23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NATION STAR MORTGAGE : Th lender breached XXXX  and XXXX XXXX XXXX XXXX XXXX program modifying the loan to 40 years. The deed for this program is by the city of XXXX XXXX XXXX XXXX, and the lender must notify city to subordinate the loan and if any modifications or financing occurs. The lender discreetly evaded the loan terms, XXXX  XXXX XXXX transferred the loan internally to NationStar mortgage. Lenders failed to notify the house program which created this program and has breached the deed, putting me on a 40 year term versus the 30 year requirement under no circumstances was allowed. My loan has been this way for 10 years. I have reached out a few times and the case had not response. 

I reported the breach to XXXX  XXXX XXXX however they do not respond or take action. Therefore, Ive paid my loan for 14 years and the principal did not go anywhere Ive lost approximately {$37000.00} in principal payments and owed this amount down to the XXXX. 

Lender modified against deed and program. However, it is a clear breach of the deed and not allowed under any circumstances. I was not aware of this Until I sat with my real estate broker and she found this fraudulent scheme in which XXXX  XXXX XXXX then transferred the loan out to nation star and modification was hidden from The XXXX XXXX XXXX XXXX XXXX XXXX. The lender has gain approx. {$30000.00} in interest illegal from me for 12 years. NationStar/Mr.Cooper advised me to refinance and I had to pay for thier unlawful terms and pay loan orgination fees all over again totaling {$5300.00} in XXXX to get back on a 30year mortgage and leave the 40yr term they discreetly offered and we signed in XXXX. 

As a young homeowner I was taken advantage of during a hardship. I was not aware of the City deed until I began research of the program documents and discovered the principal payments were not matching the City programs charts. 

I am reaching out to resolve this legally per the deed before seeking legal arbitration for reimbursement of these unethical practices to this mortgage deed and note.
Product: Debt collection

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX  XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.
Product: Money transfer, virtual currency, or money service

I was trying pay my uncle from a mobile app called XXXX, but mistakenly I wrote the wrong number and send it to somebody else. As soon I found out of my mistake, I called bank of America to tell them to cancel the transaction but they said it has to be processed first in order to cancel it. I waited 2 days and called back and filled the claim, and I also called the person and she said its not her fault there still XXXX people out there and that she needed the money anyways.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the repeated failures to address the issue of late open accounts, despite making three previous attempts to rectify the situation. This ongoing problem has significantly affected my financial standing and trust in your institution. 

The continued presence of late open accounts not only tarnishes my financial reputation but also raises concerns about the efficacy of your internal processes. As a valued customer, I expect prompt and efficient resolution of such matters to maintain trust and confidence in your services. 

I urge you to prioritize this issue and take immediate action to rectify the late open accounts associated with my profile. It is imperative that all discrepancies be thoroughly investigated and corrected to ensure the accuracy and integrity of my financial records. 

Furthermore, I request transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will compel me to explore alternative avenues for resolution, including lodging a formal complaint with relevant regulatory authorities. With this, I am asking for your assistance to correct these accounts in my credit file : 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: Credit reporting or other personal consumer reports

Subject : Formal Complaint Filed with CFPB To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with XXXX, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX XXXX of Birth Mark : XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, Transunion, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX qualifies as a financial institution under this section. According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX the financial institution and XXXX, Transunion, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' Equifax, Transunion, and Experian are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my complaint today in order you to inform about the wrongdoing of the 3 credit bureaus. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest score. Be sure to present facts that this are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. These fraudulent items I am mentioning should be remove immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. 

XXXX ) XXXXXXXX XXXX XXXX  - {$300.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  {$690.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX from a firm called XXXX called and informed me that she was contacting me in regards to an alleged debt that I owe to XXXX XXXX for some type of insurance debt that I allegedly owed XXXX XXXX. First off, my relationship with XXXX XXXX ended in 2019. Secondly, I paid on a monthly basis when I did do business with them. This predatory attempt to extract money from me has become harassing. This is what I told XXXX XXXX : This is to follow up on the formal dispute form that I thought was enclosed. All I see is a bogus bill from a company that I havent done business with in years. I have no relationship with XXXX XXXX and havent for years, as I have already explained. I will not be entertaining the idea that I have to do an audit for something that I dont have. Please cease all further communication with me, as it will be considered harassment. If any marks are placed on my credit for this fraudulent claim or any other action is taken by your firm or your client, I will pursue to the fullest extent of the law. I do not take my debts lightly, I am an honest small business owner and I pay all of my obligations on time. If this claim was valid, it would have been paid. 

This morning, another person from her firm called and threatened me with telling XXXX XXXX that I waived my rights. I do not owe XXXX XXXX any money. If they are upset that Im no longer a customer then they should have provided better customer service. At this point I feel harassed and threatened and do not deserve this treatment. I pay my bills and I am an honest man. I will be contacting legal representation to address this. I will not be threatened and bullied.
Product: Credit reporting or other personal consumer reports

I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within four business days.
Product: Credit reporting or other personal consumer reports

on XXXX I received an email from experian that my ss # XXXX be on the XXXX XXXX and I should put a freeze and fraud alert on my info with the XXXX agencies. It had been a while since I was in my experian account and the password wasn't working. Their system said my birth date and ss # didn't match. their phone system would not put me through to a human being to fix the problem. first it hung up on me. i tried calling the business side of the house, they said they were transferring me to the consumer side and I was on hold for over an hour. I could not correct my password so I could not log in to check my account or order a credit report. any business but especially the credit agencies in today 's world should be regulated to provide easy access to a human being to discuss and solve someone's problem. it is ridiculous that companies rely on the interactive phone systems that do not work, they just provide more company profit, higher ceo salary and are the worst invention and worst customer service ever. these credit companies wield too much power and use illogical information to come up with your credit score that can impact so much for somebody. they need to provide human contacts.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice.

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Product: Credit reporting

I had disputed the reporting of a paid NY state tax lien with Equifax. I sent a certified letter with proof of payment from the State of New York. Citing a tort under New York General Business Law, Fair Credit Reporting Act Article 25 Section 380-j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ( 1 ). I asked for this to be removed from my credit report and to show proof of investigation within 30 days. 

I had received no response from Equifax for now 60 days. I have repeatedly reached out in hopes to resolve the issue with no response back from the agency.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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: Vehicle loan or lease

I have paid over {$30000.00} on a {$10000.00} loan. The company has taken 5 to 6 consecutive payments in a 12 month span to all interest. I feel I will never be able to get another car because of this contract I am in.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I was approached by someone at a retail store frantically needing to borrow my phone to call someone. After they gave my phone back I realized they had access to my bank information and applied for a {$3500.00} loan on my name and my credit got affected from it. My bank has already reported it as fraud and said I should report to any credit bureaus to report it there as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 I don't recognize XXXX XXXX XXXX which shows on my account as a Collection. I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of summit account resolution as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. if this can't be provided then I request the collection be taking off my account or I will take legal actions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had student loans and was making payment on time up until a certain point ( payments were automatic, the card I was using expired and I never realized it ). Eventually the loans went into default. I was then put into another federal consolidation program which I have been current with payments up to this current date. I have since started working on my credit and working towards a vehicle. This is really hurting my credit and I just would like to know if the way everything is being shown to me is correct. Attached will be photos of what I can see and what I tried to have Experian correct. It is showing 120+ plus days late but yet the month before and month after are in green. I understand It is my financial responsibility to make payments on time.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXXXX/XX/year> was a victim of identity theft and reported to Experian, XXXX XXXX XXXX XXXX XXXX .Also sent supporting documents, No response from the credit bureau 's, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate.

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

PARAGON REVENUE GROUP Last reported XX/XX/2020 $ XXXX/Open balance XXXX  XXXX XXXX XXXX Original creditor
Product: Mortgage

My wife and I purchased a new home in XX/XX/2021 through XXXX XXXX XXXX XXXX in XXXX of XXXX  We have had the same mortgage payment for the most part for close to a year and a half now. A few weeks ago, we were then notified that our payment had increased by {$700.00}. 

We were completely blind sided. I started making calls to figure out what was happening. We found out that our county had done a tax assessment and assigned a value to our home at $ XXXX, which is correct. Upon looking into this further, our original mortgage loan officer XXXX XXXX, incorrectly filed our homes value at the property of our land, $ XXXX, and NOT the estimated value of the home. The reason for the drastic increase is because our escrow account was now negative, and they were calculating the correct taxes for future years, but they had been taking the incorrect amount of escrow from us from the very beginning. 

I was able to connect with our mortgage officer, who offered no solutions at all other than contacting customer service which is through Tru Home Solutions. The only remedy was to potentially spread out the escrow payments, but this lowered it by only about {$180.00}. We're still paying {$500.00} more now than we were before. 

I believe we were sold a home we couldn't truly afford because of this incompetence. If we had known our payments would be in this ball park, we never would have moved into this home. I feel like we were completely misled by our mortgage company , the mortgage loan officer, and the entire process feels flat out dishonest. 

We also lost out on valuable time. Had we known this was an issue, we could have at least been working on making payments to our escrow, and at the very least, trying to come up with a plan to deal with this. Instead, we were blind sided.

I heard back from the Director of Compliance at Tru Home Solutions, who sent me a letter and took ZERO accountability for the actions by their employees XXXX XXXX XXXX XXXX. He also offered ZERO solutions to try and fix this. 

I'm hoping by bringing this to attention, something will happen because this entire ordeal has been incredibly stressful to deal with and the financial ramifications as massive for my family. 

Best regards, XXXX XXXX
Product: Debt collection

XX/XX/year> Dear EASTERN ACCOUNT SYSTEM Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written un written verbal and nonverbal per 15 usc6802.