practices. I 've filled with the XXXX as well but please help me!!!!!
Product: Checking or savings account

We deposit annually a clients check in the amount of {$63000.00} into Bank of America. We always get bank acknowledgement from either teller or branch manager to not hold this check. XX/XX/XXXX we deposited it again and got verbal and written acknowledgment that BOA wont hold it. This money is designated to XXXX XXXX as premium fund account. In XX/XX/XXXX BOA mailed a letter to notify it was held and not paid so it cause our account to be deficient and fees ( {$70.00} ) were charged.

I talked to branch manager without any resolution. We have been banking with that branch of BOA for over 32 years.
Product: Credit reporting or other personal consumer reports

They pulled my credit without my consent. I went to the dealership for a purchase of a car and they pulled my credit with numerous institutions that I did not know that they would do that on XX/XX/year>. 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

On Saturday, XX/XX/year>, my husband an I arrived at XXXX XXXX XXXX in XXXX, AL. We were there for maybe 20 minutes. We talked about finding a vehicle on their car lot, but never found one we were interested in. We did not test drive any vehicles or make any deals. There sales professional we spoke to was XXXX XXXX. He asked me for my social security number so he could preload it in his computer in case we decided on buying a vehicle. A few days later I checked my credit on XXXX XXXX and learned that he ran my credit and gave me a hard inquiry, which I did not authorize. I called the dealership and spoke to the manager on XX/XX/year>. I told him what happened and that I would like someone to have this hard inquiry removed from my credit. The manager said he would figure it out and give me a call back. I have not heard anything else from him. This company has shown no inititive to resolve this matter and their fraudulent processes. I called Equifax today, XX/XX/year> and filed a dispute online to have this removed. I would like to file a complaint on this company for running my credit without my permission.
Product: Credit reporting or other personal consumer reports

Notice for the agent is notice for the principal applies under this notice This letter serves as my formal dispute regarding the repeated and knowingly false reporting of my XXXX XXXX account status. Despite previous attempts to resolve this issue, XXXX XXXX XXXXXXXX continues to report my account as late and past due even after it has been charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates that furnishers of credit information report accurately.

Violation of FCRA and Intentional Misreporting Under the FCRA, furnishers are required to update and correct inaccurate information. XXXX XXXX  XXXX has knowingly failed to fulfill this obligation, engaging in misleading and damaging behavior. Reporting an account as late after it has been charged off creates ambiguity, which has materially impacted my creditworthiness and caused significant financial and emotional harm. 
The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, establishes that a furnishers failure to conduct a reasonable investigation after receiving notice of a dispute from a credit reporting agency violates the FCRA, making them liable for damages. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, highlights that ambiguous reporting tactics can result in willful noncompliance.

Prior Notifications and Inaction This is my third written dispute regarding this issue. Each time, your organization has acknowledged receipt but failed to resolve or rectify the situation in a timely manner, as required by the FCRA. Despite my documented efforts, XXXX XXXX  XXXX continues to report erroneous information, directly violating Federal Trade Commission guidelines on data furnishers. 
Demand for Compensation and Immediate Rectification Given the ongoing damage to my credit score, emotional well-being, and financial standing, I am seeking the following : Immediate correction of the account reporting to reflect its accurate status post-charge-off without indicating past due balances.

Compensation in the amount of {$5000.00} for noncompliance, negligent misrepresentation, and emotional distress as stipulated under XXXXXXXX XXXX XXXXXXXX. 
A written apology acknowledging the failure to comply with the FCRA and your legal responsibilities. 
Failure to comply within 10 business days will leave me no choice but to escalate this matter through formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and file a civil suit under the FCRA for damages. I expect prompt action to resolve this issue and avoid further escalation. 

Please send all responses to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX [ XXXX ] without prejudice, all natural inalienable rights reserved.