23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted Nationstar Mortgage about doing a loan modification. I was told that starting XXXX XXXX my payments would go to a modified amount of {$870.00} and would be in a trial period for the next 4 months. In XX/XX/XXXX, I still had not received any modification paperwork from Nationstar. I called Nationstar and spoke to someone and they told me to go ahead and make the {$870.00} payment which I did. I made {$870.00} payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, I decided that it was best to do a cash-out refinance with another company because I did n't like the way that things were going with Nationstar ; nor did I like the lack of contact with XXXX XXXX my " dedicated loan specialist ''. ( I emailed him numerous times and never received a response ). Starting XXXX XXXX, I went back to making the {$1000.00} mortgage payments and have done that since that time. I found out in XXXX XXXX Nationstar put on my credit that I had a 30 day past due balance of {$430.00}. Although they put that on my credit Nationstar mailed me a check in the amount of {$580.00} on XXXX XXXX, XXXX. I contacted Nationstar about this {$430.00} balance that they claimed I owed. I asked them if I owed money why was n't the {$430.00} taken out of the {$580.00} check before any money was mailed to me. The representatives answer was that the {$580.00} was n't enough to cover a mortgage payment so they mailed it back to me and {$430.00} was the remaining difference between the {$580.00} and the remainder of my mortgage payment. That is incorrect because {$580.00} and {$430.00} totals {$1000.00}, which is not enough to cover my mortgage payment. She also informed me that when I made the {$1000.00} mortgage payment in XX/XX/XXXX that money was put on my account for XX/XX/XXXX. ( Take it that I had already made the modified payment of {$870.00} in XX/XX/XXXX ). So every month that I have made my mortgage payment it has been posted for the previous month. So XX/XX/XXXX 's payment went towards XX/XX/XXXX, XX/XX/XXXX 's payment went towards XX/XX/XXXX, XX/XX/XXXX 's payment went towards XX/XX/XXXX, and so on. It now looks like I 'm a complete month behind on my mortgage payment when I am not! I do not see how they can put a payment on a previous month when it has already been paid. They have also given me several late fees, etc. Now they are saying that I owe over {$2000.00}. I disputed this on my credit report ( XXXX ) and the results came back on XXXX states that historical account information was deleted from my account and has been updated. It also states the prior paying history on this account has been updated. Nationstar has not updated anything! I have called them several times and can not get an accurate answer as to what is going on with my account. They have XXXX past 30 day marks on my credit report for XX/XX/XXXX and XX/XX/XXXX ( when I was in the modification period, as well as XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). I have contacted everyone trying to get this situation cleared up and get these negative marks off my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I submitted a Fraud Packet to XXXX XXXX for ( 2 ) Fraudulent accounts that had been opened in my name, using my SSN # a year apart. I submitted a police report, tried reaching out to the Creditor ( Contract Callers ), who was very rude. I've also worked with XXXX XXXX XXXX who completed my fraud package for both fraudulent accounts. Two years later, there is STILL a mark on my credit report from this creditor saying : " Comment : Account previously in dispute - investigation complete, reported by data furnisher. Account paid in full for less than full balance '' This was NEVER my account and opened fraudulently using my SSN #. The historical data from the dispute on XXXX  shows that XXXX XXXX is the original creditor. Each time I submit a new dispute, I get the same answer. PLEASE help me get this account removed from all ( 3 ) credit reports! I have all documentation to support this ; including bank statements with my correct address at the time of the fraudulent account activity. Both times.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I called on the XXXX of XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three main issues with my credit report with credit reporting agencies. 
1. I have noticed On XX/XX/XXXX, two unauthorized credit inquires made to my credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and reported by TransUnion and XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXXX/XX/XXXX reported in XXXX as hard inquiry for mortgage which I had never authorized. I have contacted TransUnion to fix this issue and advised me to report to CFPB. 
2. On XX/XX/XXXX, I wanted to purchase car and the dealer run my credit with different creditors and finally I was approved with one of them. Even if they did ran without my knowledge, they confirmed me that only one of them would be reported because all done in the same window period ( even in a minutes ). But all reported in TransUnion which is not acceptable. When I request TransUnion, it directed me to reach your office to resolve this issue. 
3. I have established my credit history since XXXX, XXXX but the credit reporting Bureaus only report the latest credit I have which is totally unacceptable and leave my credit history very young. I kindly request this Bureau to resolve my all above mentioned issues adversely affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX apartments opened accounts for all residents with XXXX. This was not on the lease agreement I signed. Residents were not given a choose to opt out. I did not create this account and did not want my private information shared with XXXX. They are now on my credit report. I would surely think something like this should be illegal. Apartment complex says I must contact XXXX. Not possible to talk to human. Apartment manager even tried. Tried the email address XXXX gave for help, it was undeliverable. I am very concerned about this.
Product: Student loan

I sent Navient special instructions ( through their website email service ) on how I want my payments applied to my student loans. The response I got not only did n't confirm the usage of the instructions I provided but also told me the only way to have those instructions applied is to send in a check with instructions every month. Does Navient have to apply my special instructions regardless of the fact that they were communicated via email? And why do I need to recommunicate them every month -- and why is it somehow not applicable to my autodebited payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Opened a fraudulent loan under my name and social.I 've attempted to resolve the issue with Wells Fargo several times but have gotten nothing but the run around and a extremely unfair investigation. 

Wells Fargo has failed to properly Idenitfy me and has failed to ask for documents that would prove the validity of my claim. The refuse to look at information that is given and continue to assign the file to the same negligent investigator. 

The have discriminated me and slander my name and affect me and my families ability to gain job or credit due to a bogus fraudulent account that they continue to report. They continue to ignore all material information and facts that I have that would resolve the claim in my favor.
Product: Student loan

On XX/XX/2018, I submitted a payment to XXXX in the amount of {$3500.00}, which was the full amount of the student loan. Payments were not yet due, but I wished to pay off the loan early. 

On XX/XX/2018, we got a notification stating that our account had been overdrawn and now had a negative balance. We saw that XXXX had charged us the full amount of the loan, {$3500.00}, twice! That same day, we filed a claim dispute with our bank, XXXX, in order to recoup the funds that had been erroneously removed from our bank. We also contacted XXXX who stated they would refund us {$3500.00}. On XX/XX/XXXX, XXXX refunded us {$3500.00}. 

On XX/XX/2018, we received a notice that our original payment had been returned and XXXX had charged us a {$25.00} returned check fee. Apparently, XXXX denied the other {$3500.00} payment that we HAD authorized, perhaps because it was not clear which one was authorized and which was not. On that same day, XX/XX/2018, we removed our bank account information from XXXX as it was clear our money was not being managed responsibly. I called XXXX and they agreed to remove the {$25.00} fee as it was not our fault they had charged us twice. 

On XX/XX/2018, we saw that our account with XXXX  had been reset to show that we again owed {$3500.00}. We called XXXX and informed them that we did not see a second refund of {$3500.00}. We called XXXX and confirmed no second refund had been deposited in our account. XXXX said they would forward our concern along with bank account screenshots to their account specialists. We watched our account for a few days to see if the funds would eventually post to our account, and they never did. We called again and sent an email complaint on XX/XX/2018. Today is XX/XX/2018, and we still have not been refunded the other {$3500.00} that XXXX claims they refunded us, and our loan account balance remains at {$3500.00}. I have contacted XXXX at least ten times, and spoken with supervisors, who continuously say they forwarded my concern to account specialists and have not received any response. Supervisors have told me multiple times that they will follow up with me, and have not kept their word. 

In summary, our money has been irresponsibly handled by XXXX  and they have failed at communicating with us in a timely manner. Although they refunded us one payment of {$3500.00}, they claimed they refunded both, but we never received the second refund. The fact that the " account specialists '' have not responded to us after we submitted the complaint on XX/XX/XXXX is unacceptable and evidence of their blatant disregard for their consumers. We put our trust in XXXX to responsibly handle our funds, and they have shown they are incapable of doing so. We would greatly appreciate help in eliciting a response from XXXX and receiving the {$3500.00} that they claimed they refunded us. This way, we can again try to pay off our loan, hopefully without the stress and anxiety that we experienced the first time.
Product: Payday loan, title loan, personal loan, or advance loan

This company purchased my debt for original party I had a loan with them during Covid-19 and defaulted on said loan I was not afforded my rights under The CARES Act or made aware of such rights section 2202 a8. 2202 allows for an additional year for repayment if I was allotted this time, I would not have defaulted on said loan, I do not think it is lawful to sell of purchase this debt under these conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. The following information is outdated. I would like it removed from my credit history report. Amount reported by your Bureau is wrong, date opened on account is wrong, you have been violated the LAW. 
I was never late on this account. Balance is wrong, date of opening account is wrong. 
XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report incorrect information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Last 4 SSN : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date : XXXX Date of Birth : XXXX Last 4 Social : XXXX  I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate, I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name : XXXX XXXX  Account number : XXXX Dates reporting NOT Accurate : XXXX  to XXXX  Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive as the did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. Theses actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Checking or savings account

I had my Wells Fargo debit card stolen. I contacted Wells Fargo and filed a claim. I was questioned who, what, where, when and how. I gave them a full description of what happened. I closed the card and was going to be issued a new debit card. I then received a letter basically stating my claim was not valid and that I owe the amount of {$XXXX}. This amount was not nearly what I had available in my bank account. I then requested that the claim be reviewed again and did not hear back from them until I received a bill from a 3rd party collector on XX/XX/XXXX. I sent a validation letter on XX/XX/XXXX and to date, I have not heard back. I have never received statements on how they came up with the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today. 
Thank you
Product: Mortgage

Wells Fargo was requesting the financial statements of another person for our loan. This person was a co - signer on a retail card that we held. Wells Fargo requested that we close the credit card account. The credit card co - signer paid the balance and closed the account to try to help our mortgage application. 
Myself and mother are the mortgage applicants and approved all access to our accounts. We have provided many many documents and explained many things. This co -signer is not involved with this mortgage application in any way. 
Wells Fargo is requesting that we provide the financial information of this co -signer. There is no confidentiality agreement between this co-signer and wells Fargo. We are not legally authorized to act on this person 's behalf nor do we have access to their accounts. 
Wells Fargo is asking us to commit fraud. They will likely use that account information for marketing purposes and selling services to them.
Product: Debt collection

Bank of America N.A. failed to provide proof that their account in the amount of {$240.00} belongs to me. While in the process of validation the account was sold to XXXX XXXX XXXX on XX/XX/XXXX. This account was disputed and XXXX ceased contact with immediately. On XX/XX/XXXX this account was sold again, this time to XXXX XXXX  XXXX XXXX, ( Again this account is currently in dispute. ) Both debt collectors are reported different account numbers. 
Bank of America N.A. is currently reporting this account to all 3 major bureaus as closed/charge-off and updated as of XX/XX/XXXX. Bank of America N.A. continues to update their account to my credit files even after I have provided proof that they are not Holders in Due Course and the account has been sold multiple times. I will not keep disputing this account. I have proof that Bank of America N.A. NEVER validated this account and Bank of America NA is not following the FDCPA. 

XXXX XXXX  XXXX XXXX are debt collectors attempting to collect a debt on behalf of Bank of America N.A. I would like to know who gave XXXX XXXX  XXXX XXXX my personal information. I did not agree to any contracts with XXXX XXXX  XXXX XXXX to pay this company anything. I did not authorize XXXX XXXX  XXXX XXXX or Bank of America N.A., permissible purpose to use my personal information. 
Recently I priority mailed Bank of America N.A., and XXXX XXXX  XXXX XXXX letters and each company is well aware of what will be the outcome will be if they continue to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i got my credit report of all 3 credit bureau on XX/XX/2019 from XXXX  and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history
Product: Debt collection

I have repeated asked them not to call me at work. I fell behind on my bills when I lost my job and just started a new job and they keep calling my boss and asking for me after she told them every since time that I can not have calls at work. I do n't want to lose my job then I really cant pay them anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account 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 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: Student loan

Loans were initially through Discover. In XXXX refinanced with XXXX. On XX/XX/XXXX XXXX issued a check to pay off {$31000.00} of loans with Discover.  On XX/XX/XXXX, Discover took out the monthly auto payment. Contacted Discover and they said they never received a check and I would need to get a copy of the cancelled check from XXXX. They have since sent two copies of the cancelled check to Discover. Reviewing the Discover account in XXXX, the check still had not been posted. Contacted the customer service center at Discover. They said they had notes that they received copies of the cancelled check, but wanted me to provide the ABA and Acct #. I explained that the payoff was from XXXX and I did not have that information. Their response was that an investigation had to be initiated before the check could be posted, and they agreed not to take the next auto pay due on XX/XX/XXXX until this was resolved. 60 days later they still have not posted the payoff check, they have deducted the autopay from my bank account and now XXXX is also taking payments for the refinance they processed. How do I get Discover to process the loan payoff properly?
Product: Credit reporting or other personal consumer reports

In XXXX, a XXXX account was opened in my name with a social security number ending in XXXX. This is not my last three digits, and when I tried to tell the creditor this, they took this to court, and I am being sued for XXXX. I don't have a problem paying delinquent bills, but this is not my bill to pay. I have had numerous issues with identity theft.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO ME. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor XXXX opened an account in XXXX, they sent me to collections in XXXX and each year it falls off my credit report and then about 3-6 months later another collection agency appears on my credit. I do not owe XXXX over $ XXXX never have.