23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Vehicle was repossessed and returned to me the same day with payment and negotiated agreement 2yrs ago. No payments since were reported to credit bureaus after several complaints. The vehicle was later totaled in wreck mid 2019 but monthly payments were still made and never reported. An agreement was then made to pay a negotiated pay off amount of XXXX divided into 4 payments. The last payment was granted to be divided into 2 payments and made only a few days apart in XXXX due the Covid 19 and temporary Job loss. The final payment was completed on XX/XX/XXXX. On XX/XX/XXXX I called Santander over 6 times over the course of 3 hours to confirm confirmation of the final payment being made and to ask what the turnaround time would be before being reported to the credit bureau, but the automative service continuously disconnected me and became a dial tone each time. This has thus far been the absolute worst and unorganized company to work with and has caused many credit score issues. Its paid in full and I just need it disappear from my life completely in order to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report .It has been well over 30 days and I havent reviewed any investigation results.
Product: Mortgage

My ( XXXX XXXX XXXX XXXX ) escrow account was short for this year because we had built a new home and taxes were based off the lot appraisal only. I ( XXXX XXXX XXXX ) contacted Penny Mac Loan Services on XX/XX/XXXX. Because our escrow was short we were making a payment of {$1700.00} to make up the shortfall. I decided to make one lump sum payment of {$2800.00} to pay off the escrow shortfall with a confirmation number supplied by Penny Mac Loan services of XXXX. It was drafted from my bank on XX/XX/XXXX. 

I very specifically asked if our new payment of {$1300.00} ( normal payment less escrow shortage ) would start on XX/XX/XXXX. The Penny mac representative assured me my new payment of {$1300.00} would be effective that date. 

On XX/XX/XXXX I logged into my Pennymac account and noticed it still showed {$1700.00} due on XX/XX/XXXX. I again called Penny Mac customer service. They again assured me only the correct amount of {$1300.00} would be billed to my account on XX/XX/XXXX. 

On XX/XX/XXXX my autopay payment had not been subtracted as normal. I called to verify that no changes had been made that effected autopay. They stated that the payment would be debited on XX/XX/XXXX because the first was the Friday. And stated for now THE THIRD TIME that my payment would be {$1300.00} as I had paid off the escrow shortage completely. 

On XX/XX/XXXX. After three different representatives stating my payment would be {$1300.00} because of paying off the escrow shortage in total Penny Mac billed me {$1700.00}. They stated they " messed up ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

The security verification is incorrect. 
I do not recognize any of the loans that the security verification recognizes and I noticed that the month and the year that the loans were issued I wasn't even in town. 
I noticed that sometimes two different individuals with the same name might get confused with each other so I just wanted to make sure that this is not the issue. 
If this is not the issue then I need help getting into my account but I do know that information that it's requesting me to verify is inaccurate.
Product: Debt collection

RISE Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Product: Mortgage

I went through a series of unfortunate events that made fall behind in my mortgage in XX/XX/XXXX, I tried to modify my mortgage for many times, we even went to court but the modification was to pay even more than the original amount. My last resource was to do a short sale but after an approval letter on XX/XX/XXXX, my realty was told that the approval failed. We do not understand what is going on with Wells Fargo but they really want me to lose my house to a foreclosure. My realtor has a buyer with the money ready to close on the house for over one year now the bank has all the paperwork that they asked for and told us it will be 2 weeks, now is like 6 months. 
I will really like to get to the bottom of this, its being 7 years now in XXXX XXXX that I am trying to save my house but all efforts have failed. I went through a divorce, my son going to college and me losing my job, all legitimate situations. I have proof all of the modifications attempts that were failed. I really believe that Wells Fargo has made this impossible for me. I feel that I being violated and will like to get justice on it. At the end of all I will like to stay with the house, I have it for a long time but when the houses devaluated in XX/XX/XXXX, all my nightmares began. 
Can you please help me, my telephone is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Thank you.
Product: Mortgage

Hello, I am writing to you because I am very frustrated with Chase, this is my 2nd time applying for a Short Sale to avoid a foreclosure. On the 1st offer received 12 months ago, Chase decided to deny the offer because the Investor which is Chase did n't feel like working with that Buyer. 

On the 2nd Buyer that submitted the offer after 6 months under review they denied my short sale once again because the offer was too low. So Chase told me in order to dispute the Value I will have to pay for an appraisal out of pocket if I did n't want to loose my home. 

Since I had no Choice I paid for the appraisal to dispute the value, now that my dispute was valid. Almost 2 months later waiting patiently for Chase to give us the approval. Chase email us giving us another excuse stating that our Short Sale was denied because Chase ( investor of the loan ) feels that I do n't deserve a short sale!!!! 


I feel very frustrated and discriminated by Chase since this is not my 1st time trying to get a Short Sale approval. I have done everything right and its not fair for Chase to take advantage of me and my family. Please please help me end this nightmare. 




XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX and XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Name : XXXX XXXXXXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute the inaccurate information reported by your company to the credit reporting agencies, specifically regarding the above-referenced account. The details furnished to XXXX, XXXX, and Equifax are incorrect and do not align with the legal definitions of a charge-off or collection. 

The following errors have been identified : Account Number : XXXX Account Name : XXXX High Balance : {$920.00} Date Opened : XX/XX/XXXX Balance Owed : {$250.00} ( as of the most recent reporting dates ) Account Status : Charged off as bad debt Dates Reported : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a furnisher of information to ensure the accuracy of the data you report. As per my understanding, a debt can not be classified as both a charge-off and a collection simultaneously. Once a debt is charged off, it should be treated as canceled, and a Form 1099-C should be issued.
Product: Credit card or prepaid card

I received a letter from Chase entitled " Important Changes to Your Account Terms '', specifically as it pertains to a credit card of mine ending in XXXX. It states that my new Purchase APR will climb by 6.99 % to 11.24 % as ofX/XX/18. It also stated that if I have issue with this rate change and want to " Reject '' these changes I should contact Chase by mail at Cardmember Services, XXXX. XXXX XXXX, XXXX, DE, XXXX. I did write a letter to state that I had been a faithful Credit Card customer for more than 15 years. In that time I stated that I had never been late, had always paid on time ... however, I have never had my APR remain the same or diminished. I have spoken to several representatives who continue to give me the party line which states that my account is constantly reviewed. I never know when it is reviewed either annually or otherwise. As I mentioned earlier I have never had the APR diminished or remain the same. I was also insulted after writing a letter to Cardmember Services that I received a form letter from XXXX XXXX, Customer Service Specialist in which he did not address any of my reasons or thoughts for wanting the Credit Card APR to remain the same or to have it decrease. I find that there is no incentive for Chase on this particular card to a faithful credit card customer and am deeply disappointed in their reaction to my pleas.
Product: Credit card or prepaid card

I was first made aware of a " late payment '' via email in early XXXX of XXXX. I contacted Upgrade, and asked why is this happening because I'm enrolled in auto pay. I further found out, that the late payment amount was {$.00}. I was told by the representative, that this had to be an error on their end. I said " ok, but, how about you take the {$.00} just in case. '' I was told " NO! '' I then said, " take a XXXX, or XXXX or XXXX even, I don't care, I just don't want a late payment on my credit reports. '' I was assured that they would look into the matter. I finally received an email mid XXXX, stating that it was a mistake on their end and that, " I would be made whole. '' Now in mid XXXX, a late payment was reported to the credit bureaus for XXXX. This is now the third time they have made a report to the credit bureaus for the month of XXXX. Again, first, I am enrolled in auto pay and second, it's all over {$.00}. Last, I told them to take the money out of my account in the first place to avoid exactly this situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Experian are reporting an account on my credit incorrectly. I have contacted the company from which I had the account ( XXXX XXXX XXXX  Credit Card ) to have it corrected. The company sent me all of the documentation from my account. I disputed the reported information with both agencies twice in writing via certified mail by submitting the documentation from the creditor to have it fixed. All disputes were closed without the correct information added to my report. Both agencies actually did change the information making it worse and are now reporting it in a manner that is hurting my credit score even more. I am trying to purchase a home and this is hurting my score which could impede my ability to buy or cost me more money on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. {$17.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX # XXXX. {$2400.00}. XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX, XXXX and Experian about an account ( XXXX XXXX card ) that's on my report it was open fraudently by an family member
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on Equifax reports have factual information that conflicts with XXXX and XXXX reports : XXXX : a ) Equifax lists the account as 30, 60 & 90 days late in XX/XX/XXXX & XX/XX/XXXX ; & XX/XX/XXXX ; XXXX & XXXX show pays as agreed, never late. b ) Account closed indicates XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX lists account not closed. c ) Date of last activity, shows no date of last activity, XXXX says XX/XX/XXXX, XXXX says no date of last activity. 

XXXX XXXX XXXX Account XXXX XXXX : a ) Equifax lists the account as 30 & 60 days last in XX/XX/XXXX & XX/XX/XXXX ; XXXX indicates XX/XX/XXXX & XX/XX/XXXX ; b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX XXXX c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Account type shows credit card, XXXX says line of credit. 

XXXX XXXX XXXX Account XXXX XXXX : a ) Equifax lists the account as 30 days late in XX/XX/XXXX ; XXXX indicates 30 days late in XX/XX/XXXX. b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says XX/XX/XXXX. c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Date of last activity shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says no date of last activity.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$4600.00}, credit account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$580.00}, a credit account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$3200.00}, and a Auto loan opened at XXXX on XX/XX/XXXX under account number XXXX with a balance of {$7000.00}, credit account opened at XXXX on XX/XX/XXXX30th 2022 under account number 8A2579XXXX with a balance of {$2500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Mortgage

I AM EXERCISING MY RIGHT TO LOAN CANCELLATION WHEN MORTGAGE FRAUD IS PROVEN ... WE HAVE MULTIPLE COUNTS # 1 ... DEFENDANT NATIONSTAR PLEAD GUILTY TO MORTGAGE FRAUD IN A CLASS ACTION LAWSUIT I AM A PLAINTIFF IN. Mortgage holder XXXX XXXX won this lawsuit as a plaintiff. COPY OF GUILTY PLEA ATTACHED # 2 ... FOR THE 6TH TIME, NATIONSTAR STOLE A MONTHLY PAYMENT WHEN I TRIED TO PAY MY LOAN AHEAD ... My XX/XX/2021 payment was stolen. I want a copy of the digital recording of my call sent to my email address @ XXXX immediately in case loan is not cancelled as required by law. COPY OF STOLEN PAYMENT ATTACHED # 3 ... NATIONSTAR ILLEGALLY CHARGED 36 LATE FEES ON XX/XX/2021 ... TO COLLECT ILLEGAL ATTORNEY FEES THEY ADDED YEARS AGO .... This repeated mortgage fraud is an active case with the XXXX XXXX XXXX Department. All of this evidence will be added to the case against XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. A REMINDER FOR ALL ... There is no statute of limitation in Florida if the defendants are out of state. ALL defendants are out of state. Florida is no stranger to out of state crime. XXXX XXXX is a good example of an old case gaining new traction. 

# 4 ... NATIONSTAR IS STILL COLLECTING AND POCKETING PMI ( MORTGAGE INSURANCE ) .... PMI WAS REMOVED FROM THIS ACCOUNT LONG AGO. .... ( COPY ATTACHED ) # 5 ... PROVIDING AN ILLEGAL PREPAYMENT AMOUNT ... Nationstar is requesting {$110000.00} ... Loan balance is {$110000.00} ... 100 % FRAUD Nationstar, and XXXX XXXX who initiated this loan with fraudulent loan origination paperwork, continue to put themselves at legal and criminal risk with blatant and flagrant legal violations. 

We have retained all of the written evidence from the past and have added this new evidence to the file for this case. If needed, we will accelerate the criminal side of this proceeding in Florida, and also with the FBI which has the file that was referred to them by XXXX XXXX Law Enforcement. These are real files. You answered real subpoenas. Our evidence and both cases are real. 

IF you refuse to cancel the loan as required and we are forced to seek additional financial relief in a Florida civil court again, please know we saw the entire defense ... and I found an attorney that not only despises banks ... he wins ... and gets the $ $ . If forced, we will seek the max amount from all involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago and to no prevail we have sent FTC report and affidavit as well as police report to XXXX XXXXXXXX, the bureaus, affirm, and XXXX the credit reporting agencies to ask for this incorrect information to be removed and blocked which appears to be a closed account. The account was removed but the creditors continues to re report it to the credit reporting agencies monthly. The account was taken over fraudulently during the ownership of the account and was not able to be recovered by the consumer.
Product: Debt collection

on or about XX/XX/year> sent communication to company to validate said debt. No response received.
Product: Debt collection

Debt is a result of identity theft XXXX XXXX XXXX Account # XXXX Opened XX/XX/2021 Balance XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Debt not mine I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AR XXXX, XXXXXXXX XXXX XXXX Balance : {$32.00}, XXXXXXXX XXXX XXXX Balance : {$21.00}, XXXXXXXX XXXX XXXX Balance : {$69.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX