23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute and urgently request the correction of inaccurate information on my credit report. Upon contacting the respective banks, it was confirmed that a system glitch led to the provision of incorrect details. The banks have assured me that the negative information on these accounts will be updated to reflect a positive status or marked as closed/never late. The following accounts are currently in dispute : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Nationstar c/o CFPB, Nationstar Customer Relations Department XXXX XXXX XXXX XXXX TX XXXX XXXX : Nationstar Mortgage LLC ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and .. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my XXXX XXXX attorney ; the XXXX XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Product: Debt collection

My family and I are constantly harassed by XXXX XXXX from XXXX XXXX XXXX She has been harassing us since XX/XX/2023, calling several times a week! 

She has somehow found m family 's landline phone number and has been calling and harassing my elderly mother with abusive and threatening language. We have her voicemails, emails, and constant tyrants captured to be shared as evidence of her aggressive actions. 

Please investigate the inappropriate and abusive practices of XXXX XXXX, she is negatively impacting the lives of innocent consumers every day! 

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

Because of the Pandemic during the months of XXXX and XX/XX/2020 the car payments were late. I called the Lender and explained that Millions of people were waiting for their unemployment payments due to not working because of pandemic. Lender agreed that I would not be penalized for late payments. All of a sudden I notice my credit score drops 30 points because the lender reported me late. I was able to make my XX/XX/2020 Payment because I received the {$1200.00} stimulus check but I was still waiting on my unemployment. I Filed for that unemployment in XXXX and did not receive my first check until XX/XX/2020 and you will see that on my credit report I made a payment of XXXX and XXXX at one time. The lender did this on purpose they know late payment will drop your score and if they keep your score low they stay in business. Something needs to be done about this type of fraud. I have no problem allowing my cell phone records to be pulled to show proof there were calls to the lender during that time. What other reason would I be calling the lender? I have never called them since getting the loan and since the last call to dispute. Infact I can show my bank statements where I was not charged late fees for that month so then why was I reported late to credit bureau.
Product: Debt collection

In accordance with the Fair Credit Reporting Act Portfolio recovery associates has violated my rights. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that limitations to collect a debt is XXXX XXXX. Portfolio Recovery has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then Portfolio Recovery changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last XXXX XXXX Portfolio has hired an attorney XXXX XXXX XXXX and both request compensation for a debt that has passed statue of limitations as well as never validating the debt. 
I did not receive a notice before the summons as well. They lack standing to collect the alleged debt. They violated the 15 USC 1692 which states There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy and 15 USC 6802 which states Except as otherwise provided in this subchapter, a nonaffiliated XXXX party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving XXXX party, disclose such information to any other person that is a nonaffiliated XXXX party of both the financial institution and such receiving XXXX party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX/XXXX  'S ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Mortgage

Due to COVID we've incurred additional expenses and infected with COVID. We applied for the forbearance program allowed under the FHFA for relief of payments for GSE loans, we have a conventional 30 year fixed XXXX loan. On XX/XX/2020 the XXXX released new repayment options for homeowners in forbearance, reinstate your payment and the deferred amount will be added to the current loan. Repayment will trigger if the consumer refi 's or sells the home. Every letter and communication I received from Quick states I need to refi, pay a lump some, apply for loan modification or foreclosure. This is misleading, Quicken is pushing me to an option that generates fee income and falls under predatory lending by offering products that incurs fees and benefits Quicken not me.
Product: Credit reporting or other personal consumer reports

There are a few XXXX Inquires on my account that I would like to dispute. I do not recall ever applying for these credit lines. I believe these are fraudulent transactions please be advise. The subject hard inquires are as follows : XXXX. Advantage Credit , INC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please instruct me on how to handle this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and theres adverse and negative accounts and information listed on my Sage Stream Consumer Report which is all fraudulent accounts and information thats not mine and dont belong to me. I should have a clean and positive Sage Stream Consumer Report because I have been XXXX  for the last 17 years. Review attached documents.
Product: Mortgage

My home was forclosed on by Caliber Homes who bought my mortgage from XXXX in forclosure. I feel it was a stealth forclosure.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Threating that I would get a letter from lawyer. I spoke with original debt and they stated I could pay them for my debt.
Product: Credit card or prepaid card

Citi cards sent me a letter stating they wont reissue me a credit card. The reason on the letter stated Due to bankruptcy or charged off accounts we wont be able to reissue you a new card. and closed my credit card and making my credit score drop about 100 points. Ive never had any bankruptcy accounts or have any charged off accounts. I tried calling citicards several times to explain the issue but I get no help all they due is say we will investigate call back 10-14 days when I do call back citicard has no explanation! Due to them bringing my score down I cant even apply for another credit card or lines of credit. Ive taken care of my credit for over 20 years Ive never had a late payment. Ive never went over my credit limit. Why should I be punished for citicards mistake Before this issue happened my credit score was at XXXX. I called today again citi wanted to pull my credit to see if they can give me a new card. If they pull my credit my score will go down more and will probably get denied. I dont think what there are doing is fare. They really need to investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I called Equifax to disbute a medical collection under {$500.00}, that has been previously removed by XXXX  and XXXX and is reporting to my Equifax credit profile. 
XXXX XXXX XXXX XXXXXXXX is attempting to collect a medical debt for XXXX XXXX in the amount of {$410.00}. 
Equifax reinvestigation concludes the debt valid but failed to address the original complaint that the allege debt is under the new ( XXXX ) rule excluding medical debt reporting under {$500.00}. 
Matter of fact the " reinvestigation '' does not even include verbiage to suggest my specific complaint. 
Furthermore the " reinvestigation '' did not address the issue I complained about nor did it capture the fact that XXXX  and XXXX have recently deleted this item from my credit profile. 
Ultimately, this item is being reported erranously and not equally across the 3 credit bureaus and for the 2 reasons given I would like this item removed from Equifax credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX has violated my rights. 

i've already disputed these items, but they did not remove, nor prove validation. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Experian emailed me stating that my dispute was completed. So I checked the results on their website, and found that they deleted the item that I disputed. About an hour later they sent another email stating they updated information about the account that had nothing to do with my dispute, and my credit score was  lowered by 4 points. The company in question is XXXX. It's a charged off account that I have no recollection of, and I have requested that Experian and the company send me proof of some sort of documentation or contract that this is my account. I haven't received anything. Although Experian stated it was deleted, it shows the company is still on my report, and Experian is allowing them to provide recent non payment history although its not my account and its a charge off. This is what lowered my score after Experian claimed to have deleted the account. This account was fraudulently opened in XXXX. I have been unable to reach Experian over the phone and would like answers as to why they stated the account was deleted upon investigation, yet the account is still on my report, lowering my score.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any incorrect accounts should be removed from my credit report. Can you please review the documents? Some accounts have incorrect reporting, amounts, and dates listed.
Product: Debt collection

I have reached out to XXXX XXXX XXXX to resolve this issue. They haven't sent anything to show that I owe anything to them. They haven't validated anything.
Product: Credit reporting or other personal consumer reports

Navient reporting {$25000.00} is false. Staying that there isa breech of contract, transferring funds that was not received. On XXXX, XXXX. I've contacted the company every year. To prove the enrollment was cancelled and discharge and that was corrected. I still see the problem on my credit report. I never received the loan the agreement was cancelled immediately. I did not agree with the total amount for enrollment.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX Account Number : 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: Vehicle loan or lease

A month after I purchased the car my radio screen went out as well as my battery, not even two months after I had to buy a new set of tires and now at almost a year of my loan my car is having more and more problems!! The problems after the first month were addressed at that point and time and the dealership advised there was nothing they can do and they would not let me out of the car, the sales man that sold me the car quit along with most of the staff involved. Im now stuck in this car that has less that half the value Im paying for it XXXX XXXX In XXXX, AR
Product: Credit reporting or other personal consumer reports

This is my other 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 XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX.
Product: Checking or savings account

On XXXX XX/XX/2021 atXXXX XXXX, I received a text stating " The phone associated with your chime account has been updated to ( XXXX ) XXXX XXXX. Please contact XXXX XXXX at ( XXXX ) XXXX you did NOT request this change. '' I also received an email stating my email has been updated to XXXX. I immediately tried to log into my online banking app but was complete locked out. Someone else had complete control of my account! I called the Chime Member Services at ( XXXX ) XXXXand I spoke with a representative who told me that I needed to send a copy of my ID along with the last numbers of my social security number toXXXX. I sent the requirements in an email multiple times, I have fully cooperated every step of the way. I have received a series of emails that state my account was closed due to me going against internal policies. However I can assure I did not. Anything that went against the policy was from the person committing fraud against my account. Chime has been very unhelpful, they have closed my account, wont share any details with me, nor will they reimburse any of my money. I also filed a police reportat XXXX XXXXwith the XXXX Police Department and with the XXXX XXXX XXXX Police Department where the transactions took place. I had a total of XXXX in my checking and savings account, until someone was able to make a total of 3 transactions that I did NOT authorize. The transactions were {$1000.00} Thursday XXXX XX/XX/2021 at XXXX XXXX at XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, VA, {$1200.00} Thursday XXXX XX/XX/2021 at XXXX XXXX at XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, VA {$200.00}, and Thursday XXXX XX/XX/2021 XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA.This member was able to steal {$2400.00} from me AND still has access to my account. Chime also refuses to change my email and phone number back!
Product: Credit reporting or other personal consumer reports

REMOVE UNAUTHORIZE INQUIRIES FOUND ON MY CREDIT REPORT : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, my Regions Bank card wasn't working. Nor was my wifes. ( same account ) I called the branch and was told I need to come by. Turns out that on XX/XX/XXXX, 3 fraudulent checks were written on my account that I've owned for 30 years.The first check was to XXXX XXXX XXXX. Only {$74.00}. They then had printed checks made with MY account number and a name of a woman in XXXX. XXXX MN. XXXX XXXX name was on the check with my number and she then wrote 2 checks drawn from my account on same day ( XXXX ) Each check was for {$18000.00}. I never had a call to verify anything. In fact I wasn't informed until I called a week later. I never write checks like that! 

I've filed a complaint with Regions and NOTHING has happened. I'm out my money for 3 weeks now. No apologies, no money. I have opened up a new account so I could begin moving credit card and direct payments over. Regions never actually FUNDED the account. I've made numerous calls and waited in the office an hour while banker typed. Nothing is in there yet. I can't withdraw the remaining {$40000.00} in my account as withdrawals are frozen. 
How did XXXX XXXX get my account number and then put another persons name on that account? I think someone at Regions is involved and nobody is talking ... They won't even tell me where the checks were cashed. They said " we don't know ''. I also wonder why I wasn't called when someone in a state I've never been in presents 2 large checks. I've been called for a {$200.00} check I've written to a yard service with XXXX sounding names ... but 2 checks for {$36000.00} doesn't set off a bell?? 

I'm getting nowhere from a totally unresponsive Regions. XXXX Police Dept was notified day one. Since checks were evidently cashed in Minnesota, they say it's their jurisdiction and not MPD. I've sent affidavit to XXXX. XXXX MN. Heard nothing yet. 

I need help. I'm fortunate enough to survive with a couple months of salary missing but I know most Americans aren't so lucky. They'd be looking at BK or ruined credit at best.
Product: Mortgage

In XXXX of 2022 I sold a property. The property had a Truist home equity loan. They initially lost the payoff from the title company that closed the property. The XXXX envelope was signed for by a Truist employee. About a month later, they admitted that they lost the check and asked the title company to issue a new check. The account should have been closed since the property had been sold. 

However, they subsequently force placed insurance and charged me for that insurance. They withdrew the money from an account at another bank even though I had deleted all payment information prior to selling the property. Every person at Truist told me that was not possible since I had deleted all payment information. Yet, they still found a way to steal the money from my other account. 

In XXXX, I was told it was all taken care of and the insurance had been canceled. But now, Truist has sent me another letter threatening me with forced placement of insurance yet again. No one at Truist is smart enough to figure out why they keep buying me insurance for a property I do not own.