23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have held a mortgage with Nationstar since XXXX 2013. Since that time, I have received revision to my monthly payments based on changes in taxes, the value of the property, and the balance of my escrow account. Last week, I received a notice from Nationstar that they were again revising our monthly payments based on a dis-balance in our Escrow account. This is all well and good, but the disconcerting fact was that they were raising my monthly mortgage payments by {$600.00}. Even worse was the fact that I was receiving less than 30 days notice as the new payments would be in effect starting XXXX XXXX. Upon further investigation, I discovered that the majority of the increase was due to a dis-balance in the Escrow account. Apparently, Nationstar had anticipated county tax for the to be around {$500.00} but the actual amount was around {$2000.00}. How could they not have accounted for such a huge discrepancy? Either their analysts are highly incompetent or ( which is more likely the case ) they intentionally lowballed Escrow payments the first year so that we would sign with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an open account with Concord Financial for {$17000.00} which was last updated on XX/XX/XXXX. The account is no longer open with Concord Financial and should be shown as either closed or cancelled. I called and recorded a call with Concord Financial on XX/XX/XXXX with a third party credit validator for a home mortgage to verify the account was in fact closed/cancelled. I asked Concord Financial to update my credit report and they have not updated my file. It is still showing as an adverse account. I can provide the recorded call if needed to show that Concord does agree that the account is closed/cancelled with {$0.00} due.
Product: Credit reporting or other personal consumer reports

Experian PLease look into the disputed items of inaccurate you are reporting on my accounts.
Product: Debt collection

My credit report is showing a collection account from PENN CREDIT CORPORATION on XXXX. I didnt receive written notification about this debt therefore I didnt have a chance to dispute on my behalf. I am also requesting debt validation according to 15 USC 1692g I am requesting in the debt validation for a detailed list of my history of payments made on this account, I want to see my signature that I put on a contract guaranteeing that I pay this creditor, has there been an insurance claim filed, and lastly I want to see the proof that you have chain of title to collect on this debt. Without proof of this information this collection should be removed immediately.
Product: Consumer Loan

I applied for a refinanced car loan via AutoPay company. I was approved on XX/XX/XXXX and signed loan docs on XX/XX/XXXX. After signing I continue try contact the Representative that assisted me for the status o of my loan pay off. When I could not reach the Rep that assisted, I requested to speak with a Supervisor and I was informed that the Lender was behind in funding. I contacted the Lender XXXX on XX/XX/XXXX to actually find out if my loan was funded and I was informed the check was sent to AutoPay. During this time I was still contacting the Supervisor XXXX XXXX to find out when my loan will be paid off. 
I received an e-mail from the Rep for AutoPay that I need to pay my downpayment before my current loan is paid off and I need to give my credit card/checking account over the phone ... I contacted the XXXX XXXX and stated that I preferred paying my downpayment thru a secure website. I was told that I had to do it over the phone before the pa pay off check is sent ... I stated that I do not feel comfortable. XXXX XXXX stated he would send me overnight label for XXXX on the same day we spoke XX/XX/XXXX. He did not send the label until I spoke to another Supervisor on XX/XX/XXXX and it was a two day delivery for XXXX. 
My check for the downpayment will not reach AutoPay until XXXX XXXX, XXXX XXXX and my current loan payment is already late. When I spoke to XXXX and asked about the 2 day label ... I reminded him that I have to do a survey and due to the unpleasant treatment I do not have any nice comments. XXXX commented by saying if he sent me an overnight label would I change my comments. He was very unprofessional.
Product: Payday loan, title loan, personal loan, or advance loan

They be calling me alot and telling me stuff i have alot of calls and XXXX me and have alot text messages about whag they going to do to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$29000.00} ; XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting or other personal consumer reports

I AM A LIVING PERSON PLEASE DON'T CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING. PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION. I THE CONSUMER HAVE GIVEN WHETHER VERBAL, WRITTEN OR NON-VERBAL PER 15 USC 1602. I HAVE IDENTIFIED ACCOUNTS ON MY CREDIT THAT ARE RESULTS OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME. I HAVE READ THAT I HAVE RIGHTS TO HAVE MY INFORMATION BLOCKED AND REMOVED PURSUANT TO 15 USC 1681 c-2. PLEASE HONOR MY REQUEST AND REMOVE THESE ACCOUNTS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have sent over XXXX dispute notices to Experian notifying them of the inaccurate information they are providing on my consumer reporting and the damages it continues to cause. They choose to be willfully noncompliant. See the attached for more detail and their failure to properly investigate and my intent to file Arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Mortgage

We purchased a loan with Celebrity Home Loans ( phone XXXX ) on XX/XX/2021 for the loan amount of {$350000.00}. We made a {$80000.00} principal payment on XX/XX/2021 leaving the balance of {$270000.00} after also making a normal monthly payment of {$1700.00} on XX/XX/2021. 

On XX/XX/2021 our loan was sold from Celebrity Home Loans to XXXX XXXX Mortgage XXXX phone XXXX ) at a principal balance of {$350000.00}. 

I contacted XXXX about our principal balance being wrong and they said contact Celebrity Home Loans. I did this and they said it can take 60 days to transfer everything. 

Our loan was then sold again to XXXX XXXX XXXX XXXX phone XXXX ) for {$340000.00} and now has a current principal balance of {$340000.00} after receiving a payment XX/XX/2021 for {$1700.00}. 

I contacted XXXX about our principal balance being wrong and they said contact XXXX XXXX XXXX. I did this XXXX they said contact Celebrity Home Loans. 

I contacted Celebrity XXXX XXXX today XX/XX/2021 now over 60 days from being sold to XXXX XXXX XXXX  XXXX they show the principal balance as {$0.00} and have no ability to show me the details of the loan sold to XXXX XXXX XXXX  and Celebrity says it should be ok. 

In this time our principal has been transferred wrong and we are paying an improperly amortized payment due to the interest we saved with our large principal payment and also are losing on paying PMI which would have been able to be removed after we reached 20 % equity.

Help please. Do we need to get an attorney. Im able to make another large payment and dont want to have this messed up again.
Product: Credit reporting or other personal consumer reports

Unauthorized accounts linked to identity theft have appeared on my consumer report without my written consent or wet signature. I've previously contacted your organization about this issue and am now formally demanding these accounts be promptly blocked and removed from my report. Their presence has caused me significant emotional and financial distress by misrepresenting my credit history and obligations. If this isn't addressed appropriately, I'm prepared to take legal action to protect my rights and seek resolution. These fraudulent entries have impeded important financial goals like purchasing a home and providing for my family.
Product: Credit reporting or other personal consumer reports

Years ago I was married and we had a joint account at XXXX XXXX XXXX XXXX, it was a platinum visa card. We then got divorced and the court ordered my ex-wife to pay the credit card off. Eventually, XXXX XXXX bought the debt from XXXX XXXX XXXX XXXX and my ex-wife continued paying until about XXXX of XXXX. Then, they started harassing me and it showed up on my credit reports. I disputed it and they said it all checked out. I provided XXXX XXXX the divorce agreement that included the order and they still continue to try to collect from me. TransUnion is of no help, repeated disputes have done nothing. It is not my debt and it is negatively affecting my XXXX XXXX. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts Balance XXXX XXXX XXXXXXXX {$570.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$400.00} XXXX XXXX {$2800.00} XXXX XXXX {$3200.00} XXXX XXXX {$900.00} XXXX XXXX {$800.00} XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXXXXXX {$620.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX {$600.00}
Product: Credit reporting or other personal consumer reports

The following XXXX XXXX XXXX XXXX XXXX XXXX  accounts currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report are lost/stolen : XXXX and XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX are lost/stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Santander Consumer USA Finance 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 disputed over the phone and with a rep, I also have provided ftc reports as well. I have ask for the original documents with signed signatures sent to mailing address and haven't received proof of any kind this act is in violation of my consumer law rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed errors on my credit report with the company after submitting proof that the error should be deleted. After an initial notification, I received correspondence that was not truthful with the companies reply. It seemed as if this was a stall tactic to not thoroughly investigate my disputes. I sent correspondences every XXXX - 45 days from XX/XX/XXXX to XX/XX/XXXX and have yet to receive any deletion of the disputed accounts. I have provided proof as well that the disputed account was deleted from one credit bureau, but the additional bureaus aren't cooperating despite this proof of deletion.
Product: Checking or savings account

SoFi froze my account for suspected fraud. They returned a check that I had deposited from my other account and then locked my checking account. I have attempted to call their Fraud prevention team for three days and left multiple messages for a return call. A quick search of this process on their chat boards reassured me that this happens to many people and sometimes takes two weeks to resolve. That timeframe is unacceptable.
Product: Checking or savings account

I have completed and returned to US Bank all the forms the requested in the bank 's response to my previous complaint. US Bank has not taken any action to return the money to my account. US Bank was negligent in allowing a forged {$10000.00} check to clear my account. The signature showing XXXX XXXX was an obvious forgery. US Bank is responsible for allowing the theft of {$10000.00} from my account. 

CFPB did not even challenge the bank 's response to my previous complaint. CFPB is guilty of not completing its due diligence in pursuing my complaint. 

I expect CFPB to insist that the bank again responds to my complaint. I insist that US Bank returns the {$10000.00} to my account. 

It is the duty of CFPB to instruct US Bank to return my {$10000.00}. {$10000.00} is a lot of money to me. 

US Bank allowed someone to steal {$10000.00} from my account, and CFPB is allowing US Bank to ignore any responsibility for the bank 's negligence. 

I have done nothing wrong. US Bank and CFPB are wrong! US Bank did not stop the theft and CFPB is complicit by not requiring US Bank to return my {$10000.00}.
Product: Debt or credit management

Equifax XXXX XXXX Not settling and canceling old accounts that I disputed..continually selling my accounts to a XXXX party days b4 the report was to come off of my credit I did not consent for a 3rd party.XXXX XXXX XXXXXXXX credit cars payment or car payment and scores take a XXXX point dive..make a payment only goes up XXXX XXXX XXXX
Product: Debt collection

The debt was removed off my credit report and added back on several months later. The debt need to be removed again off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXXXXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act these accounts 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
Product: Mortgage

FREEDOM MORTGAGE LOAN AN ADDITION {$1600.00} DOLLARS IS BEING PULLED FROM MY CHECKING ACCOUNT LAST MONTH. This appears to be continuing each month as they are projecting I will need insurance in XXXX when my current policy becomes due. I will continue my current policy, but some how Freedon Mortgage has predicted on a letter from them dated XXXX that I should begin prepaying my escrow account based on their best ( unfounded Guess ). this will result in me being charged at the current rate of {$1600.00} X XXXX = {$19000.00} ALL with no found reason an expense I can not afford to wait to be refunded or resolved. Thank you XXXX XXXX
Product: Consumer Loan

Receiving automated phone messages from a company identifying itself as a collection agency for United Consumer Financial Services Company. A loan with that company was paid off in XXXX 2016. I want this company to cease calling my phone. The number the messages come from is XXXX. Attached, please find correspondence confirming the debt is paid in full. Thank you.
Product: Credit card or prepaid card

For the last several years Capital one has been conducting soft pulls on my credit and sending me offers. Some of these include prequalified offers. On XX/XX/XXXX I responded to one of the offers and a hard pull was conducted on my credit dropping my score about 5 points. The card responded that I needed to provide proof of income which I complied with. The card application was ultimately declined and the company cited they still could not verify my income. I am a XXXX vet currently receiving a pension as well as education benefits. I am not currently employed because I am a full-time XXXX student. I will be attending law school in the fall. This means my income is a mixture of student loans, merit scholarships, GI bill housing allowance, and XXXX payments for my service-connected XXXX. My application was denied solely based on the type of income I have which I believe violates the equal credit opportunity act. After the denial letter arrived I received a pre-approved letter for a different type of capital one credit card. The notice stated to enter a code to accept my card. I believed the card was associated with the first application so I entered the number. The card pulled my credit again and I received an e-mail shortly thereafter to provide yet again my financial information. These two transactions have dropped my credit score 12 points and I still do not have a card. On XX/XX/2018 I called capital one an spoke with XXXX operator number XXXX. I asked XXXX to cancel both my applications and remove the credit pull on my account. I explained I believed the company violated the equal credit opportunity act because the sole denial reason was my income. I also explained that upon further research I saw Capital one paid a 3 million dollar fine for discriminatory lending practices and I did not want to do any business with the company. I asked that they never pull my credit again ( soft pulls ) and never send preapproval notices again as  they are just being used as scams to get people to apply.
Product: Credit reporting or other personal consumer reports

I sent these complaints several times in multiple letters, and the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these negative items remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$23000.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXXXXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked all 3 credit agencies to remove the report from XXXX and now Eid financial for a student loan because I do not have any sign agreements or loans with them. My loan was with XXXX in which CFPB found guilty of issuing bad loans. XXXX settle for {$120.00} XXXX dollars in which I am a part of that settlement. 
I sent them a copy of my letter stating that was loan was paid in full. ( see attachment ) Furthermore, they did not contact me to confirm if the information was true and to get my consent to add it to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the accounts listed below : XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to have adequate processes for accurately reporting of checking account reporting information about checking and deposit accounts. With inaccurate information about checking account history.