23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom  It May  Concern, For th e 2nd  year in a row, Nationstar Mortgage has paid for Flood Insurance on a property unnecessarily. T he Flood Insurance  is paid for by my HOA and I have produced the necessary documentation, multiple times, to  Nationstar p roving that the policy was paid. Regardless, they paid for a new policy -- not just once, but, twice -- at the cost of {$430.00} each time!! I was able to get a refund from the insurance company for the  2nd p ayment of {$430.00}, however, they are not willing to refund the first payment. Nor should they have to. The fault for this resides completely w ith Nationstar and they have admitted that I should  be refunded my money and then later refused to do it. At this point, keeping my money is equal to theft. They made the same mistake last year, and after I filed a claim with the BBB, they eventually refunded me my money. How they can make the same mistake again this year and not give me back my money is unbelievable.     *  XXXX / XXXX / XXXX  -- proof of Flood Insurance on the property was provide d to Nationstar ( fa x confirmation is attached to this complaint ) *  XXXX   XXXX  -- the proof of flood insurance was provided again to Nationstar * From  XXXX  &  XXXX  -- MANY MANY conversations with the customer service group, the escrow group, insurance people, etc.   *  XXXX / XXXX / XXXX , a representative began emailing me.   *  XXXX / XXXX / XXXX  -- I was told that a refund ( for {$430.00} ) was being requested and would be paid by  Nationstar to m e.   *  XXXX / XXXX / XXXX  -- I was told the refund was denied. I was told this only after I inquired because I had received, another, erroneous escrow statement and I still had n't seen the promised refund.     I need help forcing this large company to STOP STEALING FROM ME.     I am beyond aggravated and would like to see this company prosecuted for criminal theft.     I appreciate any help you can provide.     Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | DOB : XX/XX/XXXX To Whom It May Concern, I am writing to you in reference to the following unverified inquiries to my credit : XXXX  Sales Financing XX/XX/XXXX Experian XXXX XXXX Jewelry/Cameras XX/XX/XXXX XXXX  XXXX/XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX  XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX/XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX/XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards 1XX/XX/XXXX Experian XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX Wireless Telephone Service Providers XX/XX/XXXX Experian XXXX Tenant Screeners XX/XX/XXXX Experian XXXX  XXXX  Bank Credit Cards XX/XX/XXXX Experian I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit. 

I have enclosed copies of my requests to these companies, asking them to prove any authorization or permission was given to check my credit. These companies have not demonstrated any permissible purpose, and are NOT allowed to be checking my credit. I'm not even sure if they DID check my credit, because they have not demonstrated that they possess any record of me on file. The error may in fact be a clerical error on YOUR part, in which case I demand that you investigate these inquiries immediately. In any event, you are in violation of the FCRA by reporting this information on my credit report. 

Furthermore, the FCRA requires you to verify these inquiries within 30 days of my request. If the validity can not be verified, you are obligated by law to remove them. There is a clear case of unverified inquiries, and I urge you to remove these inquiries from my credit report before I am forced to take legal action. 

In the event that you can not verify these pursuant to the FCRA, and you continue to list the disputed items on my credit report, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read attached FTC report. XXXX, Experian, and XXXX I have called millions of times to get this issue resolved. I have a fraud alert there is NO WAY possible my credit should be able to be ran, There is 10 hard inquiries that was ran in XX/XX/2021 which NONE I have authorized please delete from my credit report. The cXXXX XXXX loan delete if it wiont report accurately I have uploaded the title, XXXX XXXX has no proof of ID or anything on file, they advised anybody can get utilities on please delete that from my credit report as well, and XXXX XXXX apartments, somebody moved in my name which I have no clue on how that was done. This is becoming a headache and draining to continue to say this over and over and nothing be done about it.
Product: Mortgage

# XXXX Submission XX/XX/XXXX ( Sending this by mail also as was told that they could not be reached by CFPB ) I 'm sending letter in mail to them today XX/XX/XXXX as well as on here. XXXX XXXX XXXX XXXX UPDATE XX/XX/XXXX.. XXXX EST. Since writing below, there has been a discovery, the letter sent to me telling me of sale/assignment of my loan that came one month to late .... The information was not true ... .. it was another named company who had it in New Jersey with a different address and phone number. Except that, the company in New Jersey did n't assign it to this original company until XX/XX/XXXX of which I was not informed. The transfer from XXXX to this company was not legally presented either. It appears finagled and in a clever or dishonest way with names and trusts of confusion. Are you keeping track.
The Banks have not addressed my most significant issues ( not once )!
The Banks REFUSED TO MAKE PAYMENTS! ALL along convincing me all was good while in the middle of Modification. I spent over {$50000.00} on legal fees.
The Bank never possessed the original promissory note at the time the complaint was filed.The affidavit of indebtedness ( or amounts due and owing ) were wrong. The Plaintiff did not negate all properly raised affirmative defenses before the summary judgement.
The Bank did NOT act in good faith and had " unclean hands ''.
The Banks behavior were enough to lead me to believe that they were NOT going to exercise right of default and acceleration. It can be well demonstrated that through describing the modification process I was involved in before the law suit was filed, and what they did to convince me that they were not going to sue me, but settle with me for a modification. ( Which they never did )!
The Banks transferred the loan from one bank to another many times with no resolution and not in the timely way in which it states ( they must ) CLEARLY ON MY LOAN. I was not notified with in the time period under law. Also, on several occasions, they did not send documents to my property address as required.
<P/>
I pray for Justice!
<P/>
Instead of taking my payments so that my home would be close to now to being free and clear now in my senior years, instead they added those payments on top on the Principle Balance THEM creating a debt twice as big as when I started trying to modify my loan in XX/XX/XXXX to get it paid off! <P/> The responses received from the banks are computerized from one bank to another and neither one of them ( " self admitting '' state that they can not speak for what happened prior ) of that they have any validity. Infact they show inconsistancies. I, however, have the true facts and ALL MY PAPER DOCUMENTS! I have an entire filing cabinet full of proof and I can tell you exactly if I have this or that. I can give names and phone numbers of the loan officer, dates and times, extensions at the very beginning XX/XX/XXXX to today XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

I am reaching out because I am looking for assistance in getting a missing tradeline posted in my Experian credit report. XXXX XXXX has reported a rental tradeline to Experian but yet is not showing on my credit report I have sent them all the information, and conversations with boom pay to get this posted but yet have no results. The rental tradeline should have appeared on my credit report after they submitted the encrypted file to Experian but yet is still missing
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my report these items must be legally removed. I already contacted the credit bureaus and havent done so.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$520.00} XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in the complaints attached requesting an update to my personal information. The companies have stated that this information was in the process of being updated. I recently pulled my report and still see the inaccurate information. This information is fraudulent and does not belong to me. I demand that this information be removed as requested. 

Address : 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 According to the Fair Credit Reporting Act " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy...

( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller. 

Therefore, my position is being clearly stated, these personal information items as reported are in error, meaning that you are reporting inaccurate information within my credit file. The fact that these are inaccurate information means that you, this credit reporting agency, are reporting incorrect accounts/and or items.
Product: Debt collection

Unfortunately, I do not have copies of the XXXX original letters I received related to this debt in the amount of {$1100.00}. During XXXX timeframe, I called the collection agency and requested they provide the date this debt was initiated. They would not provide me the information. I have never received a letter stating that I owed any funds at the time this may have occurred. I also searched Florida court websites to locate any cases against me. I was unable to find my name. The document states a case has been filed, but the letter does not provide clear information to confirm the date the case was filed. The document also has not been notarized. When you call the company, you have to leave a message. No one answers the phone. I have attached the letter provided on XXXX and a screen shot of the website information provided. 

The only timeframe based on the address provided in the attached letter is XXXX through XXXX. I purchased a home and this was not my address after XX/XX/XXXX. I also was not employed by the agency listed in the letter at the time this could have possibly occurred. I also do not have any indicators on my credit report of an amount owed to a payday loan account. I was also serving in the reserves at the time that this " could '' have occurred. The information provided in the letter could have come from anywhere. Any people search engine will provide my closest family members and employment. 

My bank has also verified that there are no NSF letters on my account from years of XXXX thru XXXX. However, they need the exact amount of the original NSF to conduct a more thorough search.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im writing this letter to request deletion of fraudulent Hard Inquiries that appeared on my credit report without my authorization. All of the following inquiries on my report are the result of fraudulent activities. I must note that I did not apply for credit accounts with the below listed companies and creditors. I have talked to these creditors and I made sure that they didnt approve these accounts. Therefore, these inquiries must be deleted from within my credit file : 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 I have sent you mails multiple times, but haven't received any response so far. Please remove these fraudulent hard inquiries from my credit report, thank you!
Product: Prepaid card

cards were purchased in amount of XXXX XXXX and XXXX to pay stuff online and protect my personal information from being exposed attempted to use at XXXX, XXXX, XXXX, even tried using them at my own location to ensure they work attempted to use at several locations, were declined everywhere, amex wasn't able to solve issue. 
now im stuck with unusable gift cards that no one accepts under deceptive advertising that it is accepted anywhere where amex is accepted
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Ally Auto Financial reported remarks on my consumer credit report that I can NOT see. It says to contact the original creditor for any questions. I, as a consumer is the original creditor.

Under U.S. Code 15 1666 ( b ). As I consumer, I commanded Ally Auto to delete/close the account that they did NOT have my written consent to report to began with. No consent is identity theft!
Product: Checking or savings account

My account was restricted after I transferred money to myself from a separate bank. The originating bank then asked for a reversal of the transaction because they thought it might be fraudulent. 

The transaction was not fraudulent but I have been unable to remove the restriction for the last 8 weeks and no information has been provided to me on how I can a resolve the issue.
Product: Debt collection

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Wellsin the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail, since they are reporting accounts with FRAUDULENT CHARGES. As of today they have failed to provide me with the proof I have lawfully requested. These accounts with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Accounts are the following : 1 ) WF CRD SVC XXXX. Opened Date XX/XX/XXXX, XXXX Credit Limit {$700.00}. Balance {$0.00}. Status : Closed. 
2 ) Wells Fargo Opened Date XXXX XXXX, XXXX. Limit {$5000.00}. Balance {$0.00}. Status : closed. 
3 ) WELLS FARGO BANK AUTO # XXXX Date Opened XX/XX/XXXX. Closed Date XX/XX/XXXX. Original Balance {$18000.00}.

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Attached : Letter sent to Wells Fargo and FTC Report.
Product: Checking or savings account

An account holder at  XXXX , took funds illegally from my bank account ( TD bank ) on the following dates.    X/XX/17    for {$50.00}  X/X/17    for {$50.00}   XXXX     for {$50.00}  X/XX/17    for {$50.00}  X/XX/17    for {$50.00}   XXXX     for {$200.00}
Product: Credit card or prepaid card

Received the XXXX Balance says {$600.00} and that you can transfer to your bank without a fee. 
I went through the activation process and setup the account. 
Tried numerous times to transfer the $ and it says the transfer amount can not be more than with the fee. It says no fee. 
I tried numerous times to call the XXXX number and it just sends you in the same loop. 
This is more than frustrating and ridiculous. 
I am tech savy and I can not make this work. 
How are people that are not tech savy going to do this? 
Plus now all of my contact info is in some AI loop forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. 
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX & XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX & XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

I am a victim of identity theft stemming from the XXXX XXXX XXXX in 2017. Given this ongoing threat, I diligently monitor my credit reports by downloading them from XXXX every week or two. Recently, I experienced further fraud and identity theft with my debit card, reinforcing the necessity of frequent checks. However, I have been unable to access my XXXX and XXXX reports through XXXX  for over XXXX weeks now. Despite being advised to request mailed copies from the credit bureaus, I have not received these reports either. This sudden lack of access is concerning, especially as I can still access my TransUnion report without issue. I have not submitted police reports to the agencies, nor have I received any explanation for this restriction, leaving me uncertain whether the problem lies with XXXX or XXXX and XXXX directly. 
Also, XXXX XXXX XXXX makes it incredibly difficult to reach a human or technical support to assist in these cases.