23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX our home was sold at XXXX in a foreclosure auction, I filed Bankruptcy at XXXX XXXX XX/XX/XXXX ; and Since XX/XX/XXXX XXXX , My dad 's  mortgage company Nationstar , and myself, until Now I have been in an Assumption/ Modification process. 
Nationstar which is now Mr. Cooper had all but cured our Bereavement/ Hardship concerning our dads sudden XXXX XXXX XX/XX/XXXX when they agreed formally to work with me In XX/XX/XXXX after refusing to accept partial payment or negotiate a payment plan it was all or nothing when we were just 3 months behind ( back in XX/XX/XXXX ). 
I was very meticulous in getting and sharing any, and everything requested by Mr. Cooper and then later XXXX XXXX requested documents all while allowing me to : Open Probate XX/XX/XXXX Restart My XXXX XXXX XX/XX/XXXX Qualify Financially ( provided 6 months bank and P & L statements From XX/XX/XXXX - XX/XX/XXXX ) Renovate/ remodel our home From XX/XX/XXXX -  XX/XX/XXXX I was really wandering why it was taking so long for an approval I was aware that some sort of comradery and teamwork was going on so I did n't think for a moment that Mr. Cooper would inadvertently sell without giving me an opportunity to provide more document ( s ) from the court ; especially since I 've been in compliance since the sale dates first started being postponed. 
As a Leader in Our Community, and a great lover of people one of my Biggest Failures is not Finishing what I start, Please help me to Finish the Good work that has begun even by allowing us to Remain In and to reestablish that good name that our Dad Begun with us In This HOUSE over 56 years ago! 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are reporting erroneously on my credit and I suspect it's the product of identity theft, I disputed this once already the accounts are as follows : XXXXXXXX XXXX XXXX- {$890.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$700.00} XXXX XXXX- {$340.00} XXXXXXXX XXXX XXXXXXXX {$9700.00} XXXX and XXXX XXXX are reporting the same account. This should not be reporting twice.
Product: Debt collection

Cascade Financial Services has continued to report a debt on my credit report that is not mine. I have requested that this information be removed from my credit report and they have not.
Product: Mortgage

I contacted Wells Fargo after sending in my hardship and financial paperwork and there were a few items they requested on XX/XX/18, I returned those documents on XX/XX/18 and they confirmed they were received on XX/XX/18 but they scheduled a sale date on XX/XX/18 for XX/XX/18 and said they because they received the documents less than 37 days before the sale date they can not help me and I need to reinstate if I want to keep my home.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage from JPMCB HL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB HL and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and JPMCB HL with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries from XXXX XXXX ( XX/XX/2020 ), COMENITYBANK/VICTORIA ( XX/XX/2020 ), & XXXX XXXX XXXX XXXX XX/XX/2020 ) that I do not recognize nor did I authorize.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 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

Receivable Performance Management company continues to call my home, cell phone, and now my place of business from several different numbers. When I answer the phone, I get no response. Finally when someone does respond, they wo n't tell me why they are calling me. They continue to call several times a day harassing me and not telling me the reason for the call. They ask me to confirm my name and address. After I have done so, they still wo n't tell me why they are calling. This has been going on too long and each time I block their number, they call from another number. They have called from XXXX, XXXX, and XXXX. I have asked that they stop calling me and they continue to contact me. The address and main number for this company is as following : Receivables Performance ManagementXXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent account and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this several times over the past 2 years and it has not been resolved. It is constantly working against my credit score. I am a business owner and my credit is very important to me. I pay all my bills on time. I have also contacted the creditor and have been told that it will be corrected and it has not.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

In XXXX, 2016 I separated from my now ex husband. On XX/XX/2016, my ex husband was ordered by court to pay the XXXX XXXX mortgage on time and in full by the XXXX of every month. Only my name is on the mortgage. I have have gone to court over XXXX times to get him to pay the mortgage which has been extremely late every month. XXXX XXXX has refused to help address the negative factors on my credit report due to his failure to comply with multiple court orders. The mortgage has now been sold but my credit is destroyed due to the negative reporting by XXXX XXXX. 

I want my credit cleared of the negative marks as this has nothing to do with me.
Product: Debt collection

XXXX XXXX XXXX is reporting an account in the amount of XXXX on my credit reports that has inaccurate information as far as amounts and dates that have been reaged. This account was opened by XXXX XXXX XXXX was opened XXXX XXXX of XX/XX/XXXX and charged off XX/XX/XXXX. I voluntarily surrendered the vehicle and dont understand all the charges they are attempting to collect along with the re-aging of debt showing a new/ opened account by XXXX XXXX XXXX , opened XX/XX/XXXX. This was charged off XX/XX/XXXX. not XX/XX/XXXXand they could not give me a detailed bill of charges either after I requested.This has really damaged my credit. These are unlawful charges they are attempting to collect.
Product: Credit reporting or other personal consumer reports

Experian continues to report fraudulent accounts and inaccurate payment statuses despite my submitting an FTC Identity Theft Report and escalating my disputes to the CFPB. The accounts in question include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ** Additionally, closed and paid accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are incorrectly marked as " Late 30 Days, '' violating FCRA Section 623. This negligence mirrors the issues outlined in the CFPBs recent lawsuit against Experian for inadequate investigations and mishandling of consumer disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called Capital One is furnishing incorrect and incomplete information on two accounts on my credit reports. I have made several attempts to have these items corrected. I have sent letters containing print outs of how the accounts are showing on my XXXX, XXXX XXXX and XXXX credit reports with marking to indicate what needed to be corrected. The company 's inability to fix these errors in their reporting is causing me financial harm. 

Under the Fair Credit Reporting Act ( FCRA ) I have the right to have a 100 % complete and accurate credit report. Capital One is violating my consumer rights. 

I am attaching my most recent correspondence. As prescribed in the FCRA, I initiated contact with Capital One through the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these hard inquires are fraudulent I didn't authorized these inquires i never applied with these companies Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Collections
Product: Credit reporting or other personal consumer reports

Insufficient Investigation Results and Failure to Provide Verification Details To Whom It May Concern, I am writing to express my dissatisfaction with the outcome of your recent investigation related to my credit report In my original dispute, I requested that you provide detailed information regarding the verification of the bankruptcy listed on my credit report, including the name and contact information of any third parties involved in verifying this information. According to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to provide this information in writing, explaining the precise process and the sources used to validate the information. 

However, your response only directed me to log on to your website to obtain these details. This does not comply with FCRA requirements, which mandate that you provide the following directly : 1. The name, address, and contact information of the third party that verified the bankruptcy information on my credit report.

2. A detailed explanation of the investigation procedures you conducted to verify this information.

3. The method and evidence used to validate the accuracy of the reported bankruptcy.

Failure to provide this information violates my rights under the FCRA. Therefore, I am requesting that you immediately comply with your legal obligations and provide the information requested. 

Should you fail to provide this information within 15 days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's Office for non-compliance. 

Please consider this my final request before I escalate the matter further. 

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

In accordance with the Fair Credit Reporting Act on my current credit report from the three credit agencies, TransUnion, XXXX and XXXX, Reference # XXXX and 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 card or prepaid card

Well, Chase Bank has as part of their EULA on their credit cards that if a card isn't used in a year they'll drop you as a customer due to lack of use.

With {$35000.00} worth of available credit on cards if I wanted them, and another {$25000.00} on a signature loan if I wanted it, I have no desire to have this small value ( {$2500.00} ) high interest rate ( 26 % ) card on my account.

I waited 18 months ; called them up and they couldn't give an explanation why they hadn't dropped me as a customer. They agreed I should have been dropped- but they refused when I called them. I refuse to fill out the paperwork to BE dropped as I don't want to take the " hit '' on my credit score. 

So this is a rather unique situation where they refuse to drop me as a client. 
I refuse to fill out the paperwork to be dropped.

The balance has been " 0.00 '' now going on 20 months ( as of  XX/XX/2020 ) so I'm filling out the OPPOSITE kind of complaint you normally would get!
Product: Vehicle loan or lease

In XX/XX/2018 my vehicle was totalled at the time the accident happened I owed {$33000.00}, my insurance company sent a check for the value of the vehicle, which was {$14000.00} leaving a balance on the vehicle at the time of the accident of {$17.00}, XXXX. My gap insurance then sent in a check for the balance of {$17000.00}. 
From the time of the accident, until the insurance company paid the claim, I continued to make car payments. When the gap insurance check reached SunTrust bank they had converted to Truist and the balance of the vehicle was significantly lower. I spoke with the gap insurance company and they said I would receive a refund for the payments made after the accident. 
Truist has told me that they received the insurance check on XX/XX/XXXX, XXXX, but won't apply it to the remaining balance, and won't give me a reason why. I've made complaints with the XXXX and, their customer complaint department, and the response has been they will look into it and give me a call. Over a month and I haven't been contacted, when I call Truist I still get the same answer. " Yes we received the check but don't know why it is not being applied to the remaining balance '' I tried to get approved for a new vehicle, and was denied, because Truist now has charged off the balance and that has hurt my credit rating. 

I have no idea what to do, Truist has a check from the insurance company and won't cash it, my credit rating has dropped so I can't purchase another vehicle unless I get a higher interest rate, and I have a refund for payments I made after the accident, that is not being reimbursed.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on FINANCIAL CREDIT NET XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

Specialized Loan Servicing is refusing to provide me with payment schedule for the Life of the Loan ( thei loa n was originated in mid 2007 by XXXX. The loan has been sold several time and this has been and ongoing problem with this company. When i askes for a payment schedule they indicate by statue they don't have to provide me with this information based on the loan being a HELOC. This has caused a lot of consternation and impacted my health and financial condition. This issues has caused a loan closing in the past to be canceled that would have paid off this loan based on their lack of cooperation. They have also reported delinquencies to the credit buaures even with the loan being current and now paid off. This has impacted my ability to refinance my primary house and i am engaging an attorney. ( from XXXX XXXX ) XXXX XXXX to to suite this company. They will also not provide a accurate payoff or information for the life of the loan Honestly, I don't know what else to do. When I call them they put me on hold and transfer me back and forth. It appears they simply wont answer the phone or they don't have enough employees to service their customer base. I was thinking about reaching out to my State of Michigan Reps or XXXX XXXX my Representative in the US House of Representatives. This issue has cost me money and frankly my health has been impacted
Product: Student loan

On XX/XX/2021, I requested the original contracts and payoff amount for the student loans that are associated with my name, exchange for payment by XX/XX/2021. I did not receive a response. Therefore, I sent another letter extending the date to XX/XX/2021. I still did not receive a response. I have tried to get assistance from the credit reporting agencies ; they all have reported the information has been verified. I don't understand how they are able to get the information that I am not able to get in exchange for payment.