23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Dear Sir or Madam, Nationstar Mortgage LLC d/b/a Mr. Cooper, first presented me with a tax claim on XX/XX/XXXX based on " Parcel No. XXXX '' -- see attached " XXXXMortgage-Note ''. I have not seen nor received any notification from XXXX XXXX for any additional charges. I requested Mr. Cooper to provide an original copy of the stated charges from the relevant XXXX department but got no response. My follow-up inquiries at XXXX XXXX XXXX not show any such charge. 

The same " Parcel No. '' is repeated with a new claim with higher charges -- apparently with interest added ; see " Mr_cooper_Repeat_Claim ''. 

Have contacted XXXX Department of Financial Services but that department does not have the full regulatory authority for this case. To this day we have not received a response from Mr. Cooper. 

I seek 1 ) proof ( original copy from relevant XXXX department ) from Mr. Cooper of the claim, 2 ) if the claim is false, then dismissal of all " Parcel No. '' charges. 

Thanks. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was disclosed to a third party without my permissible purpose! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information XXXXThis Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Debt collection

AWA Collections is claiming that I have a debt with XXXX XXXX. I have requested several times that AWA would provide me with the evidence of this debt and that it is in fact mine. A copy of my driver license and a signed contract bearing my signature. Also an affidavit stating they are not the owners of this debt but authorized to collect on behalf of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} ; XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Equifax and XXXX  are report XXXX XXXX XXXX XXXX XXXX {$620.00} debt thats not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : PROFESSIONAL XXXX XXXX ) XXXX Balance : {$710.00} Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

My credit score was an XXXX plus but someone fraudulently opened up an XXXX credit card which reported to my credit report. Ive filed a police report as well as an FTC report. XXXX is violating many consumer laws. Mainly 1681 B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received dispute results for a XXXX  account. This account has been disputed multiple times since XX/XX/XXXX and continues to come back verified. I am requesting the methods used to verify this debt to ensure proper protocols are being followed. 

I've asked XXXX XXXX  for validation of debt however they could not provide me with any documents bearing my signature. Their response to my debt validation letter is attached. I've informed both EXPERIAN and XXXX  that this is a fraudulent account. They are using transaction history to validate the account. 

When speaking with a XX/XX/XXXXrepresentative I was informed that the account was opened online and used in cities places I'm not familiar with. I AM REQUESTING THE METHODS USED TO VERIFY THIS ACCOUNT AND A CONTRACT BEARING MY SIGNATURE TO SHOW I SIGNED FOR THE ACCOUNT. 

In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount # XXXX XXXX XXXX XXXX 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 an account without my written instructions.

I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX have not provided up to date credit reports OR scores for me since XX/XX/2023. 

The last known score received was from XX/XX/2023. 

They say they are to update reports and scores every 30 days ... .it has been almost 60 days with no update. 

They are also INTENTIONALLY withholding information that will IMPROVE my credit score. They state I can have more info if I pay for their credit monitoring or boosting " products '' or a price ( anywhere from {$29.00} to $ XXXX ) They are also INTENTIONALLY keeping my credit scores low, and reporting DIFFERENT SCORES to creditors than they report to me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may cons  titute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also h ave 2  account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.
Product: Credit reporting

I have XXXX negative marks against my credit from equifax credit reporting agency. XXXX is a public record from a company that closed and I never use before. I disputed and proved it was n't mines and XXXX and XXXX took it off immediately but equifax refuse to remove it even after its been proven it 's not mines. And a new collections just popped up only on my credit report that 's not mines and the refuse to provide me or equifax proof I owe it and equifax refuse to remove it off my credit report. Another company XXXX keeps saying I owe them with no proof of a signed contract. XXXX deletes it but equifax wo n't deleted at all even after proving I did n't owe the debt. Something has to be done. I 'm ready to sue equifax for damages.
Product: Credit reporting or other personal consumer reports

Request a copy of my credit report and accounts wasnt mine so I reached out to my bank and had them to freeze all my accounts until further review
Product: Debt collection

In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Theft Report in the attachments. 


NAME OF ACCOUNT : PHNX FINAN ACCOUNT NUMBER : XXXX I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 

Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed
Product: Credit reporting or other personal consumer reports

It is with mounting irritation that I must yet again bring to your attention the ongoing nightmare I am experiencing due to your ineptitude in resolving the following issue : XXXX XXXX This fraudulent account has remained on my credit report for an extended period, causing immeasurable damage to my financial standing and an insufferable amount of stress in my life. 
It is mind-boggling that despite this undeniable evidence, your bureau continues to display a shocking level of indifference, incompetence, and disregard for my rights as a consumer. I can no longer tolerate the blatant negligence and incompetence exhibited in handling this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$960.00} DEPTEDXXXX XXXX {$22000.00} XXXX   XXXX {$310.00} XXXX XXXX {$16000.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$210.00} XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$120.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX {$17000.00}
Product: Vehicle loan or lease

I purchased this car in 2017 and have paid all my payments on time and per my credit report it shows the amount of ONLY {$880.00} dollars paid!! This company is a fraud and they add additional fees at any given time! My information was falsified when I first did a loan with this company! I ask that this information be removed from my credit due to the recent action lawsuit! This company Henders me from getting a house or even refinancing because they have the rates on this loan extremely high! I do NOT want my information sold to another company as they have been doing with other information to get out of falsifying documents! I do not give them permission for that!!!! 


Under the settlement, Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. 

http : //santandermultistateagsettlement.com/Home/portalid/0
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
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

I recently received a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove accounts from my report immediately, they are hurting my ability to obtain credit
Product: Vehicle loan or lease

Formal Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States I am writing to formally lodge a complaint against XXXX XXXXXXXX XXXX XXXX XXXXXXXX regarding multiple issues I have encountered since purchasing my vehicle. 

My concerns are as follows : 1. Deceptive Sales Tactics Regarding Clear Coat : Upon purchasing the vehicle, I was informed that a {$1500.00} clear coat application was necessary for protection against environmental elements. I was told that this charge could not be removed from my contract, despite the dealership being able to do so. This misleading information and the imposition of the charge is completely unacceptable! 

2. Misrepresentation of Warranty Details : I was provided with inaccurate information about a secondary extended warranty coverage. {$2000.00}. The dealerships representations about the duration and scope of the warranty were not as described, and the vehicle already came with a certified pre-owned warranty for a year, which was clearly deceptively communicated to me. 

3. Failure to Provide a Physical Contract : Despite multiple requests, the dealership was reluctant to provide me with a physical copy of the contract. Obtaining this document was an unnecessary struggle.

4. Inadequate Service and Support : I have visited the dealership numerous times seeking assistance with these issues. On each visit, I either received no help from management or was told that the necessary personnel were unavailable.

5. Ineffective Customer Support : I have contacted customer support over 20 times, with my calls being transferred between various representatives who failed to assist me effectively. I was also promised callbacks from management and assurances that they would contact the dealership on my behalf and call me back to resolve any issues, but these promises were not fulfilled.

6. Failure to Honor Refund Promise : The dealership initially claimed they would remove unauthorized or deceptive extra charges and issue a refund. However, this promise has yet to be fulfilled. I have been waiting for months for the refund, or just any type of response/ resolution which has yet to be addressed.

7. Adverse Impact on Credit : The prolonged delay in receiving the refund and the ongoing issues have been very frustrating and have adversely affected my credit. The lack of resolution and support has significantly contributed to this problem.

Given these issues, I am requesting the CFPBs assistance in resolving this matter. I hope to find a resolution to the problems outlined and receive appropriate compensation for the discrepancies and lack of service I have experienced. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXXXXXX XXXX and XXXX BANK XXXX XXXX
Product: Money transfer, virtual currency, or money service

IRS deposited {$1200.00} stimulus check in Current.com account # XXXX RTN # XXXX in XX/XX/XXXX after I filed tax requirements since I didnt receive it earlier. I filed tax through Liberty tax services and IRS STILL lists it as pending in system. I was given a XXXX XXXX  card that the deposit was to be put on, but they did put {$1400.00} stimulus check on that card. I only got this info recently from IRS TAX ADVOCATE to assist in contacting for getting money returned to IRS or for them to provide access to the account. 

I have not had this account but according to TAX ADVOCATE ITs in my name. Ive called and left messages plus emailed requesting them to call me, but they refuse to contact me since I DO NOT HAVE THE SAME PHONE NUMBER AND/OR EMAIL ADDRESS they have on file for account. I cant talk to any body to get any info or help from the company CURRENT.COM. The IRS has already placed a trace on this deposit with no reply from them either. Ive also contacted XXXX Bank because I was told Current.com bank belongs to XXXX XXXX  at some point when trying to call thru operator answering phones. Current.com phone is XXXX. My IRS TAX ADVOCATE phone is XXXX she can be contacted for helpful info.
Product: Credit card

Someone obtained my credit card # fraudentally. I notified the bank and was told they cancelled the card and would remove the charges. However, they have not done this as charges keep appearing. When I call I am told I never reported the charges as fraud but it will be done. After 6 phone calls, each time being told 1. I never reported the fraud and 2. I never reported the charges as fraud, I am filing a complaint.
Product: Checking or savings account

When reviewing my account statement from Busey Bank in XXXX, IL, I noticed a {$15.00} service charge imposed on our account. We have a XXXXXXXX XXXX  account, and the terms of that account include a {$15.00} fee under certain circumstances. The description of when this fee is imposed is as follows, taken directly from the account disclosures available on Busey 's web site : " MINIMUM BALANCE REQUIREMENTS : The minimum balance required to avoid the {$15.00} maintenance fee per statement cycle is a combined balance of {$15000.00} daily in eligible accounts for the XXXX XXXX statement cycle. Eligible accounts include checking, savings, money market, certificate of deposit, IRA and the XXXXXXXX XXXX account. '' Because we typically maintain far more than {$15000.00} combined in the relevant accounts, I requested information on how Busey Bank determined that we had failed the {$15000.00} minimum balance requirement. I received the following information from XXXX, XXXX XXXX XXXX at Busey Bank, at XXXX a.m. on XX/XX/XXXX. I have removed account numbers for security purposes : " [ XXXX XXXXXXXX XXXX XXXX ] 's lowest day-end balance in that cycle was {$3900.00} on XX/XX/XXXX [ XXXX XXXX XXXX XXXX ] 's lowest day-end balance in that cycle was {$10000.00} on XXXX [ XXXX XXXX XXXX XXXX ] 's balance all month that cycle was {$720.00}. 
This totals {$14000.00}. '' I was astonished that they had determined we fell below the " combined balance of {$15000.00} daily '' by combining the lowest daily balances in the billing cycle on DIFFERENT DAYS, as opposed to calculating our combined DAILY balance, which is what their official policy refers to. So I reviewed our actual COMBINED DAILY BALANCES in our accounts on the days they specified in their information, and found that on XX/XX/XXXX, our combined balances in all relevant accounts was {$26000.00} on XX/XX/XXXX and {$43000.00} on XXXX. In fact, there was NO DAY during the relevant billing cycle in which our COMBINED DAILY BALANCE in all relevant accounts was less than {$15000.00}. What XXXX did was ignore the actual daily balances in our combined accounts, and instead combined the lowest balances in each account on DIFFERENT days to find that we had slipped below the {$15000.00} limit. This is NOT what their policy states. The policy refers to combined DAILY balances, not " combined lowest daily balance in each account on any particular day in the billing cycle ''. Accordingly, the implementation of their service fee is not in accordance with their stated policy, and therefore the policy is misleading.
Product: Credit reporting or other personal consumer reports

This account must be deleted. The status of this account has several misleading information by Wells Fargo and 2 Credit bureaus. As you can see by my attached credit reports and highlighted issues.

This information is NOT CORRECT & NOT ACCURATE.

Therefore it must be DELETED IMMEDIATELY This is a clear violation of the FCRA as this is not accurate or complete. I am writing to formally dispute the account listed by Wells Fargo and 2 credit bureaus. I have reviewed my records after receiving an updated report from XXXX. I never received anything from XXXX. Problem with the company 's investigation into an existing problem not verified correctly. According to the records I the consumer has disputed and has disagreed for some time now and nothing has been done to correct the matter. 
I provided a brief explanation of why I believe the debt is incorrect some reasons include : The amount was paid in full/never a charge off. I own the pink slip. 
all three credit bureaus are reporting different information. 
payments are showing unknown/never late so how could it be a charge off. 
account status derogatory and paid.

The account is beyond the statute of limitations ( 9yrs ) XXXX and XXXX are extending the years.

account closed showing different dates.

last payment made shows different dates.

not showing all the years paid since 2015.

Thank you for your prompt attention to this matter.
Product: Debt collection

Im currently paying this bill, yet Im still receive calls about it. Also, they are supposed to remove it from my credit file.