23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had some financial issues from XXXX. I was on a forbearance that ended on XX/XX/2022. On XX/XX/2022 I received a email that I was approved for a forbearance but on the phone the agents say that is wrong. ( Email attached ) In XXXX I applied for my state 's HAF help. Since then the state has requested the information from my mortgage company 's loan servicer multiple times. I have called loancare probably 30 times over the past months. They are not responding to the state. Loancare 's internal HAF processing department has done nothing. I call and call and the customer service reps email them asking for an update. Nothing. They escalate it ( Whatever that means ). Nothing. No response. Meanwhile I get threatening phone calls and letters. They are the ones we are waiting on. They need to verify the information the state requested of them so this can be processed. 

They have been notified MANY times that I applied for the HAF ( Phone calls and email ). I get no where with them. Meanwhile they started reporting negatively on my credit report, which I believe is illegal when I am working with HAF and on a forbearance per the email XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint against XXXX XXXX, one of the worst consumer lending companies that I have ever encountered. In XX/XX/2019 I applied for and was given a hardship agreement by XXXX XXXX to make payments of $ XXXX/month. Although I made the payments on time and received confirmation that I had authorized a payment on XX/XX/2019, XXXX XXXX failed to process the payment. As a consequence they improperly charged off my loan for non-payment on XX/XX/2019. After I filed a complaint with the CFPB, XXXX XXXX admitted in their CFPB response to me dated XX/XX/2019 that they made an error on my loan status and on XX/XX/2019 they had corrected how my loan was reported to bureaus and repurchased the loan that had been charged off. 
Nevertheless on XX/XX/XXXX, according to my XXXX XXXX credit report, the account was once again wrongly reported as " charged off '' despite the fact that I have been making the required {$150.00} payment on time for 8 months. As a result of XXXX XXXX 's illegal change from " open '' to " charged off '', my credit score plummeted 31 points.See below message I got on XXXX. 
" Based on XXXX data Credit changes Current score XXXX XX/XX/XXXX -31 pts to XXXX Accounts With Missed Payments XXXX XXXX XXXXXXXX Status Changed to " Charged Off '' A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
XXXX XXXX XXXXXXXX '' Additionally, when I called XXXX XXXX, their agent with the first name XXXX told me that on her computer screen, the system showed that my account was charged off, even though their separate notes showed it was " repurchased '' and current and open. 
For the last 8 months, I have also not been allowed access to my account information online, I can not obtain balance or payment information online, and can not make payments online. I also receive no paper statement. 

This is already my third complaint against XXXX XXXX, which shows how determined they are to violate the law. In my second complaint, they asked for more time to fix the problem and then never did anything and failed to even filed a response to the complaint.. They need to step up to the plate and fix this situation.
Product: Debt collection

I sent a dispute letter to Experian for XX/XX/XXXX for a charge off that has been paid to XXXX XXXX XXXX  XXXX amount number - XXXX. Experian received the letter and sent me a letter on XX/XX/XXXX stating that my account is updated.
Product: Vehicle loan or lease

Purchased my car XX/XX/XXXX. A XXXX XXXX XXXX from US Auto Sales. 
Since then, my car broke down and I found out about a month after I purchased my car they went out of business. They never paid the warranty company, XXXX. So, XXXX refused any new claims as they haven't been paid for previous warranty claims. 
Now, US Auto Financing has shut it's doors and they were the financing company. 
I've spent nearly {$4500.00} in 3 months for a car that I can not get repaired. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are reporting illegally to my credit profile. I I DID NOT AUTHORIZE NOR CONSENT to any of these credit applications : 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
Product: Credit reporting or other personal consumer reports

To whom this may concern, My personal and financial information was compromised without my authorization. 

The family education rights and privacy act ( XXXX ) protects the confidentiality of XXXX  records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my XXXX XXXX  debt in full.
Product: Credit reporting, credit repair services, 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. 

XXXX # XXXX, Extra ( credit card ) # XXXX, XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has 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 ( 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: Credit card

I have an American Express card however, they call my WORK phone constantly XXXX or XXXX times daily. This is a work phone that should not be used. Can we get this bill down to a reasonable payment plan? We are in good standing, however, Is it possible to get this down? Please stop contacting my work phone XXXX with collection phone calls. My supervisor is getting these calls to PLEASE STOP and mail information to me XXXX XXXX XXXX XXXX XXXX Pa XXXX. What can I do too pay this off? Also increase my credit limit?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under trafficking as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Mortgage

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau Attn : [ Specific Department, if applicable ] [ Street Address ] [ City, State, ZIP Code ] Subject : Request for Assistance Regarding Negative Credit Reporting Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding my credit score adversely impacted due to a forbearance granted by Mr. Cooper 's mortgage company. 

I am a responsible homeowner and have diligently made timely payments toward my mortgage with Mr. Cooper for several years. However, due to unforeseen circumstances, I faced financial hardship during the month of XX/XX/2022 and was granted a forbearance by Mr. Cooper which would break up XXXX 's mortgage into equal payments over the following six months. It was my understanding that this forbearance would not have any adverse impact on my credit history. 

Regrettably, I recently discovered that Mr. Cooper reported the forbearance period as a 30-day late payment on my credit report. This inaccurate reporting has significantly affected my credit score and undermined my financial stability and future creditworthiness. 

I believe that this negative credit reporting is unjust and unfairly tarnishes my credit history, considering the circumstances under which the forbearance was granted. I have diligently fulfilled my financial obligations and acted in good faith throughout this difficult period. It is disheartening to see my creditworthiness compromised as a result of the very assistance I sought to maintain my financial stability. 

I kindly request the Consumer Financial Protection Bureau 's assistance rectifying this matter. I would appreciate your intervention in contacting Mr. Cooper 's mortgage company on my behalf to investigate the inaccurately reported 30-day late payment and request its removal from my credit history. 

Enclosed are supporting documents, including correspondence with Mr. Cooper, demonstrating the forbearance agreement. I believe these documents will help substantiate my claim and support the urgency of addressing this matter. 

I am confident that with your intervention, we can resolve this issue and restore the accuracy and integrity of my credit report. I sincerely appreciate your attention and look forward to a prompt resolution. 

Thank you for your time and consideration. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

I do not have signed contact nor any contract with Midland Funding. I have never done business with these company. I am not liable for collection from this debt. I am not liable or responsible for this debt.
Product: Debt collection

Credit Bureau XXXX XXXX XXXX XXXX Dear Sir or Madam : I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your company. I request that you investigate the following items and respond to me within 30 days of your receipt of this letter, in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. For your reference, I am enclosing a copy of my recently obtained report and other documentation that supports. 

The following inquiry does not belong on my credit report : ( older than 2 years, unauthorized, other it had belonged to XXXX who added my name without my knowledge ) My personal data is inaccurate : ( Stating that l stayed in this apartment which l never and can be backed to no utility or anything attached to me name ) The following account is described erroneously and needs to When your company has corrected the inaccurate information described above, please send a corrected report to me and to anyone else who has requested a copy of my credit file within the last six months. In the event that your company does not respond to my request within 30 days, I will assume that you are unable to verify the information, which means you must immediately remove or correct the items in question. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received an email from XXXX  stating that a new collection account is on my credit report. The collection agency is United Collection Bureau and the company for whom the debt originated is XXXX XXXX XXXX XXXX. It shows that the collection account was opened XX/XX/XXXX, and that {$270.00} was due as of XXXX XXXX. I have never heard of XXXX XXXX XXXX XXXX, nor do I believe that I owe an outstanding balance of {$270.00}. The report lists a partial account number : XXXX. I have never received a bill from this company that would explain the charge. Presumably, the company is connected to healthcare, but I always pay any co-pays and additional fees directly to my doctor 's office. I disputed the charge with XXXX  and United Collection Bureau claims that it's a legitimate charge, although no evidence has been provided.
Product: Credit card

XXXX - Received email stating my XXXX XXXX XXXX had been reported lost/stolen from Synchrony Bank XXXX I did not report it stolen and I physically had all cards. I contacted customer service via phone call several times on between XXXX XXXX : Call # XXXX : Informed rep that I received the email and stated I didn't request it so please undo the request. She replied that was not possible. I asked who reported my card was stolen. She said an " unknown caller '' earlier on XXXX. I asked how they verified it was a legitimate request and she had no legitimate answer. I asked what would prevent me from calling in to report someone else 's card stolen without a verification on their end. No response. I asked to be forwarded to a supervisor. Was told I could speak with fraud department. Call # XXXX : Forwarded to the fraud department and was hung up on. Call # XXXX : Contacted fraud department again. They could not share details but mentioned that it was because of some charges I disputed ... .these charges were over 3 months old and their response was conflicting with the " unknown caller '' described in Call # XXXX. Call # XXXX : Contacted normal customer service rep again. Spoke to a new XXXX She requested full verification of my information to confirm identity before speaking to me. This is the first time in any call where my identity/data was fully verified before share details with me. She also had no answers but seemed surprised that none of the other calls had verified me. XXXX - I typed a letter describing the above and expressed my concerns that they had shared my data with an unknown caller and were reporting as lost/stolen to cover their failed processes. I demanded they execute investigation and provide me with a response on the root cause and how they were going to prevent the problem in the future. XXXX - XXXX follow up saying they received my correspondence and they'll review as soon as possible. I have not received additional reply since. In unrelated issue I had disputed charge in XX/XX/year> and then later noticed it had not been addressed. I messaged customer service and submitted another dispute form. They stated they had error in logging the dispute. All of these things add up to failed business practices and protections for consumer data and information.
Product: Student loan

I have XXXX issues. XXXX XXXX is showing a student loan that was forgiven with a XXXX balance but a 120 day past due still on my credit report. Also XXXX XXXX is showing a student loan for {$2300.00} that was supposed to be forgiven due to XXXX eligibility and is still not taken care of.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX # XXXX XXXX has 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 ( 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: Debt collection

Both Trident Asset Management and XXXX ( XXXX XXXX XXXX ) were claiming to own the debt in the amount of XXXX. 

XXXX ( XXXX ) has been trying to contact me and verified they were the debt holders so on XX/XX/2021 I paid the amount in full and they verified this debt has been paid. 

I tried to dispute the debt with trident asset management and they are claiming its still owed and refuses to remove their claim on my collections account
Product: Debt collection

XXXX XXXX  not only contacted associates that had nothing to do with my account, they disclosed information to the third party in regards to the debt. It was embarrassing, deceptive, intimidating. I asked XXXX XXXX to cease all calls, and I also informed them I want only written communication. They still call me! Even after I informed no more calls. This company should not be in business disclosing an individuals personal business matters to third parties and repeated calls after DNC
Product: Credit reporting, credit repair services, or other personal consumer reports

First off ... the balance being reported as of today, XXXX with all three credit bureaus is incorrect. It states my balance is : Real Estate XXXX/NATIONSTAR MORTGAGE Last reported : XX/XX/2018 - {$120000.00} You stated on the response to my complaint : For your records, we are confirming that your principle mortgage balance as of XX/XX/2018, was {$120000.00}. 

*This needs to also be fixed with all the credit bureaus. 

I was to receive an email first regarding the information found by XXXX XXXX after speaking to him on the phone. He advised me that he would CALL me back.

Per all three credit bureaus ... they can not change my credit score per my VA mortgage loan through Nationstar. This was told to me on the phone several times with the credit bureaus. Freezing nor not reporting after a complaint is a direct violation and shows once again ... retaliation on part of Nationstar since this complaint is directed to Nationstar, not XXXX. I have never heard of such a thing, yet only a handful of payments have been reported since opening my VA mortgage loan. 

Per letter from XXXX the final payments had been paid by XXXX as a means to close the forbearance loan. This after XXXX representative, XXXX XXXX misguided me and in turn, XXXX did find XXXX XXXX XXXX negligent. I was also told that my payments would then start reflecting on my credit per month as I have been paying per month, that also included my credit score. I only show 4 payments ... most recent payment for XX/XX/2018 being shown per all three credit bureaus. I do not see one time any increase within my credit score on a VA loan that I have continued to pay monthly.

A mortgage loan should be one of the most single loans that can help increase your credit score. I have paid my payments on time ... yet it does not reflect any points per all three credit bureaus. This would appear to anyone to look as if I am in a rental ... no reflection of helping my credit at all. 

Retaliating against a Veteran .... when filing a complaint, ANY COMPLAINT, should be known to all those who hold a loan with Nationstar, as well if connected with XXXX. 
BUYER BEWARE! 

I will continue my complaints until this gets resolved. You may also want to contact each credit bureau on how reporting increases within each loan for consumer credit score works as they advised me on several occasions that the only ones who can change credit scores is the reporting creditor. On my VA mortgage loan that would be Nationstar or XXXX. 

It did not take, but less than 24-hours for Nationstar to fill out a form and submit to have my VA mortgage loan information corrected. Retaliation by you stating you will freeze any reporting for 2 months by my complaints to the CFPB is just that ... another retaliation. 

The next complaint will clearly show you the correct way that creditors report monthly payments. As XXXX XXXX has done with my loan for years. 

Sincerely, XXXX XXXX 17 year XXXX Veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

Safe rent solutions has denied multiple applications for rental properties. I have contacted this company multiple times to remove any accurate information from my consumer report. Safe rent solutions LLC refuses to remove these inaccurate items from my consumer report, causing denials and money spent on applications. I would like negative information to be removed from my safe rent solutions consumer report, I have filed multiple disputes and after investigatio the disputes were not satisfied or accurate. I have sent in supporting documents for these public records and credit files and would like these items removed from my consumer report safe rent solutions. I also feel that safe rent solutions discriminate against XXXX and XXXX  by denying applications for rental properties.