23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First, my home mortgage was involuntarily by XXXX XXXX XXXX to Nationstar Mortgage. 
Nationstar Mortgage has no convenient payment methods available to their customers without a fee and they are located out of Illinois, where I reside. I made my monthly payments. After making my XXXX payment, I received a letter and a notice for a certified letter from Nationstar Mortgage. The letter stated that I was two ( 2 ) months past due and that I owed a total of nearly {$2500.00}. Well, after seeing this I went to the online account information and discovered that my monthly mortgage payment had increased in XXXX 2015 to {$1000.00} and some odd cents. In XXXX I had sent my normal payment of {$840.00}. I called them right away to find out how they could be missing my payment when I had proof that the {$840.00} was withdrawn from my account. I was then informed that my account was short {$210.00}. 12 and that 's why they had n't applied it to my mortgage payment. Customer Service explained that they held the payment and they were trying to contact me. I have my number on file my email address on file and I receive mail at my home and my mailing address and it took them over 30 days to notify me my account was missing two ( 2 ) increased payments. I immediately contacted XXXX XXXX because I was already nearly {$2500.00} dollars delinquent and it was already the end of XXXX. 
When I got my member file together and spoke to a XXXX representative, the representative listened to my story and contacted Nationstar to try and clarify why the monthly mortgage payment had increased. She discovered that my Escrow had increased. Well, this was surprising because my property taxes had decreased for this year. I think the insurance payment remained the same. I telephoned the Nationstar Escrow department and I was told that XXXX XXXX XXXX allows a Mortgage Loan client to have a negative Escrow balance and that they passed off the loan from XXXX XXXX XXXX with a negative Escrow balance, but Nationstar does not allow for a negative Escrow balance. Well, again my loan has been caught in a trick bag. Nationstar, also reports that the loan in ineligible to drop the PMI because my payments have been more that 30 days late. All of this has been error after error by XXXX and Nationstar. These mortgage lendors are dealing in unscrupulous practices that need to be investigated.
Product: Credit card

XX/XX/XXXX I was approached by XXXX Attorney XXXX, located in XXXX CA, who claimed to be representing GE/Stein Mart, a credit card company from whom I had a credit card. I contacted XXXX requesting information on the debt, specifically invoices from the pro ported credit card showing purchases, payments and other information. The initial letter was sent XX/XX/XXXX. A follow up letter was sent XX/XX/XXXX after receiving no response to the first. I have yet to receive the information requested pursuant to the Fair Credit Reporting Act 1681s-2 and the Fair Debt Credit Protection Act. Last month I was rejected for a refinancing of my mortgage by the current mortgage holder, XXXX XXXX XXXX, in part due to this negative item on my report. This card, like several others, incurred a drastic increase in interest without notice and without cause in XXXX. I believe this was caused by a bankruptcy I filed that DID NOT INCLUDE ANY CREDIT CARD DEBT. I never missed or was late on a payment but multiple credit card companies increased the interest rate without notice or cause. I paid the increased interest for one or two years without realizing they had increased the rate. I have filed complaints with the CFPB and the other card holders on other creditors who did the same thing over the the same period and in at least one case the account was removed from my credit reports because it was found that the amount due was drastically incorrect when considering the overpayment of interest. In fact, the credit issuer owed me money. I am certain this credit card falls into the same circumstance but have been unable to get a response so I can perform the calculations to support my claim. I am including calculation of similar instances from another credit card company as an example of what I am certain is the case with this credit card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute two inaccuracies on my credit report related to XXXX XXXX XXXX, XXXX. : Unauthorized Hard Inquiry : XXXX XXXX XXXXXXXX, through representative XXXX XXXX, ran a hard inquiry on my credit report using my Social Security Number without my explicit consent after opening up a complaint with the BBB for inaccuracy number two.I did not apply for any loans, credit, or accounts that would require a credit check. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a creditor is required to obtain express consent or have a permissible purpose to access a consumers credit report. This action violates the FCRA as I did not authorize or provide consent for this credit inquiry. 

Incorrect Reporting of a Closed Account : XXXX XXXX XXXXXXXX re-added a charged-off account to my credit report that was previously removed. I am not liable for this debt with XXXX XXXX XXXXXXXX. I do not have a contract with XXXX XXXX XXXXXXXX. They did not provide me with the original contract as requested in my previous complaints and communications. This debt was the subject of a court case ( XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX ), which was dismissed without prejudice on XX/XX/year>. 
Reporting this account as active or delinquent is inaccurate and violates the FCRAs requirement to report only accurate and complete information, as outlined in 15 U.S.C. 1681s-2 ( a ). 

Retaliatory Actions : The timing of these actions suggests possible retaliation for a complaint I filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
After filing the complaint, the unauthorized hard inquiry was initiated, and the charged-off account reappeared on my credit report. Representative XXXX XXXX, who initiated the hard inquiry, has ceased responding to my calls and emails for months.
Product: Payday loan, title loan, or personal loan

My title loan with Ally Financial was paid in full with XXXX on XX/XX/2022. I was told by Ally the lien release and payoff letter would be mailed within 5 business days. I have contacted the company several time and still have not received the documents. I have been told by them the documents have been or would be mailed. I received and email from them on XX/XX/2022 stating the documents were mailed. On XX/XX/2022 I was told the documents would be sent via XXXX. I still am not in possession of the lien release or payoff letter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$4800.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In the original correspondence, I furnished my identification to verify my identity so that there would be no confusion. I have corresponded with BB & T because this company is reporting 30 days late in the month of XXXX when I had XXXX. Once I overcame the sickness, I called immediately to not only make the necessary payment to satisfy the account but to also report having the XXXX XXXX  on XX/XX/XXXX. I immediately mentioned that there was a COVID-19 relief where delinquent payments or missed payments would be forgiven or not reported under the Biden Administration Cares Act. This did not happen ; I presently have 30 days late ( derogatory statement ) on all three credit bureaus. That reporting is grossly inaccurate per the COVID-19 relief and/or per a first-time late that is used by BB & T when a customer has never been late. This R1 derogatory 30 days late must be removed immediately from all three credit bureaus per the COVID-19 relief which was engaged on XX/XX/XXXX when I made the payment. I received a message back stating that they would not change it per XXXX XXXX, Collection Production Mgr. 2 due to me calling on XX/XX/XXXX. I stated in a return letter that I could have never made such a call and demanded to hear this recording and could medically prove that I couldn't even breathe during this time frame due to the COVID - 19.
Product: Debt collection

I received a notice from Paragon Revenue Group that they were attempting to collect on an alleged invalid-unverified medical debt from XXXX XXXX XXXXXXXX in the amount of {$270.00}. I am unaware of this debt and my rights have been violated pursuant to the HIPAA act and the Fair Debt Collection Practices Act.
Product: Debt collection

I reached out to XXXX XXXX XXXX on XX/XX/2023 in regards to the inaccurate information the business was reporting. They intern sent me a outdated lease, and some more papers they considered validated the debt. I sent them the paid recipt and email verification. i received a call from a screaming woman stating she was an attorney and et. i explained to her that they bought outdated information that could potentially land hemin court she hung up. I kept asking her her name she kept yelling saying she was an attorney and if I couldnt provide her with a check number then it will stay on my credit. I personally would like to see them in court. I was very intimidated by the threats and offended because in all actuality they are fraud. Conspiracy to hinder the fruits of my labor.
Product: Debt collection

This company is calling me and my family members about a debt that they say that I owe. The company that they say I owe the debt to I am current with. I asked them to cease communication but they refuse to stop.
Product: Credit reporting or other personal consumer reports

Please remove hard inquries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know if I ever took this loan out. I haven't been getting credit for my payments. Texas Guaranteed sued me in Texas, i live in New York, and garnished my wages prior to the judge giving them permission to per the court paper work i have. Now Texas Guaranteed is called Trellis. I am not getting credit for the payments I'm making them. NSLDS is not being updated with the payments I'm making them and they sent me proof they are reporting the payments to nslds. I want proof this loan was taken out by me, something with my signature saying that I took this loan out and it went towards my college education. Otherwise it could be an internet crime, fraud or identity theft, etc. I have police reports on file. On my credit report it states i have not been paying the loan & its in defeat and that's not true. I've submitted disputes with all 4 credit reporting agency 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car and made the first payment over the phone. I told them I wanted to set up Autopay. The autopay never came out, but I was unaware they failed to set it up and the customer service agents XXXX was so broken I couldn't understand anything they were saying. 

COVID happened, my wife got sick and was paralyzed as a result. I was struggling to take care of her and the household during COVID and the company hit me with multiple late fees XX/XX/XXXX to XXXX / XX/XX/XXXX. They repossessed the car. 

I called them and was surprised to hear they never set up autopay. I said I could pay a late fee and the past balance right then and there and asked them why they didn't do autopay to begin with. 

They told me I needed to pay the entire car loan in full or not get the car back. 

I needed the car to care for my XXXX  wife and deal with finding work during COVID. My mother trusts me and she took out a loan in her name with more interest, I paid off the company and am paying my mother back. 

1. I believe the CAREs Act protects consumers from having negative ratings on their credit if they are current on their bills. I paid off the car almost 5 years early. 

2. Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( 3 ), the term consumer report does not include .... - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Congress stated that experiences between consumers and the person making the report should be excluded from the report. The company lent me money, I paid them back. Legally, according to Congress, that is all that should be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete all inaccurate information with transunion. alot of information is invalid. this has been an ongoing issue that has been hurting my file. please review an delete all data submitted to delete the inaccurate information asap.
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the erroneous items from my file caused by incorrect credit report information. However, there are still items that need to be addressed. This is my new complaint as I have been affected by inaccurate credit report data. I am disputing a particular account in my file due to this issue. The account I am disputing is not related to any transactions involving the possession of goods, services, or money that I have made or authorized. Specifically, please remove the following item from my credit file due to incorrect information : XXXX XXXX XXXX Date opened : XX/XX/year> XXXX Balance : {$0.00}. This account is unknown to me. Additionally, the information for this account has been deleted from other bureaus, which raises doubts about its accuracy. The reported payment history on the account is also unfamiliar to me. As required by FCRA 605B ( c ) ( 1 ) ( C ), please decline or rescind this information.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2022 I applied for a credit card offer promising a {$200.00} bonus after spending at least {$500.00} dollars within 90 days of approval. After I spent the necessary {$500.00} dollars I noticed I still hadnt received my bonus so I contacted the company on XX/XX/ 2022. I was then told that I had applied for the card offer which didnt include the bonus which isnt I sent the proof then I was told that I was declined for that offer but they didnt acknowledge the fact that they still sent me a card even though I was declined for that offer without letting me know that I was declined for the offer which I had applied for. If they had just declined sending me the card true. When I told them I had applied for an online email offer. I was told to send the proof which I did. After because they felt I didnt qualify for offer that would have been fine with me but they pulled a bait and switch on me by sending me a card with the promise that I would receive the {$200.00} bonus that was promised me in the beginning. Ive recently looked at the XXXX site and have noticed that Im not the only on whos been tricked by Capital One with this bait and switch offer.
Product: Credit reporting or other personal consumer reports

Account in question is XXXX XXXX XXXX XXXX XXXX. Can't verify the account with half of an account number and this account has been disputed more than once for inaccurate information. 
This item was removed from my credit report between the dates of XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX then reinserted within those same dates without proper written notification within 5 business days to me as cited 15 U.S.C. 1681. This was disputed on XX/XX/XXXX. 

Again, I disputed for inaccurate information on XX/XX/XXXX, and the incompleteness of the account. Also, the re-aging of the account from the inaccurate updates as a response to prior disputes. This is due to the closing of the account and marked as charge since XX/XX/XXXXXXXX Then from XX/XX/XXXX to XX/XX/XXXX there was no information to report. It then popped up as a new account in XX/XX/XXXXXXXX XXXX XXXX  and started reporting as if it was an active account. This is also in violation of my consumer rights under 15 U.S.C. 1681, hence why I can not let this continue to violate my rights and negatively impact my credit report which is detrimental to my livelihood. 

Finally, there are many different variations of my personal information which is also misleading to creditors when checking my credit worthiness, I am seeking credit. This has to stop as I have been taken advantage of for too long.
Product: Bank account or service

My Serve prepaid account was closed. I have yet to request our FINAL statement ledger showing deposits, withdrawal and ending balances. We were only sent some statements but not all. Most importantly the final accounting of the main Serve account as well as the XXXX subacccounts associated with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus about the fraudulent items and inquiries on my credit report and they still haven't taken them off yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted claim # XXXX on XXXX-18. Equifax responded to me - received XXXX-18.

Their 4 page response had this at the end. 1. Current address has been added. 2. We have reviewed your concerns and our conclusions are : Your Equifax credit file is currently blocked for promotional purposes. 

I knew before their report that my credit file was blocked. Can they block my file " for promotional purposes ''? If they can do what they want with my file, how can I get it pulled ( deleted ) from them? 

I think this is a regulatory issue. Please tell me how the law and regulations apply to my case.
Product: Credit reporting

Experian has reinserted a credit account that was fraudulently opened without my consent. I disputed this account some years ago and it was never validated nor verified with myself nor Experian. I just so happen to look at my credit report and there is a number of accounts that is fraudulent. Applied bank was removed and reinserted without verification nor validation. I contacted the credit card company and they never sent me a copy of the signed credit agreement with my signature on it. XXXX is the other account who was reinserted without verification nor validation. XXXX was also asked for a copy of a signed credit card agreement with my signature stating I applied and agreed to this card and they could not provide the information. XXXX XXXX is a computerized number and that does not constitute verifying information. XXXX funding was contacted as well and they failed to show how they own the account, did not send copy of agreement with my signature on it as well. This is my last attempt to resolve this matter. I will be pursuing legal action for these unvalidated and unverified accounts are hindering my credit score tremendously. No consumer should have to endure this foolishness when it comes to getting proof for validation. There is a Bankruptcy on here that does not belong to me. I called the courts and they do not verify information over the phone. Third party companies are not a valid method of verification. Im sure Experian did not talk to anyone concerning this Bankruptcy because the courts do not verify over the phone. Bankruptcy do no share information with third party companies. XXXX and other third party companies are not a valid verification. This bankruptcy was reinserted which I disputed a long time ago and Experian removed the bankruptcy, XXXX, applied bank and now they reinserted without legally verifying or validation failing to alert me of they was reinserting without proper verification.. XXXX account was disputed I was never late on this account and they never got in touch with the company to verify or validate. I know for sure they did not confirm because they wont even return my calls.
Product: Debt collection

with the EVIDENCE by the XXXX-COMPLAINT- CLAIMANTS'-EVIDENCE with the DOCUMENT-CONTRACT-FEDERAL-POSTAL-STATION-COURT-VENUE'S-PARSE-SYNTAX-GRAMMAR-CERTIFICATION-CORRECTIONS of the FEDERAL-FALSE CLAIMS-ACT, FRAUD & : MISLEADING-STATEMENTS : TITLE- .... XXXX : XXXX ... XXXX & : TITLE -- XXXX : XXXX -- XXXX FRAUDULENT-LANGUAGE with the FEDERAL-SECURITIES LAWS, RULES, REGULATION, CODES, BOXING, CERTIFICATE-ITALIZING-WORDING=VOID-OMIT '', ADVERB-VERB-SYNTAX, NO-CONTRACT-PARSE-WORDING by the SECURITY-ISSUER with the FRAUDULENT-BACKED-NO-AUTOGRAPH-CONTRACT-BACKED-SECURITY-PARSE-SYNTAX-GRAMMAR. FOR THE FRAUD-PARSE-SYNTAX-GRAMMAR-CONTINUANCE-SINCE-DATE- .... XXXX ARE WITH THE PEOPLES ' -DAMAGE-CLAIM AS THE S. E. C. -EMPLOYEES USE OF A " 2ND-GRADE-WRITING-LEVEL ''.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumers protection laws, and I request your assistance in investigating this matter to ensure my right is upheld. Thank you.
Product: Debt collection

Hi - I have requested the Method of Verification & Validation of debt from the United Collection Bure account # XXXX. I have not received an response in over 30 days. However, they have placed this information on my credit report. 

Per the FCRA, I have the right to request a description of the procedure used to determine the accuracy and completeness of the information.
Product: Mortgage

This property has been under contract since XX/XX/2018. Select Portfolio Servicing is  the only lien holder. 

SPS is dragging the process out and it appears that every 30 days they are asking for the same document over and over again to prolong the process. 

Can you please assist in making SPS escalate this file? As stated above, the property has been under contract since XX/XX/2018. SPS has been asking documents on a piece meal manner, deliberately prolonging the whole process. We are risking of losing the buyer with a very very good offer because of this. Thank you for your assistance with this matter.
Product: Checking or savings account

It appears that in response to my complaints against the bank it decided to illegally harass me by denying access to my account. Today when I entered my usual ID and password, I got the message that those items " do not match '' which is a lie! This illegal harassment prevented me to pay my bills.