23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar is the servicer of my second mortgage. After my first mortgage was successfully modified by the XXXX XXXX XXXX, I contacted Nationstar to inquire about a 2MP under HAMP. Nationstar informed me that my investor, XXXX ( XXXX ) does not participate in home loan modifications regardless of the federal HAMP guidelines. So I contacted XXXX. XXXX provided me a telephone number to a voicemail system that states " the decision to modify a mortgage loan ins the sole discretion of the servicer, here Nationstar. So I contacted Nationstar again, to make them aware of the XXXX voicemail. Nationstar 's representative asked me to conduct a conference call with himself, myself and XXXX voicemail system so that he could hear it himself. Once he heard the voicemail, Nationstar 's representative told me that Nationstar will conduct an internal investigation into this matter. Nationstar sent me a letter following their investigation stating that the XXXX voicemail was inaccurate and that the decision to modify was the sole discretion of the investor, here XXXX and not theirs. This information confused me. Nationstar is being evasive and not forthcoming with the real reason behind their arbitrary decision not to consider my home loan for modification pursuant to HAMP. I applied for a modification back in XXXX 2015. At one point, Nationstar rejected my payments and credited them back to my bank account. When I contacted Nationstar, they told me that they were rejecting my payments because I was over {$1200.00} behind and that I needed to catch up. Fearing that Nationstar had begun foreclosing, I sold some items and borrowed money to pay them because I 'd like to keep my home. When Nationstar called my home to collect on the late payments, I informed them that I had filed a complaint with the Consumer Financial Protection Bureau. The Nationstar representative then informed me that he will escalate the matter as a " proactive measure since I had filed a complaint. '' He said they will look into the matter. Nationstar still has n't offered to review my application or modify my loan under the HAMP 2MP. Nationstar continues to blame XXXX and XXXX continues to blame Nationstar.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that incorrect information is still being reported by TransUnion, XXXX, and XXXX. Despite submitting multiple disputes, the inaccurate data has been repeatedly verified as correct. I have attached clear evidence that shows this information is wrong, and the failure to correct it violates the Fair Credit Reporting Act ( FCRA ), specifically sections 623 and 609. These provisions require that credit bureaus and data furnishers ensure the accuracy and integrity of the information they report. 

I am requesting that this incorrect information be removed from my credit report immediately. Continuing to report and verify inaccurate data without conducting a proper investigation is unlawful and negatively impacts my credit standing. I urge you to take corrective action and update my credit report to reflect the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 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: Debt collection

Debt is regarding a disputed XXXX  XXXX bill from XX/XX/XXXX. 

I have not resided at the premise in question since XX/XX/XXXX. At the time I moved I transferred the service to a new address with XXXX to a different service address. I have paid all obligations in full at that address, and at the subsequent address. 

I was contacted regarding the outstanding obligation, was told the dispute had been registered and was resolved in my favor. 

The agency handling the debt has now placed a collection on my account in spite of my being told it was successfully disputed. 

The agency has damaged my credit with respect to a fraudulent debt obligation that is not mine
Product: Credit card

My credit card through American Express is currently set up for automatic monthly payments. The payment is set to be my full statement balance on the due date every month ( the XXXX ). There have been no issues for five months, until this month 's payment. 

This month 's automatic payment was paid exactly one day late. No settings were changed, and the bank account connected to the account has well over fifteen times the amount of the bill. Seeing as the payments historically transacted on time every month, and the next automatic payment is set to be paid on time, without any change of settings, I 'm inclined to believe that American Express deliberately postponed my automatic payment in order to collect their {$27.00} late fee. Especially because they make little revenue from customers like me that pay everything in full on time, thus avoiding credit card interest. 

I have done absolutely nothing to warrant my automatic payment to be LATE, and yet I 'm charged a late fee and both myself and my wife ( authorized user ) will suffer from the negative impact this will leave on our credit scores, forever affecting our credit health.
Product: Credit reporting or other personal consumer reports

I want to make a compliant for XXXX Credit Bureau My name has never been XXXX XXXX. I can update my social card to prove this information. 
I never had an account with XXXX XXXX XXXX or XXXX XXXX XXXX The balance shows paid off and close this is fraudulent on my account. 
This is fraudulent under my name I never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, Account XXXX ... XXXX XXXX XXXX the current amount is {$2600.00}. I have reached out through phone and certified mail. They have yet to respond to my second notice. 
Lastly, I have reported Account XXXXXXXX XXXX XXXXXXXX XXXX, because they have violated my rights. 
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681, specifically Section 604 ( a ) ( 2 ). This provision grants me the right to privacy and stipulates that a consumer reporting agency can not disclose account information without my written consent. Furthermore, under 15 U.S.C. 1666b, a creditor is prohibited from treating a payment on a car loan account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect on my credit and it has been well over 30 days and I have not received any investigation results at this time.
Product: Debt collection

Re : TD Bank XXXX. XXXX XXXX XXXX, MI XXXX Re : To remove inaccurate information on my credit report To Whom It May Concern : I obtain a copy of my credit report and found the following items to be an error. 
Here are the items listed as errors : The following inquiries needs to be removed Creditor Name : TD Bank Date : XX/XX/2018 Date :XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( SANTANDER CONSUMER USA ) ( Account # XXXX ) ( opened on XXXX XXXX ) According to the FRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( SANTANDER CONSUMER USA ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 
Thank You and I look forward to an instant resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times in the last three weeks to get my annual credit report from Experian. Each time, Experian immediately indicates that I have to send the request by mail ( it does not ask any questions, or give any reason ). I do not like sending sensitive mail by post, and would like to just download my report. I believe Experian just does this to discourage people from requesting their reports.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful n
oncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'VE HAD CALLED XXXX ABOUT MUTIPLE INQUIRIES ON REPORT SEND THEM POLICE REPORT ABOUT IDENTITY NOTHING HAS HAPPENED CALLED ALWAYS GIVEN ME THE RUN AROUND ITS BEEN 45 DAYS NO RESULTS
Product: Mortgage

In XXXX after we received our tax refund, my husband called our mortgage company to see if we could pay off our escrow for the year and and if it would lower our monthly payment. The person he spoke with at the mortgage company told him yes this was an option and gave him the amount to send to escrow and quoted him what our new monthly payment would be after that was paid. We sent in the check for the new monthly payment as well as a separate check for the escrow. I received a letter stating we had n't made our monthly payment and they were holding what we sent in suspense. My husband called to see what was going on and they told him that we actually CAN NOT pay off the escrow and that we would get a refund for the entire amount we sent them minus the amount to make up for the short payment. We went back and forth for over a month with these people never getting our money back and being told we were going to get the refund and then that we were not. Finally my husband talked to a guy that said yes we will get the refund and that they would now take the next monthly payment out of the money we were getting back and send us a recalculated refund. We finally got the refund and then got a letter stating we did not make our payment that was taken out of the refund check. My husband called and was told that they did not take it from the refund and that was the XXXX payment. But we had already made that payment. Now they are saying we will have an over 30 days late on our account. These people give you a different answer every time you call. They need to account for every penny of that money that they were supposed to refund to us. This was their initial mistake to begin with because they told us it was an option. Then they held our money hostage and now are apparently stealing it, too. He tried calling back to see if someone else might help him and as soon as he gave the account number they hung up on him.
Product: Vehicle loan or lease

We bought a new car from XXXX XXXX in XXXX XXXX NM on XX/XX/XXXX. We put down {$7000.00} on the XXXX XXXX XXXX. Rhe original price quoted on their website was alittle under {$20000.00}. But by the time we put the money down the total price for the car wasThe loan is in my husband and my name we were not told that the finance company ( Credit Acceptance ) charged us approximately {$7000.00} fee to finance both of us. When I called the car Dealer XXXX XXXX. No one could explain to me the reason for the finance charge. I was then hung up on. So we called credit Acceptance and they stated that the fee was between us ( my husband and myself ) and the car dealership. So we contacted the dealership again and tried to speak to the finance person and was told that he was to busy to take the call. We now have left messages with the dealership everyday since XX/XX/XXXX to which no one has called us back. We would like some resolution to this issue as we feel that we were bullied to sign papers and not given time to read the contract or anything. My husband and I are both over XXXX XXXX XXXX and really feel like the dealership stuck it to us. Also, none of the paperwork reflects the correct mileage on the car. We disputed that as well. Some papers say 10 miles and some say 1 mile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and this company is reporting numerous accounts on my consumer report i have asked this company to remove these accounts and they refuse to i have a FTC report and the number is XXXX. 15 usc 1681 A section 2 states that a consumer reporting agency can not furish a account without my written instructions and i challenge this company to provide the proof that they have my written instructions.
Product: Debt collection

Ally Financial provided the financing for my wifes car. I am in no way involved as it was purchased before we were married. During the pandemic, Ally has forgiven payments for two months, essentially added two months at the end of the loan term. Automatic payments made by my wife have been refused during the pandemic. However this has not prevented Ally calling multiple times a day about the debt. They call both of us but as someone not in debt to Ally I feel any contacting me is harassment. I have twice called the company and explained just that. Each time they agreed to remove me from the call list but have failed to do so. Over Memorial Day weekend I have received 12 calls from a company I dont owe money. Any help with this matter would be appreciated.
Product: Credit reporting or other personal consumer reports

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


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX # XXXX  XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Capital one has issued a technical difficulties statement via email to its customers. I receive payment from my employer biweekly, on Wednesdays. The time is always different but it always reaches my capital one account at some point, every other Wednesday. 
I was to get paid on Wednesday, XX/XX/XXXX ( yesterday ), in the amount of {$720.00}. I it is now Thursday, XX/XX/XXXX XXXX XXXX XXXX and I still do not have access to these funds, nor do I see a deposit for them. 
Thousands of Capital One customers are dealing with this, and have tried to contact Capital One, but to no avail. They have no idea when this issue will be fixed which they should realize, IS NOT OKAY. 
People need their hard earned money to pay bills and SURVIVE.
Product: Checking or savings account

I was being charged illegal overdraft fees from Navy Frderal
Product: Mortgage

This company has not answered yet my previous complaint # XXXX I am resuming here the status of the complaint : I signed with Bayview Loan Servicing LLC the attached PERMANENT MODIFICATION LOAN AGREEMENT in XXXX that shows I was complying with the modification terms and never being in default as proved in Court in XX/XX/XXXX. Bayview filed a frivolous foreclosure on XX/XX/XXXX against my home claiming amounts out of this modification ; Bayview sent innumerous harassment letters almost two years prior to the filing of the frivolous foreclosure, always claiming unlawful amounts out of the above modification. 
After 21 months have passed Bayview hasnt rectified their position yet ; they transferred the Service on XX/XX/XXXX to XXXX XXXX who also transferred the service to XXXX XXXX XXXX on XX/XX/XXXX. 

Notice of error was sent to Bayview
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reporting on my credit report is incorrect via two ( 2 ) accounts, accounts I deemed to be fraudulent because they are Not mines. Please remove and block these 2 accounts, 1 ) XXXX XXXX {$580.00} 2 ) XXXX XXXX {$240.00} I've also asked for physical documentation, id vertification and signatures to these accounts, or in accordance with the FCRA these accounts shall be removed The credit reporting agencies are depending on electronic Verification inwhich can not be accepted as proof. So either I'm provided with this certified physical documentation or the accounts should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE INQUIRIES FROM THE FOLLOWING CREDITORS 1XXXX 2.XXXX XXXXT XXXX XXXX 4.XXXXXXXX XXXX 5XXXX XXXX 7XXXX XXXXL 8XXXX 9.XXXX 10.XXXXY 11.XXXXXXXX XXXX 12.XXXX XXXX XXXX 13.XXXX XXXX XXXX  14.XXXX 15XXXX & XXXX 16.XXXXXXXX XXXX 17XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Debt collection

On XX/XX/2019, I was checking my credit reports and noticed that Credence Resource Management had submitted an account with my name attached to three ( 3 ) credit files, XXXX, XXXX, and XXXX. This company never sent me a request to validate the debt. This company violated my rights as a consumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from XXXX Upon reviewing my report, I found several errors that l believe require immediate correction. The items in question are XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX Dept of education XXXX XXXXXXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, l am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written contirmation of the outcome within 30 days, as required by law. 
If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. 
Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. Thank You
Product: Credit reporting or other personal consumer reports

I HAD IDENTITY FRAUD AND A FRAUD ALERT ON MY CREDIT REPORT. ALL OF THE CLOSED ACCOUNTS XXXX JPMORGAN WERE SUPPOSED TO BE REMOVED FROM MY CREDIT REPORT. MY ATTORNEYS AND I HAVE BEEN TO COURT XXXX TIMES AND THE CLOSED ACCOUNTS ARE STILL NOT REMOVED FROM MY CREDIT REPORT. ALSO THE ACCOUNTS ARE OVER 7 YEARS OLD AND NEED TO BE REMOVED FROM MY CREDIT REPORT. PLEASE HELP ME OUT WITH THIS. THANK YOU VERY MUCH. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This companies has violated FCRA XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This companies has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.