23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am completely shock of all the fraudulent claims Nationstar has come up in order to denied my loan. I have provided the same income as the previous review and I was provided a trial payment and now that I was forced to re-applied in order to safe my home, Nationstar refuses to approved me for a modification. Based under the guidelines my loan does qualify for the Hamp Tier 2. On the previous review nationstar offer me the Hamp Tier1 and on the final documents they switched the terms to the Clarity commitment modificaion. After I question them on why my modification was been combine with the Clarity commitment, Nationstar did have an explanation. This was not acceptable because under the Clarity commitment I know I should be offer some principle forgiveness based under the national settlement against Nationstar. At this point I have tried to work with Nationstar numerals times and they have switch my income in order to denied my loan, after many applications now they are stating I dont have enough for an affordable mortgage payment. When clearly I have the same income from the previous review and I was offer a trial, why is this any different. I have attached supportive documents to make sure Nationstar stops prolonging my loan. My intentions are to keep my house please help me my home is severely under water. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened numerous complaints with this agency only to see them " CLOSED and FILED '' upon receipt of a response be it inaccurate, incorrect or outright lies. Currently my wife are undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. A review today of my " protection ''    MYID.com -p laced by the  HR Department of the United States Government indicates the reports still reflect incorrect information and wrong information has not been corrected. I have filed with the CFBP Ombudsman and Vice Presidents office for  help but to date nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested monthly cell phone service from XXXX. During the eight months I had service with XXXX, the monthly charges were not consistent and too expensive for me. After eight months I terminated service with XXXX. Subsequent to this termination, XXXX claimed I had a yearly contract with them. 
Two bank investigations and two separate collection agency investigations determined that I did not owe XXXX for a yearly contract. 
Experian has included this billing of {$350.00} on my credit report and did not provide me with any information after I filed my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts on my credit have been opened fraudulently, be made a dispute with credit bureau and notified them of this action and I was told that information was accurate and stays, I do t think they have done their job on fully investigating these claims, Ive never opened these accounts, and they are not mines, Ive sent my Driver license, Ftc Report fraud report and also contacted them and told them the issue. If properly investigated this account wouldve been removed off my credit but it is against the law to claim and action was done and nothing really was solved or done. 

XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX Account number XXXX XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX XXXX Account number # XXXX, this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Ad astra recovy serv and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Product: Debt collection

To whom it may Concern, Dear Sir/ Ma, I am writing to formally dispute the accuracy of a collection account listed on my credit report. 
LVNV FUNDING LLC is claiming i opened an account with them on or around XX/XX/year> without my knowledge. I HAVE NEVER TRANSACTED ANY BUSINESS WITH LVNV FUNDING OR RESURGENT CAPITAL SERVICES. 

Under the FDCPA, it is illegal for a debt collector to use any false, misleading, or deceptive means to collect a debt. LVNV FUNDING LLC has placed a collection on my credit report without proper validation and without giving me the chance to dispute the debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ), constitute a violation of these provisions. 

IT WAS ALSO STATED ON MY CREDIT REPORT THAT I WAS IN GOOD STANDING WITH THEM AS AT XXXX AND XX/XX/year>. AGAIN, I HAVE NEVER TRANSACTED ANY BUSINESS WITH THIS SAID ORGANISATION.
Product: Credit reporting or other personal consumer reports

I ask to delete a charge off that was on my credit reports for near 7 years. But I paid XXXX credit card two years ago in XXXX. It was deleted from XXXX but only updated to XXXX now but did not delete it. When my letter stated two years ago that if they cashed my check that it would be deleted from credit reports. They cashed check but never took them off reports. I disputed it and was taken off XXXX but updated it for Equifax and XXXX. So I ask to take it off all reports of my credit reports. Has it very unfair to stay on my credit reports since it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Mortgage

Over a year ago due to personal circumstances my mortgage fell behind two or three payments. When speaking with the Nationstar collection representative they promised to take all outstanding late fees and penalties off my account if I brought the mortgage current with one payment for the balance outstanding. I made the payment and was told the adjustment for removing the outstanding late fees would appear on my mortgage statement in approximately 60 days. Months passed, the adjustment never occurred. I have called numerous times, waited on hold for extended periods, been promised someone would investigate and follow up with me. Nobody has ever followed up, nobody gives a satisfactory response and when I ask to speak with a supervisor I get put on hold for so long that I eventually have to just hand up and try another day. The only response I get to my inquiry is that the credit collection person should n't have promised to waive the late fees. That is an unsatisfactory response. The collection agent did promise to waive the fees if the mortgage was brought current, which it was, and Nationstar should be held accountable for honoring the commitments their representatives make when attempting to collect a debt.
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 XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. XXXX published potentially negative major derogatory information on my credit report. 
In XX/XX/XXXX I contacted them and requested a copy of the complete original agreement I completed in my own handwriting at the time of purchase. This information would include, my name, ADDRESS, telephone number, social security number. 
They responded by sending me a computer generated pricing addendum, credit card agreement and statements all with an ADDRESS that I had not lived at for five years. 
I NEVER RECEIVED THEIR BILLING. 
I called them repeatedly and rewquested what I am requesting now and even spoke to them on the telephone several times and they refused my request. 
I even told them several times that I had sold that house in XX/XX/XXXX and that the county Resgistrar of Deeds can verify that fact. 
I also stated that I had been using my Post Office Box for my address since XX/XX/XXXX. 
Can you please assist me in obtaining the original handwritten document I completed at the time of my purchase in XX/XX/XXXX. Thank you for your time and courtesy.
Product: Debt collection

On XX/XX/2018 I receive a phone call from XXXX @ approximately XXXX XXXX  eastern time I was misled collector refused to identify the company. I ask who was calling the collector refused to  answer he just kept asking me to verify my last 4 numbers of my social so I refused. I ask what was the call pertaining to, his reply just verify the last 4 numbers to your social, I refused to answer once again he took me out of character that I started cursing at him and he hung. I wasn't even read the mini Miranda that they so call suppose to do when a debtor answers.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that certain accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are the result of unauthorized activity and should not appear on my credit report. 
The following accounts should be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$560.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXXXXXX XXXX  Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I called XX/XX/2022 and XX/XX/2022 to remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Debt collection

Company Midland funding entered a agreement with mediating of judge both agreed and I payed in XX/XX/XXXXXXXX  in XX/XX/XXXXXXXX  I check my credit and same company is trying to collect on same debt I called and Midland is claiming that this new dept. from XXXX  and reported in XXXX False False
Product: Credit reporting, credit repair services, or other personal consumer reports

During my XXXX divorce, I was left with an XXXX balance on a XXXX credit card and no way to make the payments. XXXX reached out with a settlement offer about the same time as I was considering bankruptcy. I consulted with XXXX XXXX of XXXX XXXX about what would be the better option for my credit report. My plan was to obtain a mortgage and purchase a property to flip and start to support myself, so I wanted to impact my credit the least amount possible. Mr XXXX drafted a letter to accompany my check requiring XXXX to agree to delete all negative reporting info in exchange for cashing the check .... or that they needed to return it. The letter was XXXX clear. It was sent and even cashed by XXXX before the deadline they gave me. 8 months later, XXXX is still reporting it as a charge off and settled for less than amount owed. Clearly negative info. They have been contacted several times by both Mr XXXX and myself, but they decline to return the calls. Mr XXXX has drafted FIVE letters over the last 8 months to each of the 3 credit reporting agencies and enclosing copies of the same items for them to review. All we get in return is a form letter saying the info has been verified as accurate. Clearly providing them proof of the agreement isnt helping. I have lost out on several different properties due to the impact this item is having on my score. It is the only negative mark and causing me to be offered a rate 2x the regular one. The letter clearly stated that by cashing the check, they agreed to the terms and that if they did not, the deal was not ok with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXXXXXX XXXX XXXX XXXX  loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit card or prepaid card

Someone obtained a credit card on my behalf and used it. I have never visited this store and was not even aware about this bank. I reported dispute with the credit bureaus and with the credit issuer as well. Also I had filed a police complaint about this. Credit issuer has closed their investigation and are saying it is a card account opened by me. I never received this credit card, and I had never applied for it. Police complained was filed by me on XX/XX/XXXX with case number XXXX with XXXX  XXXX police. Dispute amount is {$2500.00}. Someone also tried to open other credit cards too with my information like XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Fortunately those credit applications were not approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was notified through XXXX  that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX. 

I contacted BMO harris Consumer Reporting Department. 
They confirmed all payments are up to date and on time. The chargeoff reflects 90 days past due payments. Which I have proof of timely made payments. 

Bmo harris said they will do some research and get back in contact.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

CLOSED ACCOUNT : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : 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  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX Balance Owed : {$95.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1000.00} ; XXXX / XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes Ive made a phone call and correct it addresses that werent valid and gave correct address correct spelling and proof of my name and my identity have asked to remove hard inquiries and disputed several accounts and asked for removal of those accounts and student loans and yet nothing has happened
Product: Student loan

I attempted to contact a loan provider in regards to a loan towards the end of XXXX. I was given a number of the bank branch to call and was not able to get in contact with them. A month after initial contact I got a letter in the mail from collections. I called and left a message and I did not receive a call back. I recently started a new job from being a XXXX to an XXXX at XXXX XXXX and XXXX. On my second week on the job XXXX XXXX from Stillman and Associates called my job and upon receiving the call I notified and requested he never call my job and gave him my cellphone. Today XXXX/XXXX/XXXX I got back from my lunch and my supervisor informed me that a XXXX called and aggressively asked for me by name after I explicitly told him not to. He then called my cellphone I believe and continued to try and bargain with my loan. When I informed him I am in a tough situation he began to say my co-signer has the assets and if I could n't pay it, he would then go to him to collect.
Product: Debt collection

account has been removed from XXXX  & XXXX XXXX still showing need to have removed
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the 3 credit bureaus ( XXXX, XXXX, and TransUnion ) were not reporting accurate information. The late payments reflected on my accounts between the dates XX/XX/XXXX and XX/XX/XXXX were incorrect recordings of missed payments during the loan forbearance period. I have since paid my XXXX XXXX account off and is now closed. Enclosed I have copies of the 3 credit bureaus inaccurately reporting late payments during that XXXX global pandemic found on my credit report. Please investigate this matter and contact the nationwide credit bureaus to have them remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX  XXXX XX/XX/XXXX {$370.00} XXXX  XX/XX/XXXX {$300.00} XXXX XXXX XXXX  XX/XX/XXXX {$900.00} INQUIRIES XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX