23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan with Mr.Cooper/Nationstar Mortgage is being foreclosed on. I have not received any statements on this mortgage since XX/XX/XXXX. I mailed a letter to Mr. Cooper on XXXX XXXX I notified them that the balance they has was correct and specifically which payments they were stating they have not received. I requested a current itemization of that account. I received a letter in the mail in XX/XX/XXXX notifying me that my payment amount increased in XXXX and I was never notified until that date that the payments were incorrect or a statement. They stated that in XX/XX/XXXX my payments increased from the XXXX to {$1000.00} and that in XX/XX/XXXX they payments would increase again to {$1100.00}. In the paperwork they sent a paper that said my mortgage had been transferred to them in XXXX. This paper noted that my Principal was {$160000.00}. My mortgage principal was {$140000.00} on the original note that closed on XXXX XXXX. My original P & I was {$930.00} & escrow was {$150.00}. I asked Mr. XXXX XXXX from loss mitigation with Mr. Cooper on XX/XX/XXXX and I asked him why my principal had went up. He stated it was because of escrow, which I could not understand because I thought that amount was not added to the principal. I also asked why I was not mailed statements and he said that the post office returned the mail they sent. Which I also thought was funny because I receive the loan modification information but never a statement. 
In XX/XX/XXXX I was four payments behind. I made two online payments on XXXX XXXX and I then mailed two checks to completely catch my payments up. These payments were sent back to me. This would have caught the payments up that I was behind. I contacted Mr.Cooper/Nationstar Mortgage to ask why they sent the payments back and he said it would not have cured the default because of the difference in the payment amount that started in XX/XX/XXXX that I was never notitifed of. The balance of that amount would have been {$980.00} due to the change in payments. I asked to pay the past due balance to Mr. XXXX which would have been up to XX/XX/XXXX {$7100.00} with the balance from the months that included the payment changed. He stated that I would have to pay lawyer fees now. The balance they had was incorrect. I spoke with XXXX with Mr. Cooper to get a reinstatement amount which was {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX of XXXX, have been impacted by the XXXX  Data Breach ; as a result, I have been a victim of identity theft. After reviewing my credit report, I noticed several inquiries that are not mine, and I have no knowledge of these inquires. I have no account with the companies listed. I have provided my FTC report for accuracy ; please review.
Product: Debt collection

XX/XX/year> XXXX XXXX : XXXX XXXX XXXX, XXXX Ga XXXX. ( XXXX ) XXXX ( P ) XXXX Dear CFPB, I am writing to file a formal dispute and seek your assistance in resolving an issue I am experiencing with Contract Caller Collections. On XX/XX/year>, I noticed a collection from the Contract Callers collection agency on my credit report.I had no knowledge of this collection, nor did I receive any mail or phone communication, or an opportunity to dispute or investigate this collection. This collection Agency has not provided with any information on this debt prior to me finding it on my credit file but placed a collection on my Consumer report. i have not been given a chance to dispute or research this collection. According to 12 CFP1006.34 ( c ) ( 4 ) ( 1 ). This Collection Agency is violating my consumer rights by using false and deceptive by placing this collection on my consumer report. This collection agency has no authority to furnish any account to my report without providing all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 usc1681-S 2 ( 7 ) ( A ). I am requesting that this collection is removed immediately from my consumer report, giving me time to investigate this collection.

Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX I went to open a account with cadence bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States I did a XXXX deposit on XX/XX/XXXX I called into customer service to get my card rushed which was a additional XXXX XX/XX/XXXX I received the card and tried to activate it I was unable too when I went back to the branch I was notified that my account was shut down do to fraud with no explanation there is nothing on my record that shows fraud at the time she gave me the XXXX left in the account but said she would have to reach out to customer service about the XXXX for rushing the card I was unable to use since XX/XX/XXXX I have reached out to the manager 2 times with no response why would I be responsible for paying XXXX for a card that was not even used today XX/XX/XXXX I reached out too the customer support team and was told there is nothing they can do I have to talk to the branch manager but the branch manager will no respond
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, and XX/XX/2019 Macys/DSNB added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, Macys/DSNB has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THE FCRA covers fraud being portected against display negatively there is predatory lending going on XXXX has already been figned for doing the same thing/
Product: Credit reporting or other personal consumer reports

I see that minimal changes were made to my report, and there are STILL Multiple INACCURACIES and FRAUDULENT ACCOUNTS on my REPORT, when I looked at my report on XX/XX/year>. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. Please REMOVE these accounts 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

- { XXXX  XXXX XXXX } Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a ) - { XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a ) XXXX { XXXXXXXX XXXX  XXXX } Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report form XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$750.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX are linked to my credit report. I rented one of their homes and moved out without owing any money back in XXXX. However, it is now XXXX and I'm still being referenced with this couple. I was asked how old XXXX was on and identity test! I need their information removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible 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

I understand your frustration with the fraudulent inquiries appearing on your consumer report, which are not associated with you in any way. As a victim of XXXX XXXXt, this issue has caused you significant mental and financial distress, hindering your ability to achieve important financial goals like purchasing a home and providing for your family 's needs. 

I want to assure you that I take this matter very seriously. Having inaccurate and fraudulent items on one 's consumer report can have far-reaching consequences, and it is unacceptable that this situation has substantially impacted your financial well-being. 

Thank you for providing a copy of the letter you previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution. I appreciate you following the proper procedures and making multiple attempts to resolve this matter.
Product: Debt collection

After building my business credit, I was invited to apply to a AMERICAN EXPRESS CREDIT CARD. After being denied, i then learned that there was a fraudulent outstanding debt that I have no relation to. I, XXXX XXXX XXXX XXXX, then contacted CEO XXXX XXXX, of AMERICAN EXPRESS regarding this matter, where my inquiry was fowarded to the fraud resolution team. After disputing this information, the fraud resolution team advised me that this information would not be deleted because there were payments made on the account. UNDER section 609a of the FAIR CREDIT REPORTING ACT, INFORMATION REPORTING TO A CONSUMERS CREDIT REPORT MUST BE VALIDATED, BY PROVIDING ORIGINAL WET SIGNATURE SIGNED CONTRACT, WHICH AMERICAN EXPRESS HAS NOT PROVIDIED, STATING THAT I OWE, OR AGREED TO ANY BINDING CONTRACT WITH XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, HAVE NEVER OWNED THE FOLLOWING ACCOUNT : AMERICAN EXPRESSXXXX XXXX XXXX ACOUNT ENDING XXXX XXXX UNDER SECTION 605B OF THE FCRA, FRAUDULENT INFORMATION MUST BE PERMANTENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION, AND ALL UPTATED MUST BE SENT TO THE REQUIRED FURNISHERS OF THIS INFORMATION. I HAVE BEEN DISCRIMATED AGAINST BECAUSE OF FALSE DEBT. I HAVE CONTACTED MY ATTORNEYR REGARDING THIS MATTER AND IF THIS INFORMATION IS NOT DELETED IMMEDIATELY, THIS MAY RESULT IN A LAWSUIT FILED AGAINST ALL PARTIES INVOLVED IN THIS MATTER, INCLUDING EACH AGENCY REPORTING FRAUDULENT INFORMATION TO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Report Attached The following accounts and inquiries are fraudulent and the creditor agreed to remove it from my equifax credit report Fraudulent collection account Equifax XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Fraudulent Equifax inquiries XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/XXXX, XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
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 XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that 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 : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

I received a {$100.00} American Express gift card as a XXXX gift. I have tried to use it at multiple retailers in person and online. I have checked the balance multiple times the card is active and it has the full {$100.00} on it I have visited the website and called American Express to try to resolve this issue and I can not get a person on the phone, I have done all the steps that they have suggested to get the card to work, including trying different retailers without success. The retailers I have tried include XXXX, XXXX, a local coffee house, a restaurant called XXXX XXXX, XXXX, XXXX, and XXXX. The card is either declined or it states that it is invalid. It is absolutely impossible to get a person on the phone at American Express to fix this issue. I also wholeheartedly believe that American Express is providing false advertising stating that this card works anywhere that their cards are accepted. If you search online youll find this is a very common issue with this prepaid card.
Product: Credit reporting or other personal consumer reports

Experian has filed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing forward Consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Experian has neither corrected nor removed or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

My private student loans are serviced by AES. Over the years I have had significant difficulties with the loan servicer not providing accurate information in regards to my loans. More recently, I attempted to have my parents released as co-signer of my loans only to find out that after a few years earlier being told that I could have them released after a certain period of time, I learn that I was denied co-signer release because the terms of my loans do n't have a co-signer release due to the years they were dispersed. When I question who the owner of my loans are I have n't received an answer. I originally borrowed from XXXX XXXX XXXX and on my credit report as well as my parents credit reports it says NCT. I have been requesting from AES proof of who owns my loans as well as contact information for NCT for nearly 2 months now and I am told that they do n't have information to contact NCT. It took them nearly a month to provide me with my original promissory notes ( finally received them yesterday ) and even after very very careful examination of the fine print of those promissory notes not anywhere in any of the documentation does it state anything in regards to a co-signer release or that the loans are not eligible for co-signer release. I have demanded that AES provide me with documentation of the co-signer benefits and stipulation but have yet to receive much more than a generic almost computer generated response. Even when you call them it seems as though the customer service reps are trained to respond in certain ways and that their knowledge is lacking as well as their customer service skills. I 've seen news stories on how NCT likes to sue people for not paying their loans but then when they get to court they cant prove that they are the owners of the loans.
Product: Checking or savings account

I have been with suntrust Bank since XXXX years old. I have spoken as well as met with the branch manager on numerous occasions. I am getting charged excessive fees. This year to date I have {$1500.00} of overdraft fees and {$820.00} of returned item fees. I went through an horrific divorce and medical issues. It appears instead of personal banking a logarithmic formula decides what is paid. I have an automatic check deposit on the XXXX of every month which would cover any fees. The bank knows this but they still will not work with me. This is the Suntrust XXXX XXXX XXXX in XXXX Tn. I was unable to get an Rx I needed as well as pay for an eye exam. The consumer meaning me is a victim of usury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from 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, also the inquiries are not mine XXXX/XXXX  XXXX , XXXX/XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. Thank You. Also I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX , IN XXXX. Must be a name mixup. I have stayed at XXXX XXXX XXXX XXXX, IN XXXX all my life. Please fix the issues.
Product: Mortgage

Here 's a copy of what was sent to Homestar Financial : To whom it may concern. 
I am deeply troubled by the lack of communication and unacceptable service received since refinancing my home. 

For some unknown reason, Homestar did not process the approved payment for the XXXX premium. Subsequently, I received an unfortunate letter re Foreclosures and the need to make immediate payment for two months premiums. 

The document received did not acknowledge errors made on behalf of Homestar, yet fully placed the blame on the consumer. 

As a result of these oversights by Homestar, my credit reports, as well as my wife 's, have been inaccurately reflected to show missing payments for XXXX and XX/XX/2020. 

Here 's the email I sent to Homestar asking for an explanation on XX/XX/2020 - to which I've had no response as of this message. Please review the details provided. 

To summarize, on XX/XX/2020 Homestar confirmed autopayments would be made effective XX/XX/XXXX, XXXX. 

Homestar has quite a few issues to correct, especially regarding the inaccurate reporting on the credit reports for both myself, as well as my wife. 

I look forward to your immediate response, to include a plan of action that addresses each issue Sincerely, NAME The XXXX email and attachment is listed below : CC : XXXX XXXX XXXX Consumer Financial Protection Bureau ACCT Concerns - LOAN # XXXX Mon, XX/XX/2020 at XXXX XXXX To : XXXX URGENT MESSAGE Please see the information on your website regarding my monthly payment. My monthly payments are $ XXXX.I enrolled in AutoPay XX/XX/2020. It was to become effective XX/XX/2020, as stated on the confirmationletter I received ( attached for your reference ). 
Why in the world am I seeing a payment due date of XX/XX/2020? 

ot only was the XXXX payment made, I did everything requested to have the monthly payment deductions begin XX/XX/2020 - per confirmation from Homestar. 
This is of great concern to me, and I appreciate a thoroughreview to better understand what's happened - or what I've done wrong. 
Sincerely, NAME
Product: Credit reporting

this is not my report # XXXX please remove from all XXXX reports