23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have tried to get a copy of my mortgage but no response. Following are emails sent to and from Mr. Cooper ( formerly Nationstar Mortgage ). 

LOAN NUMBER XXXX Why did my payment increase? The interest rate did not change. If it did why? Where in my mortgage agreement does it indicate you can change my rate and what is the rate change based on. I what detailed answers. XXXX XXXX XXXX Mr. Cooper 's response : Subject : Re :  Other ( Not Listed ) [ # XXXX ] From : XXXXXXXXXXXX Received : MonXX/XX/XXXX XXXX Thank you for contacting Nationstar Mortgage. 

We apologize for the less than satisfactory customer service experience you received and would love the opportunity to examine your issue further to find a satisfactory resolution. We have forwarded your inquiry to our Customer Relations Group and a letter of acknowledgement will be sent to you from your assigned Customer Relations Specialist within 5 business days. 

We understand that a mortgage is one of life 's most important investments, so taking care of your issue is our number one priority. 

The Customer Relations Group hours of operation are Monday through Friday, XXXX XXXX to XXXX XXXX Central Time and can be reached at ( XXXX ) XXXX. 


Should you have any additional questions regarding your account or to view details about your loan summary and recent account activity, visit us online at www.MyNationstar.com. You will have immediate access to : Frequently asked questions, A full payment history, Escrow information. 
Automatic payment enrollment Mortgage Loan, Escrow Account Disclosure, and Tax and Interest Statements As a valued borrower, your satisfaction is our top priority. If we can be of further assistance, you can contact us directly by clicking on the mail icon in the top left of your Nationstar Mortgage online account or you can call our Customer Service Department at XXXX. 

Sincerely, Research and Response Department Nationstar Mortgage LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from XXXX, XXXX, and Equifax the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on XXXX, XXXX, and Equifax is negatively impacting my ability to qualify.

Thank for your time and assistance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date openeXXXXy XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-Mar XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX {$14000.00} Account XXXX Account XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department XXXXXXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account XXXX Account status-Closed Date opened-XXXX XXXXXXXX, XXXX Account type-Credit Card XXXX Account XXXX Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card XXXX XXXX XXXX  Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX/XXXX  Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card
Product: Mortgage

Since engaging with Loan Depot on XX/XX/2019, 106 days has passed and they still have not closed on this re-finance. 

My loan officer, XXXX XXXX, painted a great picture of why I should go with them, as opposed to the other 5 lenders I was working with. Being an informed buyer, I do a lot of research when it comes to large purchases. The 45 day window of hard inquiries being grouped as one by credit bureaus, from shopping lenders had passed. I paid to lock in a rate, while a lender credit & rate match were being applied for, not complete. 

Working in the typical window of 25-45 days to close, XXXX packaged up my loan and sent to underwriting where I guess it got lodged. I must have fallen to the bottom of the pile, as chasing him for updates, he forgot all the details. Understanding that I am one of  many customers, I provided all details to get us back on track, including an appraisal transfer from another poor lender experience, XXXX. However, so much time had passed, I think the rate lock expired, and he began quoting new, much more expensive loan estimates which irritated me. He forgot the details including blaming me for not disclosing a silent second. I put the ownership back on him, as I disclosed everything from the beginning with evidence. My monthly statement and his own loan estimates that had the full payoff. 

Getting more frustrated, I escalated to his manager, XXXX XXXX, by calling to provide context & including him on our email threads. Today, I don't believe anything has moved. I am considering legal action because of what I've paid in appraisal & the hard pings to my credit yielded nothing. Also, I'm being advised to go back to the drawing board to shop lenders again, further impacting my FICO score. 

I feel it's reprehensible to treat customers like this, dragging things out, changing the terms after what was promised, not communicating consistently after things have been escalated. 

Hopefully this serves as a warning to other prospective homeowners and the company 's leadership gets involved in cases like mine that exceed the normal timeline. It occured to me I should cc XXXX XXXX, but can not find an email.
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the Consumer Portfolio Services Account Number XXXX with Experian. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, Consumer Portfolio Services is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Consumer Portfolio Services who is the financial institution and the consumer reporting agency reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian, and Consumer Portfolio Services whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. Consumer Portfolio Services has never informed me or notified me of my right to exercise my non disclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Public Law 90-321 expounds on Title 15 Section 1681 and states consumer credit should only be pulled for Child Support provisions Finally, pursuant to 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Compliance with the FCRA Regarding Disputed Information I am writing to formally express my concerns regarding Experian 's failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically regarding the reinvestigation of disputed information on my credit report. Despite providing evidence to demonstrate inaccuracies or unverifiable accounts, Experian has neither corrected nor removed the disputed items. This failure has caused ongoing harm to my credit standing. 

I am aware of recent legal action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian, highlighting systemic issues including : Failure to forward consumer-provided evidence to furnishers during reinvestigation. 
XXXX on unreliable responses from furnishers to disputes. 
Inadequate notification to consumers about dispute outcomes. 
These allegations closely align with my experience. Experian 's failure to properly address my dispute violates my rights under federal law and undermines the FCRA 's intent to ensure accurate and fair credit reporting. 

I am requesting immediate corrective action to either amend or remove the disputed accounts on my credit report. If Experian can not verify the accuracy of the information in question, it must be removed as required under 15 U.S.C. 1681i of the FCRA.

I expect a prompt response confirming that corrective actions have been taken. Failure to comply with these obligations may compel me to escalate this matter through additional regulatory or legal channels. 

Thank you for your attention to this urgent matter. I look forward to your timely response.
Product: Mortgage

In XX/XX/2019 I talked to a rep at my mortgage servicing company ( 5th 3rd ) about getting an appraisal to be able to drop PMI. They rep told me that the amount that my house would need to be appraised at to drop the PMI would be {$350000.00}. When the appraisal came back at {$360000.00}, they said they can not drop the PMI because the debt to value ratio is under 70 %. 
They looked into it and listened back to the recorded conversation and stood by their decision because they say I signed the agreement with this on it. I feel they were deceitful, and should at the very least refund me the cost of the appraisal.
Product: Mortgage

BSI Financial services failed to record my " Release Of Mortgage " on my fully paid loan back on XXXX. As a result I can't sell my property. 
BSI Financial services failed to record my " Release Of Mortgage " on my fully paid loan back on XXXX. My lawyer sent the attached letter back on XX/XX/XXXX. They never filed the release. As a result, I can't sell my property now. My realtor, my lawyer and myself in several occasions have contacted BSI Financial services to resolve this issue, but none seams to care. We have been told many times to wait for the file to be researched, but that's all we have been able to get. I need to sell my property as a result of financial need. I have had the attached contract since XX/XX/XXXX. Please that's a lack of responsibility on an issue that can be solve in less than 10 minutes. PLEASE, PLEASE I NEED YOU TO FILE " Release Of Mortgage " on my fully paid loan.
Product: Debt collection

I used a hospital XXXX service earlier this year. All costs were disclosed to me in writing, and all were settled. Months later I receive a bill from a phony " physician management company. '' I never even saw a physician. I found out that this XXXX LLC company does NOT exist under the laws of that state according to their Department of State.There is no such name as XXXX XXXX XXXX XXXX. They listed a p.o. box as their address, which is not allowed. Now this phony company has contracted with a debt collector, Transworld Systems , Inc., to collect on a fake debt. The state of XXXX tells me that this company is actually a front for a XXXX Corporation System, XXXX XXXX XXXX, XXXX XXXX XXXX. This phony " physician management company '' is in collusion with debt collectors and both are preying on people and trying to extort money for services never received. If there is no company, then there is no debt, and both this bogus company and the debt collectors are guilty of theft by fraud. Please break up this ring of thievery and please prosecute these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working for 3 months to correct an error on my credit report. I was buying a home and realized Toyota Motor Corporation ( Lexus ) was reporting I owed over $ XXXX on an account closed in XX/XX/XXXX. When I disputed it, Toyota Motor Corp REOPENED the account, and all the credit agencies started reporting a debt and late payments for an account closed almost 6 years, an account for which I NEVER ONCE received a request for payment. When I was counseled by Toyota Motor Corp. on my options in XX/XX/XXXX, they advised me if I gave back the car they would sell it at auction, and sell off the remaining debt to a third party to whom I would have no obligation to. This is why I made the decision to voluntarily surrender the car in the first place. 

When I tried to correct this, the response from Lexus was this : " On XX/XX/XXXX, you communicated that you were unable to afford the monthly payments and requested a voluntary surrender. During that conversation, we explained the consequences of voluntarily surrendering the vehicle. You returned the vehicle to XXXX XXXX  XXXX, and we recovered it on XX/XX/XXXX. We mailed a cure notice on XX/XX/XXXX, indicating that the account was in default for the XX/XX/XXXX payment. The vehicle was sold at private auction on XX/XX/XXXX. Unfortunately, the price we received at auction was not enough to pay your account in full and we notified you of the amount due ( {$14000.00} ) via written notice on XX/XX/XXXX. We attempted to contact you on numerous occasions to resolve the total amount due. Despite our continued efforts, the balance remained unpaid, therefore we charged off the balance in XX/XX/XXXX and reported it as such to the consumer reporting agencies ( CRAs ). It is important to understand that prior to the retail account being charged off, we continued to report the status of the account to the CRAs. As a result, your XX/XX/XXXX payment was reported 30 days past due in XX/XX/XXXX, 60 days past due in XX/XX/XXXX, 90 days past due in XX/XX/XXXX, and 120 days past due in XX/XX/XXXX. Our records do not reflect that we waived your obligations regarding the debt or re-opened the account as stated in your complaint. '' There are two things to call out here. First, they claim they send me a " written notice '' of money I owed on XXXX XX/XX/XXXX, tried to reach me several times to resolve, and then charged off the balance in XX/XX/XXXX. This only proves my assertion : They intended to just charge it off and not recover anything from me - there's no way all this can happen in the span of 2 weeks. 

Second, Lexus very clearly stated the last " delinquent payment '' was XX/XX/XXXX, the account was closed then, and they never reopened the account. Therefore, the credit reporting agencies must change their reporting to show this account was closed in XX/XX/XXXX per Lexus ' own statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is 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 these files. 
XXXX XXXX XXXX*Balance : {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$170.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00}
Product: Money transfer, virtual currency, or money service

I used PayPal service app for 5 months straight and have had around 500 pounds in my account when they suddenly decided to delete my account for absolute no reason. I was begging them to let me know why or how it can be fixed but there was absolutely no response from the support team.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account two ( XXXX XXXX ) accounts are reporting under my name, which are not mine, these are someone elses information reporting under my name, and could be an ID theft issue which i have been disputing with equifax who have not been helpful at all. please as a consumer i need you r help to have these inaccurate two loans removed from equifax credit reporting, appreciated
Product: Credit reporting or other personal consumer reports

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 Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint and Demand for Compensation for Inaccurate Reporting Dear Equifax Compliance Department , I am writing to formally address significant inaccuracies in my credit report related to two Department of Education student loans. Despite previous attempts to rectify these issues, Equifax continues to report erroneous information that adversely affects my credit rating and violates federal and state laws.

**Details of Misreporting : ** 1. **Inaccurate Account Status** : Equifax reports my student loans as " 180 days or more past due, '' despite both accounts being closed, verified as having a XXXX balance, and involved in litigation.

2. **Violation of Reporting Period** : These accounts have been reported beyond the legal seven-year limit established by the Fair Credit Reporting Act ( FCRA ), infringing on my rights as a consumer.

**Legal Grounds for Compensation : ** - **FCRA ( 15 U.S.C. 1681n ) ** : This statute stipulates that consumers are entitled to damages when a credit reporting agency willfully fails to comply with FCRA requirements, allowing for statutory damages of up to {$1000.00} per violation.

- **FCRA Reporting Requirements** : As outlined in 15 U.S.C. 1681c, derogatory information must be removed from credit reports after seven years. Your failure to comply with this timeline constitutes a violation of my rights.

In light of the above infractions, I demand compensation totaling ** XXXX XXXX : - ** {$1000.00} for each FCRA violation** ( totaling {$2000.00} ).

- ** {$13000.00} for the ongoing emotional and financial damages** caused by these inaccuracies.

**Resolution Sought : ** I request immediate correction of my credit report to reflect accurate information and compensation for damages incurred. Please provide acknowledgment of this complaint and a corrective action plan within **30 days**.

Failure to address this matter will compel me to seek further legal remedies. Thank you for your immediate attention to this.

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My home is in foreclosure. Im trying to do a short sale and Wells Fargo is a second lien holder of which the debt was discharged in XX/XX/XXXX, I received a XXXX C - Cancellation of Debt and filed it with my taxes. They still have the lien on the property and have marked it as of XXXX XXXX. XXXX in a permanent uncollectable status. I now have a Contract of Sale am trying to do a short sale and Wells Fargo is refusing to allow any payment ( which none is available anyway its a short sale ) and refusing to release the lien even though it has been charged off. They are making me loose the Buyer for my home for no reason whatsoever. This was a discharged debt by the Bankruptcy Court in XX/XX/XXXX which should have been discharged and never was and as stated above, has been marked uncollectable. They have NO REASON not to release it.
Product: Credit reporting or other personal consumer reports

I am putting forward this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus XXXX, XXXX, and TransUnion. The inquiries in question are as follows : 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