23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received letter from XXXX XXXX dated XXXX XXXX, XXXX with the subject : Your mortgage is being transferred to a new servicer, Mr. Cooper on XX/XX/XXXX. 

XX/XX/XXXX. - Paid off mortgage to XXXX XXXX via phone. Paid {$10000.00}. 

Received statement from Mr. Cooper dated XX/XX/XXXX with a payment due of {$1100.00}. 

Received a payoff quote from phone request dated XX/XX/XXXX. The payoff amount was {$11000.00}. The quote listed the {$10000.00} I paid to XXXX XXXX under Additional Funds as Unapplied Funds. 

Loan paid off per phone call to Mr. Cooper on XX/XX/XXXX. 

Received Notice of Servicing Transfer from Mr. Cooper on XX/XX/XXXX. 

Received statement dated XX/XX/XXXX with an amount due of {$1500.00}. It included a regular payment of {$1100.00} plus fees and charges of {$380.00} which I paid off with my loan payoff to XXXX XXXX. 

XX/XX/XXXX - phoned Mr. Cooper. Escrow balance {$0.00}. Automated response : heres a summary of your latest loan information ( I heard nothing! ). The automation said my payment is zero and no payment history is available at this time. 

XX/XX/XXXX - talked to Mr. Cooper representative at XXXX XXXX XXXX 

XX/XX/XXXX - Paid Mr. Cooper {$1000.00} ( XXXX ) for homeowners insurance they paid to pay off loan via XXXX ( XXXX ). She said she would code it so Account Services would be aware of the payoff so they could close it out. 

Received a statement dated XX/XX/XXXX with an amount due of {$2700.00}. This amount included the XXXX payment due. 

Received a payoff refund check of {$3.00} dated XX/XX/XXXX. 

XX/XX/XXXX - Emailed letter to XXXX with the subject : XXXX XXXX. Received automatic reply that said my email was received. Please allow up to XXXX business days for a review. 

XX/XX/XXXX - Emailed letter to XXXX with the subject : Appointment. Received same automatic reply : Your email has been received! Please allow up to XXXX ( XXXX ) business days for review. 

Note : I called Mr. Cooper and XXXX XXXX several times but the above sequence of events is what I have documentation of.
Product: Credit reporting or other personal consumer reports

I asked XXXX to investigate and remove Incorrect negative information being reported to my credit profile. They delayed the process as much as possible before i realized they hadn't actually performed the investigative efforts required by federal consumer laws. their negligence is aiding in my financial hardships and causing me much stress and XXXX Thus the reason i have filed this complaint.
Product: Debt collection

1st. I received a summons to appear in court. I had received no notice of closure of the account. I received no other contact via mail. I did not receive a notice 15 USC 1692g ( d ). This is a clear violation of my rights and I expect it to be properly investigated and prosecuted.

2nd. The sum being requested for repayment far exceeds any credit account that I ever have had in my life. No amount of garnered interest can account for the inflated demand of the litigation. ( {$9400.00} ) 3rd. The suit is being brought forward by XXXX XXXX XXXX in XXXX  registered XXXX XXXX Nonclassifiable Establishment. This seems like an obvious deception attempt. Wouldn't a Law Firm that was providing strictly legal services register as NAICS 541100 - Legal services. They can't register as a legal service because they are providing ( financial services ). But they can't register as a ( Financial services ) because that would make them a junk debt buyer and then they couldn't sue on behalf of there clients if you guys actually put 2 and 2 together.

4. Also lets take a look at this " Nonclassifiable Establishment '' XXXX registration because XXXX XXXX XXXX is where they lawsuit was filed. In XXXX they have registered agent with a company called XXXX XXXX XXXX XXXX Who also has a registered agent with a company called XXXX  XXXX XXXX out of XXXX XXXX XXXX Now here is the kicker, XXXX  XXXX XXXX has a registered agent of XXXX XXXX XXXX XXXX XXXX who has listed XXXX XXXX XXXX as there registered agent. This means that those entities loop back onto each other. I'm sure there is nothing illegal about that right. 
I also noticed that the cfpb seems to not take the side of the consumer even if that is directly in the name. How do I know this well i have looked and seen all the complaints that have been brought forth to you about this company and it appears all they need to do is just say hey guys we did our job right and you all brush it off. So I will be including a copy of this notice to a large panel of our elected officials. Your boys club protecting the debt collectors is over.
Product: Vehicle loan or lease

Nissan Motor has been consistently reporting my auto-loan as delinquent sine XXXX of 2017. However, I have been making my monthly payment before the due-date every month. Every month that I call in, I pay Nissan exactly what's due prior to the due-date, but they somehow can not seem to report my pay history correctly.
Product: Mortgage

Hello, In XXXX i was behind on two payments. XXXX and XXXX of XXXX. 
I had just got divorced and took on the house with all the bills, i also have XXXX  that live with me. Then i started the loan modification process months went by. Atlantic Bay mortgage wouldn't remove my wife from the loan without proof of papers from the court. Months went by as i was playing a phone/email tag game with them. Trying to get the right paper to them. Finally i talked to a lady that asked where the second page was. I was only given the first page by the court. So in XX/XX/XXXX, i got my package in the mail to sign for a trial loan modification process for three months. 
Three months went by with me paying XXXX for XXXX, XXXX, and XXXX. 
In XXXX of XXXX i got a message from them, saying i got an approval from the under writer. My new package arrived in XX/XX/XXXX for XXXX first new loan modified payment. 
XX/XX/XXXX, i made my first payment of XXXX haven't missed a payment from the beginning of the trial to the first new mortgage payment. 
I've sent so many messages to them i can't keep count, via there website secure message center. Asking why i started getting a late fee every month out of no where. So begun the phone call wars. Every day holidays, veterans day, Saturdays. 
I would revive a call, when i pick up the line i get an automated message saying to call XXXX back asap. Ive tried talking to them but i get transferred around so many times. Ive been hung up on so many time, because people just get sick of trying to read through all the messages on my account. I'm lost don't know what to do, I'm just making my payments every month. i just finished making this months payment of XXXX XX/XX/XXXX. It states i have a late fee of over 600.00, i just make my regular payment. 
The last email i sent to them cleared all this up, i even received an email from lady named XXXX from Escalated Payment Disputes ( XXXX ) on XX/XX/XXXX saying it was all cleared up after i sent her on the XXXX of XXXX a message showing all payments from XX/XX/XXXX to XX/XX/XXXX. I did as requested by XXXX XXXX email. XX/XX/XXXX she responded. " Dear Valued Customer, thank you for contacting us. We have recieved your recent inquiry regarding your mortage account. Our records indicate the account is current the payments have been corrected. '' Month went by with no phone calls everything was great, then mid XXXX the calls started again. Stating the same problem, i still haven't missed a payment. 
I can no longer call them, i always get someone who doesn't want to deal with it. 
I get transferred then i start getting angry after waiting for so long every time i call. 
Having to explain everything from the start of what happened every time i call or get transferred for over a year now. After making the payment today i found this website at the bottom of XXXX. 
Thank you for your time
Product: Mortgage

I was prequalified for a Mortgage by Quicken loans via Rocket Mortgage who engaged in deceptive business practices upon issuing an adverse decision against me after I was prequalified for a Mortgage. It is my good faith belief that the Lender violated RESPA, because I conveyed that had not yet found a Real Estate Agent who was a good fit. An Agent name XXXX XXXX was asked by XXXX to show me a property. XXXX lied and said that the property was under contract, with the intent to force me to look in XXXX County, ( A property where she probably has a location to sale ). However, I had my own living preference for work/lifestyle. So because I was taking my time and being careful with whom I selected as an Agent. The company sent me an adverse letter with the intent to discriminate against me upon taking action against my prequalification in violation of The Fair Housing Act ( FHA ) and the Equal Credit Opportunity Act ( ECOA ) protect consumers by prohibiting unfair and discriminatory practices ; and RESPA.
Product: Mortgage

I made my mortgage payment to Ocwen on XXXX XXXX, 2015, early as I do each month. When logging onto their website to pay the XX/XX/XXXX payment I observed that it was passed due. I immediately paid the full amount due. When asking that a late fee of {$23.00} be removed the call center rep stated since the mortgage payment had never been late he would " permit me to speak with his supervisor. '' Although I provided proof that the loan had been paid on their website the supervisor refused to waive the fee. I then advised her she was to cancel my pending payments. They did n't care that they payment not posting was their fault.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint to dispute the inaccurate and inconsistent reporting of an account related to XXXX Account number XXXX across different credit bureaus. Specifically, under 15 U.S.C. 1681e ( b ), I have identified several discrepancies that require immediate correction. After thoroughly reviewing my credit reports, the following issues have come to light : Account Name : The account name is different on each report. 
Original Creditor : The original creditor is different on multiple reports. 
Reporting History : The payment history associated with this account varies between the credit bureaus. 
Inconsistent Account Information : The account details differ significantly across the credit bureaus. 
Account Type and Remarks : The account type and remarks provided in the reports are inconsistent, and the account status differs in each report. 
Last Date of Activity : The last date of activity reported for this account varies between the credit bureaus, with differing remarks across the reports. 
Collector 's Information : The collector 's name, contact information, phone number, and address are different across the reports. 
These inconsistencies suggest improper updates that are misleading and harmful to my credit report. Despite these issues, the account was allegedly updated as accurate. 

I believe that the failure to properly investigate this account has resulted in the continued reporting of incorrect information. This neglect violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. 

Given these ongoing issues and the failure to correct them, I formally request that XXXX Account number XXXX be deleted from my credit report immediately. This neglect violates my rights under the FCRA, and I expect prompt corrective action. 

I have included copies of my credit reports, highlighting the inconsistent reporting across multiple credit bureaus. 

Rights Under 15 U.S.C. 1681n If this issue is not resolved, I will exercise my rights under 15 U.S.C. 1681n, which pertains to civil liability for willful noncompliance under the FCRA. Key provisions include : Willful Noncompliance : Any person who willfully fails to comply with FCRA requirements is liable to the consumer.

Damages : Consumers may recover actual damages or statutory damages ( from {$100.00} to {$1000.00} ), as well as punitive damages and attorney 's fees.
Product: Debt collection

Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you. 
SECURITY CREDIT SYSTEMS XXXX  Opened XXXX. XXXX, 2021 Balance {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, NC XXXX   BYMAILONLY THIS ACCOUNT DOES NOT BELONG T ME PLEASE REMOVE IT CREDIT CAN NOT LEGALLY VERIFY MY INFORMATION OR ANY AGREEMENT
Product: Credit reporting or other personal consumer reports

Identity Theft Affidavit Affiant Information Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : ( XXXX ) XXXX Email Address : [ Your Email Address ] Fraudulent Account Information Creditor Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$15000.00} Statement of Facts I, XXXX XXXX XXXX XXXX hereby declare that I am a victim of identity theft. The account listed above, reported by XXXXXXXX XXXX XXXX, was opened without my knowledge or consent. I did not authorize this account, and I am not responsible for any charges or balances associated with it. 

I have taken the following steps to address this issue : Filed a dispute with the credit bureau ( s ) reporting this account.

Reported this incident to the Federal Trade Commission ( FTC ). 

Filed this affidavit to support my claim of identity theft. 

Declaration I affirm, under penalty of perjury, that the information provided in this affidavit is true and correct to the best of my knowledge. 

Signature : XXXX XXXXXXXX Date : XXXX
Product: Mortgage

I applied to Citi mortgage on XX/XX/21 to refinance my existing loan. Since then, I am getting regular requests to provide monthly statements and other documents that keep expiring as Citi is unable to close the loan. 

My loan has been in the C & I Approval Final stage since XX/XX/21 and Citi keeps moving the date back to actually close the loan. The process has been tremendously frustrating. I have asked multiple times to provide me clear instructions on what's needed and when the loan will close, but there is no clarity on this matter. All the documents that I originally provided are expiring as they are usually valid for 4-6 months at most.
Product: Credit card or prepaid card

So basically I want to sign up for the online bank account or to see if I qualify for the prepaid Credit Karma card. 

The issue is I no longer have the email XXXX associated with the account. I was unable to contact Credit Karma on their website for some odd reasons to get help with updating my email with them.
Product: Debt collection

I received a billing statement through the USPS from WELLS FARGO BANK in XXXX for a total of {$420.00}. I noticed violations under the FDCPA and sent them an Affidavit of Truth on XX/XX/21 to enforce my consumer rights and invoke my specified remedy by way of certified mail Article # XXXX which they received on XX/XX/21. They refused to rebut my Affidavit point for point. Instead they sent me a Record of Application Information and stated they decline my remedy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a {$1500.00} payment from a client using Chase 's WePay payment processor. My merchant account # XXXX. The closed my merchant account citing risk for charge back. My account has never received a charge back and the client confirmed that the payment was processed by their card provider. 

I called Chase on XX/XX/2023 to get clarity on when I would have access to my funds, and they said it would be 120 days. A complaint was also filed by the XXXX XXXX XXXX at the XXXX XXXX, SC branch. 

Chase customer service has been vague about why this happened and they've been evasive with both me and their branch personnel about how to correct this. Their actions have cause me a financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections on my report that are NOT mine. I do no owe XXXX XXXX XXXX ( Account XXXX ). It is being reported on my Experian report as in collections. THIS IS NOT MINE. I had no balance. After I moved out. I have contacted experian and XXXX  to remove several times. XXXX  removed from my credit but not the other two agencies. This is beyond frustrating. I moved out of an apartment years ago and I had a XXXX balance. This is the only derogatory thing on my credit. This charge on my credit should not be there. I have proof that XXXX XXXX  removed it from my credit report. Please help. These buildings attempt to scam and make up things after you move out. If anything they owed me my deposit! I moved out the place was clean. I lived in a XXXX XXXX XXXX XXXX  alone! I didnt even wear my shoes in the apartment. It was spotless! I had no company over. There is absolutely no reason that I should be have some type of fee. THIS IS NOT MINE.
Product: Checking or savings account

XX/XX/2023 amount XXXX wells fargo just deny my claim even after showing them the proof and a police report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Information under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. I have attached copies of how XXXX and Navy Fed. the inaccuracies in the different section on the account they im disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following personal information is incorrect I have no knowledge of these account. I would like these account remove from my credit report. I have contacted all three credit bureau XXXX, XXXX and transunion. I have not received any response not a letter or anything. I have asked them to do a investigation and they have not. Its has been past 30 days and I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete a reinvestigation within 30 days of the letter and has not. 



2. The following personal information is incorrect Current Address es : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Previous Address es : XXXX XXXX XXXX XXXX XXXX, IL XXXX The following personal information is incorrect Employers : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX PREMIUM Date of inquiry : XX/XX/XXXX Employers : XXXX The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Employers : XXXX XXXX Account Number : XXXX Employers : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Employers : XXXX XXXX XXXX XXXX Account Number : XXXX Employers : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account UNITED AUTO CREDIT C, 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