23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan Company " Mr.Cooper '' aka Nationstar Mortgage LLC has repeatedly refused to terminate my escrow account on my home mortgage. Mr. Cooper demanded the escrow account as a condition of issuing a VA mortgage to me. In XXXX Mr. Cooper failed to make escrow payments on time for my property taxes. They were not paid in XXXX, causing me to lose tax deductions on my property taxes for tax year XXXX. There was also a late payment penalty for my property taxes, which was eventually paid. During XXXX Mr. Cooper has generated multiple escrow statements, seemingly randomly adjusting my monthly payments based on these constantly changing payment demands. Mr. Cooper has regularly claimed I did not meet the 80 % loan to value threshold on my property to qualify for ending the escrow account. Yet, Mr. Cooper would regularly send me documents saying I had hundreds of thousands of dollars of equity in my home and I could access those funds simply by refinancing with Mr. Cooper. On XXXX XXXX XXXX I submitted by e-mail multiple documents proving my property value was under their 80 % claim and they should release my escrow account. After more than a week I received a form letter saying that based on my original mortgage documents my home value did not qualify to remove the escrow. Mr. Cooper refused to use the documents I submitted- which included an XXXX XXXX XXXX property tax assessment, and refused to even acknowledge I sent them to Mr. Cooper. Since then Mr. Cooper customer service agents have all said a manager would call me back -none have ever called back. One agent gave me an e-mail address for " mortgage insurance '' at Mr. Cooper and said to send it to them - after a week I received an e-mail from that office saying they did not handle escrow accounts. No other information on who to contact to address the escrow account. Mr. Cooper customer service representatives have all said they were " opening an inquiry '' into why my escrow has not been cancelled, but the only response I've gotten from Mr. Cooper was a form letter on approx XX/XX/XXXX which said they had received my complaint and would look into it and get back to me in a month. The last time I received one of these letters I never received a response from Mr. Cooper. 

I understand Mr. Cooper was the subject of a previous investigation and entered into a consent decree in XXXX. I wonder if this conduct violates the consent decree?
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> RE : Letter to Remove inaccurate information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data to this account is reporting accurately including every notation, date and balance weather reported or not. 

Account Dept of ED/XXXX  Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payment were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors that have requested a copy of my credit report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided 15 days of the completion of your reinvestigation. I also read that under the federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate this items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an update copy of my credit report to the above address. 

Thank you for your time and help with his matter. 

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

In accordance with the Fair Credit Reporting Act, Monroe & Main Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open an end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed below is a loan I didnt apply or agree thats been on my report for 6 years XXXX XXXX XXXX  Last reported XX/XX/XXXX {$9600.00} Reported balance Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXm submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TRANSUNION XXXX XXXX ( XXXX ) XXXX XXXX XXXX bought my debt and also since reopening this account on my credit report the the balance increased.Wviolation under 15 US CODE 1692c ( 2 XXXX XXXX XXXX XXXX XXXX did not have my authorization to run my credit ( XXXX ) XXXX XXXX XXXX Did not have my authority to run my credit. 

( XXXX ) XXXX XXXX XXXX  did not have my authorization to run my credit. 

( XXXX ) XXXX XXXX Did not have my authorization to run my credit. 

( XXXX ) XXXX XXXX did not have my authorization to run my credit. 

( XXXX ) XXXX XXXX XXXX was not authorized by me to run my credit
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( NATIONAL CREDIT ADJUST ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( NATIONAL CREDIT ADJUST ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( NATIONAL CREDIT ADJUST ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( NATIONAL CREDIT ADJUST ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of NATIONAL CREDIT ADJUST reporting services. NATIONAL CREDIT ADJUST is also a third party debt collector that I have not contracted with ever. Therefore they have no right to try and collect a debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified through XXXX that there was a credit alert on my account. The alert said that XXXX  was trying to reach me and was unsuccessful. My email and phone number have not changed in well over 10 years and I have lived at the same address for nearly 7 years. I immediately logged in to my XXXX  account and could clearly see that my contact information had not changed. I reached out to XXXX  via their online chat and I was told by the agent that my contact information had " inadvertently been removed '' and that I would need to contact XXXX  by telephone. I explained that I was looking at my contact information on the XXXX  wesbite and that it had not changed and was not removed. The agent told me that there was no contact information on their end, despite me receiving monthly statements by mail regularly. I filed a dispute through Experian which resulted in " the information you disputed has been verified as accurate ' when in fact the information is not accurate. My contact information never changed and if XXXX  was unable to locate my contact information, it was through no one 's fault but their own. I have attached the chat log in which the agent admits that the problem with the missing contact information was in fact the fault of XXXX.
Product: Credit reporting or other personal consumer reports

due to the nature of the report ..it is being reported to the three credit bureaus with different information .different dates of openings, incomplete account #, high balance across the three credit bureaus are different, date last verified are inaccurate, date of last activity are different across all three credit bureaus, opening dates are different across all the three credit bureaus, closing dates are in correct, and last payment is questionable.
Product: Credit reporting

Family with similar names and SS that only changes by XXXX-XXXX digit. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months goes back to square one. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.
Product: Mortgage

We were enrolled in a PMI escrow account at the time of closing on our home, in XX/XX/2018, with XXXX XXXX XXXX XXXX, ( XXXX  ). We recast our loan in XX/XX/2018 and paid it down to a LTV of 44 %. We were instructed by XXXX to submit an email in order to discontinue our PMI escrow account and meet criteria of not any missed payments and a LTV of 80 % or less. We have met all of the above requirements and submitted the email request for cancelling PMI. XXXX responded stating we will have to pay a fee of {$100.00} and pay for another appraisal on our home. 
We requested that XXXX use the most recent appraisal on our home that was performed in XX/XX/2018, but have not received a response. 
We have since learned that this lender is not complying with a Federal law called, " The Homeowner 's Protection Act, '' which requires lenders to automatically cancel PMI enrollment when a loan falls below 78 % LTV.
Product: Credit reporting or other personal consumer reports

I have been submitting information to Experian Credit Reporting agency to block information from my personal credit profile that was due to fraud and identity theft. I submitted multiple forms of personal identification including a valid government issued ID, birth certificate, social security card, various forms of proof of address including a letter from the United States social security XXXX and a current bank statement. Furthermore, I provided them with a copy of my FTC report, correspondence from XXXX XXXX XXXX as proof of report, and law enforcement case number, and a statement from myself. 

I received a letter from Experian stating they would not honor my request to block the incorrect information in accordance with XXXX because I did not provide evidence that this was reported to law enforcement. THIS IS INCORRECT. 

I made contact with Experian 's XXXX prevention team today who told me that the police report information was attached to my dispute on XX/XX/year>. However, they repeatedly refused to acknowledge my request to block the accounts under FCRA XXXX because they said they don't do that, they have XXXX  days not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with Experian regarding a dispute with XXXX XXXX XX/XX/2021. I paid my lease on time and handed the car back. I showed proof to both XXXX and Experian that my car was returned and the loan was satisfied. 7 months later I was billed the disposition fee which I included the dated bill and proof to both companies. The not only did they not correct it but destroyed my car buying credit. I have sent multiple request to correct this since XX/XX/2021. Please help They noted I was late from the time the car was returned, up until the disposition fee
Product: Debt collection

I submitted my loan towards XXXX XXXX a few months ago for XXXX XXXX. Today I have received a letter in the mail stating that {$25000.00} was sent to collections. This is not correct. I filled out a loan for the amount that I owed XXXX college and it confirmed that the loan was all set. Now I have this {$25000.00} in collections and can not go about paying for this without a loan. This will be under my belt for the rest of my life. I was never notified that it did n't go through or that the money was going to be sent to collections. I 'm very upset that this has happened and would like to solve this problem asap. Whether that means taking the money out so I can process the loan again or I 'm going to have to find other ways for this to be solved.
Product: Payday loan, title loan, or personal loan

I already filled a complaint for my wife line of credit ( XXXX ). Now I have the same or worse problem. We moved to XXXX from XXXX, 4 years ago. Our lines of credits were closed 5 years ago but the bank was charging us XXXX dollars every year. I tried to pay the bank in different ways but none worked. I used bill pay, transfer and wire transfer from XXXX XXXX XXXXXXXX ( my bank ). Nothing worked. I sent XXXX dollar by bill pay, it took 10 days and XXXX had to sent a check because they refused the money. I transfer a XXXX dollars and 10 days after I received a call from Santander asking me what to do with the money ( another check ) Finally, by my bank suggestion, I did a wire transfer for the amount owed XXXX on XX/XX/21 and 2 weeks after the money was back to my XXXX account without any explanation why. I spoke with few CS, few supervisors and finally with a Manager who said that I was receiving a refund for the fees charged. I received the refund but after few days I was charged again making the checking account becomes negative. I asked everybody to close the checking account because was not use for us, Santander DOES NOT HAVE A BRANCH IN SC. They want us to go to RI to close it ( travel expenses are more than a XXXX dollars ). Because they refused the money and reported us to the credit bureau, we decided to use the money to pay other loans that we have, like credit cards and bank loans.
Product: Credit card

A bunch of purchases out of state occurred Ive sent pictures with all dates and times of the events down below and my card was being charged and even went over balance and now i have to pay back and ive reported it to capital one, it is a capital one XXXX XXXX credit card for students
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unresolved Identity Theft Incident Resulting in Fraudulent Charges and Credit Report Discrepancies Dear CFPB Agents I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report. 

A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my Apple Wallet, including a particularly significant fraudulent charge on my XXXX Credit Card issued by XXXX XXXX. 

The account details for the fraudulent charges are as follows : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The total unauthorized charges on this account alone exceeded {$100000.00}. 

Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureaus XXXX, TransUnion, and XXXX as part of my dispute process. 

Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that these credit bureaus have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent XXXX card is still unjustly affecting my credit report. 

Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent XXXX card removed from my credit report promptly to prevent further damage to my financial wellbeing. 

Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/1976 SS # : XXXX My phone number is ( XXXX ) XXXX
Product: Mortgage

I reached out to the servicer in XX/XX/2023 about the payment being sent from the Maryland HAF program that would have brought me current up until XX/XX/2023. The Loan officer told me that it would take 3 weeks for the payment to be applied to my loan. They would send me something in the mail with the update about everything applied which should have been for {$13000.00}. I told her that I was worried about the foreclosure and she assured me that no further action would be taken because they had the money to resolve my back missed payments. Fast forward to XX/XX/2023, I received a call from a bill collector from US Bank stating that my account was still delinquent. I explained to them that I was confused because I was told that the funds from MD HAF program would be applied to my account and I would be caught up. The representative apologized and stated they were noting the account that the payment needs to be applied to my mortgage. The same thing happened for XX/XX/2023. Here I am in XX/XX/2023, and the payment still hasn't been applied to my account. I have inquired several times and been given the runarounds about the payment but constantly harassed by phone at home and at work. My online account doesn't show an updated amount and doesn't give allow for a payment to be made at all. I am afraid that the servicer is trying to make me go into default again by making my payment double so I will be behind all over again. I firmly believe they are trying to make my interest rates go up and foreclose on my home purposely. I am trying to keep my home but this servicer has been very difficult to contact and resolve the issue that I clearly got resolved by getting help from MD HAF program. This servicer is trying to make me lose my home by delaying applying the payment on their end for the past 3 and a half months.
Product: Debt collection

To Whom It May Concern, I am writing regarding a debt you claim I owe, which you referenced in your recent communication dated [ XXXX XXXX XXXX XXXX XXXX ]. I am formally requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I also request a copy of the original assignment contract to verify your legal right to collect this debt. 

Please provide the following information : Validation of the Debt : The amount of the debt, including a breakdown of principal, interest, fees, and other charges. 
The original creditor 's name, address, and account number associated with this debt. 
A copy of the original contract or agreement that establishes my obligation to pay. 

Proof of Assignment : A copy of the contract of assignment or other legal documentation proving that you have the authority to collect this debt on behalf of the original creditor or any subsequent assignees. 

Account History : An itemized statement of all charges and payments related to this debt from its inception. 

Confirmation of Your Authority : Your debt collector license number and the state ( s ) where you are licensed to operate. 

Please consider this letter a formal dispute of the alleged debt until you provide sufficient evidence that validates your claim. I also request that you cease all collection efforts, including phone calls and written communications, until the requested documentation has been provided. 

If you can not validate this debt, I request that you notify me in writing and remove any negative information related to this account from my credit reports, as required by law. 

Under the FDCPA, you are required to provide this information within 30 days. If you fail to comply, I reserve the right to pursue all legal remedies available to me under federal and state law. 

Thank you for your prompt attention to this matter. Please direct all future correspondence regarding this debt to me in writing at the address provided above. 

Sincerely, XXXX XXXX