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

1. XXXX XXXX XXXX ( AUTOMOBILE DEALER, USED ) XXXX # XXXX 2. INQUIRY TYPE : PERSONAL LOAN COMPANIES ( XXXX XXXX XXXX ) XXXX # XXXX 3. INQUIRY TYPE : BANK CREDIT CARDS ( BANK CREDITS CARDS ) XXXX # XXXX 4. XXXX XXXX XXXX  ( BANK CREDIT CARDS XXXX # XXXX 5. INQUIRY DATE : MORTGAGE REPORTERS ( XXXX XXXX XXXX ) XXXX # XXXX 6. XXXX XXXX ( MORTGAGE REPORTERS ) XX/XX/XXXX # XXXX 7. XXXX XXXX XXXX ( MORTGAGE REPORTERS ) XXXX # XXXX 8. INQUIRY TYPE : MORTGAGE COMPANIES ( XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In early 2019 I deposited a check from a company which proved to be no good. Bank of America charged me {$10.00} for the check and closed my checking account. Bank of America then reported me as a perpetrator of check fraud rather than a victim. 
Their false reporting has kept me from opening other bank accounts. 

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

I live in Florida. I was affected by Hurricane Irma. So, my mortgage company agreed that I can stop payment for a few months. But they didnt mention any condition. They promised to work with me to resume payment. On the contrary, they were more willing to let my home go into foreclosure. I fought and made them design a payment plan for me. I complied faithfully with the plan. Nevertheless, they sent negative report to credit bureau. My score dropped by 150 points I asked them to fix the problem. They didnt do anything about it. I complained to the three credit offices. Recently, XXXX told me their investigation was completed. But I am still 60 days late in my account for XX/XX/XXXX and XX/XX/XXXX. Nation Star told me they have a lot of customers and I have to wait. I feel like they are not doing anything to solve the problem. Please help me! I worked hard to build my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts or inquiries below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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

XXXX XXXX continues to place repeated calls to distant relatives 4-5 times per day. This is my second complaint. My ONLY contact number is XXXX. Any calls to anyone else should be stopped immediately. This is harassment and should not be allowed. They're calling anyone that they can find online that's ever been associated with me and that should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about three student loan accounts open that at the time were with Heartland ECSI or ECSI as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted Heartland ECSI about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted Heartland and its sister company Heartland Federal countless times in the last few weeks to correct the error and they keep passing me around to one another. ECSI tell me to talk to Heartland Fed, Heartland Fed or FSA told me that I need to submit documentation. ECSI has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX   on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to contact XXXX/transunion / XXXX  on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response
Product: Student loan

First of all, i borrowed around {$73000.00} for college and graduate school. After paying in an XXXX plan for over a decade, I owe almost {$200000.00}! Because I could not afford to make my payments, borrowers counciled me to default, whereupon they capitalized interest, in order to get into an XXXX plan. I was told default was required to enter into affordable payments. 
These terms are usury and were given me under fraudulent terms. 
Now, Aspire Servicing Center has pulled my loans out of the government mandated payment pause, and is billing me over {$1400.00} a month! I am currently unemployed. And WAS on an XXXX repayment plan. 
They notified me the payment pause was ending in XXXX. I sent them an application for XXXX based relief. They sent me a letter saying I was approved for a temporary deferment. That letter is now MISSING from my internal-communications folder from them, and they are billing me! Despite the federal payment pause. Please help!!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violation of Consumer Rights by American Express I am writing to file a formal complaint against American Express for what I believe to be a violation of my consumer rights. Specifically, I am concerned about their handling of my credit reporting information without providing me with a proper method to opt out, and their unauthorized sale of my credit report and personal information to a collection agency. 

Despite my repeated attempts to address this matter directly with American Express, I have not received a satisfactory resolution. Therefore, I am seeking your assistance in addressing this issue and ensuring that my consumer rights are upheld. 

My concerns are as follows : 1. Lack of Opt-Out Method : American Express never provided me with a clear method to opt out of credit reporting. As a consumer, I believe I have the right to control how my credit information is shared and used, but American Express has not honored this right. 

2. Unauthorized Sale of Credit Report : I recently discovered that American Express sold my credit report and personal information to a collection agency without my written consent. This action is not only a breach of my privacy but also a violation of consumer protection laws. 

I have documentation to support my claims, including correspondence with American Express and records of the unauthorized sale of my credit report. I would be happy to provide these documents to assist with your investigation. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against American Express for their actions. I also ask that you ensure that American Express implements measures to prevent similar violations in the future and provide me with compensation for any damages incurred. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I sent a request for mediation which was received by Wells Fargo on XX/XX/year>. I was told the process would take 30-60 days. On XX/XX/year>, I received an email from Wells Fargo stating that they had received my request and that I would be contacted in 30-60 days. I contacted them stating that it had already been over 60 days and would like to move forward and have my concerns addressed. Over the last 5 weeks, Wells Fargo has stalled and delayed to the point where there still has not been any progress to address my concerns and a date for mediation has not been scheduled. There has been very little communication or accountability from Wells Fargo and they do not seems to be concerned about providing any customer service to those who were cheated and frauded by their unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Mortgage

Specialized Loan Servicing ( SLS ) is claiming to control the rights to collect on alleged debt # XXXX ( see attached ). They are claiming that this relates to a HELOC that was originated on XXXX with XXXX XXXX XXXX. The original and correct XXXX XXXX XXXX account number is XXXX. The account numbers do not match in order to prove up the ability to collect on the alleged debt. Per the FDCPA 16 US Code 1692G, complete verification of the debt is required to proceed with collection activity. SLS is also claiming that true ownership and debt transfer verification can be found on Mortgage Electronic Registration Systems ( MERS ) with the Mortgage Identification Number ( MIN ) listed in the aattached documents. The MIN number is not listed anywhere on the documentation and per my conversations with SLS, they do not have one listed in there system. SLS also stated that there is no affidavit or note allonge to prove up the validity or debt transfer. SLS has not proven up the rights to collect on this debt and should cease and desist any further collection activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These above accounts where involved in identity theft and and not mines I was XXXX
Product: Mortgage

Freedom Mortgage purchased our mortgage from XXXX XXXX in XXXX. Freedom began soliciting us late XXXX to do refinance with them. In XX/XX/XXXX we agreed to begin the streamline refinance process due to the low cost and claimed 60 days or less to complete. Months and months go by as Freedom would never follow up, call, explain anything happening in the process. XX/XX/XXXX I again contacted Freedom and they advised they needed copy of our SS cards to move on, no one had called me to ask for this. This was only after I had requested and dozens of calls. I send XXXX XXXXCustomer Advocate Direct Number : XXXXToll Free : XXXX ext. XXXXFax : XXXX Email : XXXX the requested documents days and have email confirming she got it. Then XX/XX/XXXX we were advised they need copy of our survey, which was promptly provided. XXXX XXXX we call XXXX XXXX XXXX company to find status, they advised that they never got the survey from Freedom Mortgage. We then send them the survey directly. There is again XXXX and XXXX of endless calls to both Freedom and XXXX XXXX to find out if anyone is actually doing the refinance. Finally we get closing date on XX/XX/XXXX and notary comes to the home and we sign our documents. During this time we are advised not to pay XXXX or XXXX 's home payment and first payment due is XX/XX/XXXX. We have received 3 collection calls from Freedom and they have billed us a late fee with Agents providing claims it will be waived, account notated, but still demanding payment. Despite our closing documents. XXXX XXXX we are notified that the refinance is not acceptable due to failed Warranty Deed and only Freedom can fix. We were advised that we would be contacted in 72 business hours. We have not received any calls from Freedom and I have spent over 2 hours on hold XX/XX/XXXX, more lies from customer care and zero response to our concerns. We believe they are being deceitful in order to gain late payment fees, collections on our home, and/or damage our credit. We feel that this is clearly trained and expected behavior by freedom mortgage and their staff to confuse, lie and be deceitful to gain financial gains at the cost of the customer. There are also no effort to ensure that our rates will be honored despite Freedom failures in their own process and procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below 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

Experian verified a BANKRUPTCY on my credit report under an inaccurate court name. Experian has the court name listed inaccurately as US BKPT CT GA XXXX but the actual name of the court is UNITED STATES BANKRUPTCY COURT XXXX XXXX  OF GEORGIA. This places experian in violation of 15 USC 1681 ( b ) ACCURACY OF REPORT.
Product: Credit card

This is not additional information on complaint XXXX. 
I sent the email below to XXXX on XX/XX/2017 telling him to put a note on my account and tell his employees to not contact me by phone again, only by mail, because they are harassing me!! Since I sent the email they called me again on XX/XX/2017 at XXXX an XX/XX/2017 at XXXX, so I am now sending it to your office to deliver to him too! His employees have been rude and unhelpful every time I contact them and he makes excuses for them, once I do pay this account off will be closing the account because of the horrible customer service, is no wonder there are so may complaints online for the same!! 




















Sat XX/XX/XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX, I am having a problem with my account. I lost my job unexpectedly some time back and so my payment is now past due for XX/XX/2017. I contacted your account department to let them know what was going on and that I could not make a payment until the unemployment check was in my account, which will not be until mid next week. They then called my cell phone this morning at XXXX and woke me up ( from XXXX ), after I had just fallen asleep finally just a few hours before due to my concerns over the job loss, no promise of a new job yet even after sending out hundreds of resumes and interviewing with several employers, still waiting to find out if I am hired or not, having no financial help because I am only XXXX years old and already widowed twice and now both of my parents and their spouses are in theirs XXXX 's and have had XXXX, XXXX and XXXX so leaning on me at times. 




I want my account noted that I do not want to be contacted by phone or email, only by mail going forward. I am aware of the balance on my account, have never been late on a payment with you before, but can not pay my payment until I have money to pay it with. I live about two hours from the nearest XXXX 's location in XXXX, XXXX., but if you have a position open that will pay me enough to live in that area again in one of your stores I would be happy to take it and pay off my balance sooner. I am trying to get back over that way anyway, because there are more jobs closer to the city. I have also held high end retail jobs in the past with XXXX, XXXX, XXXX. 




Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

I started to refinance in XXXX from Mr Cooper former Nationstar and I singed disclosure on XX/XX/XXXX provided documents requested. Loan officer XXXX XXXX said I was approved on XX/XX/XXXX. Then processor XXXX XXXX took over and started to request the bank statements, mortgage statements and insurance declaration and HOA statements all over again and I provided them again. Then she requested many other items one by one without end. I sent numerous emails and made phone calls and she never responded. 

So I complained to XXXX her supervisor and requested to provide list of items she needs all at once. She still did not do that. I continued to provide what she requested for 2 months and she often required what I provided again. XXXX XXXX said if I pay off my credit debt, XXXX will set up closing on XX/XX/XXXX. I did and sent receipt. Then XXXX came up with another issue of XXXX XXXX XXXX which I never did. I explained. Then she said my Brilliant Business License is delinquent and I renewed. After I provided everything they requested and it was Mr Cooper which took time, they denied my loan saying my credit was not good. My mid credit score is XXXX. 

Then I told them I would report to CFPB and FTC if they do not close the loan. Then XXXX XXXX sent email and said they would reinstate if I provide XXXX statements for my two properties. XXXX XXXX XXXX XXXX XXXX WA and XXXX XXXX XXXX XXXX WA properties. I still do not know why they requested XXXX statements again although I already provided XXXX and XXXX statements. I provided XXXX statement in XXXX and provided XXXX statements on XX/XX/XXXX again. But they sent online decline on XXXX after I did everything they requested for 4 months. They said the reason the loan was declined was due to my credit. The credit check was done on XX/XX/XXXX and my credit was good and that is why loan was started and I also refinanced 3 other properties recently before Mr Cooper-Nationstar. So it can not be the reason. If my credit had not been good, XXXX XXXX should have declined on XX/XX/XXXX without wasting 4 months of my time and the employees of Mr Cooper time. There are all email traces that show how poor, inefficient and careless they services were and how they neglect and ignore their customer. 

As a XXXX and an XXXX, I did many loans and helped my numerous clients in getting loans and I also refinanced 3 other loans recently but have never experienced such poor business practice as Mr Cooper does. It feels like they are playing with customers. I XXXX and found complaints from many other customers and some said Mr Cooper-Nationstar was the worst company they had. I feel and think something must be done to stop such unfair and bad and poor business practice so that other people do not go through what I and other clients did. Some companies are too big and they don't care and I think Mr Cooper-Nationstar is one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit and notice an account that was showing up as a charge off. I knew this was inaccurate, so I sent XXXX XXXX a letter to investigate this back in XXXX of XXXX With their investigation they updated the account and removed the balance they were reporting, as well as they sent me a refund check on that loan ( which was the same amount that they showed I owed. ) So obviously it was inaccurate. Then I sent a letter in XX/XX/2022 to EXPERIAN to investigate the account because EXPERIAN is still reporting it as a charge-off in the payment status. There has been no update, no investigation and this error is harming my ability to finance a home. The account was never charged-off. I have included The letter I sent to them, a copy of the check they sent me for the refund, and the copy of letter I sent to EXPERIAN. A PROPER INVESTIGATION, NOT JUST VERIFYING THAT THE NAME AND ADDRESS MATCH, THE ACCOUNT IS REPORTING CLOSED, SO DO NOT RESPOND WITH WE VERIFIED THIS ACCOUNT AND THE ACCOUNTS REPORTING CORRECTLY .... BECAUSE IT IS NOT REPORTING CORRECTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent several request to LexisNexis requesting my report. I still have not received that report.