23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2018, my wife and I checked our online mortgage account with Mr. Cooper, aka Nationstar Mortgage LLC. We went to our account profile page and were shocked to see that the recipient listed to receive our account information was the attorney for the opposing party in a lawsuit we filed over a construction dispute and lien action ( " Opposing Counsel '' ). The last person in the world who should be receiving our confidential financial information that is a critical aspect of our law suit is Opposing Counsel. This is akin to giving the fox the keys to the Hen House ( ironically, Nationstar had previously locked me out of my own account due to pending legal proceedings ). My wife and I immediately spoke with a Nationstar representative and told her how Nationstar had shared our sensitive information with Opposing Counsel. The representative 's first words were " oh my XXXX. '' That was the appropriate response to Nationstar 's unconscionable breach of our privacy. First thing Monday morning, we contacted our attorney, who informed us Nationstar 's conduct exposed them to potential civil and criminal liability. Our attorney confirmed that Nationstar actually mailed Opposing Counsel our XXXX mortgage statement and he had received it. It gets worse. Nationstar is a named party in a related law suit. They have been working closely with Opposing Counsel against our interests. The fact Nationstar unilaterally changed our recipient information to Opposing Counsel just when critical motions were being heard by the court is no coincidence. Our confidential information was kryptonite to us and the success of our law suit. Nationstar knew this. Their actions are beyond disreputable and merit the most severe civil and criminal sanctions possible. We are tied up with our current law suit and need the CFPB to champion our cause in this matter. To date, Nationstar and their counsel have refused to offer any reasonable explanation for their unconscionable actions.
Product: Credit card or prepaid card

On XX/XX/XXXX I had two CITI Credit Card accounts in my name. The first CITI account had a ( XXXX ) credit balance and therefore no payment was due.The second CITI account had a Balance due of $! XXXX which was due on XX/XX/XXXX. We paid on XX/XX/XXXX by Electronic check from our account at XXXX XXXX {$1500.00} but this payment was sent to the account that had a credit of ( XXXX ) so the credit increased to ( XXXX ) and the second account only received an automatic {$35.00} payment. When we noticed that we had a big problem. We contacted CITI since they had the money to please transfer to the correct account. CITI refused to transfer the ( -! XXXX ) to the bill due at their credit card account supposedly since they sent the money to XXXX according to their letter. Also please note That was our money not the Banks. XXXX shows no such credit to our account. 
When we contacted CITI they state that this account was transferred to XXXX XXXX we sent them a fax with a copy of everything on XX/XX/XXXX and have no reply.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I contacted Equifax via phone and US mail to tell them about an account on my credit report that did not belong to me. I was told that my confidential information was leaked during their data breach and that account was a result of identity theft. I have sent Equifax my letters with an FTC report documenting the data breach and fraudulent account and they have not done anything to help me. They keep telling me its verified but thats all, no proof provided at all. i know for a fact that account is not mine because i did not recieve any goods or services from that creditor and the creation of that account was not authorized by me. This inaccurate account is detrimental to my credit health and make my finances take a toll for me and my family. Doing further research I learned that there are FCRA laws in place to protect consumers from inaccurate reporting and XXXX is doing that, breaking the law! FCRA 605B ( 15 U.S.C. 1681c-2 ), FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting, FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts, Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I KNOW THAT I HAVE GROUNDS FOR A LAWSUIT BUT WOULD LIKE TO AVOID THAT LENGTHY PROCESS!! I beg you to please remove this inaccurate account!
Product: Debt collection

Diversified ADJ has wrongfully inserted derogatory information into my credit profile. 

Derogatory data includes a collection amount of {$890.00}. I have requested a copy of the original contract to be provided to me with my signature. To assist in verifying the claimed debt. The above-mentioned company has failed to provide requested information and continues to report inaccurate information into my credit profile.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account below : CAPITAL ONE BANK USA XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00}
Product: Debt collection

Debt contested in writing received by SLS on XX/XX/20. Never validated date. Did acknowledge receipt of written dispute in writing stating they were reviewing the case ) see included documents ). Since the time the debt was disputed in writing SLS has called and written hundreds of times. Eventually I had to block the phone number. They were informed that both my wife and I are XXXX and under the care of several XXXX MDs and that we are in an extremely XXXX  state. Instead of respecting a protected class, they harassed and abused us constantly while never validating the debt. The communications received from SLS from day one have been contradictory to other communications. Instead of validating the debt, they told me via email 65 ( maybe a slight exaggeration ) that the account was approved for forebearance - something I never asked for as I do not owe this money AND SLS has violated every law and regulation protecting consumers from unscrupulous actors taking illegal and actionable steps. Yesterday they decided to place a 150 day late mark on my XXXX  account causing a drop of XXXX points. Per my XXXX credit monitoring and scoring, all my scores were above 800 before this happened. All my debts are paid, most long before they are due including all mortgages, credit cards - except my wifes that Im a signer on but do not know about whether shes making payments in full or not. Ive worked extraordinarily hard to build up my credit after suffering a Great Recession business ownership driven personal bankruptcy. Theyve sent via various methods, hundreds of contacts since the debt was disputed in writing and acknowledged in writing by SLS. But not one of those contacts was them validating the date. Happy to provide additional detail as required but my physical limitations resulting from wrong level XXXX in my XXXX XXXX ( XXXX XXXX  planned, XXXX and a half ) cause XXXX XXXX XXXX which in turn quite strong XXXX XXXX and other meds with a host of horrible side effects including an inability to XXXX for more than ten minutes or so say a time. Ive reached that point and fear theres still more to go to finish the complaint. Please dont hesitate to contact me for any additional info needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation to Credit Acceptance and to all Credit reporting companies regarding the issue. 
I paid off my vehicle in full on XX/XX/2021 at which payments or due on the XXXX of each month and I received a letter confirming that the loan was paid off in full which was dated XX/XX/2021. However this company reports that my payment made in XXXX was late which it was not. I have contacted the credit bureaus and received no resolution even after providing copies of bank payment, contract with company, payment confirmation and closed account letter indicating that the payoff was made in time on time well before the due date.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX got a loan for XXXX from Makwa Finance they have been taking XXXX out of my account for 13 weeks on the 14th week I paid them {$500.00}, it seemed to me that it was difficult to pay it off in time. On the XXXX of XXXX I owed Makwa Finance {$1700.00}, so I took a loan out from XXXX XXXX for {$2000.00} to pay off a loan at Makwa Finance. XXXX XXXX sent the check out on XXXX of XXXX made it to Makwa Finance on XXXX XXXX, I called to make sure they had got the check they told me that they had received the check that they were not going to process the check for up to 2-3 weeks. And they stated that they were going to still charge my card for {$190.00} until they processed my check. I went to my bank and put a stop payment on my funds and called XXXX XXXX  to put a stop payment on my check. I had to call XXXX XXXX  to get authorization for a cash advance for {$2200.00}, at the same time asked the representative to stay on the phone with me while I paid off the remaining balance On XXXX XXXX XXXX, I paid Makwa Finance {$1800.00} they sent me an email that my account was paid in full. but on XXXX  the XXXX they sent me an email stating that I owe them more than what I had paid. And they threatened to keep charging me interest and also reporting it to my creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

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

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$7300.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Checking or savings account

On XX/XX/20 I called my bank to dispute a charge from a buy here pay here transaction that took place on XX/XX/20 since I had returned the vehicle after the dealer refused to reach out and help me. I ended up involving the Attorney Generals Office and the DMV Inspectors office about this issue and have also had the chance to submit my evidence. Besides the day I called my bank to dispute the transactions and to periodically ask for updates my bank never called to ask for my evidence and took it to arbitration without ny knowledge or calling me for my evidence so I ended up losing my {$1800.00} deposit and the {$72.00} fee for using my card. I have since contacted the Attorney General the FTC and theXX/XX/XXXX and an Attorney and the Bond Company of the auto dealer to submit my evidence. I have tried several times to advise the bank I want to file a formal complaint and I keep getting emails asking to to reach out with questions and there is nothing more they can do. I am asking to file a formal complaint and for any other help or resources I can contact to prevent anyone else from dealing with this issue and to maybe to help any previous citozrns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2021. It is 60 days later and I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, in which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX IN XX/XX/year>XXXX XXXX XXXX XXXX / XXXX XX/XX/year> want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 168 In ( b ) - Civil liability for willful non-compliance 6. 7.

8. 9. 10.

Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) Method of verification Violations under 15 USC 1681 a ( 4 ) right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue.

Your prompt attention to this matter is greatly appreciated.
Product: Vehicle loan or lease

I have a loan the American Credit Acceptance. They charged me a considerable interest rate on top of my loan. Now I cant trade the car in because the interest rate is tacked on to my car loan. Nobody will get me out the loan. Im a XXXX veteran who is on a fixed income who needs a bigger car due to my child living with me.
Product: Debt collection

Global Receivables Solutions acquired a medical debt I had from a local hospital. Once learning that there was an outstanding debt I told the representative I would take care of it by contacting the original debtor ( XXXX ). He informed me I could n't do that and could only work with his company to resolve the issue. I advised him that I did n't know who he was and if the hospital said I needed to pay Global Receivables Solutions directly then I would do that. I asked that they stop calling me. I have received calls every weekday since and ask them every time to stop calling. They continue to call everyday.
Product: Debt collection

I have a second mortgage loan that was charged off in XX/XX/2009 in the amount of {$29000.00}. At the onset the loan was owned by Chase Mortgage whom I modified the loan with. Due to the charge off portion of the loan, Chase maintains a lien on the property. I contacted Chase to settle the debt through the sale of the property. Chase informs me that they have sent the loan to XXXX XXXX XXXX company who now tells me that they have sent the loan to XXXX XXXX XXXX for servicing. XXXX informs me that the debt is now {$45000.00} to settle. There has been n o explanation of any escalation in charges and the companies are now blocking the sale of the property to see my bank records, tax statements ect. I am trying to settle the debt in full and need to see the escalation in charges and neither of the companies are cooperating. Even attempting to settle at the inflated amount, the companies are not cooperating without wanting to see all of my personal information. Neither company has validated the debt after I sent letters to each of them requesting a validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX on XX/XX/2022 by telephone ( XXXX ) I was unable to speak with any live person. I then mailed a letter on XX/XX/2022 with an FTC Identity Theft Report attached stating that I was a victim of Identity Theft and asked the company to please delete the following inquiries because they are violating The Fair Credit Reporting Act block of information section. 15USC 1681C-2 which states these inquiries must be deleted within 4 days of receipt of my identity Theft report. 

I have received a response BY EMAIL from XXXX stating that they added an extended Fraud Victim Alert to my report which will stay for 7 years. I did not consent to this alert being placed on my consumer report. The company never complied to my request to have the Hard Inquiries removed. I have not been valued and treated fairly. This company is doing whatever they want, and this is unacceptable.
Product: Student loan

Aidvantage is taking advantage of customers trying to pay back student loans. They are calculating the income-based repayment options incorrectly and forcing customers to pay twice as much. Typically my loan payment was around {$260.00} to {$280.00}. Even though I have filled out and continually renewed the IDR they initially made me pay {$630.00} for the first payment. I went on the Federal Student Loan service to renew again, even though I didn't need to, and it calculated my payment to be around {$330.00} to {$170.00} per month. However, after Aidvantage got the new renewal paperwork they sent me a pdf saying I would need to make 8 payments at {$570.00}, followed by a list of several other random numbers of payments at variable amounts after that. Obviously, that is not calculated off of the 10 % IBR as the Federal Student Loan site. I called them and was on hold for an hour before I finally got through. The customer service representative said they couldn't do anything something must be wrong with their algorithms for calculating the payments. They also said that lots of people were having this problem and they would have 'a person look into it. ' Now their chat customer service isn't working either saying the current volume is too heavy. Additionally, they will not list how much my payments should be they only do so moments before actual payment so that if they are wrong like they are, you do not have any time to do anything about it as they say it takes three weeks to 45 days to process any new paperwork. This is ridiculous they should not be handling money.
Product: Checking or savings account

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/year> SSN : XXXX Address : XXXX XXXX XXXX XXXXXXXX KY XXXX Chex Systems , Inc XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX I am writing to request an investigation of the following information that appears on my Chex System consumer report which is fraudulent. 
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. Items listed above, have 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 ( AN ( 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. 
I have NEVER opened or used the following account numbers, please remove all information below : Contributor : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Contribution XXXX : Checking Account Fraud Bank Routing # : XXXX Account # : XXXX Fraudulent Inquiries below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 Chex Systems report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, XXXX XXXX