23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX This is not a duplicate *** There have been many activities of fraud activities on my mortgage account XXXX due to NationStar lack of security. With NationStar lack of security my account was compromised and harm has been caused to me. 

There were multiple delinquencies due to my tenant compromising my account and changing my contact information to her contact information. This was done without my awareness or consent. There has been falsified letters written by my tenant and a loan recodification also done by my tenant. All done without my awareness or consent. 

NationStar wo n't cooperate with such evidence. There was a letter written by my tenant pretending to be me requesting for authorization. The phone number on the letter is her cell phone number. The letter is page XXXX of a fax, but NationStar wo n't provide page XXXX XXXX fax cover page ) which will show that the fax was sent from her place of work. 

Also, there was a loan modification done to my account by my tenant by her contacting the " Making home affordable '' department to reduce the amount of monthly payment. In the documentation provided, Page XXXX shows the fax cover sheet which shows that my tenant XXXX XXXX was the one that did the loan modification. Upon bringing it to NationStar 's attention, NationStar was quick at looking the other way, yet forge the documents by removing page XXXX XXXX Fax cover page ) and then stating that no fraud has happened on the account. Yet, after forging the document, upon still requesting other information, another rep provide the same document and this time the document had page XXXX ( fax cover sheet ) So NationStar forged the document to hide the fraud evidence. 

After bringing the multiple fraud activities to NationStar attention, NationStar then stated that there was a voice call in 2006 of someone granting my tenant authorization over to my account. Yet NationStar wo n't provide me with a copy of the recording that would also proof further fraud activities. I have not requested nor granted authorization to anyone over to my account. The letter, loan modification and voice phone call was all done out of fraud activities of someone pretending to be me. 

If someone pretending to be me, that is Identity Theft and is considered fraud and NationStar is supporting it by forging documents removing evidence and not providing other proofs which will further proof fraud. 
The delinquents that happened on my account were fraud, cause by my tenant compromising my account due to NationStar lack of security.
Product: Credit reporting

My son and I are trying to purchase a home in XXXX, XXXX through US Bank. 
OUTSTANDING JUDGMENT During the loan approval process I was informed of an outstanding judgment of {$1500.00} by XXXX ( initiated on XX/XX/XXXX ) in Maryland. I provided a copy of the check ( XXXX ) in the amount of {$3100.00} and the XXXX certified receipt showing receipt of the check by XXXX on XX/XX/XXXX. The total amount included both mine and my ex-husband 's share total payment. My ex-husband refused to pay his share of the judgment, so I paid the entire amount. However, my portion of the judgment was not credited and the lien remains. I conjecture one of two things happened : ( 1 ) XXXX never notified the State of MD of the payment or ( 2 ) The State of Maryland did not process my share of the payment to the claim against me. The loan is being denied until I can resolve the matter. I have contacted the Circuit Court of Maryland for XXXX and the State Ombudsman, but have had no response. 
REQUEST FOR FINANCIAL INFORMATION ON EX-HUSBAND During the course of the application process, US Bank ( the loan originator ) has requested addition information about me and my financial situation. The last request required me to provide information on my ex-husband 's current financial situation. I have no information on his truck loan at XXXX, his credit card purchases, his personal loans, etc. The divorce was final on XX/XX/XXXX, property was divided, and neither I nor my ex-husband were responsible for each other 's debts or had access to each other 's assets. 
I fail to see the need for this information. My ex-husband is not involved in the home purchase ; the co-owner of the property is my son. My ex-husband has not provided funds for the earnest money, inspection, or any associated fees. He will not be responsible for the down payment, taxes, insurance, or monthly payments on the property. He will not be responsible for property maintenance. 
I see this requirement for financial information on my ex-husband as either obstruction to prevent loan closure or harassment. I increasingly believe my age ( I am XXXX years old ) is behind a large part of this nonsense. My only other understanding of this latter request is incompetence on the part of the credit agency employed by US Bank.
Product: Debt collection

The company midland credit consistently keeps calling me XXXX everyday from XXXX again at XXXX then XXXX XXXX and XXXX or XXXX I consider this phone harassment. And i complained to the fcc about this in the past
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute. These failures align with experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the dispute accounts, as XXXX inactions violates federal law and my right as a consumer.
Product: Prepaid card

My XXXX card would never work. Went to close it and they held my {$400.00} for 3 months XXXX or XXXX
Product: Debt collection

Clarkson XXXX  XXXX XXXX are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX and XXXX. I would like to know who gave Clarkson and XXXX XXXX my personal information. I did not agree to any contracts with Clarkson and XXXX XXXX to pay this company anything. I did not authorize Clarkson and XXXX XXXX, XXXX XXXX XXXX, or XXXX  to use my personal information. 
Recently I priority mailed Clarkson and XXXX XXXX, XXXX XXXX XXXX, and l XXXX letters and each company is well aware of what will be the outcome will be if they continue to harass me.
Product: Vehicle loan or lease

I was charged late charges that shouldn't have been charged. I have been using my bank XXXX to make monthly payments since XX/XX/XXXX and for the past 11 months, the payments got processed with no issues but in the XX/XX/XXXX payment was returned by TD Auto Finance back to XXXX for reason of " unable to apply payment '' so I was charged a late charge for XX/XX/XXXX. However TD had no issue applying the XX/XX/XXXX payment from XXXX  with exactly the same information printed on their check as the XX/XX/XXXX payment so the fault of not being able to applying the payment to my account should be with TD Auto Finance. I already made payments to make up for the returned payment but TD will now want to charge me late charges. After talking with them, they will only waive the late charge of one month as they charged me late charges for XX/XX/XXXX and XX/XX/XXXX. So I still ow them {$54.00} of late charges. I feel they just want to money from consumers on late charges and in this case I made the payment and the returning of the payment shouldn't be the reason that I was charged a late charge, espeically I have been paying on time all other months since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX Late Payment {$0.00} Yes XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Mortgage

My Mortgage servicer reported my mortgage a rolling 30 days late while I was under a forbearance during Covid. Under the " CARES ACT '' we requested a forbearance since my work was interrupted my Mortgage lender explained to me once I was at least 30 days late the forbearance would take place and I would be under the support of the CARES ACT. They stated if I was not delinquent they would not offer the program. Once I became in default I would have 12 months of protection under the CARES ACT. 

Within 45 days I was back to work, I felt I had not need to accumulate unpaid interest and I continued my payments I did stay 30 days late eventually up but I thought best to continue making my best efforts to make a payment each month in which I did. 

I have recently monitored my credit and I have found that my credit was rated negatively while I was under the CARES ACT. I have tried on more than one occasion to reach out to the Lender with little or no response. The entire time I thought I was doing good by at least making a payment each month and it seems I did nothing to help my situation. I also have found out that I did not need to be in default to get protection the Lender mislead me completely.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collections account with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX ) opened on XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I was trying to take money from chase ATM XXXX XXXX XXXX XXXX NY, AT M chase Morgan never give me cash and they deducted {$500.00} from my card plus fees, I attempted to calling them same night 7 times and the customer service was unable to get to help me. Im stressed and discussed with this, please help me, XXXX XXXX or XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX and my second letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX This account continues to be verified as accurate which is false and still has a number of inaccurate information being reported. Ive asked for these accounts to be removed from my reports, Ive sent numerous letters asking for proof and I havent gotten a response. This account is reporting constantly reporting C/O as if the account is open with experian from XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. Its also reporting last day of payment was XX/XX/XXXX but its being reported as Charged off. Its also stated on XXXX that this account was in good standing XX/XX/XXXX but reported Charge off from XX/XX/XXXX till XX/XX/XXXX. According to XXXX XXXX Transunion XXXX, XXXX, Transunion and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. 
XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX By not replying in a timely manner to my initial letters, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
The listed items is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now delete and remove these items from my report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Mortgage

Ocwen has not properly reviewed as my loan modification. The form was filled out XXXX XXXX, 2016 and my Attorney or myself has had no response from Ocwen
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XXXX XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX
Product: Debt collection

A debt was owed. It was late. I received collection contact, verified it by going to the creditor 's site who still actually owns the debt, and paid the bill. The bill was acknowledged as paid by the hospital involved and subsequently also _in writing_ but as recently as only roughly two weeks later they continued to file derogatories on my credit reports with all the credit agencies, citing the paid item as unpaid and the item, which was pulled from collection, as still in collection. Contacted the XXXX and filed a complaint but the behavior continued. 

This company seems to lack any basic intent to engage in honest business. If a debt is paid, acknowledged by both them and the creditor, the collection activity, including filing collections with credit agencies, etc. should cease. 

The debt is paid, they can not collect on it twice, it has been acknowledged as paid by all relevant parties. It's not a huge amount and I could let it fall off. It's ruining my credit score which I take to be deliberate even though they have nothing to gain from doing so financially. 

I think they are generally dishonest and incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

EDFINANCIAL SERVICES XXXX XXXX XX/XX/2017 balanced owed {$2200.00} EDFINANCIAL SERVICES XXXX XXXX XXXX XX/XX/2017 balanced owed {$1200.00} XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX balance owed {$0.00} XXXX XXXX XXXX XXXX XXXX UNI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE DISPUTED WITH THESE COMPANIES ABOUT THE FALSE INACCURACIES. ACCORDING TO 15 U.S CODE 1681A ( 2 ) ( B ) THEY HAVE NO PERMISSIBLE EVIDENCE. 
PLEASE REMOVE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I am a victim of identity theft of Wells Fargo. I did not consent to them doing a hard pull on my credit report which lead to a hard inquiry. No written consent is Identity Theft according to 15 USC 1681 consumer report exclusions. The sales rep at the store assured me that I would not get an inquiry on my credit report. I did not even want to apply for the card in the 1st place because I was making the purchase with my current cashback rewards card. Also I am currently dealing with Identity theft and have a fraud alert on my credit reports. The lady insisted that I get the wellsfargo or XXXX XXXX card through them and that I did not have to worry about the inquiry. I have tried calling wells fargo and keep getting transfered to different departments then being hung up on. The sales representative was misleading. I want these inquires removed from both XXXX  and XXXX  consumer reporting agencies. If this isn't fixed within 30 days I will seek monetary damages for my consumer rights that were violated and take legal action. I have filed a report with the FTC on this matter
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX, PA XXXX TransUnion : Thank you for deleting some of the accounts which inaccurately appeared on my credit report However, I still firmly dispute the following remaining accounts. These items are still being recorded incorrectly and are severely damaging to me. In accordance with the Fair Credit Reporting Act, Section 1681i, I request that you REINVESTIGATE these accounts and delete them from my credit report. 
XXXX. XXXX XXXX XXXX - XXXX Furthermore, I would like to know how you verified these items including the names of the individuals you contacted for verification, along with their addresses and phone number so I XXXX check with them as well. 
Regards, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

A few days ago I found on my credit a new collection of Asset Recovery Solutions which I do not recognize, I have never been notified. How is it possible that an account without validating my credit begins to report.