23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a modification with Nationstar Mortgage. Nationstar has modified my mortgage but while on the modification has reported my mortgage being late to the credit company which has caused my credit score to drop to a XXXX. Nationstar has also called me at least XXXX times asking when I was going to make my XX/XX/XXXX payment when my mortgage statement and my poc said no mortgage payment was due until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I filed the claim and they said just won't get my money back despite calling before depositing the check to see if it was fraud. The filed the claim on the XXXX. I was assured the check wouldn't be deposited if it was fraud just for them to take it back later. I know this isn't super detailed but I have all of the proof and would be more than happy to send it over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gm FINIANCIAL is reporting an incorrect late payment from XX/XX/2019. I asked for and was granted an extension ( deferred payment ) but instead they processed it as late!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/2XXXX XXXX
Product: Vehicle loan or lease

Chrysler Capital has been taking my payments and applying them to the interest on the loan and very little -- if any -- has been applied to the principal of the loan. Additionally, over my objection and repeated complain to management, they took a few of my payments -- two to be exact -- and applied them to a repossession fees, which has offset my payment and has creates an impression of late and or missed payments. This action further damages my credit score as late and or missed payments are repeatedly reported to the credit bureau by Chrysler. 
Overall, it appears to me that Chrysler Capital is making a willful and deliberate attempt to undermine my credit score by their unscrupulous practices.
Product: Credit reporting or other personal consumer reports

This is my second time disputing inaccurate information on my credit file, and you responded by saying it was verified when it is inaccurate. I know this because I spoke with the credit companies. You are wrongfully furnishing erroneous information, which is a violation of the FCRA. If the account on my credit file can not be verified, you must delete it. Attached are the accounts that are still inaccurate on my credit file which are XXXX XXXX # XXXX XXXX  # XXXX, and XXXX XXXX # XXXX.
Product: Debt collection

I did a credit check and I have paid every debt on my report etc, but I discovered XXXX derogatory comment. The deragory comment was for {$120.00} that was sent to collections by CBAASSOCIATES on behalf of XXXX XXXX XXXX XXXX. ( The derogatory report is attached ). 

I do not know what this debt is about my XXXX is in XXXX XXXX. 

I do n't know what this Judgment is and I am not aware of anything validating this debt. 

To resolve this without CFPB involvement II sent an e-mail to CBAASSOCIATES on XXXX XXXX, 2015 to determine what this was regarding. In the e-mail I stated I would file this report if I did not hear by Friday XXXX XXXX, 2015. 

The XXXX XXXX, 2015 e-mail is attached. 

Conclusion : I have XXXX negative mark on my otherwise spotless credit as a result of this alleged {$120.00} debt that I do not know anything about. 

If it is a legitimate debt I will pay the {$120.00}, but I do n't like that this Credit Collection Company can avoid due process and put this on my account.
Product: Checking or savings account

XXXX XXXX XXXX - In the morning, I received a phone call from the Ally Bank Fraud Service Center ( phone number XXXX ) concerning fraudulent activity on the debit card associated with my checking account. A voicemail was left giving a case number. I attach the voicemail in this complaint. I called back and spoke with a representative who asked if I made a purchase with my debit card in XXXX XXXX, XXXX. I live in XXXX, Pennsylvania and have n't even visited XXXX for about 18 months. Furthermore, my debit card has only even been used for ATM transactions. I told them this transaction was fraudulent and in return I was told that my debit card had been deactivated. I was told to not have any worries even though there was a pending transaction. The representative told me that this transaction would not go through and the funds should be immediately available once then failed pending transaction dropped off. 

XXXX XXXX XXXX - I check my bank account in the morning and find that the pending transaction has now posted. The amount total was {$200.00}. I call back Ally 's Fraud hotline and explain that I 've already talked to a representative about this situation and that the transaction needs to be reversed or at the very least a provisional credit should be placed in the account. I am told by the representative that there is nothing she can do, and that I must wait up to 45 days to have access to my funds. Unsatisfied with this answer, I start a chat with a customer representative and request again that I be given a provisional credit to the account for the funds so that I can pay my bills while they are doing their investigation. I am told, this time, that there is nothing that can be done and that I may get a provisional credit in 10 business days and that the investigation can take up to 90 days to complete. I ask for the issue to be escalated to someone who may be able to provide the provisional credit immediately but am told that I must wait for them to complete an investigation. I have attached to this complaint a transcript of the interaction I had with this representative. After making no progress through this chat I terminated it and proceeded to file this complaint against Ally Bank.
Product: Mortgage

Please see related cases against Ocwen/PHH for reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ... ... XXXX XXXX XXXX ... ... XXXX & XXXX XXXX XXXXXXXX ON or about XXXX XX/XX/2019, Ocwen removed {$1600.00} from my escrow account fraudulently for a " ghost policy '' that was neither necessary or required. During this same time period Ocwen transferred my mortgage loan to their subsidiary PHH. Further, Ocwen refused to paid XXXX XXXX XXXX for current policy insurance coverage. Further, Ocwen informed PHH that my loan was not " PITI '', but " PIT '' which is not true because each monthly payment covers principle, interest, insurance and taxes. 
At this point, I contacted PHH and complained. They denied knowing anything, and then ignored and stalled my complaint to have the {$1600.00} returned to my escrow account and to have XXXX XXXX paid for insurance as required. I complained to Ocwen/PHH some weeks later and was told that ... " I had to prove that Ocwen/PHH was wrong and present proof regarding the " ghost policy ''. I again complained several months later when PHH did nothing. They did not return the {$1600.00} to my account and only when I threatened legal action did they contact XXXX XXXX and begin to pay for home owners insurance with XXXX XXXX for my properties benefit. 
HOWEVER, within weeks of this action they ( Ocwen/PHH ) sent a new demand statement on XXXX for a second " ghost policy '' in the amount of {$1800.00}. At this point I no longer have any faith in Ocwen/PHH doing anything to correct this. At this point I am filing any and all the complaints necessary based on jurisdiction and law. I am also contacting a Colorado law firm regarding any " class action '' suits that may be appropriate for this problem of Mortgage/Insurance fraud by Ocwen/PHH. I have plenty of paper proof, notes, dates and contact person ( s ). It is most necessary that Ocwen be stopped in continuing this type or any type of mortgage fraud. Please HELP. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX/XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party. The following credit reporting agencies are taking advantage of me, and as a result I am continuously being denied credit. XXXX, XXXX, EQUIFAX and XXXX XXXX. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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: Debt collection

We have a lawsuit pending with US Bank. We get calls from some business who claims to be US Bank. I looked up the telephone number and it seems to be a debt collector or telemarketer. ( XXXX ) We gave them the lawyer 's information and read them the lawsuit along with saying the FDCP says that the must deal with him. They claim that the law does n't apply to them! If US Bank hired them to harass us have they not violated the court order or the collector breaking the law? I also received a letter, on US Bank stationary demanding that we need t pay them from the collector.
Product: Checking or savings account

On XX/XX/year> I tried to transfer XXXX dollars to my account at XXXX XXXX XXXXXXXX. the account hasXXXX. Once i left the bank i later saw on the same day that the transfer was cancelled and reversed back into the account at SOFI bank. They then informed me that the account has been frozen and that i needed to submit a picture of my ID, back and front. I also had to send a photo of my face to verify my identity the same day. I then received a confirmation with a blue check stating that it was confirmed. I then called back to follow up on XX/XX/scrub> XXXX they stated that they did not receive the pictures and that i was to resubmit the photos. once i complied i was told that my account would be released on friday XXXX XXXX, i waited until then and called again. i spoke with a young that told me that she could not give me any information on why my account was frozen initially nor could she update me with time or day my account would be unfrozen.
Product: Credit reporting or other personal consumer reports

Stated that they removed all inaccurate information and indicated to CFPB that they are working towards a resolution but I literally have just logged into my account and experian is still undermining the process because my report print appears correct but when Im looking thru my account inaccurate names and hard inquiries were entered while I had my account frozen.

It appears they are acting in a retaliatory manner due to the fact I refused to pay for their services and I have reported them for all wrongdoings and violations This is beyond pathetic and unacceptable I kept reporting them and they keep doing the same thing stating one thing and doing the opposite to avoid issuing my compensation demands for damages caused
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mississippi XXXX Date of Birth : XX/XX/XXXXXXXX  Subject : Request to Delete Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is the wrong creditor for this item XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account NumbeXXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Other information I would like changed XXXX XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. This inquiry was not authorized. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


In accordance with the Fair Credit Reporting Act, I am requesting an investigation into these items and their removal from my report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor is unable to verify should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this correspondence.

Please send an updated copy of my credit report to the aforementioned address. As outlined by the act, there should be no fee for this updated report. Furthermore, I kindly request that you notify any party who has accessed my credit report in the past six months of the corrections made.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/2017 XXXX XXXX Once again a major mess with Experian and one takes days to get through to them then transferred around the horn. Tried to get temp access to code so bank can pull credit. Could not get through again WAIT AGAIN! WAITING. AGAIN!!!! 1- XXXX UPDATED EXPERIAN XXXX XXXX INCORRECT REPORTING ME LATE- BACK TO GROUND ZERO. EXPERIAN WAS TO UPDATE ALL OTHER AGENCIES- I GUESS THEY FAILED AGAIN. 2- WANTED A TEMP NUMBER SO A BANK COULD PULL CREDIT. 3- NEGATIVE CREDIT POSTED IMMEDIATELY- AMAZING- GETTING NEGATIVES CORRECTED 60-90 DAYS -- 4- BEING DENIED CREDIT SINCE XXXX XXXX READY TO SUE ALL!
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against Chase Bank for their continued failure to resolve an issue concerning a fraudulently opened account under my name. This account, an Amazon Visa opened in XXXX and ending in XXXX XXXXXXXX with a balance of {$3000.00}, was opened without my knowledge or consent during a period when my identity had been stolen. Despite never having any dealings with Chase Bank, this fraudulent account has severely impacted my financial standing. 

I have been disputing this charged-off account vigorously since at least XXXX, following my XXXX XXXX XXXX with the most recent communication sent XXXX XXXX XXXXXX/XX/XXXX. On several occasions over the past year I have provided Chase with a comprehensive FTC fraud report, which acts as an official police report for identity theft, yet they refuse to remove the account. They argue that because payments were made on the account, it must be minea claim that ignores the fact these payments could have been made by the identity thief. 

They have not provided any information about this account, including what method was used to open the account, the ID that was used when opening the account, the signature of the person who opened the account, or any information about the bank account that was used to make payments on the account. 

I suspect a family member may be involved, given their access to my personal information, but I lack direct evidence. My repeated attempts through calls and written communications have been disregarded, and Chase continues to maintain the account on my records, unjustly preventing me from accessing credit. 

Thank you for your attention to this critical matter. 

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

XXXX  IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX AUTO LOAN NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.
Product: Debt collection

I recently had my information taken from a payday loan website. On XXXX/XXXX/XXXX at XXXX I recieved a phone call from an unknown number. As there was no caller ID, I allowed the call to go to voicemail. I recieved a minute-long voicemail from a woman Identifying herself as a XXXX XXXX. She said she was calling regarding some paperwork I need to sign for regarding a request placed under your name and social security number and I need to place you on my schedule regarding a claim that an office is looking to place against you. She said she placed me on her schedule for the XXXX of XXXX XXXX if I have any questions regarding the matter to call the office that had filed a complaint against me at XXXX reference number XXXX. 
Having worked in collections for nearly XXXX years I know that this is a tell tale sign of a debt collection scam or at best a scare tactic used by a collection agency which is in direct violation of the Fair Debt Collection Practices Act XXXX you arent supposed to impersonate a lawyer or process server ). 
Needless to say, I did not call back. A quick search via google for the number yieled nothing. As the woman who called didnt call from a known number or leave a company name and number for me to call back, I decided to ignore the call. 
The next day, at XXXX am I recieved another call from a blocked and unknown number. The same woman had called and left another message. She stated that as she had heard nothing different from the office who filed the complaint she would be moving forward with delivering papers that required my signature on the XXXX and that if I have any questions to call the company who filed at XXXX. 
This type or behavior was obviously supposed to be a lure, to get me to call back. 
I purposely waited until after business hours to call the number. After XXXX ring, the number was automatically forwarded to a voicemail box that stated Thank You For Calling Red Cedar Associates, our office is currently closed ... then it rambled off their hours of operation and asked me to leave a brief message. 
A quick google search of Red Cedar Associates brought me to their website and phone number. I called their number off of the website : XXXX, and it was the same exact mailbox. This company, weather they are a legit collection company or not, needs to be stopped.
Product: Mortgage

Not sure if this is homeowner 's insurance fraud or not. Also, ever sig my loan was transfer to Newrez my morgage payments have been increasing and it's getting harder and harder to pay. 
In XXXX of XXXX  I got a letter from Newrez letting me know that insurance is going up from {$5100.00} to {$5600.00} and then in XX/XX/year> I got another letter form them telling me insurance will now be {$5900.00}. Confused as to how a big jump from one ( 1 ) month to the next is. I should not jump up that much in one ( 1 ) month.

I am searching for another insurance company but everyone wants brand new roof, brand new pipes, brand new air conditioner unit. Plus a very very clean yard. I am XXXX yrs. old and I can not afford a lot or clean my yard every weekend.
Product: Credit reporting or other personal consumer reports

Failure to Comply with Cease and Desist Letter Under 15 U.S.C. 1692 ( c ) of the FDCPA I am submitting this complaint because I sent a cease and desist letter to [ Debt Collector/Agency Name ] under 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communications regarding disputed accounts cease. Despite this, the accounts in question are still being reported on my credit report, which I believe violates my rights under the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ). 

The accounts are inaccurate and should not be included on my credit report. I have taken the following actions : Sent the cease and desist letter on XXXX via certified mail to ensure receipt. 
Included specific disputes about the accounts and provided all necessary supporting documentation. 
To date, these accounts remain on my credit report, which has caused continued harm to my credit standing and financial well-being. I believe this is a violation of both my right to have accurate credit reporting and to limit communications about disputed debts. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure the collector complies with the FDCPA and that the inaccurate accounts are promptly removed from my credit report. 

Thank you for your assistance. 

Additional Information : Debt Collector/Agency NameXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After going through my credit reports and seeing multiple accounts from XXXX XXXX now owned by Portfolio Recovery, I requested validation on XX/XX/XXXX which was replied to in a letter dated XX/XX/XXXX. During this

time Portfolio Recovery was still aggressively trying to collect on these accounts which contradicts FDCPA 1692g. From that time Portfolio Recovery calls multiple times a day from multiple numbers with no regard to my request that all communication be done through mail. When I did call back the person I spoke to was not interested in anything I had to say but just kept repeating the same line.
Product: Credit card or prepaid card

XXXX XXXX credit card was fraudulently charged and they determined that it was fraud, issued me a refund check in the amount of XXXX which I had paid off because we were in the middle of a home purchase and could not wait for their fraud investigation to finish. They finally determined it was fraud then they added the amount back to my card that was fraudulent and started calling me over 20 times within 20 to 30 times within 2 hours. This almost cost me my job and caused me to be sent home cost me XXXX XXXX XXXX in pay. Now they want me to pay XXXX thats including the past due on charges that they deemed fraudulent themselves.This account should be a XXXX balance.