23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar Mortgage dba Mr Cooper violated the HOEPA provision prohibiting charging a consumer for payoff demand/quote. The following details are for Loan # XXXX which is now fully paid/closed. 

Mr Cooper allowed a third-party ( new lender ) to indiscriminately request multiple, redundant, and repetitive payoff quotes, then billed me ( borrower ) from the loan payoff funds for the amounts noted below totaling {$250.00}. 

Multiple phone calls to Mr Cooper have resulted in an answer that the loan is now closed and no further action can be taken on their part. 

XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting this creditor has violated my rights under 15us1681 section 602 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX : XXXX To Whom It May Concern, I am submitting this complaint to the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block any information on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes the following accounts, which I do not recognize and did not authorize : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} These accounts have resulted in multiple fraudulent collections on my FICO credit report. All of these accounts and collections were neither opened nor initiated by me ; they are a direct result of identity theft and fraud. 

For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) issued by the U.S. Federal Trade Commission, confirming that the aforementioned accounts and collections are fraudulent. Please delete fraudulent accounts as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for a personal loan from XXXX XXXX. The loan was approved. At closing the credit disclosure given to me by the bank was lower than the actual credit score with experian for that date. XXXX used a score of XXXX, when actually, on the same date they pulled my score it was actually XXXX. The incorrect score was used to set the interest rate on my approved loan. The local banker filed a complaint ( ticket number XXXX ) and provided the actual credit score to the underwriting team. I was then contacted by Customer service citing the underwriting team would not change the terms of my loan and cited the Manager ( at the bank in which I closed ) needed to make any modifications based the accurate information. I reached out to the local bank manager who then contacted me, via email, citing he was having underwriting review it. I advised it was underwriting that advised me to contact him. I have still not heard back from the bank manager on a decision to correct the terms of my loan ( specifically the interest rate based on my actual credit score of XXXX on XXXX XXXX XXXX ). Meanwhile, I notified him that the interest is accruing at the rate cited on my loan based on the incorrect credit score.

Providing a loan, which determines interest rates on Experian credit scores, on a falsely low credit score is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Account shows opened on XX/XX/XXXX for {$470.00}. Not my account at all. I never opened this account and it is messing up my credit score.
Product: Money transfer, virtual currency, or money service

Qualify for my capital one online banking auto access
Product: Debt collection

XX/XX/XXXX - I received a letter from Eastern Account System of Connecticut , Inc. attempting to collect a past due debt. The letter in question is fraudulent and an attempt to extort money from people. The letter only has an address and my name is not on the letter. The letter states over XXXX XXXX dollars is due to a cable company that we stopped using back in XXXX. Our XXXX XXXX XXXX  contracts with the local cable company to provide cable TV to the whole neighborhood. In XXXX the XXXX XXXX canceled XXXX XXXX and subscribed to XXXX XXXX instead. I have now found that other homeowners in our neighborhood have received the same letter attempting to collect money or get them to call them. I can provide copy of letter if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To let you know that I was a victim of identity theft, I am sending you this letter of complaint. I have discovered that several of the account listed on my credit report is not mine or was opened without my knowledge. To help me remove this item from my report, I am requesting your help. The credit bureaus are required by FCRA section 605b to delete or block any accounts mentioned on an identity theft report. I have provided some documents to help in the blocking of the inaccurate information that is being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$850.00}
Product: Credit card or prepaid card

We do not use her XXXX XXXX card that often but we received a promotional email for some special financing so I logged into my XXXX XXXX  credit card account online just to confirm the available credit and at the top of the screen it reads for your protection we have issued a new card and have limited online access to your account please register your new card I had no idea why you would be sending me a new card so I called after being transferred multiple times hung up on them once then calling back sitting on hold multiple times you finally came back and told me that my account was closed I inquired as to why we've been a good customer for many years put me on hold again I guessed it figure out whatever your story was going to be this time you came back you told me that the authorized user called on XX/XX/XXXX it said that the account was fraudulent first of all be in the authorized user were together on XX/XX/XXXX neither one of us called second we don't carry the credit cards with us so there's no way we could have called with the credit card number that you always ask for and even if your crazy story was true the authorized user is allowed to close my account the primary and keep in mind he didn't call and neither did I so I can't help but wonder what information did you receive and who actually called you you always claimed these calls could be recorded well do you have a recording because I would love to hear it because I want to hear exactly when somebody called and closed my account without my knowledge because I don't believe that happened I don't know why you close my account but it was not at the request of me and you claim on your website you're sending out new cards when will I expect those if the account is closed why are you sending new cards?
Product: Debt collection

So for the third time my father who has the same name as me reported his debt collection on XX/XX/2018. The creditor is XXXX XXXX. I've disputed this twice already in the past months. I am XXXX years old and still live with my mom. The electricity is in her name. So nothing for XXXX XXXX is in my name. He knows my information such as social and address so I know its him as he previously done this already. We also have the same name so that is exactly why this is repetitive. Please help
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose f
Product: Checking or savings account

Someone opened up a checking account in my name using an old address of mine I received a debit card in the mail at that old address Company : XXXX XXXX  - NetSpend It looks like the account was opened within the last two weeks
Product: Debt collection

THIS COMPANY CONTACTED MY WORK AND MY CELL PHONE WHEN I INFORMED THEM TO CEASE AND DESIST. THIS A MEDICAL BILL THAT WAS OUTSOURCED TO A 3RD PARTY THAT IS UNCOLLECTIBLE DUE TO BEING INCLUDED IN A BK XXXX
Product: Debt collection

I keep getting phone calls from Paid Tomorrow ( XXXX ) XXXX and informing them that the person they asking to speak to does not own this phone number, that they have the wrong number. They keep saying sorry and they gon remove the phone number but they keep calling several times every day.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am reporting XXXX XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to zero per their service agreement. The same information ( XXXX, XXXX, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to zero for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as zero as the Internal Revenue Service has been notified and also it must be updated to zero balance on credit with no lates. I am requiring this to be updated with XXXX. XXXX XXXX XXXX XXXX, XXXX. Equifax, XXXX. XXXX, XXXX. XXXX, and XXXX. XXXX XXXX. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND ZERO BALANCE
Product: Debt collection

I received the letter on XX/XX/year> with an allegedly {$320.00} debt from Collection Bureau of American with reference number XXXX. They claimed that I have an account with XXXX with account number XXXX and I owe XXXX. 

I canceled my account with XXXX XXXX in XXXX of last year and have made several attempts to return the water dispenser. Despite my repeated efforts to communicate, XXXX has failed to collect the unit. Given that I canceled the service and attempted to return the equipment, I should not be subject to any service or rental fees. Consequently, I do not owe any debt to XXXX, and it is incorrect for them to report this alleged debt to the Collection Bureau of America. Reviews on XXXX and the XXXX XXXX XXXX indicate that this is a recurring issue with XXXX, where they wrongfully engage debt collectors to pursue invalid debts from consumers.
Product: Mortgage

I am a first time home buyer and home mortgage, XX/XX/2021 I was working with XXXX lender for Home financing and I contacted rocket mortgage to check if they are giving me better option both in terms of interest rate and closing costs. XXXX XXXX from Rocket mortgage contacted me via phone and asked for all details including loan estimate copy from XXXX. I gave all details and XXXX gave me their loan estimate, rocket mortgage was offering same interest rate as 2.75 with around XXXX in other credits for my closing with loan origination charges as XXXX dollars and XXXX has only XXXX dollars as origination charges but does not offering any other credits. I have asked XXXX about those charges and he explained me, I got XXXX president approval for you to give XXXX other credits. With all discussion, I have said yes to rocket mortgage to move my application further because of XXXX main reasons, less mortgage insurance and less closing cost due to XXXX in credits. 
XX/XX/2021 when final closing got disclosed to me before 2 days of closing, other credit was not included and even I have asked repetitively all credits applied correctly. 
XX/XX/2021 I have asked them to check this and they are investigating this matter and initial discussion was not positive and XXXX is working on this matter.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at numerous credit card companies. This fraudulent account consist XXXX XXXX XXXX which was opened XX/XX/year>. This account have resulted infraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Discover fraud department incomplete fraud case XXXX I refuse to pay that anywhere from {$2600.00} to {$3000.00} my brother put a car in his mother 's name when he got done with that car disputing charges changeback fraud adult abuse fraud I am on XXXX and so is my mom we can not afford to pay that we are XXXX   XXXX didn't we have the case for a day in the face they just got the paperwork on XX/XX/XXXX starting next month I'm not paying that discover can go to XXXX Far I Care
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and I was not alerted until months later. I am upset and am filing a complaint against Equifax! I want information to seek legal assistance, their offer to help me for a year is not enough. My life and finances are compromised due to their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXXXXXX Balance : {$8000.00}
Product: Debt collection

On XX/XX/year>2024, I was going through my credit card notifications when I came across an alert with a new address added to my social security. When I checked the address it was a unfamiliar address in the state of Nevada. Which is is outside of California where I currently reside. As I scrolled through my older notifications, I saw an older message from XX/XX/year>2024 with the following " It looks like you received a major derogatory mark on your credit report for your account with AARGON AGENCY INC '' These notification were received through the XXXX  app. After this, I checked my credit card history and loans that I had on my name and saw that there was a balance of {$660.00} that I owe to AARGON AGENCY INC. I had never heard of that name before so I immediately contacted my bank and received help. I called the agency and they looked for my personal information and couldn't find anything. I was asked for my SSN which I didn't feel comfortable providing. I proceeded by calling XXXX bank again where I filed for fraud and got help by directing me to filing a complaint with the Federal Trade Commission. 

Thank you for your help in solving this matter.
Product: Credit reporting

Equifax reinserted an account by XXXX Bank and Trust, which the creditor requested to be deleted. This occurred after deleting all of my inquiries and positive accounts for no apparent reason dropping my credit score XXXX points within a month 's time. Enclosed is a copy of a letter recieved from the fdic.
Product: Prepaid card

I used my American Express card the number is a gift card XXXX the CVV # is XXXX I called to file a dispute to have my funds disputed to I spoke to XXXX XXXX and XXXX XXXX they are located in XXXX I asked the politely to be transferred to my to states they dienied my requested i file a dispute on XXXX XXXX and still have not received all my funds that I requested and yet this origination continues use third parties such the names I mentioned above they continue use false advertisement regurding call center please is there any way to get all my funds back from this card?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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