23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I are the only borrowers on the mortgage loan associated with XXXX XXXX XXXX XXXX, XXXX, PA. We received several notifications today, XX/XX/XXXX that a new item has been reported on our credit. When he went into XXXX XXXX to find out what the new item was he found out the Nationstar Mortgage had tagged our home loan with a XX/XX/XXXX Bankruptcy filing from his parents who do not own, have never owned or been associated with the mortgage on the above property. Our credit scores immediately plunged about XXXX plus points with the derogatory remark as it is called. When he called the mortgage company they were told by Nationstar that the bankruptcy was for XXXX and XXXX. They live with us because they are XXXX however, they are not on the mortgage and have never been associated with the mortgage of this property. Based on that one negligent move by Nationstar we have had to do everything to notify the various credit agencies and CFPB because in one unjustified key stroke they devastated our credit that we have worked extremely hard to get back. This is the second time that Nationstar has done this to us and they do not have any repercussions we the borrowers end up enduring all the burden in making sure that everything is corrected and our credit restored to the way it was previous to this negligent act. Nationstar mortgage needs to have better practices and people in place to perform their duties. I want them to be held accountable for everything that they did and to make sure that everything and every credit bureau is notified of the wrong doing and that this needs to be removed and everything restored to the way it was prior to their negligent act. I am also going to notify each of the credit agencies however, I would like something in writing from Nationstar accepting responsibility for this wrong doing and requesting that all credit reporting agencies remove that derrogatory remark that was added on XXXX and restore our credit to the way it was before the remark was added. Please feel free to contact me at home XXXX or on my cell phone at XXXX. Thank you and have a nice day. XXXX XXXX
Product: Vehicle loan or lease

in XXXX I noticed that I am victim of identity theft. I opted to place an fraud alert with the 3 principal credit bureaus nationwide. 
In XX/XX/XXXX, I receive a letter from the lender notifying me a reassignment of contract transfer the contract to the original seller ( confused me more ) and removed my loan account from my credit report. ( This account is not in my credit report anymore ). 
But wait if isnt this account in your credit what that means? 
Adding to this I send An email to the person that indicated in the letter with any response, till last week a guy call me supposed to work for the lender, and when I asked him about this letter he just put the call in hold and then cut the call, after that I get a couple emails that they need the payment. All this is confusing to me because as an victim of identity theft is really stressful this situation please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file
Product: Credit card

I am a long time customer of Capital One - have XXXX of their credit cards. Because I am applying for a mortgage, I used their App to check my FICO score. Although their App says XXXX, that is not the case. Regardless, its lower than it should be ( around XXXX ). I determined that the lower FICO score was because of an unpaid transaction to Capital One. The dispute is regarding {$7.00} due to XXXX. However, XXXX says my balance is " XXXX ''. Months ago, I switched my autopayment from Cap 1 to a XXXX XXXX. So I do n't know how Cap 1 determined I have an unpaid balance when the vendor, XXXX says otherwise. I conducted an online chat with both parties to determine what 's going on, and later spoke to a Cap 1 representative by phone. Because the difference in mortgage interest rates is massive, I went ahead and paid the Cap 1 bill and that payment should be processed in a few days. However, it might take 30 days or longer to have the correction updated in the XXXX major credit bureaus. I need to have an accurate FICO score immediately. Can you help?
Product: Checking or savings account

On XX/XX/year>, I filed a dispute with Key Bank due to an amount of {$100.00} being withdrawn from my checking account without my authorization for a purchase of the XXXX XXXX  that I did not authorize or order. The bank did refund the {$100.00}, while investigating my dispute, then on XX/XX/year>, a provisional credit of {$100.00} was taken back out of my checking account, I received a letter stating that I never canceled my subscription to XXXX XXXX, which in fact XXXX  years ago, I canceled my subscription, during the 7 day free trial period, I called XXXX customer support and canceled the subscription, now XXXX
Product: Student loan

I cant get what I need from Mohela. With all the student loan confusion that's going on in the world currently, I am not able to get Mohela to send payments to the correct servicer ( XXXX ). I realized in XXXX of XXXX  that payments were not showing up on XXXX website I am not able to hold for XXXX hours after being transferred to a supervisor. What are they doing with the payments and why are they holding them? I did update the address and I do see a payment for XX/XX/year> has been posted. How can I get them to send the payments to the XXXX. I am so frustrated with this entire situation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report inaccurate data onto my credit report with Equifax and XXXX. See attached screenshots of my credit report, XXXX XXXX has not validated this collection and they continue to not report the first delinquency data to Equifax and XXXX and Equifax and XXXX continues to not report the first delinquency date and ignores my disputes regarding this issue that is clearly causing my Credit score to drop. I am in fear this company XXXX XXXX XXXX and Equifax both by not investigating this has caused my credit score to suffer grave damages for years. This is for account XXXX.
Product: Mortgage

Subject : Request for Assistance with Mortgage and Loss Mitigation Issues XX/XX/XXXX Dear Consumer Financial Protection Bureau, Since XX/XX/XXXX, I have applied for Loss Mitigation assistance due to a medical emergency on XX/XX/XXXX, which resulted in a XXXX XXXXXXXX. I am now receiving Social Security benefits as a result. Despite my efforts to work with KeyBank, I have faced numerous obstacles. 

KeyBank initially denied my request for assistance and has subsequently failed to process my documents correctly. They claim that I did not submit the required Loss Mitigation XXXX XXXX or page XXXX, despite my belief that I included it. Additionally, KeyBank alleges that I did not respond to their calls, but I have consistently answered and returned calls. They have only sent me a letter dated XX/XX/XXXX, denying my request without providing details on any missing documents or reasons for denial. 

I have also encountered issues with the increase in my mortgage payment, which rose from {$1500.00} on XX/XX/XXXX, to {$1900.00}. KeyBank attributed this increase to unfairly assessed property taxes, as the XXXX XXXX XXXX XXXX shows incorrect ownership information. I am seeking clarification on why this increase was applied and why incorrect tax information was used. 

Despite providing all required documentation and making multiple attempts to resolve these issues, including a personal visit to a KeyBank branch, I have not received a satisfactory resolution. I have also involved XXXX XXXX XXXX who attempted to assist but encountered difficulties in communication with KeyBank. 

I request your assistance in investigating these matters, including : The discrepancies in my mortgage payment increase and the use of incorrect tax information. 
The mishandling of my Loss Mitigation application and the failure to process my documents correctly. 
Assistance with maintaining my mortgage payments and ensuring fair treatment in this process. 
Thank you in advance for your help and guidance on how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation # XXXX, has the following accounts reporting fraudulent on my consumer report. 
XXXX. XXXX XXXX, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX Bank, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX XXXX, Acct. # XXXX  # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # XXXX  # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct, # XXXX  # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # XXXX  # # / open XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. So I'd like you to update and correct the status of the accounts stated below : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified Experian, XXXX, and XXXX via written notice in accordance with 15 U.S.C. 1681 b 2 to remove all the fraudulent inquiries from my consumer report. Experian, XXXX, and XXXX have a blatant disregard for the law as they are failing to report what relates directly to me per my written instructions and right. I have also reached out via telephone and never reach a representative. There are currently 13 inquiries shown on Experian, a collection from XXXX XXXX who I've never contracted with, and 2 closed accounts from XXXX XXXX and XXXX. XXXX is fraudulently reporting 17 closed accounts, 2 collections from XXXX XXXX and XXXX XXXX Apartments, and an inquiry form XXXX XXXX that need to be removed per my written instruction and in accordance with 15 U.S.C. 1681 b 2. XXXX is reporting 11 closed accounts and 3 inquiries. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

Someone stole my Wells Fargo debit card and had used it at a branch in XXXX XXXX XXXX nv to withdraw {$600.00} from my checking/savings acct and deposit 2 fraudulent checks to My checking acct on XX/XX/23. I reported the incident to Wells Fargo and to XXXX XXXX XXXX police. Wells Fargo never investigated my claim and had closed my case.
Product: Debt collection

This company claim that I paid them. I have never conducted any business with Franklin company. I have never paid them any funds on behave of XXXX. They can not provide a receipt stating the correct date I paid XXXX or who accepted the payment from their company. They also added the debt after the date that I allegedly paid them to XXXX.
Product: Student loan

ECMC fails to answer specific questions to my complaint and I am not sure why they will not answer the question. It appears that for a company who wants to be transparent they continually dodge the specific question. Please answer the following questions below : " The promissory note states that I " must '' provide two separate references. The note that you attached fails to state what you will need that for. Are the references needed to find me in the case that I am not communicative? The question I need you to answer is, if the purpose is to not discuss the defaulted loan with the references, then what was the purpose of calling the references? I also have proof that you have contacted individuals outside of the references listed in the note. Please provide explanation as to why? As I have confirmed on multiple accounts my willingness to communicate with ECMC and to find a resolution, please explain why you do not honor this request and contact me via email as this is the method of contact I have requested instead of calling me? Please explain why you continue to call these references, and those who are not listed as my references? If you did not discuss my defaulted loan, what did you want to discuss with those listed as my references and others outside of these references? You state that " ECMC has a continuing obligation to use all methods prescribed by federal regulations to collect the student debt from you. '' If you are attempting to collect from me, and I am communicating with you as evidenced in the communications attached, why were you calling other people? Was it to collect from them when they are not obligated to pay the loan? ''
Product: Checking or savings account

on Sunday morning, XX/XX/year>. I went to the ATM because he needed to deposit some money to pay for something and after the ATM received my money it turned off and stopped working. I immediately contacted the bank asking for help since I needed to make that payment urgently or I would receive a fine but the bank associate simply told me that there was nothing to do, just fill out a claim and wait. which seems like a lack of respect since the mistake is not mine and I still have to be the one who suffers. Apart from the fact that they damaged my day, I will have to pay a fine and apart from everything I still have not received my money, which was a total of {$4100.00}. They just don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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: Debt collection

I saw on my credit report a bill from XXXX XXXX for XXXX XXXX XXXX. I contacted ERC and paid the debt but they will not remove it as debt on my report from XXXX. I have called several times and even contacted the original creditor to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Transunion and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove Inquiries and Accounts, XXXX XXXX XXXXXXXX Inquiry date XXXXXXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX
Product: Student loan

I took out federal and private loans while in school at XXXX University in XXXX XXXX SC ( XX/XX/XXXX-XX/XX/XXXX ) I consolidated and did a income based payment but this private student loan is in a total of about {$25000.00} which I took out with ACS. For the past 2 years I 've been managing my debt really well so I 'm always on top of what 's going on with my financials like whats in collections, trying to handle defaulted student loans one at a time and what I can and ca n't payoff because I 'm definitely not rich and the collection agency that I last spoke with a few months ago that my defaulted private student loan is with, wanted outrageous down payments and monthly payments. So today I checked my credit which I do about 2-3 times a month. Today I see my XXXX report went down XXXX points from 7 days ago when it was last updated. I checked to see what happened and it shows a collection company name TRANSWORLD SYSTEMS Inc claiming an unpaid educational debt of over {$35000.00}. It claims the debt first went delinquent XX/XX/XXXX. I have no knowledge of this debt or the amounts its claiming and I definitely did n't take out a student loan or any loan recently, especially for it to be delinquent as of XX/XX/XXXX. I researched the name of TRANSWORLD SYSTEMS Inc and got discouraged because everyone is saying it 's a scam. Please help me out, I have no idea what to do and I really want to put this private loan behind me. Working with collection agencies are nothing like working with the original lender like the US Dept of Ed. Attached is what I see when I check my credit. Again I have no idea what this debt that TRANSWORLD SYSTEMS Inc has on my credit report.
Product: Credit reporting or other personal consumer reports

I would like these inquiries to be removed as soon as possible. I never authorized any of these and have sent letters to TRANSUNION AND XXXX TO REMOVE. THEY HAVE NOT BEEN COMPLIANTE. As a consumer, the FCRA says accurate information is my right and this isnt accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my own credit I have contacted each bureau multiple times Experian XXXX XXXX and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified
Product: Credit reporting, credit repair services, or other personal consumer reports

TARGET- -My name is XXXX XXXX , the last four of my SS # is XXXX. My account number is XXXX. I am writing to dispute the late payment reported by Target. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with Target and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from TARGET! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. TARGET needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND CALL ME ONCE THAT IS DONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.