23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not get any response from the credit bureaus regarding these accounts I disputed which is already over 60 days : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX-XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused servers XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing that I am also a victim of ID theft?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 12 U.S.C and 1681i ( 7 ) Methos of verification- Description of reinvestigation procedure. 

Resolution As a consumer, by law my credit report must be made 100 % accurate immediately by credit reporting agencies updating and/or deleting the accounts listed Thank you
Product: Debt collection

In XXXX National recovery trying to collect a debt that already been paid off I ask them to take it off and they havent
Product: Credit reporting or other personal consumer reports

I lost money from fraud in the XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX the total fraudulent amount for XXXX XXXX XXXX are {>= $1,000,000} ) the total fraudulent amount for the XXXX XXXX XXXX XXXXXXXX XXXX XXXX are {>= $1,000,000} ) please I request to XXXX  to get back the assets I have lost from the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and outdated information on my consumer credit report. 
I have made multiple attempts to have these accounts removed because they have not been properly validated pursuant to the Fair Credit Reporting Act. Experian has willfully and knowingly reported this inaccurate and outdated information on my credit report including someone else 's social security number. The negligence of Experian has put me at risk of identity theft and financial harm. These actions are also defamation of my character. If this final attempt fails I will pursue legal action representing myself pro-se in federal court and formally request a jury trial.
Product: Mortgage

We chose to utilize the Pandemic Forbearance option because representatives from Mr. Cooper/Nationstar told us, verbally, that deferment would be available as a completion resolution. Later our mortgage servicer, Mr. Cooper would not provide deferment. We wrote them a formal letter ( XX/XX/2021 ) requesting that the provision for deferment be honored and requesting a more responsible brand of communication than the contradictory and confusing directions provided. 

The written response that we received in reply did not answer our questions or help the situation. 

Mr. Cooper then instructed us to apply for a modification. We are still hoping to receive the deferment as promised. Our XXXX XXXXXXXX loan is working well for us and we prefer not to adjust away from it. We could not get an accountable answer from Mr. Cooper about why we were told that the forbearance could complete in a deferment but then that was not provided. 

We then were notified that the modification also was not offered by the lender. We sent in a second letter ( XX/XX/2021 ) seeking to understand why the modification had been offered and then we were notified that it was not available. 

We have been respectful throughout this communication process and have diligently paid our loan for more than 15 years. 

We additionally have the concern that when Nationstar adopted the new name, Mr. Cooper, they intentionally created an expectation of neighborly and more personal service. The corporate confusion and runarounds we have experienced created the sense that the adopted image is inauthentic. 

They are now demanding about {$26000.00} and threatening foreclosure. They continue to advise that federal monies are available and for us to apply in order to pay off this sum. But we feel this is unethical and that the company is attempting to receive the government money rather than provide the deferment that we were told would be available and that they will not not provide. Additionally we believe that the refusal to provide at least the modification may be a breach of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I made a mobile deposit for {$1400.00}. I had access to {$460.00} and the remaining {$1000.00} would be made accessible 7 days later. On XX/XX/XXXX Wells Fargo charged me {$100.00} worth of overdraft fees ( 3 x {$35.00} ) then again on XX/XX/XXXX, and two on XX/XX/XXXX all for {$35.00}. I called Wells Fargo on XX/XX/XXXX and they told me there was nothing they could do. I would not have overdrafted if they didn't hold 2/3rds of my paycheck. Half of the time, Wells Fargo would have just rejected payment for the fees as they are scheduled bill transactions. I thought I set up so that the transactions would have been declined not paid and overdraft fees initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.

7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Mortgage

I have two issues or problems paying my mortgage.

1 ) During the process of attempting to resolve unapplied funds due to an escrow issue with 5/3 Bank, I have been given insufficient instructions on what to pay to get my loan current. During multiple calls, I have been told that the fees will be removed as the issue started with an error on the 5/3 's side which is confirmed by a letter received from 5/3 where the apologize for their inability to service and provide guidance to me. However, this inability continues and I now have another {$74.00} in late fee but none of my payments have been received late ( All within the Grace period ), and all in line with directions provided by 5/3 customer representatives. It seems like I have no way to pay this loan in-time or with the right amount as 5/3 is changing the goal post on my over and over again. Instructions and promises over the phone are wrong or pure lies. 
2 ) In my attempts to refinance due to lower interest rates, I found out that my credit score is severely impacted by 5/3 's horrendous practices. This is also something that 5/3 confirmed and apologize for in a written letter dated XX/XX/XXXX. This mistake on 5/3 side will now cost me {$50.00} per month for the next 30 years or about {$18000.00}. During my many phone calls with a 5/3 representative, they constantly told me that this information would not be reported to the credit bureau. Another lie or misinformation. If I would have known, I could have paid the difference until 5/3 corrected my accounts. Again, how can you trust a bank institution when the can not provide accurate information or they straight up lie to you. Is their no code of conduct in this institution or within the banking industry?
Product: Debt collection

I received a letter with my maiden name on it as a new account. Saying I owe {$820.00} when I called them to inquire and explain that I have not used that last name in 25 years. I had the letter and I read to them the account identification information on the letter. Despite providing the info on the letter they tried to gather my SS # and my date of birth. I then advised that as a debt collector you added what must be given to get information on this account yet you are asking for information you don't have to collect a debt. I then repeated the fact that the name is wrong clearly a fraud issue they refused to provide the steps to get this resolved and said they were not a debt collector rather a call center. I advised you are now concealing/ impersonating who you really are. they then hung up on me. Still have the issue and don't know what I should do now.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mortgage services. They have never had my permission to run any credit check. They did one on XX/XX/XXXX of XXXX and another one on XX/XX/XXXX of XXXX. 
I applied for a XXXX through XXXX XXXX in XXXX of XXXX and again in either late XXXX of XXXX or the beginning of this month which is XXXX of XXXX. 

To do a hard inquiry on my credit report is fraudulent! It's their credit report that it's showing on it's their mortgage company or service. 

That's actually identity theft. Because that part of Equifax used my social security number my name my birth date they had to do that in order to do a hard inquiry and I did not give authorization nor have I even talked to them I've been approved through XXXX XXXX  since XXXX. 

Those hard inquiries must be removed immediately! 

I am filing fraud on all my credit reports and I'm going to make a police report that they stole my identity. 

I had my identity stolen on XXXX as a veteran in XXXX I do not expect my credit reporting agencies to do the same thing. 

Thank you for your time and I look forward to getting this resolved I'm in the middle of trying to get credit for everything and that's not good their hard inquiries and they sit there forever.
Product: Credit card or prepaid card

I have been trying to receive a credit card from citibank since XX/XX/2018. Unfortunately, the two times they have tried sending my card since then have not been successful. I tried to cancel my card afterwards but despite being able to answer all my personal questions, they refused to do so on the grounds they could not send a message to my personal phone. They have sent a letter that would allow for my identity to be verified, except I have until now received no mail from them, so I am not confident this will work either and when I pressed them as to what will happen if the letter does not arrive, I was told that they are not sure. I am uncomfortable that I have an open account that I can not use and can not close.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the 3 bureaus to resolve this collection XXXX XXXX XXXX Account number XXXX. I have no knowledge of this collection and have requested by certified letter to all XXXX bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report.
Product: Student loan

This loan is on its third processor in two year ( XXXX to Great Lakes to Nelnet ). The loan was not " redisclosed '' upon a huge payment being made that paid off 1/2 of the loan balance, and therefore was not " reamortized '' to compute the correct loan amounts and payments. Over time this has resulted in fees/penalties and higher interest than should be. None of the processors has made any efforts to fix this and now NELNET is misapplying payments and the loan balances have been going up on a monthly basis even though I pay more than the minimum and they show me as " paid ahead through XX/XX/2021 ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX  to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still dont know how or where this debt has been verified. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX  or the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX Balance XXXX {$1200.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX  XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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: Debt or credit management

XXXX XXXX XXXX XXXX is reporting late payments to my credit report and that is illegal using consumer law 15 USC 1681/151 666 B
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX accounts on my credit report that re duplicate accounts of each other. These are the accounts that are reporting, which are duplicates. 

XXXX  XXXX {$1300.00} and XXXX XXXXXXXX {$1300.00} I have asked them to delete those accounts because they are in error and violation but they refuse to delete them. They sent me a letter and said they would not investigate further but there is nothing to investigate because that is the same account. 

The FCRA states if there is an error on my credit report it must be deleted and that is what they must do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should not have ever been reported as a repo -- the account was less than 30 days delinquent at time of repossession -- at some point the account went 45 days delinquent - the account was brought current but they forgot to remove the repo order ( per the representative ) but because it was repossessed the only way for me to get the motorcycle back was for me to pay the full balance which I dont feel was fair -- now it shows a invailid deficiency balance -- the motorcycle company feel that it should not be repossessed but they cant do anything s
Product: Mortgage

An initial request for cancelation of the PMI on our mortgage was made in XXXX. We submitted an appraisal from a local appraiser who had appraised this home twice before ( during the initial purchase and during a refinance ). The appraisal showed that the value of our home was {$560000.00} at that time. At that time our request was denied because the appraisal was not provided by the Lakeview Loan Service. 

This was later revisited in XXXX XXXX XXXX We authorized Lakeview to perform the appraisal. The new appraisal listed the home value at {$500000.00}. As a local XXXX, I'm well aware of home values in my region and the reported value did not align with my professional opinion. We became aware that the appraiser was not local and was unfamiliar with our local marketplace. We decided to dispute the decision. 

As part of our dispute, we paid for a third appraisal with another local appraiser and this appraisal reported the house value at {$550000.00}. At that time we had a mortgage value of {$400000.00}. This is 73 % of the value of the home and well under the threshold for requiring PMI. Our dispute was again denied. 

We made a last attempt to appeal the decision and provided Lakeview with evidence that they requested showing how our home compared to homes of similar value in our area. This was provided in detail and our appeal was again denied.
Product: Debt collection

We Have insurance! The debt has been reissued to the insurance provider. Give it some time! Since covid, nothing works as fast!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  says that I owned them XXXX dollars they send the bill to collection on my credit account it says I opened it on XX/XX/XXXX of XXXX  Ive never been to hospital quite some time now this is not my bill Ive tried to dispute it with TransUnion, on XX/XX/XXXX  my results were not changed even with XXXX as well Ive yet not received the result Ive been looking for, i honestly feel like they violated 15 u.s.c 1692d
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The errors are as follows : XXXX XXXX XXXX {$4700.00} XXXX  {$28000.00} XXXX XXXX XXXX XXXX {$20000.00} Acct # XXXX