23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This letter is being emailed and sent to : The Offices of XXXX XXXX XXXX XXXX XXXX Mr. Cooper/Nationstar Mortgage and copied to : The Office of XXXX XXXX - Texas Attorney General The Office of XXXX XXXX XXXX County District Attorney The Office of XXXX XXXX Finance Commission of Texas The Office of XXXX XXXX Texas Department of Banking The Office of XXXX XXXX Consumer Financial Protection Bureau This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because Mr. Cooper/Nationstar Mortgage has not acted in Good Faith as it pertains to my mortgage and what has transpired since Hurricane Harvey and the forbearance that was offered to us as a result of the storm. 

After Hurricane Harvey, Nationstar reached out to us and offered a forbearance for our XX/XX/XXXX XX/XX/XXXX payments. And, that the 4 payments would be put at the back of my current loan. We were told that we didnt have to fill out any paperwork and we would begin making our regular monthly payments again in XX/XX/XXXX. When I reached out to my loan specialist XXXX XXXX in early XX/XX/XXXX, I could not reach her. I was directed to the general customer service department. I was informed that ; 1 ) many clients were in a similar situation as I, 2 ) Mr. Cooper was behind in processing paperwork, and 3 ) I would receive my paperwork no later XX/XX/XXXX. From that point for the next several months, I received a different response ( every time I called ) as to the status of my loan and the forbearance. I was informed on several occasions, however, by multiple customer service representatives ( and supervisors ) that my account was still under review and to not make a payment ( I have recorded conversations to verify this ). 

After contacting Mr. Cooper for the 20th time in XX/XX/XXXX to resolve my delinquency, I was informed by a customer service manager that we didnt qualify for the forbearance ( because we were behind on our payments ( which was inaccurate ), and that we needed to start making payments. We made our XX/XX/XXXX and XX/XX/XXXX payments and when we attempted to make our XX/XX/XXXX payment, we were prevented from doing so. We were also told that our account was again under modification review, yet we could only make a payment if we could pay the past due balance in full. 
We were not offered a reasonable solution to cure our mortgage delinquency. 

We are simply seeking a resolution to this matter, in good faith, by Mr. Cooper/Nationstar Mortgage. We were originally offered a forbearance ( in XX/XX/2017 ), not a loan modification, and we are asking that our loan servicer and investor keep their commitment. Had we been offered a modification, we would ( and could ) not have accepted their offer.
Product: Payday loan, title loan, personal loan, or advance loan

I had a voicemail message saying I was approved for a $ XXXX {$10000.00} loan, and they needed to confirm some information. When I called they confirmed the last XXXX numbers of my social, address, phone, email, employer, etc. For them to finalize the loan they had to log into my bank account and wanted my user ID and Password so they can connect the XXXX banks. I refused and told them I was uncomfortable doing so and if there was another way to verify. He said no and got upset. I asked to speak with his supervisor and he said why? I explained I had a few questions and wanted them to verify my info another way. He hung up on me. I called ( XXXX ) XXXX and talked to XXXX extension XXXX.
Product: Debt collection

On XX/XX/XXXX a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this, I contacted XXXX/XXXX  XXXX XXXX XXXX who investigated the same and verified that the contract employee had fraudulently signed the previously mentioned agreements in my name. XXXX XXXX XXXX XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services in a timely manner and yet I am still being billed for services that I did not agree to receiving. 

Collection efforts are now being instituted against me by ERC located at XXXX XXXX XXXX, XXXX, FL XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein. 

I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was very familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she would be willing to verify this fact in writing if need be.
Product: Credit reporting or other personal consumer reports

I am writing to escalate an ongoing issue concerning unauthorized, fraudulent, and inaccurate information on my consumer report. Despite my repeated efforts to resolve this matter, the problem persists, causing me considerable distress and negatively impacting my life. 

I must emphasize that I am a victim of identity theft. The disputed information on my report was neither authorized nor consented to by me. Its continued presence is not only damaging but also a misrepresentation of my true credit standing.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they are required by law under Section 611 ( 5 ) ( A ) of the FCRA to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit card

Account ending in XXXX Dates claims were made XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Claim number : XXXX Amount : {$3400.00} Good morning, I am not sure the date I had lost my card and got it replaced, however the lost card was NEVER stopped per Bank of America. Someone was using it for a long time prior to me evre realizing. Even after I had made my claim they did not stop it. I had it locked and still received notifications stating a purchase was declined due to my card being locked. After Bank of America denied me on XX/XX/XXXX I immediately called the Police Department in XXXXXXXX XXXX. Detective was XXXX the responding officer to begin the investigation, now completed and the defendant is detained XX/XX/XXXX - XXXX. The police have all records. Please help me
Product: Debt collection

Direct Recovery Services ph # XXXX XXXX XXXX reps name XXXX XXXX called me I spoke with him told him I am working with a company to consolidate my debts he just hung up on me then called my mothers phone and stated that if I do n't call him back I will be in more trouble then I ever have been in my life then he called my partners phone 4 times and my phone 4 more times I told him to cease and desist all calls and he told me I better watch out then he hung up on me
Product: Money transfer, virtual currency, or money service

I am concerned about Zelles handling of disputes in light of recent CFPB lawsuit highlighting lots of issues with the platform. Despite using Zelle Numerous times and and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was not possible. The CFPBs findings indicate that Zelle was not only neglectful to protect consumers but have also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Unable to access my account through the XXXX app. I am a newly single mom trying to save money every way I can. I have complained to Capital One via social media, but I probably will not hear anything else about it. Why am I unable to use MY information how I see fit?
Product: Debt collection

I have a debt collection of {$530.00} showing up on my XXXX credit report that isnt mine. Ive never had an account with Credit Protection Association.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Submitted to the CFPB on XX/XX/XXXX stating that " XXXX XXXX XXXX XXXX is reporting that on XX/XX/XXXX I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response. '' XXXX XXXX XXXX XXXX responded on XX/XX/XXXX stating that " We received a dispute from this consumer on XX/XX/XXXX. That is why the consumer has not received the response yet. This consumer submitted an application XX/XX/XXXX through XXXX XXXX XXXX of XXXX to finance the purchase of a XXXX XXXX XXXX. Upon receipt of the credit application, we had a permissible purpose pursuant to the FCRA to obtain and review a credit report to make a credit decision. The credit application was declined. Based on public records, the consumer lived at the address on the credit application. Attached is a screen shot of the application received from the dealership. If the consumer, in fact, did not apply for financing with the dealership and believes she is a victim of identity theft, she may send me a fraud affidavit and police report to XXXX. If she did, then the credit inquiry is valid and should not be removed. '' However, the screen shot that was attached was not an application filled out by me. it was intact a screenshot of a software that I do not recognize. The company does not have my signed and dated credit application on file because I did not provide written consent to XXXX XXXX XXXX of XXXX or another firm to run my credit on XX/XX/XXXX. This is not identity theft as suggested my the company, this is simply a case where a representative ran my credit without my written prior authorization or consent.
Product: Credit reporting or other personal consumer reports

I am writing to demand the fraudulent account : XXXX reporting to my credit report to be completely deleted. 

The account was deleted and unlawfully reinserted which means you are breaking another law. These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

You must provide me with the Credible source you legally used to return this information as verifiedwhich is impossible since I didnt open this account nor did I sign for it. 
This account must be removed immediately. 

If not, My attorney & I will take the necessary steps to ensure I receive all compensation through litigation for every account along with the losses I took due to this Fraudulent Account still reporting on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax 's security report on www.equifaxsecurity2017.com/potential-impact/, I am likely part of their privacy breach. To be as safe as possible, my partner and I assume that our private identifying information is no longer private. Equifax 's exact words were : 'based on the information provided, we believe that your personal information may have been impacted by this incident. ' I submitted my information at XXXXXXXX XXXX PST XXXX XXXX, 2017. I found it disgusting that they attempted to enroll me in their 'XXXX XXXX ' account service, which includes in their terms of service the condition that I waive any right to participate in a class-action lawsuit against them. I did not accept these terms. 

After receiving this confirmation, I got my latest credit report from XXXX and placed a free 90-day hold on my credit, to avoid new lines of credit being taken out in my name. However, my information will now be available to malicious parties for much longer than 90 days. Once personal information is stolen it can never be made private again. Permanent damage has been done. 

Equifax has irresponsibly mishandled my personal information, and the personal information of millions of other Americans. Their behavior thus far indicates to me that they are more concerned with their survival as a corporation than the very real damage that will be done to people 's lives as a result of their cavalier actions.
Product: Credit reporting or other personal consumer reports

I'm writing my complaint to EQUIFAX about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXX.The FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.
Product: Debt collection

I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am exercising those rights to ensure the accuracy of my credit information. I kindly request the prompt removal of the inaccurate late payment information from my credit report, as it is adversely affecting my credit score and overall financial standing.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of this account for several reasons : Conflicting Status : The account is reported as " charged off '' as of XX/XX/year>. The account was in fact sold to a 3rd party collection agency whom is not reporting and is not licensed to collect in TX.

Late Payments : Previously Reported : The report details late payments. 
According to the Fair Credit Reporting Act ( FCRA ) guidelines, late payments are considered as transactions or experiences and should not be reported. 
Lack of Verification : My previous request for verification and validation of this account resulted in an insufficient response. Details on who verified the information, their title, and the verification method used remain unclear. 
These inconsistencies and lack of proper verification constitute a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, which requires credit reporting agencies to ensure the accuracy and fairness of consumer credit information.

Based on the inaccuracies above, l demand the complete deletion of this XXXX XXXX ACCOUNT from XXXX  credit This response should include : Explanation of the investigation conducted. Details of any communication with XXXX XXXX regarding verification. A revised credit report reflecting the deletion of this account, if applicable.
Product: Consumer Loan

For the past 3 years, XXXX XXXX has been sending paper checks to BB & T for my auto loan. This past XXXX, XXXX XXXX sent them a check for {$470.00} on XXXX/XXXX/XXXX with an XXXX of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I receive a notice that I 'm overdue on my XXXX payment and I also owe a late fee of {$16.00}. So, I pay the amount for XXXX XXXX and XXXX XXXX for a total of {$820.00}. However, I find out with the help of XXXX XXXX that BB & T had contacted them yesterday to let them know that they had received the check for {$470.00} from XXXX. The XXXX XXXX rep even verified that it was the correct check number. So in essence, the money had gotten to XXXX & XXXX When the XXXX XXXX rep asked if I would be getting a refund for the late fee of {$16.00}, since the lateness was not really caused on mine or XXXX XXXX 's part, the BB & T representative said no. Based on the information that I was given, the fault was clearly with BB & T, who refuse to give me my refund. The .same refund that have the shoe had been on the other foot, they would 've charged me interest for years to come had I not paid that off. Their claim is that the address the check was sent to was an invalid address. I find it hard to believe that after sending payments to that address since XXXX/XXXX/XXXX, that suddenly it becomes an invalid address without anyone informing of that fact until now. The BB & T service rep even told the XXXX XXXX rep and myself that the checks that come in through the branch are forwarded to whatever loan finance department they have, which I 've learned only a week ago is located in XXXX, NC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I
Product: Vehicle loan or lease

I am an XXXX  service member stationed in XXXX  and would like the Louisiana SCRA applied to my account.

RS 29:312 - Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/2005, shall charge or collect from a person, or spouse of a person, who is on active duty interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven.

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

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

I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Payday loan, title loan, or personal loan

I requested {$200.00} to solve an issue. The company sent {$600.00} in my account. I wanted to pay the {$600.00} back immediately as it can not solve the issues. They wanted me to wait and pay {$320.00} each month for 8 months. I have been telling them I want to pay immediately your {$600.00} but they have been refusing to take the money. I can not pay {$320.00} per month for a loan of {$600.00}. 
I communicated with them via emails and phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquiries that I see on my report that are fraudulent. I have contacted the creditors as well as the Bureaus and the creditors have no accounts with my social in their Data Base. The Bureaus are telling me I need a letter of deletion. The creditors are unwilling to provide these and I need these inquiries removed as they were not initiated by me. XXXX and XXXX will not cooperate XXXX was able to remove two of them that was reporting to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that a fraudulent account is appearing, Please investigate and delete this. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX  XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have rights under 15 USC 1681. Equifax is governed by this law ( 15 USC 1681 ) and my rights were violated numerous times. I demand the following accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX