23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received letter shipped by standard mail, dated XX/XX/2019. Letter is from XXXX, XXXX and XXXX, XXXX, stating that they are attorneys for XXXX XXXX XXXX. Such firm is stating that they are trying to collect a balance of XXXX owed originally to Capital One, N.A. 
The letter states that unless I dispute the validity of the debtwithin 30 days after its receipt, it will be assumed that the debt is valid. 

Collection Agency : XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts 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 Balance : {$6300.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Mortgage

I am a mortgagee with Nationstar - # XXXX - Nationstar is reporting a defered amount as past due - this is not the agreement I signed at modification - Their website lists the amount due correctly - however to the XXXX credit bureaus - they have reported this incorrectly for more than 6 months - I have repeatedly asked this be corrected and have had temporary corrections that reappear the next months - This is an extreme impact on my credit history - Secondly, I do not understand the Defered amount - I have had my mortgage for 8 years, have never borrowed additional money and owe $ XXXX more today that on the original date - This is a fixed rate - I have repeatedly asked for an amortization or invoice to show the payments and balance - but this remains unanswered - This modification was done - during my XXXX and I do not understand what they have done - Could this be a predatory modification? I have no idea - simply want details -
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

No information provide by collector, they just took 50 point on my credit Report, and now saying that I own US {$1900.00} Never was contacted by phone or writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is Three collection accounts that do not belong to me, i have called them company and they give me no info because i cant verify my info. These items are stopping me from buying a home. Also, below are a lot of inquiries that i never did, this has to be fraud or an attempt to do fraud. 

XXXX XXXX XXXX Opened XX/XX/XXXX amount {$640.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$760.00} XXXX XXXX XXXX XX/XX/XXXX amount {$410.00} Inquires below XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank Equifax Mort Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XXXX XXXX, XXXX National Credit Cards/Airlines XXXX/XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXXNational Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX   Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XX/XX/XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX
Product: Credit card or prepaid card

I Consumer XXXX On XXXX I sent in payment via certified mail with postal money order and remittance coupon citing UCC 3-603B to NC STATE EMPLOYEES CREDIT UNION headquarters at XXXX XXXX XXXX XXXX, NC XXXX For credit card account ending in XXXX
Product: Mortgage

We have been the victim of criminal and systematic loan fraud by XXXX different Loan Servicing Companies. First, a company called XXXX produced and had us sign a fraudulent HUD statement that appeared to make our payment appear low. When the payments were made there was an escrow shortage and the payments kept climbing. After my dad died, we had approximately {$1500.00} stolen from our escrow account by loancare and they PAID SOMEONE ELSE 'S PROPERTY TAXES WITH OUR ESCROW. They used this shortage to DOUBLED OUR HOUSE PAYMENT. When confronted, they never corrected any of the issues and they sold the loan to Nationstar. 

Nationstar, after discovering the criminal fraud on the HUD statement, has never corrected the issue and they have now engaged in their own predatory loan practices. The escrow due/paid each year is XXXX a year for taxes and insurance in 2015, but they collected almost {$6000.00} for this XXXX bill in 2015. The payment went up yet again and now is almost double the original amount on the fraudulent HUD statement. 

I think they are actually preying on widows and widowers intentionally. The fraud started when my husband died and it has accelerated. I had a complete nervous breakdown and my son had to rescue the home from foreclosure. 35 years we had a loan and no problems. This behavior I have witnessed is intentional, criminal and it needs to be stopped. The fraud seems to be concentrated around escrow manipulation in numerous forms. 

HELP!!!! Please and thanks!!!
Product: Credit reporting or other personal consumer reports

Since taking out my mortgage in XXXX, I have made 100 % of payments on time using a monthly recurring automatic payment. In XX/XX/XXXX, my required monthly payment increased due to tax increases in my city. Despite this, the autopayment did not update and took the previous months amount, which ended up being XXXX dollars short of the required payment. One month later XXXX XXXX  called me on the phone to tell me my payment was XXXX dollars short. I immediately paid XXXX dollars by phone and immediately increased the monthly autopayment manually. This clerical error is now being listed on my account as a missed mortgage payment and has dropped my credit score from XXXX to XXXX. This is not a missed mortgage payment it is a clerical error on the part of the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1900.00} Account was settled with 11 XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.
Product: Debt collection

In 2012, I was on contract with XXXX for XXXX cell phones and a data plan. I was in the middle of being kicked out of home, and having found a new place to live I was understandably low in the bank. I had paid my bill on time and in full for several months, so I contacted XXXX to discuss delaying payment ( and late fees ) until a later time in the month to give me time to accumulate the funds. I was told that this would be acceptable and could pay at a later date. When I prepared to pay my bill, I was surprised by not only one late fee, but several other undefined fees that added up to more than twice my normal bill. I was unable to pay ; however, I needed to move to another provider as to continue service for myself, my brother, and my business partner. I was unable to settle the debt in full ; however, I had attempted to contact XXXX to negotiate a payment plan which was denied in full. I have since been unable to pay this debt in full and would like to present this case for what it is and have the debt settled.
Product: Credit reporting or other personal consumer reports

Roundpoint assumed loan servicing XXXX. Payment submitted XXXX. Payment REVERSED XXXX without prior wrong address notification. Payment resubmitted XXXX. XXXX payment submitted XXXX. XXXX and all future payments submitted on time. Roundpoint refuses to acknowledge receipt of both XXXX & XXXX payments. We have provided a copy of our XXXX XXXX XXXX account statement which clearly documents both XXXX payments, as well as the reversed XXXX payment. 
Roundpoint has issued unwarranted bad credit reports which have reduced our credit ratings from XXXX to XXXX. They have also imposed unwarranted late fees. 
We spoke to Roundpoint Customer Service on a recorded call on or about XX/XX/15 and there was no resolution. We have since contacted Roundpoint six times, without resolution. PLEASE HELP US!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX aXXXX 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 XXXXXXXX XXXX acct # XXXX has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out letters to credit bureaus regarding incorrect accounts I have in my credit report. And up until now, I can still those accounts in my credit report. Why must they take this long to handle this situation. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thanks.
Product: Credit card or prepaid card

Electronic payments initiated by my bank were rejected and then a fraudulent late fee was applied. I have bee making payments by the same method for years and this has now happened for the past 2 months. My account is reflected as past due and I've never had a past due payment in my life. This will impact my credit score. When I call Comenity Bank to complain, I am on hold for hours and never get anyone to assist me.
Product: Money transfer, virtual currency, or money service

Complaint about Coinbase, Inc ( XXXX  ) I recently lost my cell phone and changed to a new phone with a new phone number. Now I have tried about a week to update my new phone number and did three times to recover my account and the problem still no resolved. I was able to chat with several reps but they can not solve the problem either. I was able to log into my account but I can not update my phone number in my account as they always tried to send a verification code to an authenticator app on my old phone, which I don't have it anymore. I don't know why there is no option to send the verification code to my new phone number. One rep even let me to set up a temporary account to update the new phone number but still not worked. Now I can not trade or transfer my assets. This is a major defect for the online website and the apps and a major concern for security of my assets.
Product: Credit reporting or other personal consumer reports

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since nearly 60 years ago I've been harassed by a collection company that has medical bills having nothing to do with me I've asked for reports and proof and nothing has been furnished they are in violation of the fcra reporting laws and federal debt collection act. Please produce original signatures or stop harassing me and remove it from my credit
Product: Credit reporting or other personal consumer reports

Concerning incorrect and unauthorized entries on my credit report, which have significantly affected my financial stability. A data breach compromised my personal information, leading to the fraudulent addition of unauthorized accounts and credit inquiries without my awareness or approval. Despite not initiating these accounts or inquiries, they continue to appear on my report, harming my credit profile and overall financial well-being.
Product: Mortgage

I received a paper letter stating my monthly payment would go from $ XXXX to $ XXXX. I logged into the company 's app and saw that the taxes they paid for the year were almost triple the previous year. I sent a message to the company on XX/XX/XXXX  to request an explanation as to why the rate had jumped so much. This morning, I found the issue was " closed '' and no response was given.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT According to a certified mail receipt, the credit bureaus received my dispute regarding all accounts relating to XXXX XXXX on XX/XX/year>. I sent an affidavit to XXXX XXXX explaining the inaccuracies listed on my credit report as well as duplicate accounts. These concerns raised questions around the reliability and validity of the information reported by this company, so I requested validation of all debts associated with XXXX  XXXX. These debts included : XXXX XXXX, ACCOUNT NUMBER : XXXX ( duplicate account ) XXXX XXXXXXXX, ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, ACCOUNT BEGINNING IN : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ( duplicate account ) On XX/XX/year>, I noticed XXXX XXXX XXXXXXXX credit card accounts removed from my credit. On XX/XX/year>, I received an email directly from the company stating they received my dispute regarding the auto loan. No mention of the XXXX XXXXXXXX credit cards listed in the dispute. My Experian dispute center does not show a dispute reported for the credit cards which were removed and my XXXX results returned stating disputed items not currently reporting on your file. '' However, they were REMOVED from my credit file. In addition to that, the XXXX XXXX XXXX collection was the duplicate I was referencing which is still on my account. Then a collection under the furnisheXXXX XXXX XXXX was then added to my account once these credit cards were removed. Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of these account due to inconsistency in account information amongst the reports. Which was not validated, resulting in the removal and further confirmation that the furnisher understood the FCRA violation. Also, under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S. Code 1681s2 ) both the bureaus and the creditors have an obligation to report disputes accurately. That was not done in this case resulting in another violation of FCRA and showing the companies lack of due diligence in credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, transunion XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 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 an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer 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. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " 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

I am writing to bring to your attention fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have become a victim of identity theft and have reported the incident. It is crucial to address this matter promptly, as it has negatively affected my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Product: Mortgage

Toward the end of year XXXX, I received property tax and homeowner 's insurance bills. I paid both bills because I did not realize I was paying in escrow for the same bills. In XX/XX/XXXX, I discovered I made the two payments twice. I contacted the current homeowner 's insurance company that promptly pointed out the date they refunded the over payment. The same day, I contacted XXXX XXXX XXXX that told me my payment was accepted first. Therefore, they returned the second payment to my mortgage company at the time. I contacted the latter. They refused to talk to me on the basis that my mortgage was being serviced by Shellpoint. I contacted Shellpoint on three occasions. For the last three months, they kept on telling me, they were seeking information about my funds from the former servicer. As a result, I am requesting your intervention for them to refund my {$2200.00}.
Product: Credit reporting or other personal consumer reports

The vehicle in question was involved in an accident that I was found to be not at fault. The car was totaled out and paid by XXXX XXXX. The information reporting to the credit bureaus is incorrect. The account should be showing as closed and the remarks are incorrect as this was not apart of a repossession. I have requested this information to be updated and removed and have had no luck.