23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My complaint is against Equifax for reporting a negative tradeline from XXXX XXXX XXXX that is XXXX XXXX XXXX. They are in violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act because they are reporting derogatory information that is XXXX XXXX XXXX. By law they are required to remove this information. I am requesting they remove the negative marks they are reporting under my social security number, and regarding a {$2600.00} charge-off they say I owe, that is currently charged-off. Failure to do so will result in me seeking all legal remedies afforded to my under Federal and State Law. They will be required to defend themselves at a venue local to me. Upon receipt of this complaint I am requesting they remove the negative tradeline they are reporting to immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent nor initiate multiple hard inquiries listed on my credit report. The attached identity theft report includes names of companies that I did not consent inquiries for. Hard Inquiries identified as identity theft to include but not limit to the following : XXXX, XXXX ( Bank ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX ( Bank ), XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Mortgage

Nationstar Mortgage purchased my loan from my original mortgage company. I was sent information stating none of the terms of my loan could be changed. Nationstar refused to make payments from a volunteer escrow account that I had with my previous loan company. My homeowners insurance was canceled and I had to pay a portion of it to get it reinstated. I asked in XXXX of XXXX that my escrow account be removed from my mortgage statement. I paid my second qtr. taxes in XXXX XXXX and recently paid my 3rd qtr. taxes XXXX/XXXX/XXXX. Nationstar has been applying the principal and interest payments I have been sending to everything except my principal and interest. I was told in XXXX by a representative of Nationstar that my bill would be corrected and it would be reflected in my XXXX bill. Although my taxes are paid and all my principal and interest payments have been made to Nationstar, I received a threatening letter from Nationstar. And, now that they have sent a threatening letter, it is nearly impossible to get a representative on the phone. After a barrage of calls from Nationstar, and my attempt to contact them, I get a voicemail answering service for the first time ever. It appears Nationstar is attempting to ruin my credit in the process of trying to force me to send my taxes and insurance to them. They have added fees and requirements that were not part of my original loan terms. Once they were notified I was going to refinance my loan I received mailings and calls in an effort to get me to refinance with Nationstar. I have refused based on loan rates and since then Nationstar has attempted to bully me through coercive actions..
Product: Mortgage

In the Mail I received a notice that I had requested a loss mitigation workout system. I did not want that I want them to stop charging additional fees and cost. I have not ask or requested modification of this loan.
Product: Mortgage

To whom it may concern : After several years I am finally able to refinance my mortgage. In requesting my payoff there was a " corporate fee '' /escrow fee added to my outstanding mortgage balance of {$11000.00} that according to the current loan servicer XXXX XXXX was transferred from Selene Finance XXXX XXXX/XXXX/2011. 
I recall I used to pay my own property taxes and insurance directly, when my original loan originator XXXX XXXX sold my servicing to Selene they began to impound my property taxes and insurance. There was an arraignment of escrow payment to cover the amount that was paid out by Selene. 
I want a complete breakdown of items that derived this " corporate/escrow '' of {$11000.00} balance that was transferred to XXXX XXXX. I have no recollection as to how this substantial amount was derived. This is a substantial amount of outstanding fees. It has been very frustrating trying to identify where or how they were accrued. I would appreciate all your assistance in providing proof of how this amount was accrued, thank you. 
How do these small mortgage servicing company 's get away with adding such large amounts to outstanding mortgage balances without informing the borrowers. We are extremely upset that our outstanding loan balance is {$11000.00} more than we had anticipated, our new payment is affected etc. Very frustrating trying to track down the disconnect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Attorney General of Maryland I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

i put my car up for sale on XXXX, then a gentleman ( scammer ) by the name of XXXX XXXX XXXX messaged me aout the car. then he sends me a check that turned out to be fictitious/altered but before i knew it was a fake check he sends me a check for XXXX and then have what i was selling the car for minus the check remaining XXXX dollars to be sent XXXX XXXX and XXXX XXXX XXXX then found out about a week or so later that check was fake but he sent me another check saying that " there was an issue on my ( scammer ) s  end ). Then both money services rejected money transfers after about a day or two and said that something went wrong and i was refunded, and the buyer knew that it didnt go through since his car transporters were not able to get the money. then the buyer has me send it through XXXX, gift cards ( which i did send cause he claimed it was to pay the transporters to come down to pick the car up ) wire transfer. got really worried once i started seeing that he wanted me to send it to different names. i have all text messages regarding the sale along with pictures of the checks, transfers, gift cards and where the gift cards were used, and and other names used ( some with bank account numbers with bank address, XXXX transfer email, that were used in this false sale and now my bank locked me out of my account til i pay this XXXX which current amount left to pay is XXXX the bank was not able to cancel or stop anything except the second check that was deposited. again i have all info on my phone
Product: Credit reporting or other personal consumer reports

I have unauthorized, misinformation reported or unverified accounts on my consumer report. Please physically verify all dates, amounts, balances, calculations and accounting records. I have no knowledge of how the misinformation is on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote in to CFPB on XX/XX/2020 about a issue on my Equifax credit report. I told this company that I had a debt that was reinserted or never removed even though the updated report stated that it was removed. Equifax wrote back to CFPB on XXXX XXXX saying that they mailed me a update but nothing was updated. As of today this debt is still appearing on my report and if an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. When you receive the notice, you will have to go through the same process to contest the mark as you did the first time. When you contest the reinsertion, you may want to include paperwork showing that the mark was previously contested, and removed. I did not receive any kind of notice from Equifax about this reinsertion. Negative mark is confirmed, I did not get no response, They have violated the FCRA. Neither the creditor nor the CRA can argue that they incorrectly deleted the item the first time, or that the mark was removed in error ; if it was removed pursuant to your prior letter informing the CRA that the mark is inaccurate, it can not be reinserted for any reason.
Product: Credit reporting or other personal consumer reports

Inquiry is not authorized by me. This must be removed from my credit report.
Product: Mortgage

When I purchased this home I asked and was told that it did not have Termites and that it had passed termite inspection. I later found out that it had termites and the mortgage company included an old termite inspection document in the paper work and did not have one conducted for my benefit before I purchased this house. It has termites and it has them really bad!
Product: Mortgage

I have a XXXX home loan and My loan is with XXXX a sub mortgage company for Village Capital and Investment. I used the XXXX XXXX XXXX from XXXX of XXXX until XX/XX/XXXX. In XX/XX/XXXX I received a letter from XXXX in regards to Post Forbearance Options. I called and spoke with XXXX and he explained that XXXX accepts verbal agreements, so I agreed on the option of Disaster Extend Modification. XXXX also explained that after I pay XXXX " trial payments '' I will be out of my forbearance and into my modification. Today, after making full mortgage payments for 6 months in XXXX Dovenmuehle is telling me I can not the Disaster Extend Modification but instead a VA Disaster Modification which is explained in their document as a modification, " if you can not resume making the full contractual mortgage payment ... '' ( please see attached ). XXXX is insisting I accept the VA Disaster Modification, described as " If you can not resume making the full contractual mortgage payment you may receive a modification that changes your payment terms '' if I accept this modification it will not be truthful because I have made my mortgage payments for the last 6 months. In XX/XX/XXXX I have called XXXX several times, messaged them on XXXX, called the VA hotline and spoke with XXXX XXXX in regards to my mortgage, and spoke to someone with answers but still, the Dovenmuehle employees who call me have no authority to make decisions or have no understanding of the VA Loan Modification Options. I send an email to them requesting a modification plan and the only option they have for me is a plan that is described for people who can not make their mortgage payment and that is not me. They told me I have to call Village Capital Investments to talk to a manager and when I spoke with XXXX, she explained she can not make any decisions because my loan is with XXXX not them. The last week of XX/XX/XXXX, I spoke with XXXX, XXXX XXXX, and XXXX, and all of these employees could not assist me with ending my forbearance and explaining my modification options. They are telling me Village Capital Investment is refusing to modify my loan and is not giving me any options. I do not know who owns my loan because none of these companies are claiming my loan. 

Modifications options are not the only issue I am having with XXXX. They continually give me incorrect information. I have been told by several associates that my account will move to Village Capital Investment, and they have no explanation of why. Also, I am a 100 % XXXX veteran and XXXX pays my home tax and they still have not modified my loan.
Product: Credit card or prepaid card

Some use my credit cards without my permission and made charges. I agreed to pay what I charge and the company agreed to remove all negative information for my credit report.But after paying the accounts. The company didnt keep its agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has made several attempts to remove incorrect information that the account is not owed. XXXX XXXX refuse to remove the debt is still owed and also show account as charge off. XXXX XXXX has cause severe damage to my credit report as I was not able to get another loan in order finance a nother vehicle. As of XXXX XXXX XXXX XXXX is still reporting the same information to my credit report. On or around XXXX XXXX, XXXX I sent XXXX XXXX by Priroity Mail # XXXX XXXX XXXX XXXX and received on XXXX XXXX, XXXX to settel the matter XXXX XXXX XXXX did not reply to me, attach to is a copy of pay off of car loan sense XX/XX/XXXX. See Attachment
Product: Checking or savings account

XXXX, I submitted a claim with Jp Chase Morgan Bank. It was an XXXX purchase of {$600.00}. returned this product an have yet to receive my funds back onto the account. Not only is it that transactions but its multiple. Those disputes cases are for XXXXXXXX XXXX XXXX XXXX {$600.00}. The reference number is # XXXX, for the Mulitple transactions- {$200.00} the reference number is XXXX, For the XXXXXXXX XXXX XXXX XXXX the r4eference number is # XXXX and the XXXX XXXX sent money - {$200.00} reference number is # XXXX
Product: Debt collection

I don't have any doubt, so I don't know why I receive a letter that a have to paid a doubt.
Product: Credit card

In XX/XX/2023 I file Fraud Claim. After speaking with the Fraud Dept. I realized the charge was valid and remitted payment for the charge, Barclay 's agreed to credit all late fees and interest charged as a result which would bring my account current. After several calls over the next two months to clear the interest and late fees charged, I called to inform Barclay 's I would not be using their card during XXXX because of the lack of customer service in relation to the interest and late fee. I was told that the charges would be cleared and in appreciation of my patience a offer of interest rate of 3.99 % for all charges through XXXX. After paying the full balance of purchase made. I continued to be charged a minimum interest which when not compounds a late fee. Over and Over this occurred. What I tried to explain is that the information on my bill states : " you can avoid interest paying interest if you pay your purchases subject to interest in full by the due date. ' This is standard, However, there appears to be a glitch in Barclays system where interest continues to accrue after the due date ( and a minimum interest charge as well ). Therefore, charges mount up continuously. I have taken 10 hours of my time and filed an official claim with Barclay 's to no avail. Now I wonder how many other people just pay and do not notice the excessive charges. 

I would to know that will be investigated. So that no one else is experiencing the difficultty I have endured.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry that is fraudulent and I would like to have it removed from my credit report. The date on the inquiry is XXXX and it is from JPMCB Auto.
Product: Mortgage

On XX/XX/XXXX, XXXXennyMac Loan Services pre-approved me for a fixed-rate 30-year conventional loan for $ XXXX.On XX/XX/XXXX, the Sellers accepted my offer of $ XXXX to purchase their single-family home listed for {$590000.00}, which was built in XXXX. 

The Home Inspection was performed on XX/XX/XXXX, and the Home Appraisal was completed on or about XX/XX/XXXX. The Closing Date is XX/XX/XXXX. 

The issue I'm encountering is with the completed home appraisal. According to my lender, the appraisal management company, XXXX, is not releasing the appraisal stating they are pending revision from the appraiser and are not giving my lender any additional information or reason. This has been ongoing since XX/XX/XXXX. According to the lender, XXXX continually states the same reason, an incomplete appraisal. My agent assures me that he has never encountered a home appraisal taking this long to be submitted. 

It is now three weeks post-appraisal, and I am getting anxious that I may not be able to close on time and potentially lose the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( Experian, XXXX XXXX XXXX XXXX. Consistency across bureaus is essential for accurate reporting. 

XXXX. **Date Reported : ** The date reported is different for XXXX compared to the other bureaus, which could affect the interpretation of the information and might need clarification or correction. 

XXXX. **Account Rating and Description : ** While two bureaus report the account as " Paid, '' one bureau lists it as " Derogatory. '' Ensuring consistency in the account rating across all bureaus is crucial. 

XXXX. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and account status, especially with remarks like " Account has been closed due to inactivity '' and " Payment after charge off/collection. '' 5. **Creditor Remarks : ** The remarks provided by the creditors vary across the bureaus. They should accurately reflect the actual status of the account for consistency and clarity. 

XXXX. **Payment History : ** There are different late statuses ( 30, 60, 90 days ) reported across the bureaus for specific months. Consistency in reporting these late statuses is essential. 

XXXX. **Credit Limit : ** While the credit limit is reported consistently across all bureaus, it's mentioned in the remarks for one bureau, which might cause confusion. 

XXXX. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies, it might be necessary to dispute these entries for correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting information that LexisNexis shared with my insurance underwriter is incorrect. They have listed false information for example number of accounts 30 days past due, the number of open bank accounts, number accounts. I am trying to contact them to dispute but they offer no customer service. No way to get this matter fixed.
Product: Credit card or prepaid card

I have a credit card originally issued by US Bank. About a year ago this card was switched from US Bank to XXXX XXXX. Recently, I tried to make three payments to this credit card from my checking account at Liberty Bank. Liberty Bank had recently changed/upgraded their bill payment system. The result was the payments were sent by check, each made out to XXXX XXXX but sent to a US Bank address. US Bank has deposited each the three checks. 

Check 1 - Check number XXXX, Dated XX/XX/23, Amount {$5700.00} Check 2 - Check number XXXX, Dated XX/XX/23, Amount {$5700.00} Check 3 - Check number XXXX, Dated XX/XX/23, Amount {$500.00} Each of the three checks has cleared. Images of the backs of the checks show they were deposited into a US Bank account. I have contacted each of the three banks and none have been able or willing to help me. I will upload the front and back images of the checks.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my ChexSystems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Closure Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Closure Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my ChexSystems Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding my communication regarding my identity theft case. As a victim of identity theft, I requested your assistance in the following matters : 1. Closure of the unauthorized account.

2. Removal of any charges associated with this unauthorized account.

3. Steps taken to eliminate this information from my credit files XXXX XXXX XXXX XXXX, LA XXXX Is inaccurate information CORRECT ADDRESS - XXXX XXXX XXXX XXXX La XXXX ( ONE & ONLY ADDRESS THAT SHOULD BE ON MY REPORT ) XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX inaccurate information CORRECT ADDRESS - XXXX XXXX XXXX XXXX La XXXX ( XXXX & ONLY ADDRESS THAT SHOULD BE ON MY REPORT ) XXXX XXXX XXXX Is inaccurate information ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX XXXX Is inaccurate information ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX XXXX Is inaccurate information ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX Is inaccurate information ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX HUNGER Is inaccurate information ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX Is inaccurate information ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT )
Product: Credit card or prepaid card

DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX CREDIT CARD ACCOUNT WAS OPENED ON FRAUD, I HAVE ALREADY SENT DOCUMENTS TO CREDIT AGENCIES XXXX, XXXX AND XXXX, THEY HAVE CONFIRMED DISCOVER HAS RECEIVED THE DOCUMENTS AND CONCLUDED ACCOUNT IS CLOSED. YET I AM RECEIVING CALLS FROM DISCOVER ABOUT INVESTIGATION, PLEASE CLOSE THE FRAUD ACCOUNT THIS WAS OPENED BY MY ROOMMATE " XXXX XXXX ''