23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying since the XX/XX/XXXX to get my mortgage remodified. I have been denied this request 3 times by Nationstar. The last two times I feel are erroneous and I just submitted a 4th request. 
I have XXXX income, I eliminated by debt by filing Chapter XXXX bankruptcy, I totaled my car and have no real bills to pay and by doing so I reduced my monthly expenses by over {$1000.00} a month and yet Nationstar claims I still do n't qualify. I went thru XXXX and they ran the numbers and they said I was eligible. How can I still not qualify for anything after eliminating a huge amount of debt? And I keep getting the same exact denial reasons which ca n't be true because my monthly debt has been significantly reduced?! I am confused. Nationstar wants to continue denying my request so they can foreclose on my home and take it. They are not trying to work with me and their continuous denials of my request for mortgage assistance is a veiled attempt at stealing my home. Please have someone look into this. This has got to be against the law. I work very hard and am dong the best I can but how can I compete with a greedy mortgage company who is giving me the run around so they can steal my home?! Help! If you ca n't help then tell me who can because I am in dire need of assistance. Please do n't let them take my home!
Product: Debt collection

i'am reopening this case again, i 've never get contacted by the consumer financial protection bureau about this case.this occured in 2012 when i used to lived at XXXX kentucky XXXX.i was behind on my rent for rent, i was sent a notice by the land lord i went to court but she never showed up, i was planning to live for XXXX illinois and i told her. in between my departure and the time i was given a notice i get a hole on my tires twice, i called the police, and they did their report, also she break into my appartment without a notice she broke the door when i come home she told me that she was the one who did, iam asking here for fair resolution for this case, the security deposit never get refunded which should bring my balance to {$950.00} and also i want my XXXX tires to get refunded which bring my balance to {$150.00}, i try so many time to contact the collection but its looks like they do n't want an agreement. 
thank you for your help, for further information feel free to contact me at my phone number XXXX thank you for your help one more time sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX and XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

Now I originally signed up for Albert over 3 years with a credit union account that I had also linked to it. Not long after that I ran into problems with that account where funds were pulled out of tat account when I didn't have them after notifying the company that was going to charge my account for a little more time causing it to go into negative to where I could not bring said account back to positive or out of negative balance. I then let it go which was closed and never signed onto Albert again after that. Recently a friend who I haven't spoke to in over a year sends me XXXX $ out of the blue and when I logged into the app I see that it was sent to that closed account and I have no way of getting it removed. I've spoken to customer service and was told to call the credit union and ask for statement which I did only to be told that they will not provide any statements to prove that account is mine until the negative balance is settled. After returning back to the customer service chat they then kept running me around with different solutions that I have already either tried or have no way of completing any of those solutions. They have had me waiting for 3 days now for one more solution which I personally think they are not going to do anything for me in getting back that money and are just stalling.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I found inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. It is impermissible for them to classify this reporting account as unverified without furnishing evidence within the legally stipulated timeframe. The following accounts require investigation and correction due to erroneous reporting on my credit file, as listed in my credit report : XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX Balance XXXX {$910.00} XXXX  XXXX XXXX Balance : {$27.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some hard inquiries on my account which i never ever applied for i never run any loan or any credit card or anything with th creditors and they still put hard inquiries on my credit report i dont know why but the best explanation i can think of is someone else would have run my social to get anything which results in this please look after on the hard inquiries please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington mortgage reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.
Product: Checking or savings account

I opened a checking account with Bank of Oklahoma. After a few days I received XXXX XXXX payments of {$1000.00} each. Then about XXXX  days later received an external transfer from another bank totaling {$2400.00}. After a few days Bank of Oklahoma locked my account. When called I was told the external transfer violated the rules of my account. So they were closing my account. The XXXX payments were credited to my account the {$2400.00} I was told would be sent back. Nothing mentioned about XXXX payments at all. I tried to get my {$320.00} dollars left in the account that was in there before all this took place. When I did I was told they couldnt give it to me because the people that sent the XXXX could still dispute the transactions. While this was going on I notified the sender of the XXXX payments. They requested since there was a problem that I send there {$2000.00} back in the form of XXXX XXXX. XXXX XXXX XXXX XXXX and a {$50.00} bitcoin purchase. Bank of still refused to give me my {$320.00}. The senders of the XXXX sent me an email explaining that they had gotten all their {$2000.00} back and there would be no dispute. Had no reason since they got their money back. I forwarded this to XXXX XXXX XXXX  XXXX XXXX. they never reponded. I had to call them, so far XXXX  times. There have been XXXX different emails sent including the one forwarded to them from the XXXX senders. I call this afternoon and was told they will not give me my {$320.00} for XXXX  days. Which in my estimation is unfair treatment and bordering on illegal practices by them. If they were concerned about the XXXX  payments why did they credit them to my account. There wasnt a problem with them at all until the external transfer. I believe Bank of Oklahoma is trying to keep my {$320.00} as penalty for violating their rules about XXXX thermal transfers. Hoping I will give up!!! XXXX I WILL NOT GIVE UP!!!!! I think since there was no mention of a problem with the XXXX payments. I should be able to get my {$320.00}. NOW. NOT IN XXXX DAYS!!!!!!
Product: Student loan

I noticed that the CFPB filed suit yesterday against Navient. My loans are serviced through that entity, and the CFPB description of Navient 's actions I read in y'all 's brief sounded strikingly familiar. For two years, prior to my return to XXXX school, Navient would repeatedly call me and essentially make it appear that I had no other choice but to choose forbearance. That said, I had never heard of income based repayment plans until recently, and my income was anything but at that time. In addition to being coaxed into forebearance for about 18 months, Navient was slow to recognize my right to deferment once I returned to school, and I have no evidence that they rescinded their reporting to various credit agencies as they promised to do for their error during this window of time.
Product: Checking or savings account

I paid ( via Banks Bill Pay ) {$150.00} from my XXXX Bank ( Pacific Premier ) checking account ending XXXX to XXXX 's credit card ending XXXX. This amount of money is stolen by XXXX Bank ( Pacific Premier ) or the XXXX Credit card company and it is missing for ever, no where to be found. I called XXXX Bank ( Pacific Premier ) and XXXX, they provided no help. Both are run by hardened criminals and bandits, who are engaged in Electronic Fund Transfer Fraud & Wire Fraud.
Product: Debt collection

This is not my debt, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I retired XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX During this period of time that this debt was established and my identity was stolen which has been filed with the FTC and reported to the Credit Bureaus and several of the Creditors have accepted my paperwork which is from the XXXX XXXX XXXX XXXX This Credit collection company never contacted me by mail or phone and when I found out through my credit report monitoring I immediately reached out to the company and they were rude and laughed at me and said oh well and by law they do not nee to accept my fraudulent claim by phone or word of mouth Verbally. This is detrimental to my life as I'm attempting to buy a home XXXX XXXX XXXXXXXX XXXX XXXX XXXX to accommodate my family XXXX XXXXXXXX this is not my debt and I beg to have this removed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having a sufficient funds when transactions were authorized, I was charged fees due to the lagges posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit Union for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices to be unfair and request an investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had sent in a complaint on XX/XX/XXXX ( XXXX ) to your office regarding the erroneous information in my XXXX, Experian, and XXXX in which the 3 bureaus are alleging that the information was obtained from the 3rd party Data Furnisher, XXXX XXXX. 
I also disputed the information with XXXX XXXX the Data Furnisher who sent me a letter stating that in accordance to the Fair Credit Reporting Act ( 15 } 1681 ), XXXX XXXX filed my dispute with the 3 credit bureaus and on XX/XX/XXXX this disputed information was deleted from their records. 
I then reached out to the 3 credit bureaus and asked how the disputed information was verified by XXXX XXXX the 3rd party data furnisher when the information had been deleted from my file. My to have this information corrected by the 3 credit bureaus have been ignored and I have not received an updated response since. Not to mention that XXXX and the XXXX use their bureaucratic process to justify keeping erroneous information on my credit report. Its evident by the way that XXXX sent me a letter on XX/XX/XXXX with the Consumer number XXXX stating that they were unable to fully authenticate my identity and requested that I send in additional information in which I did. In addition, I received 3 letters with the same Consumer number XXXX that states that the disputed information was being removed from my files. Also note that the name in the body of the correspondence that reference CFPB Case # XXXX that I am attaching, is spelled XXXX XXXX which is not my legal name and further shows how erroneous information is being placed in my credit files and I want all traces of the XXXX  XXXX deleted off my 3 credit reports with XXXX, Experian, and XXXX. 
This erroneous information has caused me undue hardship financially and slowing up the process of me from getting my security clearance from my employer. This has caused irreparable harm to my credit file and I am requesting that this damaging information gets deleted from my credit files immediately. I am also requesting statutory and punitive damages in the amount of {$3000.00} from all 3 of the credit bureaus XXXX, Experian, and XXXX for a total of {$9000.00}. This credit reporting system is an unfair system, predatory and life ruining and preventing me from recovering financially from the Covid-19 pandemic. Credit inequality matters. It contributes to the wealth gap. And part of closing that gap is acknowledging and eliminating systems like erroneous reporting of credit information that, intentionally been hindering consumers from becoming financially healthy.
Product: Vehicle loan or lease

Prestige Financial repossessed my car on XX/XX/19 The XXXX was paid off with the bankruptcy and they did not give me my title and told me I would interest on it I didnt got a lawyer to look at the paperwork and they sent them a letter saying they owed me XXXX  which of I paid XXXX  And did not get a response my next step is to do the complaint here and if that doesnt solve it hire a lawsuit lawyer which my lawyer told me I can and they crammed the down the bankruptcy interest rate
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was not notified and was unaware of this medical balance till I saw it on my credit report about 6 months ago. I contacted the company and disputed it but I did not get a explanation of the debit and they could not provide any information, just stated that they do not own the debit and they would contact the original creditor XXXX XXXX  which is not a hospital here in XXXX, FL. This has now negatively effected me in my home buying process.
Product: Checking or savings account

My XXXX  year-old mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts, mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He was making transfers into other accounts that were over {$10000.00}. He charged just under {$50000.00} through XXXX ( which my mom didn't even know was a company ). He brought his house out of foreclosure and sold it less than XXXX weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX XXXX XXXX : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : Wells Fargo and XXXX. 
He also " sold '' her an annuity ( that cost {$250000.00} ) through XXXX XXXX. The annuity did not list a death benefit ( although it was specified in her will ). The banks appeared to have done NOTHING to protect my mother who was a vulnerable adult from the financial exploitation ( along with countless crimes- state and federal ) that XXXX XXXX XXXX on her.
Product: Debt collection

I attended XXXX University online on or around XXXX taking classes towards my XXXX. I was informed at the time that I could withdraw from classes within 10 days per the financial aid rep/counselor. I had three classes and decided it was overwhelming due to just having a baby and was assured that this would not go against me adversely. With this misinformation my GPA dropped, started receiving emails stating that I owed over {$3000.00}. I then proceeded to settle the problem on different attempts with a letter of grievance, doctors documentation etc. to no avail.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account fraudulently opened in my name, account number XXXX, originally with XXXX XXXX. Despite my attempts to resolve this issue, it was sold to Portfolio Recovery Associates , LLC, who continues to report a balance of {$400.00} that I do not owe. 

This account was created as a result of identity theft, and I have already filed a report with the Federal Trade Commission ( FTC ) documenting the situation. However, even after notifying XXXX XXXX  about the fraudulent nature of the account, it was sold to Portfolio Recovery Associates , LLC, which is now reporting the debt inaccurately, causing damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting

information was taking off my credit report and later put back on to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When will CFPB actually start protecting consumers from these unethical credit reporting agencies? 

Experian recently decreased my credit rating by XXXX  points. Today Experian again decreased my credit rating. Why doesn't Experian have to inform me of the reason for these changes? 

1. I have NO late payments, NO judgements, No bankruptcies.

2. I have NO new credit inquires.

3. I have ONE mortgage which has always been paid on time.

4. I use ONE credit card which has always paid off in full each month.

5. I have one back-up credit card which also always has a XXXX  balance.

6. My " debt to income '' ratio has actually decreased as my mortgage balance has decreased and my income has increased.

There are NO visible changes to my credit report but Experian continues to decrease my credit rating.

How am I, or any consumer, supposed to maintain a good credit rating when Experian makes changes with no apparent reason nor does Experian provide any explanation.

As consumers, we have no choice - files are open with the three credit rating agencies and we have very little control over these files. They sometimes have incorrect information which we, the consumers, are expected to correct while the credit reporting agencies are never held accountable for their mistakes. They seem more interested in marketing new " features '', scaring the consumer into buying unnecessary services. Tell me what the difference is between Experian 's " Credit Lock '' and the " Freeze '' that I already have on my account! 

We need strong laws regulating the credit reporting agencies and a better CFPB that will actually do something other than merely submitting our complaints to these agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im re submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$29000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} BANK XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX VERSE ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX XXXX MO XXXX XXXX Creditor Name XXXX XXXX CO XXXX AZ XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7500.00} BANK OF XXXX XXXX XXXX : {$7200.00XXXX XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$31000.00} ( peviously Late open ) XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX : {$670.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with Barclays Bank is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this matter.