23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Frankly XXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to XXXX/Equifax/XXXX  regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Equifax/XXXX  keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.
Product: Debt collection

I received a telephone call on XX/XX/2020 at approximately XXXX XXXX  from the telephone number XXXX XXXX XXXX XXXX XXXX. 
The caller proceeded to say the last four digits of my Social Security number and asked me if they belong to me. Highly unethical for someone to give an unverified person the last four digits of someones Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Avant company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.
Product: Mortgage

Cfpb, I am wrongfully being threaten with mandatory State pre-foreclosure notices by my mortgage company Nationstar/ Mr.Cooper. My Loan is current and in good standing. I am not in default on my loan, and I am not in a active bankruptcy. Cfpb, Look at my XXXX and XXXX XXXX and XXXX Credit Reports. My bankruptcy was removed from my credit report in XXXX. Cfpb, Look at the Terms and Loan Type on these reports. Compare it to my XXXX Credit Report XXXX. Under my modified Home Affordable Modification Agreement. [ The terms ] of this Agreement and [ Loan Type ] has been changed on my XXXX Credit Report XXXX. They have been changed to the old terms before my modification. My Transaction Payment History has been Altered. Transaction number ( XXXX ) is my Loan Modification REF # XXXX, Effective date XX/XX/XXXX. Principal {$49000.00}. Escrow {$430.00}. Total Amount XXXX. This information is on my Mr.Cooper Detail Transaction History. Date is XX/XX/XXXX. On My Mr.Cooper Transaction History dated XXXX XXXX Transaction number ( XXXX ) has been Altered. Transaction ( XXXX ) now says Defer Interest. Transactions XXXX have been Altered.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit report that do not belong to me.
Product: Mortgage

my XXXX sister XXXXXX/XX/XXXX, with a reverse mortgage.i promised her that i would take of the funeral exspenses and etc. i notified the mortgage co. and other envolved parties of her death.we were told that her real property would go back to the mortgage co. it has been over 4 years since my sisters XXXX, and the property is still vacant. now the mortgage co. is threatning to sue me to payoff the loan balance.i have no connection with her property or her mortgage
Product: Checking or savings account

While going through the process of purchasing my home in XX/XX/year>, the mortgage company reached out to review transactions on my account. They found a XXXX transfer that was not listed on within my banking app to a contact but listed within my XXXX transactions. The transfer took place on XX/XX/year> in the amount of {$600.00} and XX/XX/year> in the amount of {$50.00}. I was provided the number by the back and XXXX  it ; it belonged to a texting app or an unregistered device/ prepaid cellular account. The bank refused to refund the funds after I filed several fraud complaints/forms, although they acknowledged they could but trace the transaction within the system although it appeared XXXX my back statements and that it was taken from my account. Because the XXXX was through my bank account and not on the XXXX app, XXXX stated they could not refund the transaction. I filed a XXXX  complaint as well with no response from my bank, USAA.
Product: Credit card or prepaid card

I pay my credit card in full. Payment in full apparently never got posted to account. Now being charged at least XXXX  in finance charges. Please help.
Product: Debt collection

On XX/XX/XXXX I sent a debt validation letter this company has failed to validate the debt. Please delete this information from my credit report and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX Payment of {$57.00} on XXXX XXXX XXXX 

Also XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Missed payment due to no phone access. 

XX/XX/XXXX XXXX Contacted Credit Company ( TransUnion ) and will not help dispute.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. BMW FINANCIAL SERVIC XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Checking or savings account

The subject checking account is in the name of my mother, XXXX XXXX XXXX & I am also on this account, title reads " XXXX XXXX XXXX or XXXX XXXX XXXX. The account is held with XXXXXXXX XXXX XXXX XXXX XXXXXXXX in XXXX, LA. My mother wrote a check to XXXX on XX/XX/XXXXXXXX  i/a/o {$14.00}. I received a notice in the mail on XX/XX/XXXXXXXX  from TRS Recovery Services stating they were attempting to collect a debt, the above referenced check. I didn't know what this was about so I mailed them back requesting additional information. Yesterday, XX/XX/XXXX, I received information in the mail along with a copy of the check stamped " unable to locate account ''. This morning I went to our bookkeeping dept to find out why the check was returned. I was told that XXXX ran the check electronically & when it was sent to the bank to clear the account, the item unposted because it was sent in with the wrong account number, the first two numbers of the account number were omitted. It did not even have a customer 's name on the item so my bank had no idea whose account to post the item to. I was told by our bookkeepers that they see this often, ususally checks written to XXXX & customers call about this & are very upset that this is happening. It's not the customer 's fault & not the bank 's fault that these businesses are sending items in electronically, omitting numbers in the account number, therefore causing burdens on the individuals to clear this kind of mess up.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT CAINE & WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CAINE & WEINER XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX  on numerous occasions about fraudulent activity reported on my account they keep telling me its verified and its not my accounts these have been fixed on every other credit bureau except this one I have sent in police reports and every document requested. These fraudulent accounts still appear after many years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my personal credit file with TRANSUNION . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


XXXX XXXX  XXXX
Product: Prepaid card

Received American Express Virtual e- gift card Total balance {$15.00} Charged unnecessary fees for adding gift card to XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX each being XXXX for each wallet app. 

Attempted to use card numerous times at XXXX XXXX and at gas stations but card kept declining. Checked balance the card had sufficient funds for check out. 

Attempted to resolve issue with help of associates at store but to no avail the card still didn't work. Attempted to use card various ways and got nowhere. 

Read user agreement and American Express stated that the card can be used anywhere that accepts cards. I went to merchants that accepted American Express and was under the expression that my card will work but to only be embarrassed at check out. 

This has definitely been a hassle and the only type of card that has given me issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, these accounts entered have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( 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.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Student loan

I dont earn enough to payback, buy groceries and pay rent. A forebearance is additional interests i ca n't afford. The repayment plan is unrealisitic
Product: Student loan

I have been issues predatory loans and have been systematically lied to by Navient at every turn since I graduated in XXXX. They have told me that forbearance was the best option upon graduation and when navigating the financial repayment plans. They lied and said forbearance would not effect me entering into the repayment plan for student loan forgiveness when I have worked for a non-profit for almost 10 years. they told me I was not eligible for financial repayment plans in XXXX and said I would have to make {$780.00} a month payments to pay them back and would not give me information about the forgiveness plan. They then hung up on me. This lead me into a default status and they began to garnish my wages. When I called to talk to another person at the company to resolve this issue they told me I am better off with the 20 year income driven repayment plan. They have lost my paperwork I have sent in which then put me out of my repayment plan due to not having it filed in time. ( XXXX I believe ) they then put me back on forbearance stating it would not effect my payments or fees in anyway. 
Any time I have called for information they have given me inaccurate information. I have asked about consolidating several times and they said that is not in my best interest and that I would pay my loans off sooner paying them individually. 
I took out less than {$40000.00} in loans, have been paying for 8.5 years and I now owe over {$87000.00}. I am not even sure how when I make payments each month it has gone added another {$47000.00} to my debt which I will never be able to repay while working in this field. ( I work for a non-profit, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ). 
Please tell me how to fix this or what I can do to manage this issue as I am overwhelmed.
Product: Debt collection

They past few month I have received a statement in the mail or online or or by phone communication for the debt. I recently moved and had all my mail forwarded. I also do not have consistent work right now due to some changes in income and a medical condition. The only way I found out I had fell behind was because they reported it on my credit report. I didnt get a call trying to collect the debt or any letters in the mail about the balance like a company normally does.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. I will also attached a copy from XXXX XXXX saying they deleted those bankruptcy account from their end as well. These inaccurate accounts are affecting me tremedously and Its putting me in position were I can't do anything.
Product: Mortgage

Nationstar XXXX XXXX XXXX and XXXX XXXX XXXX XXXX CA XXXX We started a short sale with Nationstar in XXXX 2016. We have a buyer who is willing and able to close the short sale. Nationstar has put this property through its in-house auction company that it owns, " XXXX '', two times, so that they can gain the 5 % fee they have named a 'Buyers Auction Premium '' fee. Both attempts by Nationstar to procure their own buyer have been unsuccessful. 

Since Nationstar was unable to procure their own buyer and thereby gain the additional 5 % auction charge, they have decided to simply not work on the short sale and instead take it back at the foreclosure auction - which is a month away. 

Nationstar is refusing to entertain the offer by the current buyer we have provided. This offer has not once been reviewed by Nationstar. They have decided this, even though they have ample time to review the offer we provided to them. 


Does the investor know that Nationstar is refusing to review an offer since it was not procured through the auction company that Nationstar owns?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using Experian Boost to raise my credit score since XXXX. The premise of Experian Boost is to raise credit scores by adding a personal bank account and other self-reporting payments not limited to bills, credit cards, and re-occurring charges like rent. Before XX/XX/XXXX, the last time I got a credit score increase was on XX/XX/XXXX ( Experian Notices Page 5 ). In this notice, Experian increased my credit score from XXXX to XXXX. 

Credit scores are supposed to increase every three consecutive on-time payments and re-occurring charges. However, between XX/XX/XXXX, and XX/XX/XXXX, there were no increases to my credit score. On-time payments recorded between XX/XX/XXXX to XX/XX/XXXX from my bank account did not increase my credit score. 

I called Experian 's customer service and sought advice regarding my credit scores. Customer service advised that bank connections may disconnect at times. To further troubleshoot, customer service advised me to take out my bank account on file and add it again. Customer service told me that this should fix the issue ( connection issue troubleshooting guide ). After following Experian 's customer service advice, my credit score decreased from XXXX to XXXX ( XXXX ). I also noticed an address in my file that does not belong to me. 

I called Experian 's customer service on XX/XX/XXXX, and XX/XX/XXXX, respectively. Experian 's customer service stated that my credit score was XXXX without offering advice and refused to reinstate my previously recorded credit score of XXXX ( XX/XX/XXXX, Graph of Credit History from XX/XX/XXXX, to XX/XX/XXXX ). I have a family that relies on my credit score. I will have difficulties finding other rental homes and credit cards.
Product: Checking or savings account

i did not open this account and would like it removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Reported XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX Original Balance : {$3000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I received an email from a bank called XXXX which is an affiliate of Wells Fargo in XXXX. The email said that XXXX would be withdrawn from my account against outstanding credit card balances. I don't have an XXXX card and I indicated that to the bank in a return email. I didn't hear from the bank and within 3 days the bank went into my account and withdrew that money. I tried calling the bank but couldn't get through, so I wrote an email to the Chairman of the company, but never heard anything back. The amount was debited to my account without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

I was the one affected into this lawsuit. I tried to dispute accounts thats not mine for the past 6 months thats not mines but refused to investigate and get removed. It keeps coming back verified. 
My score been tanking over the years. 

XXXX need to removed all these accounts 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
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00}