23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a home loan through NationStar Mr.Cooper.I signed a loan adjustment with them a few years ago and the numbers seem to be way in there favor.I did not chose this company, XXXX XXXX closed and signed over my loan and I had paperwork stating it was paid in full.I think they took advantage of me.I have been reading up on all the lawsuit activitiy with this company.My house was damaged by a small fire.I recived my insurance check and am worried about sending it to them to sign off.I have read many complaints about them keeping the money.I have paid for all the materials and made all the repairs out of pocket.I have a terrible feeling they are going to keep the check and pocket the money like they have with many other customers.Can you please help me?? Please, Im a good guy, never been in any trouble, no repos or foreclosures, very good credit, was a XXXX and do a bunch of XXXX XXXX with XXXX XXXX and XXXX XXXX, Thank you.XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, My loans were transferred from XXXX to MOHELA on XX/XX/XXXX. I wasn't notified that my loans were being transferred until I received a message from MOHELA on XX/XX/XXXX. Before my loans were transferred, I had made a payment of {$480.00} to XXXX towards XXXX XXXX XXXX on XX/XX/XXXX. Of the {$480.00} payment, {$3.00} was applied to interest, and {$470.00} was applied to the principal. Previously, the balance on XXXX XXXX had been {$1800.00}. After the {$480.00} payment, the new balance was {$1300.00}. The problem is that the loan balance in MOHELA ( listed as " XXXX XXXX '' instead of " XXXX XXXX '' ) does not reflect the {$480.00} payment, even after 235 days of waiting. I have screenshots of the {$480.00} payment confirmation on XXXX 's website, as well as the {$480.00} debit in my checking account with XXXX XXXX XXXX XXXX. My checking account statement reads that this transaction was completed on XX/XX/XXXX, the same day the loans were transferred. Where did that {$480.00} go? 

I have spent hours on the phone with both companies. XXXX responded to a CFPB complaint made in XX/XX/XXXX, and after talking on the phone with multiple supervisors, it was finally confirmed that the {$480.00} had been sent to MOHELA, and that I would have to discuss the matter further with them. During a phone call with a MOHELA representative on XX/XX/XXXX, I was told that the representative could see that my {$480.00} payment was made, but that it would take 90 business days to mature and be applied from the day of that phone call. 90 business days after XX/XX/XXXX was XX/XX/XXXX. XXXX additional business days have passed since then, and there is still no sign of the {$480.00} payment having been applied to XXXX XXXX. 

When can I expect this discrepancy to finally be resolved? MOHELA 's customer service has been comically abysmal. I've had my call dropped on multiple occasions after asking to speak with a supervisor. Who can I talk to, so that my {$480.00} can either be refunded to me or finally applied to XXXX XXXX as intended nearly over 7 months ago? MOHELA 's incompetence has been absolutely bewildering to me. How long until a class action lawsuit is brought up for malicious incompetence and mishandling of borrower money? 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered some information was erroneous. The XXXX  credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting ITEMS as unverified information without providing any proof within the period allowed by law. The following ITEMS need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$830.00} XXXX XXXXXXXX XXXX Balance Owed : {$44.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern XXXX, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse XXXX XXXXXXXX XXXX XXXXXXXX {$300.00}, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$500.00}, XXXXXXXX XXXX XXXXXXXX {$2000.00}. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. am not in dispute of the ownership of the account but it you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts : 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

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion.

This is a notice sent as per the Fair Credit Reporting Act ( F.C.R.A ) 15 U.S.C. 1681A ( D ) ( 2 ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.
Product: Debt collection

I acknowledge that the following information is true and to the best of my knowledge. I also sent the following, as also will be attached, to Credit Collection services and via email to my agent, XXXX as will be attached. My bill was due on XXXX of every month. The latest bill was in the amount of {$390.00}. I paid the bill from my own bank account to safeco insurance. 
I was shocked that on my former bill, I was charged the amount of {$970.00}, which is almost triple my usual bill. Such date was XX/XX/2021. I went to check in with my agent XXXX, XXXX or XXXX unsure about her last name at XXXX XXXX XXXX which was on XX/XX/2021, she advised that she will take care of it in two days. When I called her back after two days on XX/XX/2021, she advised that she was unaware of the story and she fixed nothing. Thus, I told her to cancel the insurance all over. I called my XXXX  XXXX XXXX to get my money refunded and I was refunded of such. I called XXXX XXXX to inquire about the bill I recently received in the amount of {$1500.00}, they advised that they spoke with agent and that they will fix it and send me a bill reflecting {$0.00} in debt and that they will also reflect the cancellation date on the record which is on XXXX. I got shocked again that I received a bill indicating that the amount was sent to credit collection services. 
In XX/XX/2021, XXXX XXXX XXXX office called me and advised that they wanted to compensate me financially for all the money they took from me. They called me AFTER I texted my agent that I already paid what I need to pay and that I do not have to pay the additional {$150000.00}. The call also came AFTER I also texted my agent that I would file all incidents at FTC. 
I recorded the conversation which would prove that they know they took all what I am required to pay for the auto insurance. 
The XXXX XXXX XXXX ADMITTED that I paid it all when they said that they were ready to compensate me. 
I can submit all recordings above mentioned as well as additional proofs.
Product: Mortgage

To whom it may concern, Freedom Mortgage claims two recent late payments for XXXX and XXXX of XXXX in my credit report. Nonetheless, these two payments were made and received ON TIME as shown in my attached payment history. However, in both instances, the payment amount was incorrect by less than {$60.00} due to a recent change in my escrow account calculations. Freedom Mortgage did not apply the payments received to my account or notified me in a timely manner of this change in escrow. Upon realizing the discrepancy, I reached out to them and made the necessary payments to cover the difference between the payment made and the new amount ; and they refunded/waived late fees on the account as a courtesy. 

On XX/XX/2023, I received notification from all 3 credit bureaus claiming that I had two late payments on my Freedom Mortgage account, even though I assumed this matter had been resolved. I contacted Freedom Mortgage immediately and spoke to a representative who failed to understand the situation and provided no resolution. I am a XXXX XXXX XXXX and do not this deserve this kind of treatment from this company. This practice is not in my best interest or that of any other military veteran. I have never made a late payment and now my credit rating has dropped significantly over a {$60.00} error. I am faithfully reaching out to you in hopes that you can reach out to them and this can be resolved without any further incident. I thank you in advance for your consideration and time regarding this urgent matter. 

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

I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request.

AMERICAN CREDIT ACCE Date Opened : XX/XX/2016 Amount : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXX XXXX  ) I would like have XXXX XXXX XXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. I have attached drivers license, Social Security, card, and proof of address
Product: Credit reporting

I have asked for two years for this information to be updated and its not. Also my score needs to be recalculated as well.
Product: Credit reporting or other personal consumer reports

There is inaccurate/ fraudulent names, phone numbers, employers and addresses being reported on my credit report erroneously by XXXX XXXX Transunion and XXXX XXXX These addresses, names, phone numbers, employers names doesnt belong to me.
Product: Mortgage

I have had extreme difficulty with Chase Bank presenting a reasonable modification agreement for my mortgage, which had gone on for some time. I had a modification application entred in to Chase in XX/XX/2018. I had not received any updates or request for more information, but I have sent in updated pay stubs over the past months. Chase put my house up for sale and executed a sale on XX/XX/2018, but I have never received any communication directly to me about the status of my modification application. They did not call or send my any request for information or any indication of the modification decision, yet they went ahead with the sale. Also the property as sold for {$47000.00}, which indicates that they had room for a reasonable modification agreement even with principal reduction. I wish for this to be investigated as I have had this problem with Chase for some time, but time they did something different by not sending me any notification of my modification application status, and selling the property for {$47000.00} which seem to mean there was an opportunity for a modification .By not notifying me of the modification application status i had ot chance to respond or request a second review before the sale.. Kindly look into this matter as Chase has been very unreasonable throughout this loag lasting ordeal. Thank you in advance
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, XXXX XXXX went to the XXXX branch  of Wilmington Savings Fund Society ( WSFS ) and worked with XXXX XXXX XXXX to perform an international bank wire transfer in the amount of {$2700.00} to XXXX XXXX account at XXXX ( XXXX XXXX Code XXXX ) in XXXX. Beneficiary Partys XXXX No. is XXXX. To date, funds have not been received. WSFS has yet to provide a trace number, and XXXX bank in XXXX said they are unable to assist with the trace until they have been provided the trace number and a transfer confirmation number. Supposedly, a second bank wire transfer was made by XXXX XXXX with funds from an internal account at WSFS, and those funds also were never received by XXXX XXXX. XXXX XXXX confirmed nothing has changed with his bank account during this entire period. 

Calls have been made to XXXX XXXX, at WSFS, on numerous occasions, beginning on XX/XX/2023, and on at least ten other occasions, with no trace number yet available. On XX/XX/XXXX, I called XXXX XXXX at ( XXXX ), was transferred to the XXXX office of WSFS, then called her boss, XXXX XXXX, at XXXX, left them both messages to contact me, and have not heard from either XXXX of them. However, a XXXX from WSFS called me on XX/XX/XXXX and said she guaranteed a trace number would be provided to me today. XXXX made a similar statement on Fri, XX/XX/XXXX, during our conversation, and I never heard back from her on Fri, XX/XX/XXXX or Mon, XX/XX/XXXX. No response, as of yet as of XXXX XXXX  XXXX. 

At this point, all we want is for the {$2700.00} to be put back into XXXX XXXX account at WSFS XXXX branch. WSFS can figure out their issue of the bank wire transfers not being completed, if they so choose. Therefore, I understand a resolution is required within 60 days of submission of this complaint, so I expect the {$2700.00} be put back into XXXX XXXX account or we will have to other recourse but to seek legal counsel. 

Sincerely, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

this is a XXXX- party company i dont have any relatioship with them ether in writing or verbally has been removed by XXXX credit company XXXX and XXXX XXXX its the only want thats doesnt remove it in violation of the law FDRC 1681I ALSO FDRC 1681 ( B ) AND ALSO 1681i ( 5B ) AND ALSO FDRC 1681i ( a6, a7 )
Product: Credit reporting, credit repair services, 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, 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: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove these items which are frauds from my personal credit file : 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 or other personal consumer reports

XXXXl XXXX account XXXX is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). 

I demand account removed to prevent further Identity theft of personal information.
Product: Credit reporting

A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on in   XXXX  . This debt is past the statue of limitations and o ver 7 years old. Equifax  did an investigation last year and did nothing. The original default date is incorrect, but it shows   XXXX  .
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts we discovered on my credit profiles when I checked yesterday, because I was looking at buying a building and needed to know how my credit score. 

XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite reporting discrepancies, my financial institution and Zelle failed to investigate in my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX  XXXX 7 ) XXXX XXXX XXXX   XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  XXXX 11 ) XXXX XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX XXXX  XXXX 20 ) XXXX XXXX XXXX XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX 23 ) XXXX XXXX  XXXX 24 ) XXXX  XXXX XXXX XXXX 25 ) XXXX XXXX XXXX 26 ) XXXX XXXX XXXX
Product: Debt collection

Midland failed to provide proof of debt, failed to provide original contract with my signature, failed to provide original terms of loan, failed to provide any proof the account belongs to me
Product: Debt collection

Keep receiving emails with law firm threatening I owe money to Speedy Cash, check fraud, theft by deception, Electronic fund transfer, violation of Federal banking regulations. I have NEVER done business with them.