23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage with one year remaining. I paid off the mortgage on XXXX XXXX, 2015 with a certified cashiers check as was requested. I have been attempting to get a filed release of lien on this property. After contacting Nationstar customer service on multiple occasions, by phone and in writing, I have still not received the recorded release of lien. I did request and received an emailed copy of the notarized release dated XXXX XXXX, 2015 but it did not have any information related to filing. The County Clerk office for XXXX XXXX does not show a filing for the release as of today ( XX/XX/2015 ). I have contracted with an attorney, who sent letters to the XXXX addresses I had for Nationstar document administration. These letters were received and signed for on XXXX XXXX, 2015. 
I need to have the filed release of lien in order to apply for a Home Equity Line of Credit on the property. On XXXX XXXX it will be XXXX months since the loan was paid off and more than 2 months since the release was notarized but still not recorded. Nationstar has not responded to my attorney yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am reaching out because there is a collection account on my Transunion and XXXX Report. The account by XXXX XXXX XXXX is a fraudulent account. I have disputed this via Transunion, XXXX, and through themselves. I haven't received a response from them at all. I am requesting that this account be removed from my credit report asap. I have attached my police report. My next step is to retain an attorney to get it removed and to sue the bureaus. 

Also, this is me, XXXX XXXX XXXX, submitting this dispute. Everytime that I submit a dispute through here, they try to say that it isn't me. This is me and I would like this resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 The creditor notified Equifax to remove the delinquent account due to the account being including in my bankruptcy. I have disputed this account numerous times. Equifax disputes shows its being report correctly. I have included a copy of my bankruptcy statement also verifying that the account was included.
Product: Credit reporting or other personal consumer reports

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is imperative that you take immediate, aggressive action to rectify this situation, as it is causing severe damage to my financial well-being, and I hold TransUnion responsible for allowing these errors to persist. 
The following fraudulent accounts have been reported on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Dear CFPB, I checked my Experian Credit Report on XX/XX/2016 and I was surprised to find XXXX inquiries : XXXX from XXXX on XX/XX/2016 and XXXX from XXXX on XX/XX/2016. I have not taken any action to open an account with either XXXX or XXXX. I do not know why the inquiries are on my report, but I suspect identity theft. I am seeking to remove the inquiries from my report and put those companies on notice of potential fraud. Attached please find my Experian Credit Report showing the fraudulent inquiries. I have erased my name from the doucment in accordance with your request to not include personal information. 

Please let me know if you can assist me in the process of removing these inquiries from my credit report. 

Thank you
Product: Debt collection

Hi, I received a phone message from someone named " XXXX '' ( sp? ) supposedly from a company named " Premiere Credit XXXX XXXX XXXX '' calling on behalf of the " Indiana Department of Revenue. '' The phone message did not leave any details, but instructed me to call ( XXXX ) XXXX. They also gave me a reference number. 

I called back. First of all, it was VERY difficult to get through. LONG hold times, and kept wanting to have me leave a message, which made me wary. 

Anyway, when I got through, it was very confusing. It was hard to understand the person I was talking to ( perhaps calling from some foreign country? ), and they were not clear about why they were calling me with the exception of the fact that ( they said ) it had something to do with the " Indiana Department of Revenue. '' They asked me for my social security number, which put me on guard. But then, the woman I was speaking to HAD the last four digits of my social security number and asked me to confirm. She also had my middle initial. That 's when I became highly suspicious and ended the call. Sounded like identity theft to me, and I was n't going to talk to them any further. The woman I spoke to did not give me a clear idea of what she was calling about. 

I have no idea what business the " Indiana Department of Revenue '' ( which I highly doubt it was ) would have with me. I live in Minnesota, and have never worked in Indiana. The last time I was in Indiana was during the XX/XX/XXXX, on a car trip with my parents. 

My only conclusion is that this is some kind of identity theft operation. I hope you 're able to get to the bottom of it. I will also be contacting the actual Indiana Department of Revenue to report this scam, as well as the attorney generals of Indiana and Minnesota, and the Better Business Bureau.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG.

I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Product: Student loan

I believe Navient misled me regarding the management of my student loans and the income-driven repayment ( IDR ) options available to me. Throughout my interactions with Navient, I was provided with inaccurate or incomplete information about the terms and benefits of IDR plans, including their potential to lower my monthly payments and lead to eventual loan forgiveness after a set period.

Instead of being guided toward income-driven repayment plans, I was directed to forbearance or other options that increased the overall cost of my loans through additional interest accrual. Had Navient provided accurate guidance, I would have pursued IDR plans earlier, reducing my financial burden and aligning my repayment strategy with my financial situation.

These actions have caused unnecessary financial hardship and delayed my progress toward resolving my student loan debt.
Product: Checking or savings account

Tried to log in to my account online and on App, received a message : = [ We locked your account to protect it from suspicious activity. To unlock it, call XXXX. ] = called the number XXXX, 4 times on XX/XX/2020, twice a gentleman answer, then hang up on me, the third someone answered with noise in the background and laugh then hangup again, the fourth time the same thing happened. 

very unprofessional and disrespectful.
Product: Mortgage

Th DHI Mortgage company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is working diligently to deny me a {$200000.00} home loan which doesnt make sense. They have been requesting me to provide them with original loan notes of a property that I am NOT a mortgage holder and my credit report reflects this information. The company seems to be working with the builder XXXX XXXX XXXX  ) who all seem to be part of the same scam ( they are the builders/ they have the escrow company/ they have the insurance company/ they are the mortgage brokers/ they are title company/they are smart home installation, etc. ) making money off the consumer and then try to not approve the mortgage so they consumer loses all their payments and purchases. I am a highly qualified individual with an impeccable financial records. They are discriminating against me as a woman, and as a honest individual. They have asked for so many documents and as i produce they want more. There is a sense of mistrust because they are scammers and feel everyone is like them. This company has gotten big and rich by scammers hard working class individuals like myself and feel if I am a woman then I am stupid. 

Please look into these peoples scam and shut them down. Thank you. 

See the attached conditional approval : XXXX note to be provided. I am NOT a mortgage holder on this property. I have provided them with loan statement showing that my name is not on it. I have signed an affidavit and yet they still are asking for the same thing. I dont have access to such document. The lender for this property will NOT even talk to me. Please help these people understand!! They are scammers get them out of the business
Product: Mortgage

FREEDOM MORTGAGE INC reported a late mortgage payment for the month of XX/XX/XXXX which is a negative mark on my credit score. The payment was late due to their entire website being under maintenance for all of XXXX and most of XXXX. Their website being down disabled all attempts at making a payment through their archaic website that looks to have been developed in the late XXXX. I took proactive measures with FREEDOM MORTGAGE INC to resolve this issue internally, including : offering to sign up for auto-pay with my bank, making advance payments for the months of XXXX, XXXX and XXXX. 

They outright refused all of my very reasonable requests. I am filing this complaint because they took almost no responsibility for their website downtime ( in XX/XX/XXXX, where everything is digital ), and refused to remove their derogatory mark on my credit report with the three major bureaus. This company needs to take responsibility of having a functional website to accept payments when they have zero leniency on late payments due to faulty web design.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account of XXXX  acct # XXXX reporting to my credit reports inaccurately to the three major bureaus. You will see that the past due amounts are different, last reported dates, as well as date last active and date of last payment. Because this information is being reported differently from to each bureau this means that the account has not been properly verified and should be caused for permanent deletion from my credit file. I have provided a copy of how the company reported inaccurate information to my credit file.
Product: Credit reporting or other personal consumer reports

For XXXX to restore my credit, based on the third dispute letter I sent on XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

There was a title loan given on the vehicle ... XXXX ... ..the vehicle was ultimately repossessed ... .the company continues to report the original loan amount to XXXX and has given no monetary credit for the vehicle ... ..the tires and rims on the truck alone was worth more than XXXX ... ... and that's not including the value of the truck itself ... .the loan amount should have been completely wiped out after the vehicle was repossessed due to non-payment ... ... .the amount reporting to the credit reporting agency as a charge off is completely incorrect! and on top of that ... ..the loan was obtained fraudulently by my brother ... ... and all the proper documents have been submitted to the agency ... ... but as I said besides all of that ... the company AUTOMOBILE ACCEPTANCE account # XXXX AMOUNT OF XXXX ... ..this is wrong on so many levels and I have tried to resolve this with no result
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX XXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the XXXX hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX. XXXX Michigan XXXX. Any information contrary to my name and address is incorrect and should be removed.
Product: Debt or credit management

I was put into contact with AmOne regarding a possible loan through lending tree. However, once put in touch with AmOne and XXXX the customer representative, he instead, said that he would transfer me to another company that AmOne worked with that could help me and save me money on my credit card bills. He would not tell me the company before I was transferred. I was then transferred to XXXX at XXXX. XXXX, that instead of explaining what his company did, that was debt consolidation, he instead went through my bills and then stated how they could negotiate with my credit card companies. I was very confused and started to ask questions. XXXX became irritated with me because I was not ready and uncomfortable with his sales pitch since I was not given explanations of what debt consolidation entailed and the costs upfront but felt pressured immediately. XXXX hung up on me instead of transferring me back to XXXX at AmOne. I called XXXX back twice with an voicemail message about the interaction. XXXX emailed me about it and I emailed him back. That was the end of my interactions with him. No apology or explanations. They need to be upfront with their business practices. It's ok if I am not qualified for loans but tell me up front what they are offering. The whole ordeal was upsetting and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts from all 3 credit bureaus TransUnion : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit card or prepaid card

there are 2 disputes on my credit card and both items and orders where canceled on one dispute the XXXX was rightly charged the merchant refunded my money, but captial one has kept that XXXX  on my account refusing to remove it and charging me interest.
on the second one i was charged XXXX rightfully. the item was defective, and i work endlessly to get the merchant to send me a return label and they never would so i filed my dispute. so the XXXX was on my account then capital one took it off XXXX. they sided with the merchant even though i could not get the merchant to corporate with me about returning the item so it sets by my door for 2 or 3 weeks, and capital one places the XXXX back on my account. and even though i used there upload link to upload the information they requested. other than a reason why the merchant would not return my funds from another merchant. other merchant is not gon na get involved in my problem. anyway a few days later the merchant sends me a return label through XXXX and XXXX picks the item up, next i upload everything to capital one and they are sending me letters that i still own all of this money even though orders were canceled or either returned once the merchant sent me the return label.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agency and companies to express i never authorized the inquiries on my credit report and they failed to remove them off my credit. The following inquiries are for the dates as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX exposed my personal data. 
XXXX offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
XXXX and Experian want to charge for credit freezes unless there is an identity theft report. 
I believe that XXXX should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that XXXX and Experian should not collect a windfall profit from the mistakes of XXXX due to the reaction of responsible citizens trying to protect their credit.
Product: Credit card or prepaid card

I am absolutely disappointed and annoyed with Chime. They have stolen over XXXX from me and they never want to refund my money or let me file a dispute. They closed my account and didn't even contact me or let me say my peace as of why my account was closed. I lost money late on bills etc. I wouldn't advise the bank to anyone. I have more evidence etc. 
There's more to the story. I even had to call the police out and filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being told that an address of XXXX XXXX XXXX XXXX XXXX, FL is being reported on my credit report this is an incorrect address it is reporting I lived at this address from XXXX which is incorrect information. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX This address should not be on my credit report at all this address does not belong to me please remove from my credit report. 

I feel I am a victim to identity theft someone is using my social security number and possibly my dob as well as my name I have gotten several alerts of accounts opened that I did not authorize
Product: Mortgage

Hi Governor, thank you for getting back to me. I have a 30 year mortgage, and I purchased my home XX/XX/1997. Long story short, a couple of years ago my escrow account came up short of {$2600.00}. When I contacted Midland Mortgage about a resolution to get caught up on my escrow shortage. The mortgage company advised us that there was an easier resolve, that they can just put the {$2600.00} at the end of our loan. Being as though we had a previous shortage from about 9 years ago placed at the end of our loan we felt that it was okay to do that. They told us is that all we had to do was to get the agreement notarized and send the papers back to them. We purchased our house for {$57000.00}. Earlier this year I started paying more attention to our remaining balance. I noticed that it states a remaining balance of XXXX. When I asked the mortgage company about it they told us that by moving the {$2600.00} escrow shortage to the back of our loan gave them the right to lock us into our mortgage with a new maturity date of XX/XX/2057. XXXX XXXX I am XXXX with XXXX XXXX, I won't be alive in XXXX. Midland Mortgage told us that they're not obligated to advise us of the new maturity date, that they're allowed to do that. I have been trying to contact legal help, I wrote to the Attorney General 's office. Please, I need help. I am a XXXX XXXX that was XXXX XXXX XXXX when I purchased my home. Very rare coming straight from project housing. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my account with Transunion for XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX They are reporting a charge off which is income. You can not have ordinary income on a credit report. They are defaming my reputation and falsely reporting misleading information on my credit report. I sent a dispute to XXXX XXXX but they sent me a stall letter saying i was using a credit repair company but i am not. But i have right use a credit repair company to help if i desired. I will XXXX the attorney general and the XXXX XXXX XXXX I gave no permissible purpose to report my information. All information on my credit report should be 100 percent accurate
Product: Debt collection

I requested the original contract that I signed with this agency and they were unable to furnish any documentation as I have never signed a contract with said company. They have yet to validate they debt they are attempting to collect and reporting a monthly account status of CO on my credit report despite a collection account not being able to be charged off as there is no contract this company has violated my consumer rights continuously and after sending disputes to the credit bureaus on multiple occasions nothing has been done a proper investigation has not been conducted. Per the FCRA my rights are being violated by this agency. I have no proof that the amount they are stating I owe is accurate because no documentation was furnished