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

Im filing this report today because I was the victim of identity theft. An individual, entity, company or corporation has opened accounts without my knowledge. They enriched themselves on my credit without my knowledge, consent or authority. The following accounts are tied to the identity theft and are in such fraudulent. I need the following account ( s ) removed or blocked from my credit report. Im aware that filing a false identity theft report opens me up to possible criminal & civil penalties. I understand under the penalty of perjury Im liable for such statements. This statement is my factual understating of the events : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been informed that negative information is being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Product: Mortgage

I have received two telephone calls in the last 18 hours from NationStar mortgage asking when my payment will be received. The payment is not due until XXXX XXXX, but the calls began on XXXX XXXX. 
This is my first month with NationStar, as my mortgage was transferred from XXXX. Out of force of habit, I paid XXXX the amount due, which cleared my account on XXXX XXXX. XXXX informed me that they would forward any errant payments for the next 60 days. However, the harassing telephone calls from NationStar continue.
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 remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Student loan

I have been receiving information about this account for some years now and it is incorrect I express this to them on many occasions they have called or sent me letters. I am struggling with this did not know the knowledge this count please take it off of my credit report this is hindering me from getting a house and car and capital for my business...
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency  continues to remove this collection from  XXXX  and reinsert it without my knowledge to the credit bureaus.
Product: Debt collection

I have cosined my cosin for rental apartment as of XXXX/XXXX/XXXX with 12 month lease ended on XXXX/XXXX/XXXX. He committed to pay his rent for the whole period, for unreasonable rental increase he was late to pay his XXXX XXXX rent on time and after he tries to give them the check the refused it and send him attorney eviction notice. 
As of XXXX/XXXX/XXXX I have visited them with new comer to get rental apartment and paid XXXX dollars as primary deposit, but this person changed his mind. 
Hardly they gave me the {$150.00}, but next day they open this collection against me for the amount of {$3900.00}. 
When I called the collection office the lady told me that you are still liable for month to month lease while there is no agreement has issued between them and my cosin, and she also told me they tried to reach my cosin 9 times with no respond. 
He called her today and asked her to remove the collection from my side while that is illegal action for the life time contract and start reschedule payment with him, but she still want keep it on mine. 
Please help me out my name is XXXX XXXX
Product: Checking or savings account

Was offered a {$400.00} bonus for opening a checking account with them and completing two direct deposits before XX/XX/ 2021 and receive it ( as long as you don't close your account amongst other requirements ). I somehow became a victim of identity fraud ( second or third time now in my life, I lose count ) and instead of helping me with my issue, they close my account and told me that I would not be receiving the incentive in which I completed to satisfaction. I was recently laid off and became XXXX XXXX within 2 days, XXXX  my family ( wife and XXXX small children XXXX and XXXX ) .That additional money, even though coming next Month, XX/XX/2021, according to the small print, would be so helpful for my family.
Product: Money transfer, virtual currency, or money service

A person made fake job offer and send me fake check to set up mini office at my place. So wells Fargo bank cleared the check at first and money was available in my account. I had to order stuffs for mini office online and send money from my account. After 24 hours bank returned the check and my own money is gone. The person whom I sent money is a XXXX XXXX XXXX account holder and they got the money. Now my bank is not helping me to recover the money and also behaving that it is my fault. My account balance is negative and I can't pay off the debt. Bank is taking zero responsibility
Product: Mortgage

This is a regards to me trying to do a short sale on my home I have a buyer ready to purchase, I have a real estate realtor, but Mr. Cooper refuse to look at the contract I go back to court on XX/XX/2020 which will be my law day. I checked with XXXX and they advised me to file a complaint as to why Mr. COOPER would block me from doing a short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is already my 2nd attempt to fix this issue with your company. I already informed you that my Identity got stolen I am a victim of Identity theft and I have no knowledge of whoever that could be. I am submitting my ID, FTC report and Identity theft affidavit to prove my Identity.
Product: Mortgage

Mr. Cooper is continuing the practice they were sued under in case # XXXX. This lawsuit was filed by the CFPB and Mr. Cooper continues these same unethical practices. 

I filed Bankruptcy in XX/XX/XXXX. The Bankruptcy courts approved Mr. Cooper charging me {$950.00} while in Bankruptcy, but Mr. Cooper charged me over {$4000.00} in fees not authorized by the bankruptcy courts. 

Mr. Cooper at first denied my request for corrections so I supplied documentation showing where the fees charged by Mr. Cooper in XX/XX/XXXX ( motion for relief, attorney fees, and {$180.00} in filing fees ) were all filed incorrectly and dismissed by Mr. Cooper 's attorney in XX/XX/XXXX. This included all fees including the attorney fees charged and is clearly documented as being dismissed by the email evidence from my bankruptcy attorney as well as the court order filed XX/XX/XXXX, but Mr. Cooper refuses to correct this issue. 

When my loan was transferred to a new servicer XX/XX/XXXX these fees suddenly appeared. One fee is for an appraisal I was charged {$500.00} for that was never approved by the courts as required by law. I have additional fees of {$170.00}, {$100.00}, {$180.00}, multiple charges for {$1200.00} motion for relief, {$110.00} for another unknown fee, {$350.00} fee, {$140.00} in another fee, {$490.00} fee, and a {$600.00} fee. All of these charges can be found on the XXXX payment history I have attached. 

Mr. Cooper also incorrectly managed my escrow account. While they advised the new servicer upon transfer, I was behind 3 months in payments ( which was not true ) they grossly overcharged me in escrow resulting on the new servicer having to refund almost {$2000.00} in overpayments made to escrow. This is a violation of the law and can be found in the XXXX payment ledger as well. 

Enclosed : XXXX payment ledger 2. CFPB vs Mr. Cooper lawsuit 3. Amended Bankruptcy filing removing fees 4. Correct payment ledger
Product: Credit reporting or other personal consumer reports

I would like these account to be remove so my credit report can update accurately ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.
Product: Credit reporting 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX : {$1200.00} XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SInce XX/XX/2018, I have been disputing incomplete, inaccurate information. Some of the items have been removed, some come back, and some have been completely ignored. These accounts have not been verified 100 % and I am asking that the credit bureaus remove all unverifiable information and correct my personal information. My credit seem to be mixed up with someone else, So therefore I am also providing my ID with my correct name, address, and dob. Please correct my information and remove all of these unverifiable accounts this is hurting my credit. 


XX/XX/XXXXXX/XX/XXXXAccount Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX EXPERIAN Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XX/XX/XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX
Product: Mortgage

Complaint against Servicer Wells Fargo for illegal use of unregulated artificial intelligence and false and deceptive statement to the Government Agency. 

On XX/XX/XXXX Wells Fargo sent AI-generated response from XXXX XXXX XXXX who lacks any contact information and made following false statements- property XXXX XXXX XXXX XXXX , XXXX IL XXXX was purportedly most recently referred to foreclosure on XX/XX/XXXX which is a LIE. Here was never any foreclosures on XX/XX/XXXX. This foreclosure was filed on different date, different year by XXXX XXXX XXXX ( " XXXX '' ) XXXX XXXX who failed to disclose who hired them. Wells Fargo was not present or disclosed in this foreclosure in any capacity. 

Please send me all documents related to foreclosure filed on XX/XX/XXXX. 

Please send me copies of any and all financial statements evidencing ownership of the account receivable which was supposedly due from me and which was allegedly satisfied after the sale of my property. 

Can you please clarify the information upon which you rely as to business records for the foundation of the claim you are presenting and identify the intended party for the distribution of funds after the subject property was liquidated ( sold to a third party bona fide purchaser for value ) on Sheriffs Sale on XX/XX/XXXX and sale to XXXX XXXX on XX/XX/XXXX? 

Please identify the person, company, or business organization ( s ) that performed functions relating to the receipt, collection, processing, accounting, or disbursement of funds due to a creditor received from me and the person, company, or business organization ( s ) that received any money from the forced sale of the property in XXXX. 

I also see that there are references to the promissory note but no references to the unpaid receivable account on the ledger of any putative creditor. Such an account is neither asserted or implied. Can you please clarify whether you represent the party who owns that unpaid receivable account due from me? This is also necessary to assess the putative servicers authority and the attorneys authority to proceed.
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive documentation and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX Balance Owed : {$360000.00}.
Product: Credit reporting or other personal consumer reports

I did not authorize these XXXX hard inquiries on my credit profile. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit card

I opened a Prosper Credit Card and never once missed a payment ; however, the card was practically rendered useless as they would restrict the card every single month to review 'potential fraud '. I have called them multiple times, but when they refused a charge for a copay for my doctor and my car insurance, stating their policies prohibit charges from doctor 's offices and similar vendors, especially while I was undergoing flare-ups of a medical condition, I had it. I tried talking to XXXX different people at Prosper Services, and upon finding out they chose to block charges to medical providers, given my condition, this is, to me, blatant medical discrimination. I have met my obligations and never missed a payment, but I'm subjected to discrimination and the refusal of them to pay charges when I only used perhaps a quarter of the limit of the card, which is {$1500.00}. 

I felt diminished. I am working a full-time job, pursuing my MSW, and it was utterly cruel to dehumanize me by refusing to pay ongoing medical charges and copays. And what's more, they were clear on this over the phone. It was blatant. While health care providers can refuse to take credit cards, credit card companies can not refuse to pay medical providers if their customers are paying the bill at the end of the month. 

I paid off the card and closed it today XX/XX/year>. I can not hold a card where the company participates in medical discrimination. I am very concerned about other customers of this company that they are marginalized and disenfranchised.
Product: Debt collection

When I moved out of my apartment at XXXX XXXX, I received a bill with my move-out charges. The bill was dated XX/XX/XXXX. I paid with a check on XX/XX/XXXX. 

I received a letter from IQ Data International on XX/XX/XXXX, informing me that they believed I owed XXXX and that it had been sent to them for collection. I called IQ Data International on XX/XX/XXXX to dispute the charge, and I spoke with XXXX. After telling them that I had the bill from the apartment complex ( of which the XXXX was a line item ) as well as documentation of the check I paid with, including an endorsement showing deposit, they directed me to email a member of their staff with the proof of payment. 

When I requested a letter saying that it had been disputed and cleared from my credit report, I was told that I needed to wait for them to verify it with their client, and that I could call back in a week. I called back the next week and was told they were still trying to verify it. I called on a weekly basis for several months, with the same response each time.

In one of these many phone calls, I informed IQ Data International that I was applying for a new apartment and wanted it off my credit report. They told me that I could go ahead and pay them and it would be removed from my credit report, which is untrue. 

After applying for a mortgage, I was informed that this debt was still on my credit report. I immediately called IQ Data on XX/XX/XXXX, and was told that I needed to resubmit my dispute. It is clear to me that they never made any attempt to verify that my debt had been paid and were hoping I would fold and pay them something I didn't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the example problems fit this issue exactly so i selected the best option that i could. I obtained a credit reporting and score update on XX/XX/ from Experian for 2 positive transactions. A paid off item was removed from my report and 1 of my credit cards went down to on 1.4 % usage and i only received a 5 point increase when the other 2 credit bureaus gave me at least 10 points for the credit card 1.4 % usuage/ pay down alone. It has been known for Experian to cheat customers such as myself out of higher point increases when theyve been earned and have also been in trouble legally for doing such.
Product: Money transfer, virtual currency, or money service

on ( XX/XX/2021 around XXXX XXXX XXXX time ) I XXXX a search for XXXX customer service number to start a claim for some faulty product I purchased. When I got the result a number popped up.I dailies it. Ot knowing it was a hacker or scammer.I told this person what happened with XXXX.An unawareingly accepted his new policy of using my bank info to transfer a refund.He took me though alot of links and assured me that this is how they pay you back on XXXX.Since I had never been hacked and XXXX is such a trusted company.I followed all his instructions and proceeded to transfer {$500.00} to this crook because the way he explained it.I needed to transfer to this account to get my full refund.I never fall prey to this stuff but since he was skilled in rebuttles and it was XXXX I had used over 10 years.I did it.I kept asking him why do I need to transfer that amount.He assured me it wasn't really $ XXXX.Its to make sure I have money to send my refund.Then he told me to download this app on my phone.I since then learned it's a stalker spy app that let 's him see my entire phone.Now he's telling me my XXXX info so once again I was assured it was XXXX.He was smoothe. Eventually after sending the {$500.00} I got weary and demanded to speak with a supervisor and he said '' XXXX XXXX  '' twice..that 's when I realized I had to hurry off the phone an call Wells Fargo.I filed a aim that second and froze my accounts. The reason I am contacting you is as you know.Wells Fargo.The crooks that they are.Have a policy.They deny all claims of authorized transactions. No matter how elaborate or new the scam was.The claims rep told me that that identical scam had happened twice already that day to other customers.I waited 10 days and knowing they would deny me.I searched for another course of action.And found you all.Mamy people have gotten their hard earned money back because of the CFPB.I find it utterly offensive that Wells Fargo is the only bank that has this policy. Especially for special circumstances. In my case.a hacker hacked into XXXX  server or XXXX.i never met this person..they may be in XXXX..and I didn't recieve any merchandise. So it's clear as day this was a scam.I don't send random people.money ever.Now if this happened to me twice.I would understand but I think they should honor a valued customer. Please help.
Product: Debt collection

I sent a dispute letter in XXXX of XXXX. I asked them to verify the debt that was placed on my credit report. Mountain Run Solutions then sent a fake contract. I never had an account with Mountain Run Soultions on XXXX. They sent a letter stating that they will delete the account from the credit report with a discount of {$1000.00}. I have filed a complaint, still nothing. Here it is XX/XX/XXXX, I sent another dispute letter. Mountain Run Soultions then sent another contract aside from the first contract. There are two seperate fake contracts. This company is trying to collect money that I do not owe to them. Please have this company delete this information from my credit report.
Product: Consumer Loan

I was promised a low interest rate upon my auto purchase, but I received one that is on a scale ... .the interest rate starts out so high like {$120.00} @ month then slides as the car loan gets closer to the end. I did not want this and asked BMW for their promo rate of 0 % like many car dealerships are offering. BMW Financial has refused. Their advice was to refi after 6 mos and when I tried to do that, they gave me a higher int rate than I am currently offered. All I want is for them to reduce the interest rate as promised.