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

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

{$430.00} dollars charged by Citibank credit card that the items I purchased on XXXX never arrived, I did not receive the items I purchased on a XXXX store call  XXXX XXXX, XXXX XXXX 's XXXX shipping tracking number XXXX show the items was returned to the shipper address delivered to the shipper 's address in XXXX, IN, my address is in XXXX Virginia, the XXXX seller did not ship the items to my address. 

2023 XX/XX/XXXX XXXX XXXX : XXXX XXXX {$430.00} dollars was stolen by the seller, XXXX Tracking Number XXXX was the evidence to prove that I did not receive the items I purchased
Product: Credit card or prepaid card

on XX/XX/2023 I MADE A PAYMENT TO CAPITOL ONE CREDIT CARD AS AGREED TO PAYMENT ARRANGEMENT, I PAID TWICE ONE FOR {$79.00} USD AND DAY AFTER $ XXXX, OVER PAID ON WHAT WAS AGREED OF $ XXXX TO GET MY BALANCE UP TO DATED,, I CALLED THE COMPANY TO FIND OUT WHY MY ACCOUNT IS RESTRICTED I WAS TOLD THAT MY ACCOUNT HAVE BEEN CLOSED EVEN AFTER THEY ( CAPITOL ONE ) RECEIVED FUNDS, MY BANK DO NOT HAVE A CHARGEBACK AND ALL FUND HAVE BEEN RECEIVED,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS VIOLATING THE FAIR CREDIT BILLING ACT. 

XXXX XXXX ARE VIOLATING MY CONSUMER RIGHTS BY REPORTING INACCURATE LATE PAYMENTS. 

THE ABOVE ACCOUNT WAS ALWAYS PAID ON TIME AND WAS NEVER LATE AND IT WAS PAID IN FULL IN XX/XX/2022. 

I HAVE DISPUTED THESE LATE PAYMENTS FOR THE LAST 8 MONTHS BY REQUESTING PROOF OF DOCUMENTATION SHOWING WHEN I WAS LATE, BUT I HAVE NOT RECEIVED ANY PROOF OF LATE PAYMENTS.
Product: Credit reporting or other personal consumer reports

I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp NationStar/Mr Cooper reported to XXXX that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to NationStar/Mr. Cooper. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during XXXX crisis. 
I can not obtain a loan for home repair until NationStar /Mr.Cooper remove this erroneous error, reflected on my XXXX XXXX XXXX XXXX and XXXX reports dated XX/XX/2023. 
Also, NationStar /Mr.Cooper had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXXXXXX XXXX. I receive XXXX junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all XXXX reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX 180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX is proof to me of the unwillingness to accept the XXXX point credit points drop reflected on my credit reports. I have called XXXX as recent as this XXXX  requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella of NationStar/Mr.Cooper
Product: Debt collection

Hunter Warfield added this account to my credit report, which does not belong to me only belongs to XXXX XXXX. I had my own lease at the time and this debt should not in be in my name. The rental company/landlord already updated the statement and account to reflect her name. They also written off the entire account due to an issue XXXX XXXX was having with them to prevent legal issues with her. Hunter Warfield has ignored my letters explaining this and has refused to remove these off my credit reports with the major credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XX/XX/XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
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 with information that doesnt belong to me and was not done by me under fraud. A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 

Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.

CC : California Regulatory agency Division of consumer complaints
Product: Credit card or prepaid card

I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> File a divorce in the decree wife was to make payments in a timely manner. Account has been late and a XXXX XXXX was filed without my consent or knowledge. Due to her filing bankruptcy and because I am a cosigner on the vehicle, they have placed her bankruptcy as well on my credit report hindering me from obtaining homeownership. I am requesting for this bankruptcy account to be removed as soon as possible. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

This is an addition to my original complaint from back in XXXX XXXX with this company. Rushmore loan management Services. I did get a response that you sent me stating that a man named XXXX XXXX who was really another relationship manager. Well i did call him thinking that he was a CEO, or an administrator or some kind of an executive of which i ask for, that can be verified. But instead i only had this XXXX XXXX who said to me that the only person that could help me was the person that caused the problem in the first place. I could not believe what he was saying. But it came to me that he was protecting this person named XXXX XXXX. So i did tell this XXXX XXXX that i did not want to deal with him or any other relationship manager. Well after that i had so many relationship managers call as if to harrassed me. I ask to speak to an executive that i can verify that is who they are. This group of people have been playing games, until it makes me wander if there is a CEO, or is this just a group of people or working from with no supervisor. This has been going on so long to cover up what really did happen, and this XXXX XXXX is really trying to protect her. He has not been a very nice person. I have all the names of the other relationship managers who has been steady calling me. My complaint was to be able to speak to someone in charge, but what are they trying to hide or cover up. This is very strange for any company. Usually by now someone in charge would have called to find out the problem. The company is Rushmore loan management services. My loan number is XXXX. If you look back in XXXX XXXX you will see the complaint i did before. Nothing has change, it has gotten worst. I have a feeling that this complaint will go to XXXX XXXX the relationship manager. They go by your loan number and whoever that person is, is responding back to you. I do not feel that it ever got to an executive. I would like to know how you can find out to make sure this gets to the right person. And i would like a name and a contact phone number, so i can make sure of this persons credentials. Maybe there is only investors that put this company together. Please look into this. How is this protecting me if we can not get to the bottom of this, especially since i have told all of the relationship managers that i am not going to deal with them. The first two people i had seemed to be honest, but since them it has been a very hard ride and it seems as if no one cares. If you have people that are dealing with the public they would care about an complaint. But this has been too, too long. 
XXXX XXXX XXXX
Product: Mortgage

I was interested in knowing what the closing costs would be if I refinanced my existing mortgage with NewRez. They have been emailing me constantly encouraging me to do so. 

In the process, I was encouraged to apply with no obligation to find out the closing costs. 

Midway through the application process, an agent called, and asked some questions, and said he would run a credit check and encouraged me to complete the application. 

I decided not to complete the application at that point, and have asked him to close it out, but now i am getting radio silence. Have called several times, sent several emails. All i get is auto-responses telling me to complete the application. 

I tried calling the main number and they said i have to speak with him. But i can't reach him and he is not responding to voice messages or emails. And it seems there is no way in this online application to cancel it. 

This seems like predatory practices to me.
Product: Mortgage

Hello Loan number with UWM XXXX I called and United Wholesale Mortgage on XX/XX/XXXX to ask why my XX/XX/XXXX mortgage state was NOT reflecting the remaining award from Gov. XXXX XXXX XXXX XXXX XXXX I was awarded. The original award was for {$9700.00} sent to UWM in XX/XX/XXXX The remaining balance is {$1300.00}. All other money was applied to the mortgage, except this remaining balance of {$1300.00}. 

My XXXX mortgage payment is XXXX so the XXXX payment should be {$1500.00}. 

The rep from UWM told me the balance was returned wired back to the state on XX/XX/XXXX. I asked why was this returned and I was told by the UWM rep - that she did not know why. I called the XXXX XXXX rep and they told me that UWM should NOT have returned the money. That the money was to be used for my mortgage and any future mortgage payments, and the XXXX an escalation has been created over 2 weeks ago. I have not heard back form the XXXX XXXX Rep. 

So I decided to follow up with the reps at UWM once again, I have called XXXX since XX/XX/XXXX. 
to no avail. All I want them to do is explain to me why the money was returned to XXXX XXXX. Since the state told me they did not request any money to be returned! 

I feel that if this was done in error it should be corrected ASAP. 

I do not want to be late on my XXXX Mortgage for XXXX. 

Thank you XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Against : Mr. Cooper Mortgage Service XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan # XXXX Follow Up Complaint : This is a follow-up case update, that your office has requested. So as to stay involved in this matter. Mr. Cooper Mortgage Service has employed unfairness and deceptive practices, including fraud in the modification review process. Mr. Cooper sent a letter on XX/XX/XXXX, indicating that they had received an application for modification and supporting supplement documentation from us. Contrary to the letter our package was faxed to Mr. Cooper attorney nine days later on XXXX XXXX, with confirmed receipt. Mr. Cooper lawyers said that they will forward the package to Mr. Cooper, which is two days before Mr. Cooper sent a determination letter. Mr. Cooper sent a determination letter based on documents they have not received nor reviewed. Please see the attached letter. With this being said I wonder if my case is an individual case or systematic unfair and deceptive practice. Since Mr. Cooper is not a stranger to the scrutiny of this nature, we are requesting for modification with principal reduction. Mr. Cooper is wanting for foreclosure of {$960000.00}, while the property value is only {$310000.00} per current appraisal. 

The original loan in XXXX was {$400000.00}. The bank wants to foreclose the mortgage to the amount of {$900000.00}. That is for a tax write off for the bank. The Loan was declared a predatory loan by the judge. The interest rate has adjusted up to 14 %. 

Mr. Cooper scheduled XX/XX/XXXX, as our Law Day. We are requesting your intervention on our behalf. We need to stop Mr. Cooper 's actions. Mr. Cooper needs to explain why they have not followed through with their promise to review our loan for modification. We have the financial qualification for a loan modification. Both I and my wife have been in our current jobs for over seven years. ( Please see a motion to open judgment and extend law date by the bank Mr. CooperXXXXXXXX XXXX. You can see that the bank has used the delay tactic for deception and manipulation to their advantage. Please read Mr. CooperXXXX XXXX  motion to open judgment and extend the law date to XX/XX/XXXX. The court document stated that the bank wanted to reopen the judgment and extend the law date to pursue a modification review workout. They never followed through and requested any documents from us. 

In hope that your office will take action to stop the short sale, and make the bank offer us a modification consideration. We thank your office in anticipation. 

Sincerely, XXXX & XXXX XXXX
Product: Money transfer, virtual currency, or money service

My PayPal account got hacked and my bank had to close out my account. However PayPal continued to charge my account and even took money out of another PayPal that I had to create that was not linked to my bank account. They are also stating I still owe them a balance even though the police and my bank had stated that I was in fact not at fault. I would really like to get PayPal to refund the money to me that they stole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

Unauthorized charges are made on my credit card between XX/XX/XXXX - XX/XX/XXXX. Total 87 transactions of amount ranging {$19.00} to {$36.00} were made for total fraud amount {$2500.00} By looking at transaction pattern it is clear indication of some fraud but bank security could not catch it. 
I noticed these charges in Last week of XX/XX/XXXX and called Union Bank. they promptly disabled the card and sent me new card and disputed charges and charges went away from my balance.

I got letter in mail asking to sign on each disputed charge and fax them back which I did no XX/XX/XXXX. OnXX/XX/XXXXwhen I logged in to my account, I see these charges was place again on my card and when I called them they were having no idea why charges are back on my card and escalated my case somewhere and promised me that someone will call me within 24 hrs. I received no call and having good faith that they are doing investigation and eventually will sort it out shortly. But no luck. I called again on XXXX XXXX  as due date of my balance shows XXXX XXXX. In this call also they could not provide any satisfactory reason and said my case is with XXXX XXXX XXXX and they do not have any contact or email you can contact with them. But someone will contact you soon.

Whole day passed but no one contacted me on phone or email.

When I insisted they provide me that my work case # with them is # XXXX They do not know anything more beyond it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear Sir/Madam, I am writing to formally dispute a hard inquiry listed on my credit report that I believe to be unauthorized. The inquiry was made by XXXX XXXX XXXX XXXX on XX/XX/XXXX and I did not give my consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), only creditors with whom I have applied for credit, insurance, or a loan may perform a hard inquiry on my credit report. I do not recognize this inquiry and believe it may have been made in error, or possibly due to fraud. I request that you investigate this matter, remove the hard inquiry from my credit report, and provide written confirmation of the removal. Please also inform me of the results of your investigation within XXXX  days, as required by law. Enclosed are any documents or information I have that may assist in resolving this issue. If you need further information, please feel free to contact me at the number or email listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XX/XX/XXXX