23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper Mortgage Company Attn : Customer Service Subject : Urgent Matter Mortgage Payment Adjustment Dear Mr. Cooper Mortgage Company, I am writing to express my deep concern and frustration regarding recent changes to my mortgage agreement that have left me in an extremely challenging financial situation. 

I have been a customer of Mr. Cooper Mortgage Company for several years, and I have always valued the professionalism and service provided by your organization. Unfortunately, recent adjustments to my mortgage payments have put me in a difficult position that I never anticipated. 

The initial agreement we entered into for a 3.5 % refinance package, sent at the beginning of this tumultuous period, seemed to be a viable solution to my financial needs. Regrettably, I have observed that the terms of this agreement were not honored, and my mortgage payments have now increased to an unmanageable {$3900.00} per month at a 7.5 % interest rate. 

As a result of this significant financial burden, I find myself unable to cover essential expenses such as utilities, my car loan, insurance, and even basic necessities like food for myself and my dogs. I am currently on XXXX XXXXXXXX, receiving {$1300.00} a month, and my car loan alone amounts to {$1000.00} monthly. This situation is unsustainable, and I am struggling to comprehend how I am expected to maintain a reasonable standard of living under these circumstances. 

I understand that economic conditions can change, and adjustments may be necessary. However, the lack of proper guidance and information from your company 's representatives has compounded my difficulties. Given the severity of my financial predicament, I have filed for XXXX XXXX XXXX 

I am reaching out to you in the hope that we can find a solution to this matter before taking such drastic measures. I request a thorough review of my case, taking into consideration the initial terms of the 3.5 % refinance package that was proposed. I am willing to work collaboratively to find a payment plan that aligns with my financial capabilities and preserves my ability to meet essential living expenses. 

I appreciate your prompt attention to this matter and look forward to a constructive resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

My lawyer info is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX : XXXX XXXX F : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX Loan # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : XXXX XXXXXXXX XXXX  XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. Thank you in advance for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

I have be using Coinbase and XXXX for cryptocurrency Investments, however on XX/XX/XXXX my account got " disabled '' for an unknown reason, I have tried contacting support multiple times since then but still have not gotten an answer or a solution. I have access to my coinbase account, however my money is all kept on XXXX   which is owned by coinbase, when I try to log in it tells me that I need to contact support, but I get no answer from them. The account has over 8000 dollars in it and also some cryptocurrency of a value of more than 1000 dollars. I need to be able to access my XXXX  or have all my assets in XXXX  transferred to coinbase for me to withdraw them.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XXXX/XXXX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A 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 end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

mortgage service company ( XXXX XXXX XXXX ) is not disbursing insurance funds for repairs caused by a faulty appliance. I have attempted to contact XXXX XXXX loss mitigation office on 5 separate occasions and was told they do n't have the necessary files and that they have recently taken over the handling of the loss. I was asked to call back in a couple days and this has gone on over two weeks. I requested they expedite the matter and was told they had no information and to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX stated that Flex Finance mentioned I may have been a victim of fraud with this account that shows on my consumer file. As of today XX/XX/2022 XXXX has updated the account from it showing 30 days past due on my report but reporting 60 days to it now showing on my report as 90 days past due. All this information is incorrect and XXXX is allowing Flex Finance to report anything on my file. This needs to stop immediately please. Not only is the information is inaccurate, but its showing up on my XXXX report inconsistent with accurate but also false information. I have sent XXXX a copy of my ID theft report along with circling the inconsistencies and now reporting a whole 90 days past due
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TransUnion, XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible thats the reason however based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. 

NONE of the inquiries EXCEPT the ones I have direct accounts should be on my consumer report AT ALL! Please fix I will charge for each one that is reporting fraudulently!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, I formally requested EQUIFAX to block and remove these unauthorized accounts from my credit report. The fraudulent accounts include : UNKNOWN Account Number : XXXX XXXX XXXX Account Number : XXXX Despite my request and legal right to have these accounts removed, EQUIFAX has failed to take proper action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. Additionally : 15 U.S.C. 1681i mandates a reinvestigation and removal of unverifiable information. 
15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or fraudulent information.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires credit bureaus to notify other agencies of removed fraudulent accounts.

I have provided all necessary supporting documents, yet XXXX has failed to comply with its obligations under federal law, allowing fraudulent accounts to remain on my report.
Product: Credit card or prepaid card

XXXX XXXX almost XXXX home depot
Product: Checking or savings account

I opened a new TradeStaiont Crypto account for the {$500.00} bonus on XX/XX/2022. I have met all the requirements of their term. And I have waited more than 70 days for the bonus. I contacted them about the problem with my bonus. But they replied to me with different terms to refuse me the bonus I earned. I have their old term screenshot from when I opened the account. And the screenshot of their new term on their website now. They are a company cheating the customers. Please help me, don't let this kind of company keep cheating the people.
Product: Credit reporting or other personal consumer reports

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section XXXX XXXX, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( XXXX ) 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. Lastly, 15 USC 1681 s-2 ( a ) ( XXXX ) 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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries.

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 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 or other personal consumer reports

This account was charged off on the following date ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Yes I have two accounts with this Midland credit management and it's through XXXX XXXX  i been getting all kinds of letters from this bank XX/XX/2020 and they been trying to get me to pay this amount XXXX XXXX and I've done told them I cant pay because I have a fixed in come and i they been sending me all kinds of letter for this it's going on for a year now with this company and the second account I don't even have any more
Product: Student loan

ACS/XXXX XXXX XXXX / XXXX ( this was a private loan ) ... ACS began servicing this loan in XX/XX/XXXX. There were never any payments made on this loan. Payments were to begin on XX/XX/XXXX. This account should have been removed from from reporting agencies in XX/XX/XXXX. This information is being reported differently on all XXXX reporting agencies : XXXX : ACS/XXXX XXXX XXXX / XXXX. Reporting date of first delinquency as XX/XX/XXXXXXXX : XXXX - XXXX / XXXX ACS. Reporting date of first delinquency as XX/XX/XXXXXXXX : ACSXXXX XXXX. Reporting date of first delinquency as 60 days past due as of XX/XX/XXXXACS is telling me that I need to contact XXXX XXXX to resolve this issue. XXXX XXXX is no longer in business. All the numbers for XXXX XXXX ring back to ACS. ACS is telling me that they are not responsible for reporting because they no longer have the account.
Product: Credit card

Please review the attached documents. I request the bureau to initiate an investigation into these accounts, as they incorrectly report me as late even though I have never been late.
Product: Credit card or prepaid card

I tried to get to the bottom a Foreign Transaction Fee charged to my account. When I called the first time the customer service representative, CSR, lead me to believe it was XXXX fault. When I called XXXX, they had no record of this charge. 

I call the bank back to inform them there was not record of it at XXXX, the CSR, said it was a fee the bank charges. She said it was in the fine print. 

This is wrong. How am I to know when am going to be charged a Foreign Transaction Fee when shopping on the internet? The CSR went on to say it was in the fine print of their paperwork. This will not help me when shopping on the internet. I won't know until I am charged the fee.
Product: Credit reporting or other personal consumer reports

I was looking over my credit file and I found several account items the I do not recognize and inaccurate information as well. Under FCRA 623 AND 611 the following account are in violation of 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE FILED A FTC ID Theft Affidavnt AND XXXX POLICE REPORT.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Violations of Consumer Rights by XXXX XXXX XXXX Dear [ CFPB Representative ], I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of my consumer rights. Despite numerous attempts to resolve this matter directly with XXXX XXXX XXXX, I have not received any responses or assistance, prompting me to seek intervention from your esteemed agency. 
As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and obligations regarding the handling of my personal information. Specifically, I refer to 15 USC 6082 and 15 USC 6805, which outline the protections afforded to consumers in matters concerning the accuracy and privacy of their credit information. 

In light of XXXX XXXX XXXX 's failure to address my concerns and provide adequate resolution, I hereby exercise my rights under 15 USC 6802 to opt out of any and all authorization, whether written, verbal, or non-verbal, that I may have previously granted to them. This opt-out request is effective immediately. 

Furthermore, I assert that as a consumer, I am protected by all laws stated in the Privacy Act of 1974, which safeguard my privacy rights and regulate the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Despite my efforts to communicate with XXXX XXXX XXXX and seek a resolution to this matter, their lack of response and apparent disregard for my rights as a consumer compel me to escalate this issue to the attention of the CFPB. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant consumer protection laws. Additionally, I seek guidance and assistance in resolving the issues I have encountered with XXXX XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. 

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

XXXX allowed an inaccurate account to be furnished on my credit report. XXXX did not investigate this account prior to it being placed on the account. Consumer has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that Nationwide Recovery Systems , Ltd shared or furnished my personal information to another creditor without my CONSENT, which was with the National Recovery Agency. XXXX XXXX XXXX provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my credit score decrease significantly and has had an adverse impact on my credit.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I opened TD XXXX Credit Card on XX/XX/XXXX. In the credit card terms and conditions there was no foreign transaction fee listed. Today when my statement closed I noticed that TD Bank had started charging me foreign transaction fee since XX/XX/XXXX. TD Bank didn't send me any notifications about changes in fees. When I called TD Bank customer service looking to have this issue resolved, they confirmed the change in fees but refused to refund any of the fees charged. I believe that my consumer rights have been violated as TD Bank has added new fees without informing me as a customer.
Product: Debt collection

There was no debt in the first place since I paid the repairman on site and received a paid receipt via email, which I have retained in XX/XX/2022. The requested amount is $ XXXX.Now I am receiving constant mail from a collection company that I owe them the money. I talked with a person from the collection company on XX/XX/2022 and sent him a copy via email of the receipt, however they keep sending collection notices.
Product: Credit card or prepaid card

It's been 20 days ( as of XX/XX/XXXX ) since Capital One learned of their massive data breach of credit card customers. I have used their credit services since XXXX, and to date have received NO communication from Capital One regarding the hack or what information of mine was compromised. They only have general information and FAQs on their website. I just called customer service and they could not tell me what information of mine was compromised, including potentially my SSN and outside bank account number. Their lack of transparency regarding my own information after nearly 3 weeks is very concerning and I want answers.