23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I have an existing complaint on this mortgage company, Nationstar, my case number is # XXXX. The status of my compliant is being investigated and according to the letter attached by Nationstar they expect to have a resolution by XXXX XXXX. Here is a direct quote from that letter '' Please be advised that at this time, we are still reviewing our call and payment records to determine if refunds can be issued. We apologize for any inconvenience this issue may have caused and appreciate your patience. Please be advised your new expected date of resolution is XXXX XXXX, 2015. " Funny I just signed for a XXXX delivery and its from Nationstar, it is a ( NOTICE OF PER-FORCLOSURE ) it says I have 30 days to respond. This company needs to be investigated they have no control over what happens within their own company. My nightmare never ends, please investigate them, can you help me where else can I go to get some help. The stress is overwhelming at this time am can i really lose my house over this!!!!!! Someone please stop them. I will attach this new letter I got Monday to this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX  XXXX ... XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

Cap Mgmt Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called Cap Mgmt. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by Cap Mgmt.
Product: Mortgage

we need help with mortgage they are charging us XXXX XXXX wont help us with forbearance or loan modification or loss mitigation our payment is XXXX a month on conventional loan and XXXX goes to princapal we put {$28000.00} down they offered no incentives or down payment help they knew my sister received XXXX when they approved us this is our primary residence XXXX we have XXXX kids under XXXX ( XXXX and XXXX ) and they know we used our only car as down payment my son died in car accident a month after we bought and they wouldn't help when he died they paid {$3.00} after I had to send {$1400.00} and they was supposed to pay 2 months not {$3.00} please help we have no where to go and no one to ask for help
Product: Student loan

The department of Education approved income based repayment plan for me. 
{$20.00} per month for year 2020. 

However, Navient company notified to me past due of {$850.00}. And also {$94.00} for XX/XX/2020 and then {$99.00} for XX/XX/2020. 

I don't understand which one is the right amount of payment. 
Thank you
Product: Checking or savings account

From XXXX XXXX XXXX, I have been charged nine {$34.00} non sufficient funds fees, totalling {$300.00}, caused initially by an automated student loan payment I didn't realize would hit the account. When I received a second non sufficient funds fee of {$34.00} for a balance at negative {$9.00} in my account, I went into the back and asked them to waive the second fee to get my account back on track ( at that point with the fee, the account was - {$43.00} ) but they refused. A spiral has happened since. I have since had fees accumulate with fees upon fees. The fees have been more than the overdraft at this point. I would like a credit to my account for {$300.00}. I have been depositing my daily wages every day, but the fees are too much to overcome.
Product: Mortgage

I filed a motion to compel the foreclosing purported claimant XXXX XXXX XXXX , XXXX XXXX, as Trustee for a securitized REMIC trust, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX '' to produce the original " wet ink '' Note in my XXXX  XXXX U.S. Bankruptcy Court proceeding, case XXXX XXXX XXXX, heard in XXXX, Massachusetts. The foreclosing corporate entity failed to produce anything. I have a right to verify whether said entity actually owned my Note when it purportedly foreclosed my property. 

I am hereby demanding the CFPB compel the purported foreclosing entity to produce a complete chain of custody of MY NOTE, that I issued, and that they claim they owned, not simply held, when they purportedly foreclosed the mortgage on my home located at XXXX XXXX XXXX in XXXX, Massachusetts, on XX/XX/XXXX. 

I demand evidence in the form of a sworn statement indicating with specificity the complete chain of custody of MY NOTE, from the moment I issued it to XXXX XXXX XXXX XXXX on XX/XX/XXXX, to the present time, including dates of transfer, owners of my Note in whole or in part, " holders '' of my Note that may not have owned it in whole or in part and identified as such, and if ownership was/is claimed in part, the exact amounts of ownership claimed, with supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I discovered after 15 years of being an account holder at Wells Fargo, they started charging me a $ XXXX fee on my Savings Account due to not having enough funds in the account every month. This is unfair as they can see I have plenty of funds in checking account to cover this but still charge the junk fee. They offered to refund me {$5.00} of the {$15.00} total but I am not happy as all {$15.00} should be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE. This is hurting my chances of moving into a new place.
Product: Checking or savings account

I have a large sum of money deposited to an AMEX online savings account. I closed the account on XXXX XX/XX/2024 and they have refused to return my money. 
After numerous calls to get the funds, I was told to call XXXX XXXX XXXX the company never gives out the employee 's last name, only the initial ) when I asked to speak with a supervisor. Spoke with XXXX XXXX ; he advised that he was recording the phone call and that he records all phone calls. I said I've closed my account and I'd like to have my money. He told me to call XXXX XXXX XXXX ( which I have done at least dozen times before ). I called, received the same response, which was always an excuse ( they seemed to have a lot of them handy and ready ). They have said " your funds will go out tomorrow " ( lie, never happens ) ; or, your bank refused to deposit ( lie, I contacted my bank, they received no communication from AMEX ). I closed the online savings account with AMEX on XX/XX/2024, have made dozens of phone calls trying to get my money ; they are masters at deceptive excuses or lies. I'm a XXXX XXXX XXXX male, the funds are my life savings, I'm losing sleep over this. Please, drop the hammer on this company ( AMEX online savings accounts ).
Product: Debt collection

Our office represented the buyer of the property located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX in a purchase that closed XX/XX/18. 

Mr. Cooper holds the seller 's mortgage secured by the collateral property. 

Mr. Cooper provided a payoff estoppel letter dated XX/XX/2018 that had a payoff figure of " Total Amount to Pay Loan in Full ( through XX/XX/18 ) '' of {$250000.00}. 

Our office remitted {$250000.00} by wire transfer XX/XX/2018 and received a wire confirmation from our escrow accountant at XXXX XXXX CST on XX/XX/18. 

Mr. Cooper then returned the wire to our office without explanation over 10 days later on XX/XX/2018. We contacted Mr. Cooper that day by phone but the representative was not able to provide an explanation. 

In a quick XXXX search, we found a notice of foreclosure and contacted the law firm referenced in the foreclosure notice. The law firm as similarly been unable to help in resolving this situation. 

Mr. Cooper is refusing to honor the payoff statement dated XX/XX/2018. Mr. Cooper has now provided an updated payoff statement good through XX/XX/2018. 

On Wednesday XX/XX/2018, a Mr. Cooper representative furnished the payoff statement good through XX/XX/2018 and verbally verified an additional {$700.00} was claimed owed. In an effort to resolve the dispute resulting from Mr. Cooper 's failure to honor its own payoff statement, our office remitted {$250000.00} by wire transfer and received confirmation of the transfer from our escrow accountant at XXXX XXXX on Wednesday, XX/XX/2018. 

Mr. Cooper acknowledged receipt of these funds in a phone discussion with the seller 's title company yet on XX/XX/2018, claimed yet another shortage was now owed in the amount of {$850.00}. The seller 's title company wired this shortage to Mr. Cooper on Wednesday, XX/XX/2018 and the confirmation references the transfer was completed XX/XX/18 at XXXX XXXX EST. 

Mr. Cooper has now called our office and requested by phone an additional {$1600.00}. 

Mr. Cooper has failed to honor two written payoff statements and three verbal payoff confirmations at this point.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX/XXXX  Acct # XXXX XXXX  Acct # # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX  acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX/XXXX  acct # XXXX XXXX  XXXX  acct # XXXX XXXX XXXX XXXX  acct # XXXX 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: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been reported to trans union, XXXX, and XXXX XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep screwing up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX.
Product: Debt collection

Suburban Credit Corporation has inaccurately reported a debt on my credit report. On my initial dispute, I advised them I have NEVER been a patient of XXXX XXXX. However, they REFUSE to close the account. My credit score is damaged because of this FALSE debt. How can I be taken to Collections by XXXX XXXX if I have never been a patient? Also, I am have Health Insurance. Please investigate this irresponsible reporting by XXXX. It damages my Credit Score and they simply are not doing their job such as ACCURATE reporting. Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Experian, XXXX  , & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Experian, XXXX, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Experian, XXXX, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, experience .tranunio I have done online disputes disputes by mail and called there fraud depts about in authorized disputes and the always say they were validated and accurate which ifalse is have filed complaint with fcra filed a identity theft report called each individual inquiry 1 company removed it These are the inquires that Still remain and are so called validated By bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These r violations 15 u s c 1681 section 602 a states I have a right to privacy 15 u s c 1681 604 sec 2 also states a consumer reporting agency cant furnish a account without my written permissin
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I received a inquiry on my Equifax credit report from XXXX XXXX and XXXX XXXX XXXX XXXX. These inquires came after personal items were stolen on XX/XX/20 and were not made my me. I filed a dispute with Equifax and also tried to reach out to XXXX XXXX and XXXX with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REFUSES TO UPDATE AND ACCEPT MY NAME CHANGE WHICH WAS LGALLY DONE SINCE XX/XX/2014! EVERY TIME AND I APPLY FOR BUSINESS CREDIT, ANY CREDITOR THAT USES THEM ALWAYS DENIES MY CREDIT AND ADDRESSES TO THE WRONG NAME THAT NO LONGER APPLIES TO THE SOCIAL SECURITY CARD! XXXX IS THE ONLY CREDIT REPORTER THAT HAS UPDATED MY LEGAL NAME CHANGE ... XXXX XXXX HAS NOT BUT AT LEAST USE MY EARNED TITLE OF XXXX ! THIS XXXX AND FRAUDULENT EXPERIAN WITH THEIR FALSE ADVERTISEMENT IS THE ONLY THUGS THAT REFUSES TO ADDRESS ME AS XXXX OR ACCEPT MY LEGAL NAME AS XXXX XXXX AND IT IS CONFUSING WHENEVER I TRY TO APPLY FOR CREDIT. I TRY TO USE ONLY COMPANIES THAT USE ONLY XXXX SINCE THEY WERE THE ONLY ONES WHO ACCEPTED MY LEGAL NAME CHANGED LIKE XXXX XXXX. BUT SOMETIMES I DON'T ALWAYS KNOW WHAT OTHER CREDITORS USE UNTIL AFTER I APPLIED.
Product: Vehicle loan or lease

We leased a vehicle from Infiniti Financial Services for 36 months and returned it on XX/XX/2023 to our local Infinity dealer here in XXXX XXXX XXXX  Infiniti. XXXX weeks later we went to purchase a vehicle and the dealership that we were purchasing from notified us that Infinity still had not closed our account and that we had an outstanding balance with them. We called infinity and they stated that their systems were messed up and that they do not have records at the car was returned. We provided them with a record that shows that we return the car on the XXXX and to who we returned it to. In doing so they said that they were going to send us out a close credit statement within XXXX to XXXX business days and never did so. Then yesterday I received an alert from the credit bureau that Infinity Financial has placed a XXXX late on my credit. I was very upset about that. I called today to discuss with them the situation and they stated that it is a glitch in their system and that they never closed our account out and they are going to close it out and we should receive something in XXXX to 5 days in addition to reporting to the bureaus that correction to the XXXX late never happened. This has brought down my XXXX XXXX XXXX points and really hurt me because we were trying to replace our vehicle that we returned and we have not been able to because of their fraudulent activities by not closing the account originally and now placing a 30 day late on my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 a 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 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was decreased by XXXX points on XX/XX/XXXX, I've since then made a payment of XXXX on XX/XX/XXXX, Capitol One refuses to report my current Account Status, so i'm providing the before and after so it can be updated properly and not continue to negatively affect my credit any longer. I asked them to do it, they refused.
Product: Credit reporting or other personal consumer reports

20 USC 1232g ( b ) Family Educational Rights and Privacy Act ( FERPA ). Protects the privacy of student education records. I have attached my credit reports in this formal complaint to prove that Nelnet and the Department of Education are violating my rights to privacy by furnishing my nonpublic personal information inaccurately reported multiple student loan accounts on my credit report to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX without my written consent nor did they give me a option to opt out of they reporting the Department of Education and Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this. 

Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX  and XXXX. still nothing. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.