23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is my 2ND complaint to CFPB regarding the same problem with Nationstar Mortgage. My original  XXXX  # is  XXXX  and was submitted on  XXXX / XXXX / XXXX .  XXXX  ationstar Loss Draft Department was and continues to be a MAJOR problem du ring our claim to our Insurance company and reconstruction of our home. They have delayed the progress of our project and has now made us incur costs for extended temporary housing beyond what our insurance carrier will reimburse due to the continued delays. Furthermore, our insurance company has threaten to enforce a deadline to limit us on replacement costs coverage which is only available upon completion of repairs. Please refer to our prior complaint under above referenced case number for details. Fortunately after our first complaint to your offi ce ( CFPB )  on  XXXX / XXXX / XXXX , Nationstar responded promptly by issuing initial {$40000.00} draw of our reconstructions funds by  XXXX / XXXX / XXXX . As of today they continue to withheld over {$33000.00} from our insurance claim funds for disbursement after inspection of 50 % of reconstruction of our home. Since  XXXX  of  XXXX  we have tried to schedule this inspection with Nationstar Multiple times, they have accepted our requests and advise inspector will call to schedule, after waiting days with no calls, we follow up with  Nationstar  to find out every single time they CANCEL the inspection without any notification. They have said inspections has been cancelled by mistake, other times it has been cancelled due to lack of documentation.. when we have provided them with EVERYTHING. We have created an account through their  XXXX  website their automated system asks you to go to for updates, but the system continues to tell us our case requires special handling, it is no use to us. Their Loss Draft department is incompetent, no assistance, no moving forward, no follow up, non of the employees seem to even understand the claim process, never take the time to read our case information, continues to give us contradicting information, excuses for non cooperation. We have provided their Loss Draft Department with a COMPLETE AND DETAIL Information, emails, reports between our insurance company, the work performed on our property as well as additional information to assist them in managing our funds properly. At this point our house has been sitting at approximately 60 % completion since  XXXX   XXXX , pending additional funds currently withheld by  Nationstar and as of the moment we are still waiting to the mercy of someone at Nationstar willing to help us. We have spent so much time, hours, efforts, energy, stressful phone calls. We want to move back into our home and Nationstar seems to have no consideration for our current situation. They have taken our claim funds once again hostage and treat these fun ds as they were additional loan funds ... THIS IS RIDICULOUS. How does this company even hold a license as a loan servicing company when they can not distinguish the difference between loan funds and escrow funds or insurance claim funds. PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was requested Verifiable Proof for the attached accounts. Per section 609 of Fair Credit Act. That information was never received or provided. I request this accounts be removed as it has been over 35 days and no real investigation ever took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report with has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a My rtgage with XXXX XXXX that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my affidavit to the three credit bureaus that is enclosed with this complaint. I contacted XXXX and XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after providing police dept and filing a police report and identity theft affidavit. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. They claim the collection agency verified this fraudulent account yet i never received anything from the collection agency.
Product: Vehicle loan or lease

Hello I would like legal representation help with my lawsuit case that i have filed with the XXXX district court .On XX/XX/XXXXXXXX  I hired a court sheriff to serve Complaint to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was sold a XXXX XXXX XXXX Lemon vehicle no engine no brakes no air no transmission working from first date of sale. i would like to be awarded damages of XXXX, for lost of Chef my work Im a disabled business owner of XXXX XXXX XXXX XXXX XXXX. My children missing school on days. having to experience riding in XXXX  rides for the first time in there lives, there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX trying hard to XXXX despite all odds. and there has never been a day i could not drop off and pick up my children on a daily basis from school and all ride situation there entire lives. this has caused my children severe XXXX XXXX after being doctors appt.an not being able to continue the care for my XXXX XXXX XXXXXXXX XXXX my trade in XXXX XXXX XXXX mental anguish for me and my children for countless near fatal accidents on street roads and freeways with my children, also for false advertisement bait and switch me with a lemon vehicle upon my dealership arrival, stealing my trade in that i paid XXXX cash with all bells a whistles working at time of trade in. I had to voluntarily surrender the vehicle to credit acceptance on XX/XX/XXXX and not being without a working vehicle to drive since date of car purchase i want to be fully compensated for as well. the vehicle failed all diagnostic testing. No service centers wanted to even work on the vehicle saying its bond repair. and no one would take the warranty insurance leaving me without a working vehicle for months. this has been very disheartening to have to experience a serious matter like this. the mental anguish has been real for me and my children. I would like credit acceptance immediately removed off of my credit report. i would like the Michigan LEMON law to enforce this company out of business.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I filed all the correct paperwork according to the FCRA and disputed these accounts. The paperwork has not been filed correctly and not processed according to the FCRA. I also have asked for copies of the verification process and not gotten them. 

These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went on the XXXX XXXX XXXX  to see if portfolio Recovery was license to collect debt in new york and it show they are not license here in new york and thats Illegal from my understanding and they would have to be remove from my credit report
Product: Debt collection

XX/XX/2019 - XXXX XXXX XXXX ( XXXX NY ) / LVNV Funding LLC issued a debt collection notice for {$180.00} related to an original creditor of XXXX XXXX XXXX LVNC purchased the so called debt from XXXX XXXX . On XX/XX/2019, I notified XXXX/LVNV that this debt was NOT mine. In fact, the debt collection agency does not even have the correct spelling of my name on their records. 
XX/XX/2019 - XXXX XXXX XXXX evidently ignored my first communication that the receivable they purchased was NOT associated with me and that I have no obligations or liabilities regarding XXXX XXXX XXXX inasmuch as I have not transacted any business with XXXX XXXX. My second notification letter was delivered via Certified Mail with return receipt. 
XX/XX/2019 - Received another collection notice on the same issue from Resurgent Capital Services ( XXXX MI and XXXX SC ) for the same amount. I sent another notification letter via Certified Mail with return receipt affirming that the person they were seeking was NOT me. They continue to have an incorrect spelling for my name which likely indicates someone has 'high jacked ' my name and spelled it incorrectly in the process. 
XX/XX/2019 - Resurgent Capital Services responded with a letter stating that the information supplied was " insufficient '' regarding " identity theft '' as the basis for disavowing that claim. The included an '' Identity Theft Affidavit '' questionnaire for my completion that asked for ALL of my personal information such as DOB, SocSec #, Drivers License #, address, telephone # s. I am uncomfortable providing this sensitive deal information to any one, especially a rouge debt collection agency. 
XX/XX/2019 - Resurgent Capital Services issued another letter suggesting that they have received " duplicate correspondence '' on this dispute. The letter also said " we will not continue to respond to duplicative requests without additional information. ''
Product: Credit reporting or other personal consumer reports

My rights are being violated and my credit report is inaccurate. There are several accounts in question. I am not liable for any debt. I do not recognize these account numbers. I do not recognize how these accounts are being reported and verified. I do not recognize the account status. I do not recognize the account high balance. Nor do I recognize the late payments associated with it. Everything being reported here does not meet the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C 1681e ( b ) and 15 U.S.C 1692g these companies are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021. 
-Date of last payment is incorrect on all three credit bureaus.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report leaving in accurate or unverifiable accounts unresolved the consumer financial protection bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging, systematic issues, such as failing to forward consumer provide evidence to furniture, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing. Im requesting immediate of corrective action to remove or amend the disputed accounts as experience inaction, violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. XXXX by this XXXX  I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Product: Mortgage

My parent 's house had gone in to default as my father is a  XXXX  veteran struggling with  XXXX   XXXX . I decided to pay their mortgages to make them current and called SLS to get a pay off amount. They gave me the amount of {$10000.00} and wiring instructions to their account at  XXXX   XXXX  ; they informed me that the money had to be wired by Monday. I completed the wire transfer on Friday at my local  XXXX   XXXX   XXXX   XXXX  and thought all was well. A week later, SLS sent a letter listing the home for sale. In the following two weeks, they have refused to admit they have received the money and are also refusing to look for it. They have stolen {$10000.00} and are going to take my parent 's house without even attempting to look for this money.
Product: Debt collection

I visited XXXX XXXX a total of 3 times, the XXXX time, was the initial exam XXXX XXXX XXXX and he stated that he recommended XXXXXXXX XXXX XXXX XXXX due to XXXX XXXX XXXX The second time I visited XXXX XXXX ( XXXX later XXXX XXXX XXXX stated that he could not due XXXX due to him having no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would do it. XXXX XXXX needed all of my XXXX XXXX which I emailed several times and the staff stated they did not receive it. The XXXX time I visited XXXX XXXX XXXX XXXX XXXX did not remember me at all, had no record of me ever being there and was not sure what to do when I handed him the XXXX of all of my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX notes. He sent me for a XXXX XXXX but his staff would not do it due to the XXXX and XXXX in my XXXX XXXX Upon leaving the staff told me my insurance was approved and I only owed the {$65.00} co-pay which i paid. Due XXXX XXXX XXXX confusion, i decided to go to XXXX to have the XXXX. XXXX XXXX would not send XXXX the XXXX  that I gave them or any of their notes until I paid {$850.00} which they stated that I owed for the XXXX XXXX that was not given. I paid the {$850.00} and they sent the records. Carter -Young collections knows all of this but will not remove the charge and keeps reporting it every month. I have sent Carter Young this info again and again
Product: Debt collection

Contacted XXXX XXXX to remove the items from my collections report. Escalated to 3 supervisors and they told me Delivery Financial services are the only ones who cant remove the items. Items were paid in full and they shouldve never been charged. I paid for everything upfront and had 4 items placed in collections for the same procedure. XXXX is putting all the blame on delivery financial. I have contacted delivery and they keep telling me to contact XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX XXXX. The dispute is over a credit card debt that was bought by another firm, named XXXX XXXX XXXX c/o resurgent capital services XXXX XXXX XXXX XXXX SC XXXX The original account ( XXXX XXXX XXXX ) was closed. The amount is in excess of {$1000.00}.

In 2017, XXXX filed suit in a Magistrate Court in XXXX XXXX, PA/ The case was dismissed.

I disputed this fact to XXXX XXXX online. They sent a letter saying they needed proof of my address. I mailed in proof, which was my bank statement and utility bill.

I received my results via mail. Information updated. Dispute not specific, verified and updated.

I would think if they did a manual check as they said they had to, the evidence of a court of law would prevail. The case was dismissed and should not be on my credit report for a buyer of bad debt, that is over two years old in PA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Experian, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my XXXX XXXX. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX  - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XXXX  - XX/XX/XXXX ( Experian ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

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

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Debt collection

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.