23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to secure a loan modification with Nationstar Mortgage for several years now. I was the trustee to my mothers estate when we began working with Nationstar after my mother 's passing Nationstar has refused to speak with me as they do not acknowledge that I am the sole person in charge of her Estate I have forwarded all documents to prove who I am, this has caused major problems and I am now in danger of foreclosure. I am including a letter I sent to Nationstar. XXXX XXXX, 2016 To : Nationstar Mortgage LLC XXXX XXXX Director, CEO XXXX XXXX XXXX President, CEO XXXX XXXX XXXX , CRS XXXX XXXX XXXX , SPOC XXXX XXXX , SPOC XXXX XXXX XXXX XXXX XXXX XXXX , Supervisor Loan Modification Department XXXX . XXXX XXXX, XXXX, Tx. XXXX Re : Loan # XXXX -XXXX XXXX XXXX - Your reply to my XXXX Complaint and your abusive non performance. 
" In the Estate of XXXX '' XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : We received a reply to the XXXX appeal that we filed from XXXX XXXX XXXX at Nationstar Mortgage XXXX XXXX, XXXX, TX - phone number XXXX dated XXXX XXXX, 2016. 
XXXX XXXX stated that we could contact him with questions regarding proceeding with our loan modification request and suspension of the scheduled illegal foreclosure of my home. The decline letter dated XXXX XXXX, 2016 has a number of decline reasons that are incorrect. It seems that our file information may have been mixed up with another file at Nationstar. We HAVE BEEN SAYING THIS FOR GOING ON THREE MONTHS NOW AND NO ONE WILL TALK TO US. 
I called XXXX XXXX today and got the message that HE IS NO LONGER WITH NATIONSTAR AND TO CALL XXXX. I called that number and it answered " XXXX HOSPITAL ''! 
I am not being treated with " good faith '', " professionalism '' at this time and I protest! 
Please IMMEDIATELY STOP BLOCKING my communication with your staff so that I may have a problem solving conversation to approve my loan modification with a Vice President who understands your policy and will not be fired. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

I received a notice in the mail. I went to a XXXX  location and spoke with an associate about my mater. She said that I would have to file a police report and fill out online theft link. I sent the information over my mail. Next thing I know I get another document in the mail from XXXXXXXX XXXX  requesting me to pay the full amount. I explained to the agent that I have never had a XXXX  account! Thats when I filed an identity theft report Number : XXXX. Total fraudulent amount : {$1300.00}. They have sold the debt to another agency called Jefferson capital systems and now they are trying to collect on a debt that is not mines due to identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are not transactions conducted by me as a consumer. 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 # XXXX Account name : 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 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

To whom it may concern, I want to address the below that the Credit Bureaus are not doing their job! 

Section 611 ( a ) ( 6 ) ( B ) ( iii ) Provision of Dispute Results to XXXX : - After completing an investigation, credit bureaus must provide the consumer with a written notice of the results, including a revised credit report if any changes were made. Additionally, they must provide a description of the procedure used to determine the accuracy and completeness of the disputed information if requested by the consumer. 

Several disputes have been sent to Experian, XXXX and XXXX and they do not respond whatsoever and it's getting out of hand. Can they respond to my dispute request today? 

See attached disputes mailed out and I have mailed them out again.
Product: Checking or savings account

My debit card was stolen and used in XXXX XXXX Im currently living in a whole different state my card was charged {$800.00}. I reported card stolen and card was blocked. I disputed the charges and made a claim with Wells Fargo no response of outcome. My account is now over drawn because of unauthorized transactions.
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 XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.
Product: Credit card or prepaid card

I want to make all consumers and stores aware of more fraud being used by Wells Fargo banks. I opened a store credit with XXXX XXXX to finance new windows and siding on. When first on the website applying I did not know it was backed by Wells Fargo. Had I known prior, I never would have used their financing. As Wells Fargo takes extra steps to fraud its customers. I signed an agreement on XX/XX/2023. My contract states I would receive a promotion of 6.99 % for 48 equal months. My total amount is {$16000.00}. Even though the windows and siding where charged seperate days, they are both under the SAME promotional deal. which should make the payments {$400.00} My husband noticed an issue when the second bill arrived, that would show the charges for both windows and siding and it did not reflect an accurate amount. We are being billed {$400.00}. While this XXXX seem small, it adds up! I called Wells Fargo on XX/XX/XXXX and spent XXXX minutes on the phone trying to get them to explain their math. To which no one could explain. I finally spoke with a woman and was told she was further up the chain and could explain why my bill was slightly higher. ~ I recorded this call at this point~ She said to me that Wells Fargo XXXX my total amount and used a base intrest rate of 2.42 % ( not divided over months ) and that is where they come up with {$400.00}. That amount based on that math matches what my bill is. However it is NOT abiding to my contract and is allowing them to slip in {$3.00} extra each month. I was told I would go into a 10 day dispute process to resolve the issue, but only received another call on XX/XX/2023 stating they find no errors and the previous information was wrong. I recorded this lady also, because I'm also being charged ans extra {$27.00} intrest fee and their calculations are still incorrect. I was told that extra intrest fee was a 4.99 % charge on my monthly balance. To which she would bounce back and forth between 6.99 % and 4.99 % not making sense of why now I its an extra 4.99 %. I'm not sure if they simply read a script from a book, but when I would question her, she would claim she didn't say 4.99 % but said 6.99 %... again I would repeat and ask her to re explain the fees and she would say it again. I had enough of her XXXX XXXX XXXX  XXXX, and told her I was ending the call. 
I fully believe Wells Fargo is slipping in small portions of extra fees on every customer. Most consumers do not think to figure the math, especially if the amount is decisively close to the actual amount. 
Wells Fargo is also not keeping to their agreements with businesses to honor their promotions. Which most consumers will blame the businesses for
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I've enclosed an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them.
Product: Credit reporting or other personal consumer reports

I have been attempting to reach out to Experian for nearly XXXX XXXX  without receiving the assistance I need. I am in the process of purchasing a home, yet my Experian credit score has not been updated since XX/XX/year>. None of the items reported on my XXXX and XXXX reports are reflected in my Experian report, which has created significant issues. 

On XX/XX/year>, I initially contacted Experian via email, receiving only an automated response. Afterward, I called customer service and spoke with a representative who informed me that Experian needed to verify my identity. He walked me through the verification process, submitted the documentation with me, and assured me that it would take XXXX XXXX XXXX for the update to reflect. 

However, it is now nearly XXXX, and I have received no updates despite having sent follow-up emails on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Additionally, Ive been unable to reach any representative who can assist me further. My only option has been to request a mailed credit report, which does not address the issue at hand. This unresolved situation has been frustrating and has severely limited my ability to use my credit. 

Today, on XX/XX/year>, I have sent a formal letter detailing my concerns. If no action is taken or assistance provided, I will have no choice but to pursue legal measures to ensure the accuracy of my credit report, as Experian has failed to uphold its responsibilities.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 
-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 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

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX  According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/XXXX late payment from my credit report. I further request that you notify the credit bureaus ( Equifax, XXXX and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

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

XXXX XXXX,2017, XXXX XXXX was removed from my credit report in the amount of {$670.00}. I got a notification on XXXX XXXX saying this account was opened on XXXX XXXX, 2017. By law, this should have not been added with out something in writing.
Product: Credit reporting

equifax IS REPORTING, a bankruptcy on my report, the court does not verify this information not now not later, this information was pulled from a 3-party, and must be deleted. the court has verified with me they do not report such information.
Product: Debt collection

XXXX XXXX XXXX managers did not properly file the termination or non-renewal of lease termination notice into their system. 

The notice was given by one of the tenants on XX/XX/XXXX in the main office, more than 60 days of notice that was required by the lease. The given notice was received by a manager who no longer works at cXXXX XXXX XXXX. 

The collection is illegitimate because XXXX XXXX XXXX did not properly manage our notification of termination & non-renewal of lease. 

http : //www.consumer.ga.gov/uploads/pdf/GA_Landlord_Tenant_Handbook_2017.pdf The managers did not admit fault or take responsibility for improper management & is trying to collect a unfair debt against the tenants in the amount of {$2300.00} for 49 days.
Product: Credit card or prepaid card

I used my  American Express    XXXX   XXXX   XXXX   to pay for a rental car at  XXXX  in  XXXX , CA on    XXXX   XXXX   XXXX     . {$170.00} in damage occurred to the vehicle that I did not do. I did not purchase their insurance because this particular card has the built in insurance to pay for these types of things. AMEX assurance has refused to pay saying that my card is not in good standing which is totally wrong as I pay off my balance monthly and have an   XXXX     credit score  .
Product: Debt collection

I have received a debt collection from Convergent on a time barred debt that has been written off by the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Massive data breach of social security numbers in recent years. I am disputing the XX/XX/2016 hard inquiry, performed by XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, CA XXXX. I truly believe that this inquiry was fraudulent in nature and done without my consent or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX  have placed an inquiry on my EXPERIAN credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts on my consumer report, reporting inaccurate information. XXXX, Transunion, and XXXX is showing inaccurate and misleading on the following accounts... 

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

I recently pulled my credit report and found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, Equifax, XXXX is governed by 15 USC 1681. And they have violated my rights numerous of times. I demand these accounts listed below be removed. 
according to 15 USC 1681 I have a right to privacy, and I did not give XXXX, Equifax, and XXXX written permission to furnish these. 
accounts. These are the accounts that's reporting in accurately. XXXX XXXX XXXX account XXXX XXXXXXXX {$1700.00}, XXXX XXXX XXXX account XXXX XXXXXXXX {$1600.00}, XXXX XXXX Bank account XXXX XXXX XXXX XXXXPlease remove these hard inquiries, I did not authorize for any of these companies to run my credit, I did not sign any documents giving any XXXX permission to do so. XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.. Also, these hard inquiries I did not give authorization for these companies to run my credit. This is a violation of 15 USC 1681 I did not give the credit bureaus written permission to run my credit. XXXX of XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-XXXX  Inquiry from XX/XX/XXXX 2020 XXXX XXXX-XXXX  Inquiry from XX/XX/XXXX, 2020 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXX XXXX Inquiry from XXXX XXXX 2020 XXXX Inquiry from XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) Account Status : XXXX  is reporting this account as " CLOSED ''. And Experian is reporting this account as " PAID ''.

2. ) Payment Status : XXXX  is providing the credit bureau as " CURRENT ''. While Experian is reporting the account as 120 days late.

3. ) Date of Late Activity : The Date of Late Activity is over 6 years old, which is a violation according to the FCRA. This Date of Last Activity should be current and up to date. A lot of information has changed within those 6 years.

4. ) Late Payments : There are multiple missed payments, that were made on my behalf. So there shouldn't be ANY missed/late payments on my PAYMENT HISTORY. 
I have taken liberty of attaching a copy of this account. This Creditor has provided XXXX and Experian with INACCURATE and INCOMPLETE INFORMATION TO THESE CREDIT BUREAUS. 
THE PAYMENT HISTORY THAT XXXX AND EXPERIAN HAS REPORTED DOESN'T MAKE ANY SENSE WHAT SO EVER. ONCE YOU SEE THESE ATTACHMENTS YOU WILL FULLY AGREE, AS TO WHY THIS ACCOUNT SHOULD BE DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute the accuracy of the information reported by XXXX  XXXX  XXXX XXXX TD Bank XXXX XXXX, which has been included in my consumer report. 

On XX/XX/XXXX, I submitted a letter to XXXX XXXX XXXX, requesting validation of this account, as I am unaware of its existence and do not recognize the account. In response, I received a letter from XXXX XXXX XXXX stating that I had previously disputed this record under XXXX  XXXX  # XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX, and that the dispute had been forwarded to TD Bank for reinvestigation. According to your response, XXXX XXXX XXXX notified me of the results of this reinvestigation in XX/XX/XXXX. 

I would like to bring to your attention that I never received the results of this reinvestigation. As a consumer, I am entitled to receive the findings of the investigation under the Fair Credit Reporting Act ( FCRA ). Not receiving the investigation results constitutes a violation of my rights. Without receiving the proper documentation or explanation, I was deprived of the opportunity to dispute the findings. Therefore, it is unclear how XXXX XXXX XXXX determined the accuracy of the account without allowing me, as the consumer, to review and respond to the reinvestigation results. 

Furthermore, I sent a letter directly to TD Bank on XX/XX/XXXX, requesting validation of the debt. However, the bank has refused to provide any documentation or information in response to my request, which is another violation of my consumer rights under the FCRA. 

To clarify, if XXXX XXXX XXXX and TD Bank do not remove this account from my consumer report, or if a full and complete reinvestigation is not conducted in compliance with the FCRA, I will seek legal action. The law requires that you verify the accuracy of the information being reported, and as a consumer, I am entitled to all relevant documentation that supports your findings. 

Violations of the FCRA : Failure to Provide Investigation Results : Under the FCRA, a consumer must be provided with the results of an investigation, which I did not receive. XXXX XXXX XXXX allowed negative information to be reported without providing this validation. 

Failure to Validate Debt : TD Bank failed to provide the requested debt validation, which is required under federal law.

Inaccurate Reporting Without Proper Validation : Without proof or verification, this account should not be reported on my consumer file.

Please consider this letter a formal dispute and request for reinvestigation. I demand that this account be removed from my consumer report immediately. Should this request be ignored or denied without valid justification, I will pursue all legal remedies available to me under the FCRA.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and respond with your findings within 30 days as required by law. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear XXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least XXXX  days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm has put a delinquent account on my credit report that does not belong to me. I have disputed this twice and they claim the information is correct when it is not!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX