23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar Mortgage became a servicer of my mortgage from the original provider XXXX Mortgage. At the time the servicer and my mortgage changed hands my records did not match XXXX 's regarding balance and amounts due payable. Previously I had spent a very significant amount of time with XXXX going through reconciliations and they resolved some of the matters and applied funds that had been received and not credited to my account. When Nationstar took over I disputed the balance and stated several references and factors. Nationstar did an incomplete review and major discrepancies continue to exist. Meanwhile, fees upon fees and charges stack up. That should not be occuring. Nationstar has not been trying to resolve or look into my matter or concerns and is not acting as mortgage servicer, but as a debt collector. They continue to send foreclosure notices despite the balance they inherited being disputed. I continue to recieve non stop calls and no one is willing to seek a solution or look into my matter for resolution. In a most recent example on XXXX/XXXX/XX/XX/<YYYY> I received a call from the XXXX XXXX number. I asked to speak to the representative assigned to my account and property. This is a woman who I have received letters from Nationstar stating that I should contact to discuss my account specifics. However, everytime I try to call the number it does not go through to the woman. The person that called me today had no record or records of this or the womans name. When I asked to speak to a supervisor I was placed on hold for over half an hour with no check in or ability to speak to anyone before I disconnected.
Product: Credit card or prepaid card

I sent letters to CIT Bank regarding 2 account that are not mines and they are reporting under my information, I have spoke to them and did a claim for both accounts and provided them with a police report. They still have not removed it from my credit report as it is negatively reporting as chargeoff, it should not be there at all as those are not my account, there are collections agencies calling me everyday about this two account which I would like to have stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent in a request to the credit bureaus to investigate errors on my credit report. Over 30 day have passed, and I have yet to hear back from them.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00}
Product: Credit reporting or other personal consumer reports

I am the consumer, XXXX XXXX. Capital One has failed to procure MY written permission for Capital One to report anything on my credit. Capital One and the credit reporting agencies are in violation of the FCRA. I have notified the credit reporting agencies with failed attempts to resolve the issue.
Product: Credit reporting or other personal consumer reports

Someone took a loan out in my name in XX/XX/year>. They purchased an ATV and also took advantage of using a third-party vendor to finance some of the purchase. The atv is paid/closed out on my behalf but the XXXX XXXX XXXX XXXXXXXX that they used isn't after tracking down the company. I filed a dispute with them. They don't have representatives that talk with you about fraud claims, you have to do everything via letter to the fraud team. Hey only speak with you when they are attempting to collect a date but once you explain your fraud case, they transfer you to an automated line. I explained to them in my letter that my identity was stolen by two peoples I suspected and had already filed police reports on them and that I didn't know anything about them and hadn't opened no account and had never received anything from them .They closed the account but they are still trying to collect this debt from me and or reporting to all three credit bureaus impacting my credit.
Product: Credit card

I applied for a XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, and was approved for {$3000.00}. However, I never received the card or statements. After 30 days, I called and my account was locked for verification. I sent my SSN as requested, but they claimed they never received it. Despite providing the info, I still couldnt access my account. On XX/XX/XXXX, I received a notice saying my account was closed, and I owe interest and late fees on an account I couldnt access. They do credit cards with Comenity Bank ( Bread Financial )
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to car dealership and they promised me that theyre going to check with one lender, over time I checked my credit report and its has several inquiries. I am now in a position of bad credit and its holding me back from opportunities and its extremely hard for a dad to help his family with bad credit I need help removing inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year> I informed One Main Financial that I was just informed of unexpected car repairs of {$2500.00} and I need to figure out if/how I was going to get the car repaired. The responded to let me know I had options to bring the account current and I asked for those options. On XX/XX/year> I received another text informing me I have options one of the options was a temp loan MOD  for {$210.00} for the months of XXXX, XXXX and XX/XX/year>. I selected this option. I was provided a link to click on to make payment and I informed them I dont click on links and asked if I could pay online and was informed that I could. On XX/XX/XXXX I received a text while at working informing me they sent the temp loan MOD  and pin to my email for me to sign and return. I was on my way to a meeting so I electronically signed and returned, but saw that the previously agreed upon terms were incorrect. I immediately reached out to them via text asking why the terms were different and received a response that I need to pay XXXX payment or my loan would be out of the branch. I responded and told them that wasnt my question and they said my terms were what we agreed to verbally and agreed that the document could be confusing. I told them any MOD should reflect the correct terms since it is a legally binding document. They asked me to call instead of texting, but I didnt because I wanted all communication to be in writing. On XX/XX/year> I reached out to their Corporate office and asked why the MOD didnt match the terms we agreed to verbally and told them the is confusing. They agreed again that it could be confusing, but the terms are the verbally agreed to terms. They also stated that their MODs are auto generated and had the same terms listed on all of them. I told them that doesnt make sense and a MOD should have accurate and complete terms on it. I let them know they were violating UDAAP and I would be in contact with the CFPB for assistance.
Product: Credit reporting

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX ACC # XXXX Please update my phone number XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. a letter was written to the courthouse asking to provide the procedure in which they verify records information with XXXX, XXXX XXXX Experian and /or third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point this XXXX is XXXX me XXXX! This is my second time sending this XXXX request! This has caused me extreme distress and has prohibited me from purchasing my XXXX  home. I tried calling multiple times to confirm my XXXX  identity and no one XXXX  answers. I am not an unauthorized third party this is XXXX XXXX I have submitted this request 2 times These accounts need to be removed from my account IMMEDIATELY!!
Product: Checking or savings account

Capital one has not deposited my direct deposit from my employer and is not giving any information as to when or why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX , XXXX XXXX,
Product: Mortgage

I am filing a complaint on Nationstar for their deceptive, unfair and abusive loss mitigation practices. I am requesting Nationstar do the right thing and give me the mod they have promised. Please see the attachments with Compliant, Modification Approval Letter, Signed and notarized Mod Package and Denial Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent inquiry on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Below are the fraudulent inquiries that needs to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I ordered a package XXXX which my package was stolen before I arrived home i called XXXX to dispute they request poloce report I provided that they refuse to refund my moneyXXXX  with all the information they need. 
I dispute with my credit card company they applied XXXX credit, XXXX months later they stated i lost the dispute and backcharged the amount.. i made a payment XXXX XXXX they made it hard for me to make my payment restrictions my account and loed to my face about XXXX not refunding me my money XXXXXX/XX/XXXX.called XXXX on 3wat with bank and XXXX stated they refunded the money XXXX bank is over charging me and they are not disputing or helping me in anyway they are withholding my money even after i have paid my balance in full.. i am asking for help to have this matter resolved asap within 7 days it is affecting my credit score and lively hood i cant even get approval for apartment because of the mistakes capital one made.. and they are treating me like i did something wronge by trying to lay my bill off saying fraud on my account and finding any reason to avoid giving mewhat is rightfully XXXX XXXX refunded it so why is any balance still pending on ym account going into XXXX if i was refunded..
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached my document, which i have mailed certified many times to Transunion, but unfortunately after many attempts, they are refusing to remove the suppression from my credit file, they have asked my to mail in letter because that is the only way to remove the suppression, but after each next day and certified mail, i have called and each time time they have mentioned they have not received my request as to remove the suppression, please i need you help to remove this suppression from my file, i am writing this complaint, because i need help. 
please have Transunion to remove this suppression from my credit file, since they are not being helpful in any situation thank you
Product: Money transfer, virtual currency, or money service

It was XXXX years ago when my CashApp was terminated by CashApp. I was sending my daughter {$1000.00} but they froze my account and placed XXXX on my account. I was unable to access my account even when verification of my personal details. I reached out to Cashapp numerous times but no one ever responded and my social security number was blocked from me ever being able to use my account. I dont have the exact date.
Product: Vehicle loan or lease

1 ) Acting as a 3rd party collector not bonded and licensed to do so in the State of Tennessee. See Exhibit 1 2 ) Car Was a voluntary repo in Colorado XX/XX/XXXX and UCC Code 9-506,9-611,9-612, 9-613 all violated as they intentionally sent the letter notice to sell to an address that terminated in XX/XX/XXXX so we had no chance to rectify the situation. See Exhibit 2 Then they sent distribution letters back to the correct address. Exhibit 3 3 ) The letter was written by me notifying them of UCC code violations. Exhibit 4 4 ) Exhibit 5 Letter from the full of false dates of purchase and from wrong companies. 5 )  Exhibit 6 Standards and poor documentation stating that XXXX XXXX will function separately after the merger backing up the fact that XXXX is functioning as a 3rd party collector and unlicensed to collect in this state. 6 ) exhibit 7 shows a statement pay off letter dated on XX/XX/XXXX for XXXX showing total amount due. yet credit reports show in default over 13k
Product: Checking or savings account

Paid a vendor with a personal check on XX/XX/2023. The vendor held the check XXXX months before depositing into their checking account. I've called Chase XXXX time regarding this matter. Personal checks expire after XXXX months but yet the check was still cashed. I was told something different every single time I called. On XXXX it states that personal check expire after XXXX months due to the Uniform Commercial Code but yet i hav n't received my money back. At the time the check clear I did NOT have enough funds to cover the check which is another reason why the check should not have cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, they received information that my account was discharged so there should be a XXXX balance. This was confirmed by several of their reps & supervisors. Today, XX/XX/XXXX, they reported on my credit report that I owe {$120000.00}. Prior, nothing was ever reported. I do NOT owe this. My loans have been discharged and according to my letters from the Department of Education, my credit report will be XXXX out once discharged ; not add such a large balance. This reporting has decreased my credit score by XXXX points and added to my credit usage significantly HIGH when it has always been under {$100.00}. This now negatively impacts me trying to get a home loan. The mortgage company just now pulled my credit report which now shows this extreme high debt that I DO NOT OWE and they know that I dont owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy inaccuracies on my credit report numerous times from XXXX and Experian. And the results remain the same as verified from XXXX XXXX. So I contacted XXXX and requested my public consumer report and there is no bankruptcy on there. I even called XXXX and they confirmed this as well. My question is ; if reporting is done monthly, and there's nothing on my report from XXXX how is that fair in verification? This is hurting my credit and needs to be removed. It is not valid. Furthermore, bankruptcy does not report to credit bureaus and XXXX doesn't have a bankruptcy on my file. Where is this validation coming from. The two bureaus will not remove this. This should be illegal, or some sort of violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit was ran by someone, I did not authorize and don't no the company this is a fraud and i need them removed from my credit report. 
XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022