23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

( # 1 ) On XX/XX/2020, i sent a document stating that i have flood insurance through my insurance company XXXX XXXX XXXX. Mr Cooper continues to charge me in escrow stating that i don't have the required insurance even though i showed proof with policy number and contact number of my insurance agent. 

( # 2 ) On XX/XX/2020, i asked to pay down my home loan to a manageable amount. Mr Cooper refuses to allow me to pay into my principle amount since they make money off interests. 

Contacted MrCooper by phone and sent numerous emails through their portal system numerous times as well as asked for help on their social media platform. 

Although they stated that they would help, i have yet to hear from them besides the usual verbiage of customer outreach.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Moved out of rental and let XXXX know XXXX of XXXX of XXXX. Rental was turned over on XX/XX/XXXX. XXXX with XXXX said all was good, I didnt owe any . They kept all of my security deposit and I professionally cleaned the home prior to moving. Was not contacted by them via email, mail or phone call stating I owed any $ for the last 2 weeks. My rental agreement was up XX/XX/XXXX. I did not renew due to Covid. I was contacted by phone call on XX/XX/XXXX by collection agency XXXX XXXX XXXX saying I owed {$1000.00}. She said if I didnt pay they will just report me and damage my credit. I told her I was never notified by anyone saying I owed any . I contacted XX/XX/XXXX via email and XXXX said I did not owe anything and to ignore. I called agency back and left message telling them what XXXX said and to call me and contact XX/XX/XXXX directly. Weeks later I got an alert saying my credit dropped and it was put on report. I cant get an answer or call back to talk with anyone with XXXX. If I owed any . I cant get an answer from anyone and I dont believe debt is valid. I would have paid if XXXX told me I owed which he didnt. It would have only been for two weeks- not a full month of I did owe.
Product: Mortgage

I became delinquent with my condo association dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.
Product: Debt collection

XXXX XXXX of XXXX ( XXXX XXXX ) sent bill to collections and included price of rental unit. Lady in office said if i brought unit back they would remove cost of unit. I brought the unit back and they then said they couldnt remove the cost of unit and said id have to work it out with XXXX XXXX. I am not paying extra for unit that was returned. Amount sent to collections is {$920.00}. Bill was only XXXX some dollars
Product: Debt collection

Hunter warfield never send anything to my adress about a debt.but yet keep contacting me forXXXX dollars.
Product: Credit card or prepaid card

( This happened to me a couple of years ago w ith Citibank Best Buy Visa w hen I lived in  XXXX  and I wound up paying more than I should have to neutralize the matter. ) I have a high balance on this card. It is a  Visa card requiring an annual fee. There is never any notification the month before that the fee is due. Now, around  6 months ago, I decided to stop using this card and simply make payments on it  ( 1 ) because of the high balance and ( 2 ) beca use my routine {$40.00} payments are reduced to 50 % toward the balance anyway. So, for the past 6 months or so, I have not made any purchases and my {$40.00} payments have been consistent. That would mean I have paid approximately {$240.00} and about {$120.00} of that balance should have been available. So, why am I being currently billed 'as of   XX/XX/XXXX ' on an account with a {$1300.00} credit limit {$1400.00}, and why is my minimum payment not {$40.00} but {$190.00} which is due XX/XX/XXXX ?   <P/> I would appreciate CFPB auditing my account to figure this  one out. As I mentioned in opening, this has happened to me before with this credit cardholder service. I have attempted to call Citibank Visa to discuss this on a phone that had very little energy but I had to. But, before I lost the call, the CSR  could not find any thing that suggested I was in arrears except my annual fee. If that is the case, the annual fee balance owing had to be no more than {$10.00}! Quite actually, I should have had enough money available to pay the annual fee. To my knowledge, the annual fee is {$75.00} ; if it has increased, I certainly have not been advised.  <P/> I question " late charges '' on the annual fee. It is " imposed '' and I did not purchase it. Regardless, late charges do n't have to be " {$25.00} late charges ''. Credit card issuers have the option to charge a late fee as minimal as {$1.00}, {$5.00}, {$10.00} and so on. Best Buy  Citibank Visa has consistently charged me {$25.00} late fees. Why? I am not a bad customer of more than 8 years. Furth er, I would like the option to change over to a card that does not require an " annual fee '' with an 8 year credit history.  <P/> In any event, I just moved from  XXXX   XXXX  to  XXXX ,  XXXX . I live in a low-income senior property, and am not in a position to pa y Best Buy Citibank Visa {$190.0 0}. ( While I do not know the rationale, I do believe my finance charges are increased markedly some months and it is a glitch that is ignored. )
Product: Credit reporting or other personal consumer reports

I fully accept responsibility for the past due balance. Since that time, I have taken significant steps to improve my financial habits and rebuild my credit. I deeply regret the circumstances that led to the charge off and have made every effort to ensure such issues do not occur again. 
I respectfully request your goodwill in removing this charge-off from my credit report. This negative mark continues to impact my ability to [ reason, e.g., qualify for better financial terms, secure a mortgage, etc. While I understand that this entry accurately reflects my past financial behavior, I would appreciate your understanding of my current situation and my efforts to improve XXXX XXXX {$500.00} XXXX XXXX {$430.00} XXXX XXXX {$260.00} XXXX  {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have a credit card with wells fargo but they have not been reporting as they should since last year and I am missing a ton of on time payments which would in turn decrease my overall usage and give me a higher credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX.
Product: Mortgage

JP Morgan Chase has operarated ( and continues to ) in an extremely unprofessional manner. They continue to accuse me me of not getting requested documents to them in a timely manner and basically accuse me of lying about things that have happened during our request for a simple loan modification on our mortgage with them. This is evidently something that they have done to numerous of their customers. For several years I have been in serious dispute with them regarding this matter and I refuse to give up until we receive a satisfactory resolution. 
The loan is in my fathers name and I have always had authorization to discuss anything regarding the account. I had received numerous correspondences from them until the last time I filed a complaint about them, approximately a month ago, I receive a letter.from them accompanied by some authorization forms telling me that I am not authorized to discuss the account. BUT I am indeed authorized to discuss the account, nothing has changed on our end regarding that. 
They are complete imbiciles that has no clue how to treat their customers. 
I will continue to report them to any company or organization until we receive a satisfactory resolution. 
This is a follow up on a previously submitted complaint.
Product: Mortgage

My payments increased from {$800.00} to approx {$1100.00} and I did my best to pay. I became delinquent around XX/XX/XXXX. I was confused, facing homelessness, and not sure what to do about this. I reached out to Nationstar/Mr Cooper, for assistance. They spread the payments over a few months. I was unable to maintain. I was not given any other options. 
In XX/XX/XXXX, a local ministry/consultant informed me of possible options to Prevent Foreclosure. I paid No Money to this Consultant and gave written authorization to Consultant to speak on the account. On XX/XX/XXXX, we informed Nationstar of our intention to short sale and prevent a foreclosure. We were informed that when an offer is received it must be initiated by a real estate agent via XXXX XXXX. 
We advised Nationstar/Cooper that there was no real estate agent involved and that we hoped to have a Cash Offer soon after the home inspection is completed. 
Nationstar/Cooper did NOT CLARIFY PROTOCOL to complete a Loan mod packet FIRST, then go to XXXX. On XX/XX/XXXX, XXXX rep Unique, XXXX, and XXXX informed Consultant of Mr Cooper site and XXXX. However, the packet was to be mailed to my address as we focused on details of raising the money to pay Cooper account off. I never received the packet that Cooper says was mailed out. All of my mail is being delivered properly EXCEPT Mr Cooper. During this time, the account was sent to foreclosure and a  foreclosure sale date was set for XX/XX/XXXX. 
TO DATE, I HAVE NEVER RECEIVED A NOTICE OF A FORECLOSURE SALE. 
The Consultant found out about the f/c sale date by word of mouth. In fact, when we call in they verify the account but did not mention the sale date until we asked. 

As of XX/XX/XXXX, it was made clear to me and the consultant. XXXXXXXX   never had intention to assist me with saving the home from foreclosure. Therefore, I am writing you for help. This Home does NOT have to go to foreclosure if given clear instruction for mortgage assistance.
Product: Credit reporting or other personal consumer reports

I tried logging into the TransUnion website ( as I have multiple times per year ) with the correct password and login information. Their site keeps throwing me an error and despite trying to get help from them, they do not have a phone number or email address I can utilize to reach out to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having problems with all three credit bureaus they keeping my credit score low they not adding the bills on correctly I paid all my bills on time I spent {$6000.00} clear up old debt I never went no higher than XXXX when it's time to boost they will disconnect my credit card from the account when adding the card back on the account the bill that supposed to get boost is add in with the others bills that was already add to the account so I get no boost points I call several times speak to the same person who always hang up in my face my score should have been XXXX by now please help stop the abuse from these credit bureaus especially Experian please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Nebraska XXXX XXXX needs to be deleted off my credit reports. It is 7 years old, it is settled and is still on my credit reports. I am trying to buy a home for myself and 3 children and need this deleted.
Product: Mortgage

Due to some complications we received from a previous lender, I decided to move forward with XXXX XXXX from Sunwest Mortgage as our new lender as he assured me that we would close on time and there would be no issues. On the day before closing at around XXXX, he decided to call me and tell me there was an issue and that I had to bring another $ XXXX to closing to get it fixed. As you can imagine, this threw me completely off guard because two days prior to closing everything was fine and Sunwest confirmed we were good to go. 

Due to this nonsense and the company 's evil practices, we had no choice but to ask the builder to delay closing to figure something out. The builder in turn, was not going to delay closing and were planning to charge {$250.00} per day for the extra time. This of course led to us having to cancel our contract because we did not have the extra funds, nor were we given any help in attempting to fix it. 

Sunwest Mortgage company has now cost me my deposit ( {$5000.00} ) and {$600.00} due to the appraisal I had to order because they were unable to switch it from the other company. I am now without a new house to move into and having to explain to my XXXX XXXX XXXX son that we must find an alternate location to live due to the incompetence of Sunwest mortgage.
Product: Credit card or prepaid card

Claimant IDXXXX ( to verify my unemployment claim ) Im contacting on behalf of Nevada unemployment ( DETR ) & nv prepaid Bank of America card. XX/XX/XXXX my account had XXXX $ deposited from DETR. By the time I went to go and get gas at the pump it stopped fueling at XXXX . And I was confused because I know I shouldve had money. Come to find out money was somehow taken out of my account at a XXXX XXXX on XXXX and XXXX XXXX of the sum of XXXX XXXX I reported that to Bank of America immediately and they told me theyll send out a new card. Which they did and I received it XX/XX/XXXX. When trying to activate the card the automated system told me it was closed. After hearing that I call Bank of America and they tell me I have to speak with my sponsor which is DETR. So I call DETR XX/XX/XXXX and the receptionist told me they have no idea whats going on have to call Bank of America its clear on our end. So I call back Bank of America they tell me to call DETR. I called DETR back and forth trying to get answers until finally XX/XX/XXXX I was told to send over my ID and social front and back to a specific email provided by DETR. Things start to seem great and after a few day on XXXX XXXX XX/XX/XXXX I got an callback from fraud department rep asking me identifying questions. She told me my account would be open by Monday XX/XX/XXXX. So I waited and Monday XX/XX/XXXX account was still locked so I called DETR fraud department and a representative told me if it is not open by midnight to call back the next day. So it didnt open and I of course called back and basically seems like the same thing started to happen, back and forth between DETR and Bank of America. So I keep calling & XX/XX/XXXX I get pending decision on my DETR claim. XX/XX/XXXX I get an email from DETR Fraud asking me to send in my documents again front and back. So I called DETR fraud XX/XX/XXXX and the receptionist tells me Im just waiting on a callback now, Im in the clear on my end. But Ive already got an callback XX/XX/XXXX so everything just going in circles now. Seen someone in XXXX post says they felt you helped them a lot in this situation. This has caused much stress and hardship on my family. No money for holidays, car payments rent, food. I have XXXX XXXX XXXX XXXX  daughters and its been very difficult and rough but hanging in there for my family. XXXX part is how Im still able to file weekly claims even though Ive missed almost 8 weeks of payments since all this have occurred.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to report that I have been a victim of fraudulent activity. Following thorough research on the process to rectify the situation, I discovered that it is necessary to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies ( CRAs ) are mandated to remove any items listed in an identity theft report, with reference number XXXX. Attached, please find documents supporting the removal of unauthorized accounts and inquiries from my credit report. The following items were opened without my consent : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX =========EQUIFAX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), I request the immediate removal of these accounts and inquiries associated with identity theft. Additionally, I request that necessary warnings be sent to all data furnishers.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan to pay off a loan and I happened to change jobs in the middle of the process. That kind of put me behind with making payments on time. After all that it when on my credit. So I gave up and just let things be.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX SSN : XXXX Can you please remove the extended fraud alert off of my account. I did not want this on my account in the first place. Please remove it off of my account and DO NOT re-add it. 

Thank you! 

See attached proof.
Product: Debt collection

This account was reported to my credit report years ago. I sent a letter of dispute to the creditor and asked for proof of the debt. I also sent a request to the collection agency Midland Funding for proof that I owed this debt. I have no knowledge of the debt and have never had a credit card through XXXX XXXX XXXX XXXX. Midland Funding continues to report past due payments on my credit report and it has affected me and prevented me from getting other sources of credit. XXXX XXXX has been sending me pre-approved letters and emails for credit cards. If Midland Funding records show this debt, why is XXXX XXXX XXXX  XXXX. ( the original creditor according to Midland Funding LLC ) sending me pre-approved credit card inquiries? I have attached one of those letters from XXXX XXXX XXXX The bank wants me to sign up for a credit card but their collection agency tells me I owe them money. Midland Funding is being fraudulent.They are trying to collect a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, Mi XXXX XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section XXXX Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX As proof of my identity, I have included copies of my VA entitlement, Social Security card, drivers license, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. I only ever had one credit card with XXXX XXXX and there was only ever one missed payment. XXXX XXXX is reporting it as two trade lines, and one with 3 total missed payments. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX