23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a VA mortgage loan with XXXX which is serviced through XXXX  XXXX. I have an automatic monthly payment set for the mortgage and anything more was to be paid to principal. Any time I try to pay additional principal Nationstar will take that amount and initiate a payment reversal, sometimes even taking additional monthly payments when not scheduled. It is so confusing and I am not sure how much money has gone to principal or interest? There have been as many as 10 transactions in one day, I do believe the bank keeps applying my money to the future interest instead of the existing principal but can not be sure. I have contacted the company on numerous occasions over the past few years trying to put a stop to this practice and to get them to right their wrongs but to no avail. The most recent contact was XX/XX/XXXX at XXXX with " XXXX '' and a few weeks prior with someone named " XXXX XXXX and still nothing?
Product: Credit reporting or other personal consumer reports

XXXX filed a collection with each credit reporting agency in XXXXXXXX XXXX XXXXXXXX without any prior notice of delinquency. The amount on my credit reports states the total amount was {$300.00} ; however, the company charged me {$300.00} as the final payment on my debit card. The account was paid over the phone with a debit card ending in XXXX on XX/XX/XXXX. XXXX sent a receipt ( after a request ) on XX/XX/XXXX, showing the total sum was paid. 
XXXX and Equifax are continuously reporting this account as " unpaid '' when other reporting agencies have accurately reported the account as closed/paid. 
I filed XXXX disputes with Equifax both on XX/XX/XXXX and XX/XX/XXXX, disputing the account status and both were incorrectly returned as " unpaid '' statuses. 
I further had to pay to pull my credit reports from all three bureaus and as of XX/XX/XXXX, Equifax and XXXX are still reporting the account as " unpaid. ''
Product: Mortgage

Wednesday, XX/XX/2019 MR. COOPER Consumer Financial Protection Bureau Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX, TX XXXX Reference : Account # XXXX ( hereinafter the subject loan and is the reference for all questions and requests described below ). 

Follow-Up on : QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST of XX/XX/2019. 

Dear Sir or Madam : Regarding the letter I sent you dated XX/XX/2019, via Certified U.S. Mail # XXXX, the letter titled QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST. The letter was received and signed for by your representative on XX/XX/2019. ( See U.S. Postal Receipt below ) On XXXX XXXX, 2019 your company received a 14-page Official letter from Property Owner XXXX XXXX XXXX. In part that letter read, I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account # XXXX. 
Do you claim that your company ( doing business as Mr. Cooper ) has answered all the requested enumerated documents demanded in the letter that you acknowledge receiving on XX/XX/2019, and that you completely and honestly responded in full, and you declare under penalty of perjury that you answers all my questions truthfully and you have supporting documentation for your claims? 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number XXXX Furthermore, in accordance with the fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Inquiries : XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX
Product: Debt collection

We have XXXX commercial properties in XXXX XXXX MI which XXXX XXXX XXXX XXXX XXXX billed for services on XX/XX/year> & XX/XX/year> for services on the XXXX properties for {$46.00} & {$42.00}. We contacted the company for a copy of a contract authorizing these services via phone many, many times. Nothing was received. On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX sent a collection notice for Account # XXXX ( {$93.00} ) & # XXXX ( {$85.00} ), which stated if we were in dispute, to submit a dispute form. We not only submited the forms within the stated deadline ( sent XX/XX/year> - Deadline was XX/XX/year> ), we have certified USPS tracking information it was received by both the service and collection companies, with a detailed letter stating we did not have record of contracting services and again asking for proof of contract. XXXX XXXX did not acknowledge receipt even with our proof as another notice was received on XX/XX/year>. We certified mailed another letter with proof of earlier dispute. They have now reported on the personal credit for XXXX XXXX, not the commercial accounts.
Product: Debt collection

I am writing to express my dismay and frustration regarding your response to my request for the blocking of certain information on my Equifax credit file, as outlined in your communication dated XXXX XXXX XXXX I received your notification stating that Equifax is not blocking the information I specified in my request, in accordance with Section 605B ( c ) of the Fair Credit Reporting Act. Your response, which outlines the initiation of an investigation and contact with each company providing the disputed information, does not align with my explicit request for the blocking of the named information. I wish to reiterate that under Section 605B of the Fair Credit Reporting Act, I have provided the required proof of identity, specified the information resulting from identity theft, and submitted a copy of my complete Identity Theft Report to the Federal Trade Commission, available at identitytheft.gov. I find it perplexing that despite complying with the necessary provisions, Equifax is refraining from blocking the identified information. This contradicts the legal requirements set forth in Section 605B and adds unnecessary delay and complexity to the resolution process. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I anticipate that Equifax will promptly block the specified information as required by law. Failure to do so will compel me to escalate this matter to regulatory authorities and explore legal avenues to ensure my rights are upheld.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was sold to another creditor XXXX XXXX XXXX ( XXXX  ), and this account has been settled and paid off as of XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous letter that I claim I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

The following account need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.
Product: Debt collection

This account was opened under my name without my knowledge as a result from identity theft. When i reached out to the company to provide validation of debt and wet signature they just provided me with a billing statement.
Product: Money transfer, virtual currency, or money service

I have an account with Chase Bank in NY. 

In XXXX, two transfers were made through XXXX XXXX without my authorization. 

XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ I didn't even know what XXXX XXXX was, until I saw these two transfers. The robber gained access into my bank and E-Mail accounts. I don't know how. He clearly hacked my computer, because Chase Bank says that the person who registered in XXXX, did so using my device and my E-Mail account. 

Chase Bank refuses to retrieve my money because of this reason, although I warned them about it on XX/XX/XXXX ( they claim they retrieve your money if you warn them in two days or less ). I closed my account right away and opened a new one on Tuesday ( XX/XX/XXXX ), because Monday was holiday. 

I also changed my E-Mail and formatted my computer. 

Chase Bank initially gave me my money back with temporary credits, but after finishing their investigation in early XXXX, they declined both my claims and took the money back, claiming it was me the one who made the transfers, because the robber used my E-Mail and my device. That's the same as claiming I robbed my own house, because the robber used my keys.

I complained about it, so they reviewed my claims. After one week, they concluded the same : it was me. So, they refuse to retrieve my money. 

I'm very frustrated. I searched about it on the Internet, and apparently it's not only me, but thousands of people getting robbed in the same way. I found many similar cases in XXXX. 

Chase Bank refuses to protect its clients, if robbed through XXXX XXXX. 

XXXX :  XXXX XXXX : XXXX XXXX : XXXX Scammers are robbing people en masse through XXXX, because it's so easy, and because Chase Bank refuses to do anything about it. 

I hope you can.
Product: Mortgage

Our complaint is a Predatory Loan ; XXXX we asked Bank of America for a line of credit and they gave us a HELOC loan in the amount of {$84000.00} which was interest only. We went back to Bank of America to see about a separate {$50000.00} equity loan for a business start up for our XXXX. 

XX/XX/XXXX Bank of America sent out their own appraiser and appraised the home at {$460000.00}. To this date the home is still not worth this amount. In XXXX we merged the two loans together, due to the recession and as our XXXX fell behind on his individual loan payments. The next 10 years XXXX  had us on an interest only payment plan which was not clearly explained to us. After the 10 years the payments went from {$290.00} ( interest only ) a month to {$770.00} at 4.625 % principle and interest. At that time, we were threatened with foreclosure due to getting behind with the new monthly amount due. 

After 17 years, we owe more on the loan that what we took out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and noticed several inaccuracies throughout it. Several collection accounts which are inaccurately updating balances. I sent a dispute letter dated XX/XX/XXXX to all 3 credit bureaus, which are currently undergoing the dispute process. XXXX keeps updating this account from XXXX XXXX XXXX for {$400.00} without proper investigation. I have also sent a letter to this company separately demanding them to valid this alleged debt.
Product: Debt collection

A derogatory remark appeared on my credit report on XX/XX/XXXX and it was put by the CBE Group. I contacted the CBE Group on XX/XX/XXXX and I let them know that the debt is disputed and I also told them that they did not try to contact me to first before putting the debt on credit report was derogatory remark and thereby hurting my credit score which dropped by more than 25 pts by this action. When I contacted CBE group and disputed the payment, they said they will remove the debt remark immediately but it has been 14 days today and the this fraudulent debt has not been yet removed from my account.
Product: Credit reporting or other personal consumer reports

I've been tirelessly attempting to rectify a fraudulent account linked to XXXX XXXX  on my credit report, to no avail. This account is not associated with me. Despite numerous phone calls, letters, and other efforts spanning several months, XXXX XXXX  remains unresponsive to the grave error of an unauthorized credit card appearing on my report. This oversight has adversely affected my XXXX XXXX to the point where I'm unable to secure a home. 

It's disheartening to witness large corporations seemingly overlooking the concerns of individual consumers. I earnestly hope the CFPB can intervene to correct this mistake, allowing me to move forward in my life. The apparent oversight on XXXX XXXXXXXX XXXX part has significant repercussions on my credit health. Given that my attempts to communicate with XXXX XXXX  have been unproductive, I believe that seeking the CFPB 's assistance might be my only recourse.
Product: Checking or savings account

I am a XXXX XXXX XXXX. I use several software platforms to manage my business and transfer money and neither are able to connect to PNC Bank. I also try transferring money to my own accounts and that is a problem. The software that I am most feed up with not working is : 1. XXXX XXXX 2. XXXX XXXX XXXX   This needs fixed asap. 

Thanks
Product: Credit card

I paid off my cap one business debt in 2009 account # XXXX. Today the debt is still reporting through my credit report with XXXX in the amount of {$2000.00}. I have sent them a letter to update the debt but have not heard back as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of Fair Credit Reporting Act 623 ( a ) Responsibilities of furnishers of information to consumer reporting agencies/ ( a ) Duty of Furnishers of information to Provide Accurate information ( 1 ) Prohibition ( A ) Data furnishers are prohibited from reporting information with actual knowledge of errors  ... ... 

After checking my credit reports, I noticed a collection from XXXX XXXX. 

1. On XX/XX/XXXX, I sent XXXX XXXX two Debt validation letters ( attached ), certified mail ( return receipt attached ), pursuant to FDCPA 809 stating that i dispute their claims in their entirety. 

2. On XX/XX/XXXX, I received a letter from Convergent ( attached ) stating the debt and account were verified and they attached a bill from XXXX that had another person 's name on it. 

3. Therefore, on or about XX/XX/XXXX, I sent another letter ( attached ) to Convergent with my Drivers license, certified mail ( return receipt attached ) stating that the name on the bill was not mine and they were in violation of FCRA 623 ( a ).

4. On XX/XX/XXXX, I received another letter ( attached ) from XXXX XXXX. This time they sent a longer bill but the bill still had another person 's name on it. 

5. I disputed the information with XXXX, XXXX, and XXXX  ( certified mail ) and XXXX   and XXXX came back that the information was accurate and verified ( credit reports attached ).

Convergent is knowingly and by their own admission reporting false and inaccurate information to the credit reporting bureaus. The name on the bill is not my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting twice on my credit, starting that I had 2 loans and they are unable to provide proof to me of the second loan ; when I asked to have the credit report fixed they offered to remove the loan that is accurate, to leave the inaccurate loan reporting with a balance.
Product: Debt collection

On XX/XX/year> the Aqua Finance company called us as an attempt to collect a debt, these were the representatives words exactly. We proceeded to inform her that although we have spoken with the resolution team, there was still no resolution. Representative then proceeded to tell us that the company is the bank, what type of loan it is, and that if there was an issue with our car we would take it to the mechanic and not the bank. Also the representative spoke about a lien that could be placed on our home and if we wanted to sell or refinance, we would have an issue. We decided to end the conversation because we could tell that we were getting no where with actually reaching a resolution.
Product: Debt collection

I contacted XXXX XXXX XXXX XXXX in connection with the emergency room fee they assigned for bringing my daughter in. They charged {$1500.00}, for 5 minutes of a consultation with a doctor, who said my daughter 's fever was not an emergency. 

I called and asked for an itemized invoice, trying to understand how 5 minutes with a doctor who essentially told me not to worry, that my daughter was fine, could cost {$1500.00}. The response I received was that that was the flat rate the hospital charges my insurance company. There was no other reason for that amount. 

To charge {$1500.00} for 5 minutes of a doctor 's reassurance is unconscionable. The hospital is unwilling to reduce it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with accounts not being reported as paid or I paid an account to the collection agency but the original account is showing a balance and the collection has been deleted as agreed upon.The following is a list of the accounts which are not correct and which bureau is reporting it wrong. 

Conns - was paid through the collection agency which is now deleted but they are reporting a balance on all three bureaus, XXXX, XXXX XXXX Equifax XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX  - These have been paid but are not being reported as paid in the payment status line or noted in the comments by Equifax. They are all reporting as paid in the payment status line and in the comments section on XXXX and XXXX. I paid these back in XXXX of last year. I've gone to Equifax multiple times asking for these to report correctly or to delete them. I've even got to these companies directly and they just say it was paid and that it could take up to 30 days to be reported as paid, its been 3 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX acct number XXXX, XXXX  Acct number XXXX, XXXX XXXX Acct number XXXX, XXXX  XXXX Acct number XXXX, XXXX XXXX XXXX Acct number 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry pulled by syncb/XXXX ( XXXX XXXX XXXX/ XXXX ) XX/XX/2019. I am a service member who was being forward deployed later on this month to be stationed overseas. 
I have never applied for credit from this company and I called multiple times to confirm, and the company has no records shown of me at all. 
I would like to remove this from my hard inquiries on my credit report. I have tried to handle the situation myself but it is not being taken care of at my level, I would like professional help. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX doubled charged me keep it open for 4 years just to ruin me they said it was closed a while ago so where did all that big XXXX come from my credit limit was XXXX and they trying to say i owe XXXX their ant no way if they closed it, and they just put numbers together i even tried to work with them and everything nobody wants to help me.i just don't like people taking advantage of me like this if u closed it why bill for 3 years after u closed it doesn't make since just fee changing XXXX XXXX This account is currently under dispute under dispute Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$740.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$740.00} Terms - On record until XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2100.00}