23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX my contract was sold to Shellpoint Mortgage. My contract specifically states that I am to pay my own homeowners insurance. Shellpoint/NewRez took it upon themselves to pay the insurance in XX/XX/XXXX for {$560.00} after I had made my payment to XXXX XXXX for {$120.00}. XXXX returned my payment to me. I contacted them to find out to my surprise that Shellpoint/NewRez had already payed them.I informed them that Shellpoint/NewRez was not suppose to do that because my contract states I pay my own premiums. For 8 months my mortgage amount did not change so in XX/XX/XXXX I re-embursed Shellpoint/NewRez the {$560.00} thinking that this would correct the problem. It didn, t. It made it worse. In XXXX of XXXX Shellpoint/NewRez raised my payments to {$800.00} a month from {$670.00}. I contacted them and asked why they did not credit my account with the {$560.00} payment I made back in XX/XX/XXXX. I was told they didn, t know. I then asked them why they paid my insurance they told me that they can.The rep told me that she was looking at a document that said that my insurance was in escrow.So I asked her to send me a copy of it and she then told me that I couldn, t request a copy and then hung up. I was not given credit for the {$560.00} that I sent them untill XX/XX/XXXX. It took them two and a half months to finally credit the payment. In XXXX of XXXX I received notice from XXXX XXXX that my premiums were due. I paid them on XX/XX/XXXX in full {$580.00}. To my surprise on XX/XX/XXXX Shellpoint/NewRez paid the premiums again. They then started to come after me for it and took my mortgage payments and applied them toward the insurance premiums putting me in default. I contacted them by phone and by mail to get this corrected and they put me in pre-forclosure. They now say that I am a month behind on my payments. They also raised my payments to {$970.00} a month now. They hit me with late fees that I should not be hit with because this was clearly their mistake. When a company purchases your contract aren, t they suppose to abide by the terms and conditions of the contract? They say they don, t have to because the Deed of trust says that they can do this. So then why do we even sign contracts anyway if they don, t abide by it. This is a problem that they refuse to correct.My payment should only be according to my contract {$670.00}. They now say that my payments are suppose to be {$720.00}. I don, t know if you can do anything about this I would really appreciate it. Thank You!
Product: Debt collection

I XXXX XXXX hereby confirms that a debt collection submitted against me by a debt buyer is in fact a complete scam. The original creditor known as XXXX XXXX XXXX XXXX. securitizes all of its debt portfolios. In essence, my original credit card debt was sold off to a securitized investment pool. XXXX XXXX XXXX XXXX. was never in a position to acquire this debt from a position in any securitization unless my credit card debt was a matter of public record. The debt purchaser known as Resurgent/LVNV Funding has shown no licensing agreement with the state of Tennessee, nor has it proved ownership by a valid transfer of debt. This collection is within the legal definition a scam initiated against a consumer, and this is not an isolated matter. Accordingly, I demand actions by the Consumer Financial Protection Bureau, the Federal Trade Commission and the Federal Deposit Insurance Corporation to review my complaint. The debt collector can not prove ownership as my information was acquired through a debt pooling arrangement with the original creditor. At no time was there anything conformation of a debt ownership transfer, nor can there be given proof. My credit report has been tarnished because of this scam. XXXX XXXX XXXX XXXXXXXX. is not in a position to re-acquire the debt from a debt buyer, as they have already claimed ownership and the right to sell the debt to a third-party. XXXX XXXX XXXX XXXX. does not own this debt since the placement into a securitized investment. This scam is complicit with both the debt buyer Resurgent/LVNV Funding and XXXX XXXX XXXX   XXXX, an FDIC insured financial institution. XXXX XXXX XXXX  FDIC Certificate Number is XXXX XXXX XXXX, XXXX, simply referred to as XXXXXXXX XXXX XXXX  , is a U.S.-based bank specializing in credit cards. It has corporate offices in XXXX XXXX, Nevada. The bank is held by XXXX XXXX XXXX, a bank holding company registered in Nevada. [ 2 ] XXXX XXXX XXXX is a wholly owned subsidiary of XXXX XXXX XXXX, XXXX. [ 3 ] As of 2017, XXXX XXXX XXXX   services more than XXXX XXXX cardholders across the United States. This debt collection must be dismissed completely and my information purged from all future collection practices. The references placed on all pertinent credit bureaus must be deleted permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible.

XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

( All documents will be attached ) My Wife and I were discriminated by Chase bank, we applied for a loan with them seeing we had good standing ( XXXX ) bank accounts with Chase ; over $ 64XXXX in savings ( obtain in less that 3 1/2 years ) and great credit scores, plus a combined 12 years with the bank. In fact we got pre-approved and had final approval but weeks before the final close they denied our loan stating : * Excessive obligations in relation to eligible income * Temporary or irregular employment Which turn out to be a false reason, because we found another financial institution, and used the SAME financial information ( same people involved ; my wife and I ) As we did not want to lose the house we spent over a year looking for and that loan was approved with no issues, in fact we have been living in our new home for half a year now. And shortly after moving found out our loan was purchased by XXXX which also works with Chase Bank. meaning our information was complete and correct it was Chase 's sole decision to deny our loan based on false pretenses to cover for the discrimination against my wife who at the time was a US resident from XXXX, also the discrimination might have been fueled by her gender, we can not be sure but I am sure the denied loan was fueled by racism as I spoke with several loan officers and they had a distinct mocking tone after reviewing our information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. There was a hard credit inquiry made on my credit report from Pentagon Credit Union. I have never contacted this agency regarding a line of credit or a loan. 

I called them on XX/XX/XXXX to ask why they made an inquiry into my credit. I could not get very far because they asked for my social security number in order to proceed in the queue to customer service. Since I am not a current customer, there was no need to provide my private information, so I did not proceed. I felt like it's either a scam or a poor way of doing business to ask for someone's social security number if they are not a current customer. Don't you agree? 

I would like this removed from my hard credit inquiries. 

They also made a soft inquiry XX/XX/XXXX and XX/XX/XXXX, and I would like these removed as well. I do not know this company. 

PENTAGON FCU XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 dispute letters to all 3 credit bureaus ( XXXX, Experian, and XXXX ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP.  I've been violated for months and this has to stop NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX  tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.
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. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX I looked at my XXXX credit report on XX/XX/year> and notices some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverified information.

( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

Hello, on XX/XX/2017, when applying for my Best Buy Credit Card, I was promised the credit of 10 % back in rewards on my first purchase when I am approved for a my Best Buy Credit Card. 
I was approved, and made the purchase on the same date ( the order # XXXX ), but there 's no 10 %  back in rewards on my first purchase of XXXX in my first credit card bill. 
I contacted the merchant by messages thru their web site, then by phone, but in vain. 

For a resolution, I 'm looking for is to get the promised award now.
Product: Credit reporting or other personal consumer reports

The information should not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, but I never received proof that these accounts have been verified. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$460.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Debt collection

I remember in XXXX I had an emergency. I went to XXXX hospital. I passed 2 to 3 hours in the hospital. I had XXXX. I gave all medicaid papers. They made copies of them. After weeks, I received a bill amount of {$850.00}. I called them for explanation. They couldn't justify this amount. I called next Florida Department of Children and Family ( DCF ) who gave me the medicaid. They told me they already paid the hospital. You can investigate. After 2 or 3 months Florida medicaid ( XXXX ) sent me a letter asking me if I recognized that the hospital gave me this service at that time. Florida medicaid finished this letter to let me know they are trying to control fraud.I responded Florida medicaid yes I recognized this service and I take advantage of this opportunity to let them know that I received an other bill ( {$850.00} ) while DCF had already paid for the service the hospital gave me.I included the letter that they sent to me in the correspondence sending to Florida Medicaid. 
They sent after this account to the collections. XX/XX/XXXX collections account removed. 
2 weeks ago they sent to me a letter where they explained me that the account ( {$850.00} ), the debt, is sold to an other entity ( XX/XX/XXXX ). So, making a glance at my credit score today I see that it has been decreased at XXXX. ( Less 31 pts ). I am convinced that this decision is unfair. If you want to justify ; you can contact Department of Children and Family ( DCF ) for more information. The service was provided to me by the hospital on XX/XX/XXXX. I am sure you can retract it. 

Thank you 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 602 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. 6802, I did not receive the required opt-out notice at the time I created the account that is being reported. 

Account Name : XXXX XXXX XXXX XXXX Account # Last 4 Digits : XXXX Account Name : First Progress Account # Last 4 Digits : XXXX Account Name : XXXX XXXX  Account # Last 4 Digits : XXXX Account Name : XXXX XXXX  Account # Last 4 Digits : XXXX Account Name : XXXX XXXX XXXX  XXXX Account # Last 4 Digits : XXXX Account Name : XXXX XXXX  Delaware Account # Last 4 Digits : XXXX Account Name : XXXX XXXX XXXX XXXX Account # Last 4 Digits : XXXX Account Name : XXXX XXXX XXXX Account # Last 4 Digits : No Account Number Provided Account Name : Collection - XXXX  Account # Last 2 Digits : XXXX Account Name : US Bankruptcy XXXX XXXX XXXX MI Account # : XXXX Account Name : Collection - Account Adjustment Bureau Account # No Account number listed
Product: Debt collection

I have been repeatedly contacted both by text, phone, and now a postcard that clearly states I owe a past due account which violates the Fair Debt Collection law Section 808. I have also told them repeatedly that an attorney is representing me in chapter XXXX bankruptcy and gave them the contact information and they refuse to contact the attorney and sent me text message telling me they dont care if I have an attorney and wont contact him or stop contacting me. The FDCPA also clearly states this is a direct violation of the law.
Product: Mortgage

On XX/XX/2021, I sent a check for {$150000.00} ( check no XXXX ) to XXXX C/o Nationstar Mortgage LLC with a letter to apply that amount to my principle. The check was not cashed. I called on/about XX/XX/XXXX and was directed by the associate to put a stop on the check as lost. He connected me to XXXX XXXX XXXX XXXX and I did as instructed. 

On XX/XX/XXXX, I sent a second check for {$160000.00} ( check no XXXX ) by priority mail with a letter of instruction. It was received by Nationstar on XX/XX/XXXX. I have the postal receipt. That check has also not been cashed. 

I called again on XX/XX/XXXX to inquire about the progress of their investigation for the lost 2nd check. I was told by the associate that they can not locate the 2nd check either. 

I am concerned that there is the possibility of fraud or at the least gross negligence occurring. Both checks were written from the XXXX XXXX XXXX XXXX  account. XXXX appears to be the principal for their agent Nationstar Mortgage LLC. 

I want this matter investigated as to what procedures and policies are in place by both Nationstar and XXXX to prevent these occurrences and why they have failed twice to prevent this incompetence. 

I also want the name of an individual to whom I can direct certified mail in order to send a 3rd check.
Product: Checking or savings account

My account was put a hold on XX/XX/XXXX and they stated that the hold would be removed on XX/XX/XXXX and now they have extended the hold until XX/XX/XXXX. They keep charging the monthly service when I dont have access to the account and the account is already closed in their system.
Product: Payday loan, title loan, or personal loan

I did a loan with them because i was truly in a bind, when i went to them, a young guy helped me and asked me if i wanted insurance on the loan and i told him no. He proceeded to ask me about possessions that i had in my home and added all of it on there. Unknowingly to me, that was him adding insurance to the loan that increased the payment of the loan. Once i was told of the first payment, i was confused and called to complain. The manager at the time wasnt helpful at all by the way. Also when i missed payments, they called and harassed me and the individuals at my job, giving them my personal information. They informed my coworkers that i owed them and that i was months behind and i could go to jail. That was an invasion of my privacy and my coworkers can attest to them giving out my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

On XXXX. Someone made two unauthorized transactions without my knowledge or my approval. First one was for {$21.00}, second one was for {$430.00}. I did not authorize these transactions and I dont know what happened and I need my money back. The purchases look like they were made to a company called XXXX XXXX. I did not do any business with that company whatsoever. My bank is Wells Fargo