23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper has provided the below 'contact ' information as the owner of my mortgage. 

XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX However, I am unable to contact or speak to anyone from this organization. Why am I unable to contact the investor / owner of my Note directly? 

I have repeatedly asked Mr. Cooper who I can talk to with no response. 

I call the organzation at the address and they can not put me in touch with anyone either. 

WHAT IS A VALID PHONE NUMBER, EMAIL OR CONTACT NAME FOR THIS " INVESTOR ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.

XXXX Potentially negative Date openedXXXX Balance {$1.00} StatusOpen. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX XXXX  XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$470.00} StatusCollection account. {$470.00} past due as of XX/XX/XXXX. 
CHILD SUPPORT ENFORCEMENT Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of XXXX  indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with XXXX  LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Mortgage

I've been dealing with this for about three and a half years. I have sent emails and letters to both mortgage companies with no resolution. My mortgage got transferred from XXXX XXXX to Select Portfolio Servicing.  There was a deferred principal balance of {$26000.00} that was canceled from XXXX XXXX. I have the letter regarding the cancellation. XXXX XXXX will not answer Select Portfolios messages I've sent messages and they will not answer mine either. Neither mortgage company is being helpful. I want this amount removed from my file at select portfolio services. it should not be on my balance at all not even under deferred principle. XXXX XXXX will not respond to select Portfolio services. And select portfolio services refuse to take that amount off of my mortgage. I don't know what I'm supposed to do now. If you need a copy of all of the correspondence and the letter I would be happy to send it to you.
Product: Credit card or prepaid card

In XX/XX/2022, I took advantage of a Balance Transfer offer with my already existing citibank credit card. I have had this card for 10+ years but have not used it for the majority of that time. I had the payments set on auto-pay so I had not looked at the statements until XX/XX/2022 where i noticed they had charged me a monthly fee of ~ $ XXXX {$25.00} each month for a " Payment Safeguard '' service that I never requested, nor was communicated to me in any of the balance transfer documentation that this fee would be charged. This is stated on the statement as an optional charge - however i was not notified prior to this fee/service being billed. I did not want this optional service. I called to remove this service and request a refund. They told me I had no way of getting in touch with the refund department but that I would receive something in the mail with the final decision. The letter stated that because my account was protected during that time, i was not entitled to a refund. I did not request this Payment Safeguard, and now i'm being charged interest on the amounts of the service fee! I have not been able to speak to anyone directly about this, except to cancel the charge. This was deceitful in placing this on my account without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX XXXX NAME XXXX EMPLOYER : ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  NAME : EMPLOYER XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX, GA XXXX INQUIRIES : XXXX  : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information might have been impacted by the Equifax data breach and may have got into the wrong hands of the wrong person. 
I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle. 

I would appreciate for you guys to remove any inaccurate information on my credit report, here is the following in accurate information Equifax : XXXX XXXX XXXXXXXXXXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX and account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the context of your credit report, historically, only three types of entries were public records : tax liens, civil judgments and bankruptcies. Now, only bankruptcies should show up as a public record on an individual 's credit report. XX/XX/2017 Changes to Reporting of Public Records Data Effective XX/XX/2017, changes should significantly reduce the amount of public records data in credit reports. The nationwide CRAs are no longer reporting in consumers credit reports up to 50 % of tax liens and almost all civil judgments. These reductions are a result of the use of stricter criteria to match public records to a particular consumers credit file. As announced by the Consumer Data Industry Association, the criteria will require either a Social Security Number or date of birth in order to match a record data which most civil judgments and many tax liens do not include. Because the CRAs will not be able to match the public record data to a consumers file, about 50 % of tax liens and most civil judgment will not be included in the consumers file. The stricter matching criteria is the result of a settlement between the nationwide CRAs and the attorneys general in 31 states and a separate settlement with the New York Attorney General, as well as supervision by the Consumer Financial Protection Bureau. About 6 or 7 % of scoreable credit reports ( translating to an estimated 11 or 12 million consumers ) will be affected according to FICO, but the improvement will be relatively limited. About 75 % of affected consumers will experience a credit score increase of less than 20 points. For more on matching and other errors in the collection of public record information, see NCLCs Fair Credit Reporting 4.3.2.5. For Fair Credit Reporting Act violations as to the reasonableness for CRA procedures regarding public record information, see Id. 4.4.6.5.
Product: Mortgage

PLEASE PROVIDE APPROVED CLAIM FOR THE SUFFERING FORCED UPON ME BY CORRUPT ATTORNEY XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX LOAN XXXX AND SCAM XXXX XXXX XXXX AND FISERV. PLEASE REVIEW ALL DOCUMENTS AND PAY OUT CLAIM OR I WILL SUIT YOU.
Product: Credit reporting or other personal consumer reports

After reviewing my copy of my credit report, I've noticed an account that was not reported accurately. My report showed a late payment that was actually paid on time. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information contained in credit reports. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date in question XXXX I'm requesting an investigation into the below account and update these payments to paid on time immediately. Thank you for your prompt action. XXXX XXXX XXXX Account number XXXX
Product: Debt collection

The debt collector engaged in the unlawful, abusive, deceptive, and unfair practice of the FDCPA which it prohibits. They furnished this account that I don't agree with and I didn't sign an agreement or any legal contract. A contract is an agreement between two people and I did not participate in any contact with this company. They did not follow the proper process of validation, which makes these unfair practices according to FDCPA. In addition, I am entitled to $ XXXX for this violation. 

An FCRA violation refers to a violation of a federal law that regulates that collection discrimination and use of consumer discrimination and use of consumers regulation agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.
Product: Student loan

My student loans were transferred to Nelnet in XX/XX/2022. I have been making payments of {$500.00} to {$1000.00} per month and recently discovered Nelnet has only been crediting my loans with {$40.00} payments. I contacted Nelnet customer service weeks ago and provided them with printouts from my XXXX XXXX reflecting the dates and amounts of the electronic payments to Nelnet. As of today, Nelnet is unable to tell me where the missing funds are and why they haven't applied the funds to my loans. I received a call from customer service approximately two weeks after notifying them of the discrepancies and they informed me they have not made any progress in determining what has happened to the thousands of dollars I have sent them since they assumed servicing responsibilities for my student loans. I have researched this issue and discovered that this is not an isolated situation and countless other borrowers have complained of similar misconduct by Nelnet.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Transunion, disputing inaccurate accounts on my credit report. To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address The first letter was mailed on XX/XX/year> ( XXXX XXXX mail tracking number XXXX ), and I received a response dated XX/XX/year> via email. 
The second letter was mailed on XX/XX/year>, and I received a response via mail dated XX/XX/year>. 
In both responses, Transunion stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Transunion has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
Product: Student loan

I am not sure if Nelnet is the federal government or a non- federal student loan. 
Department Of Education/NELNET In XX/XX/XXXX, I took out a parent-plus loan in the amount of {$5000.00} for my son who was attending college. I began paying the loan back in XX/XX/XXXX. I made monthly payment until XX/XX/XXXX and several payments in XXXX. My remaining balance was {$2400.00}. I applied for Total and Permanent XXXX discharge through Nelnet and was approved to be XXXX from the loan. In XXXX I begin receiving letters from them stating that because I did not following the instruction of the 3 year monitoring period the loan was reinstated. When I checked my credit report Nelnet added a loan from XX/XX/XXXX that I did not take out and I have no knowledge of this additional loan. I have never been to college and never applied for any additional student loans. I have wrote them several times asking them to remove this loan. I informed them that I did not take out this loan from XX/XX/XXXX. I also informed them that I had only taken out one loan and it was a parent-plus loan in XX/XX/XXXX, and my balance was {$2400.00}. I informed Nelnet to please correct this because they are sending me statements that I have two separate loans totaling over {$5000.00}. Also they have put this on my credit report. Nelnet has not remove this from my credit report and has not address my problem. Also I have applied for Total and permanent XXXX again because I am on social security because I am XXXX and I have sent them all the documentation but have not heard from them.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates 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 they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

My business account has been a victim of bank fraud, and check fraud. The first fraudulent check is from XX/XX/XXXX in the amount of {$35000.00}. {$17000.00} in XX/XX/XXXX. {$700.00} in XX/XX/XXXX. {$5100.00} in XX/XX/XXXX. {$600.00} in XX/XX/XXXX {$48000.00} in XX/XX/XXXX. This fraudulent checks have been computerized made, issued without my consent, without my signature, without any waterMark check safety measures. My financial institution has allowed this check transactions to keep posting. I had advised my bank PNC to not allow computerized checks to be processed since I do not use computerized checks for my business operations. PNC bank, advised me to change account numbers, but I can not afford to do that since my business has many transactions on a daily basis, and I have my account number associated with several merchants, lenders, suppliers, customers. I have been doing business with PNC/ BBVA for over 7 years, but I no longer feel safe doing business with PNC formerly BBVA . As a solution to revolve this very serious matter, I would like my financial institution PNC to investigate this serious matter. I would also prefer for authorities to step and get to the bottom of this very serious matter since its affecting my business operations drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$2500.00} Open balance XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act, this creditor has violated my rights! 5 USC 1681 I HAVE A RIGHT TO PRIVACY. 
Consumer reporting agency can not furnish an account without my my written instructions under use 15 1666b A creditor may not treat a credit account under an open ended consumer card for any purpose.
Product: Debt collection

They wo n't send in writing what I owe? Send me in writing what I owe, rather than report it to the credit reporting agencies.
Product: Mortgage

- My insurance agent sent declaration for renewal of flood before XXXXXXXX XXXX XXXX to Newrez Mortgage - My wife and I sent Newrez Mortgage a copy of same declaration before XXXX XXXX XXXX 
- Escrow balance exceeds $ XXXX, the policy renewal was {$3000.00} - We have never ever been late one day on any payment. 
- Our flood insurance, through XXXX XXXX XXXX XXXX expired on XX/XX/2023, they have not received payment as of today, XX/XX/2023, flood insurance has lapsed. 
- We received a letter from Newrez dated XX/XX/2023, stating that we were late paying our flood insurance. 
- That same letter from Newrez dated XX/XX/2023 threatened Force-placed insurance. 
- Again, Newrez collects escrow, we have never been late on any payment, there was more than ample funds in escrow to pay this policy on a timely basis which was not done.
Product: Debt collection

Company refuses to update my credit report after a settlement was made on my account and was provided with documentation as settled in full. They continue to update my credit report as late and damage my credit rating. 

XXXX XXXX XXXX XXXX as of XX/XX/2020 2020
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and 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: Money transfer, virtual currency, or money service

I had 13 charges to a Google pay account I did not authorize in the amount of {$1800.00}. I disputed it with my bank who considered it fraud, but retracted the claim once Google claimed that these were legitimate charges. Google Payments sent me an email stating that " due to suspicious activity, we've suspended the ability to make payments through your account on Google products and services to prevent unauthorized charges. I have made numerous attempted to contact Google and have yet to receive a response. Please review my case so I can get closure and return the significant amount taken from my accounts.
Product: Credit reporting, credit repair services, 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 XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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


As a consumer by the law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and or deleting the accounts listed in my disputes.