23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I made Payments On the loan on XXXX and XX/XX/XXXX and XXXX XXXX reported it as late non payments which is false. XX/XX/XXXX XXXX XXXX Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). XXXX XXXX never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from XXXX XXXX to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. XXXX XXXX dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with XXXX XXXX. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by XXXX XXXX is adversely affecting my credit report. I also became aware of and informed that XXXXXXXX XXXX XXXX paid a settlement regarding this account on my behalf to my former Attorney. However my name was forged on documents, and settlement money was collected from XXXXXXXX XXXX XXXX on my behalf. My former Attorney asked me to sign one single document for one thing in the case, and my signature was attached to other future documents without my knowledge or consent. My former attorney never informed me of a money settlement with XXXXXXXX XXXX  XXXX and kept all the settlement funds for himself. Despite me paying my former Attorney monthly payments to handle my case with XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX. My former attorney was playing a dual roll and Represented me as a defended in the case. While also representing XXXX XXXX  XXXX as the Plaintiffs in the same XXXX County Illinois XXXX case XXXX -- XXXX. 

However Nothing was done in the XXXX XXXX XXXX XXXX  XXXX XXXX case and he only worked on the XXXX XXXX  XXXX case keeping all the settlement money from XXXX XXXX XXXX which is fraud scam.
Product: Mortgage

I had previously contacted you when my mortgage company, XXXX, was dragging their XXXX concerning my mortgage modification. Since then they have finally got the papers needed to me and finished the modification. 

Now they have sold my mortgage to Nationstar and I have been informed that I have an escrow shortage so my payment will shoot up to {$1100.00} a month. ( NOTE : I received a letter after starting this that states it will be {$1500.00} a month ) My concern here is that when XXXX did the modification to a 40-year term, they also financed an extra {$3000.00} into the escrow so it would not be short. Now Nationstar is telling me the escrow is short and I should look into a short sale, died-in-lieu, or loan modification. 

Before I ran into problems I was on time with my mortgage, then XX/XX/XXXX I got divorced and XXXX stated the only way they would remove my ex-wife off the mortgage was to refinance me for 30 more years ( I already had 10 years in on the original mortgage. Then XX/XX/XXXX got behind while my new wife was in school, so then I talked to XXXX. All said and done, they modified me for 40 years at {$980.00} a month. I paid 1 month and the loan was sold and now it is {$1500.00} a month. This, mind you is on a {$66000.00} mortgage note. 

And to make matters worse my AC stopped working. Had a service come look and the entire unit has mold in it. I have a XXXX and my wife has XXXX. We are living in an unsafe home for both of us, nowhere to go. 

How is it that these mortgage companies can get away with all this? I am being forced from my home. I have no money, I do not live extravagantly, have a truck that has 18 months before it is paid off. I have said I am not one of those people that stays in a home as long as I can without paying ( you hear horror stories all the time ) but what XXXX has done to me, is forcing me to do just that. 

Do I save and fix AC, do I save and try to move to a rental? We are clean responsible people, but I have XXXX great dog, XXXX cute cats and a XXXX step-son, so my options are limited. Very limited. 

So I ask you, where is the assistance that you hear about that has helped so many others, others that have taken advantage and not paid mortgage payments for a long period of time but were able to refinance to a reasonable payment and a principle reduction? 

I have nowhere to go, no idea what to do. I have been beaten down for the last time. Any help will be greatly appreciated.
Product: Checking or savings account

XX/XX/XXXX I opened a bank account with truist bank transferred XXXX $ over because I was going to bank with them. They kept sending me back and forth waiting hours I finally reached someone and asked to be escalated he sent me back to the automated statement.
Product: Mortgage

I have been attempting to get my XXXX XXXX from my mortgage lender ( XXXX XXXX XXXX ) corrected for the past 2 months. The 1098 incorrectly states that I paid {$XXXX.00} in interest for my home mortgage in XXXX. My XX/XX/XXXX statement shows that I have paid {$XXXX.00} in interest. I contacted my lender 's customer service on XX/XX/XXXX and was told they would look into this and request a correction. However, I received no correction and no follow up. I called them back on XX/XX/XXXX and was told that the reason the interest on my XXXX XXXX was incorrectly low was because they had sent me an incorrectly high XXXX for XXXX. 
I received XXXX, XXXX XXXX from my lender and they all showed different amounts of interest paid. The first was sent on XX/XX/XXXX with an interest paid amount of {$XXXX.00}. The second was sent on XX/XX/XXXX with an interest paid amount of {$XXXX.00}. The third was sent on XX/XX/XXXX with an interest paid amount of {$XXXX00}. Because the first was the only one of these forms that arrived before tax day ( XX/XX/XXXX ), this is the one I reported on my XXXX taxes. 
I explained this to XXXX XXXX Customer Service and was told to submit a copy of the page from my XXXX taxes showing the interest I claimed. I sent this to their research department along with a copy of my 1098 from my previous lender ( XXXX  ) showing how much interest I had paid them before I refinanced the mortgage in XXXX of XXXX ( {$XXXX.00} ). I did not hear back in the next month, so I began contacting XXXX XXXX again, only to be told that their research department had concluded that no correction was warranted. I have repeatedly asked to be called by someone in their research department so we can walk through the numbers and either I can understand what they're doing, or they can understand the mistake they've made and correct my 1098. I have never received a call back from XXXX XXXX bank in the two months I've been working on this problem and their research department seems to only send out form letters saying that no correction is warranted. 
Please help. I am trying to resolve this issue before my taxes are due in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My loan was being serviced through Freedom Mortgage ( XXXX # XXXX ). On XX/XX/XXXX I received notification that my loan was being transferred to XXXX  ( XXXX XXXX XXXX  ) effective XXXX XXXX XXXX. In the letter it stated that my loan terms and payment would not change, everything would remain the same except a new servicer would be collecting my mortgage payment. In the letter it restated my loan amount, interest rate, escrow payment, etc. My monthly payment was $ XXXX. 

On XX/XX/XXXX, XXXX drafted {$1400.00} from my bank account. I called XXXX on XX/XX/XXXX to find out why a different amount was drafted, XXXX stated that {$1400.00} was the information they received from Freedom. I asked for their documentation but they said they needed to get additional documentation from Freedom, to confirm the {$1400.00} payment. The XXXX representative mentioned that my escrow account increased but couldn't say what - property taxes or insurance. 

To date I have never received any documentation for my mortgage payment increase from FREEDOM or from XXXX. XXXX stated that they haven't received any documentation, that they are willing to share with me, as to why my payment has increased, but have put in a request from FREEDOM. 

I spoke with XXXX today, XXXX and my account has been sent to an escalation department and someone will be working on my dispute. XXXX stated that they would put a stop payment on my auto draft until this can get resolved. 

My concern is that even if my mortgage payment increased over XXXX XXXXXXXX due to escrow analysis, why was I never informed? That is a direct violation of RESPA. 
Also, what caused a XXXX XXXXXXXX increase? That is a fairly substantial increase.
Product: Credit reporting

Equifax continues to list the dismissed my Chapter XXXX bankruptcy that was dismissed in XX/XX/XXXX as confirmed within my credit file. XXXX and XXXX removed the Chapter XXXX from my credit report in XX/XX/XXXX, 7 years from dismissal date. I called Equifax 's customer service and spoke with two different associates located in XXXX. They explained that their policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years in keeping with the Fair Credit Reporting Act. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I want this bankruptcy removed from my Equifax credit report as I am being denied credit and paying higher interest rates on credit cards and car insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed on my credit report a student loan for XXXX XXXX This is not mine. This was opened fraudulently using my personal info. 

I was notified by earlier this year that all of my personal info was stolen and is actively being used. This was the result of a data breach by the insurance XXXX XXXX XXXX.
Product: Checking or savings account

I am a veteran and I bank with Navy Federal. I have bill payer for the account. Navy Federal did not send my mortgage payment to XXXX  XXXX XXXX for my mortgage payment and the money was in the account. I have XXXX accounts that branches off a main XXXX  account. XXXX  XXXX XXXX sold my account to XXXX XXXX  and XXXX  XXXX  reported that I was behind on my XXXX payment and I sent them a copy of my bank showing the payment was taken out of my account. Navy Federal is the reason for the confusion. When I spoke with the representative at Navy Federal, they said that I had the money in my account during the time that's in question.
Product: Debt collection

On Monday, XX/XX/2019, I received a call at work that my assistant fielded. The caller was from RNN Group, and he claimed to be doing an " employment verification ''. He was asking my assistant personal information about me such as do I work full time, what is my full legal name, etc. This was not a true employment verification such as for a loan application or a job application, he was trying to obtain information about me from my assistant under false pretenses. The number of the caller was XXXX. I googled this company - RNN Group - and  they appear to be a company that assists debt collectors.
Product: Debt collection

I have been contacted by Resurgence acting for LVNV trying to collect a debt but will not meet the burden of proof for me to verify this account as mine. I need an agreement from the original creditor showing I signed and agreed to open this account. They have not answered my request and I am still being violated.
Product: Credit reporting or other personal consumer reports

Introduction to the Issue : I am writing to file a formal complaint against Equifax Information Services LLC regarding the ongoing reporting of collections on my credit report, which has been furnished by XXXX XXXX XXXX. Despite my multiple attempts to dispute this inaccurate and outdated information, Equifax continues to report it as verified. This situation has not only damaged my creditworthiness but has also raised serious concerns about the accuracy and legality of their reporting practices. 

Continuous Reporting Despite Disputes : Since my initial dispute, I have not received any substantial information from either XXXX XXXX XXXX or Equifax to support the validity of this debt. Nevertheless, Equifax persists in reporting it as verified. This ongoing reporting has caused significant distress, as it inaccurately portrays my credit history and financial responsibility. 

Status of XXXX XXXX XXXX : It's crucial to note that XXXX XXXX XXXX has been out of operation since XX/XX/2009. This fact is well-documented and should be readily available in Equifax 's records. Despite this, Equifax has failed to rectify the reporting of this debt, which calls into question its commitment to adhering to the Fair Credit Reporting Act ( FCRA ). 
Lack of Licensure in Montana : XXXX XXXX XXXX is not licensed to operate as a debt collector in the state of Montana, where I reside. This is a clear violation of Montana state law, and it should further invalidate their ability to report this debt on my credit report. Equifax 's failure to acknowledge this violation adds to the mounting concerns about its reporting accuracy and compliance with state-specific regulations. 

Impact on Creditworthiness and Legal Implications : The continued reporting of this inaccurate and outdated debt has had severe repercussions on my creditworthiness, affecting my personal and financial life. I firmly believe that Equifax 's actions are not only damaging but also potentially unlawful. They are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), both of which were designed to protect consumers from unfair and inaccurate reporting practices. 

Request for Immediate Action : In light of these concerns and the clear violations of federal and state laws, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Equifax should be held accountable for their actions and for rectifying the inaccuracies on my credit report promptly.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair andaccurate. When there are violations under the FCRA, it messes up the banking system, whichrelies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identitytheft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Product: Debt collection

I lived in XXXX XXXX XXXX in XXXX Arizona from XXXX - XX/XX/2016. I gave the leasing a 5 day notice to fix or I would be released from lease. The apartment had toxic mold beneath bathroom sink and washer/ dryer. You could not breathe in that apartment and they refused to do anything and I had kids in that house. My daughter and I were constantly in the hospital because of XXXX problems so we moved out when nothing was done. I gave them my phone number and forwarding address and told them I was moving out. I never received any documentation from them or anyone. A year later I checked XXXX XXXX and found they reported a {$7600.00} collection from national credit services without ever notifying me I owed a debt. I have tried disputing this with them and the credit bureaus but get nowhere.
Product: Student loan

My loan is serviced by Nelnet. ( Account # XXXX ). 
For my loan repayment, Nelnet is abusing the ACH transfer by not crediting my loan timely. On an average it takes 4 to 5 days to credit my loan. My funds are debited from my source account the same day when I initiated my ACH transfer. But my loan balance were not reduced till 4 to 5 days. While I was paying interest for the loan balance, Nelnet was enjoying the float fund for 4 to 5 days. This is not fair practice to the consumer. 

Also the interest rate on the loan is 5.96 %. I am using my HELOC loan to pay off Nelnet Student loan because the HELOC interest rate is 3.25 % which is less than Nelnet Student Loan. This delay tactics by Nelnet makes me to pay double interest for 4 to 5 days. 

I would appreciate your help to intervene in this matter. 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Pennsylvania Department of Transportation 's Repossession Laws, the Creditor, BRIDGECREST, was to follow laws put in place to protect their business and myself. The law states that I should have received a letter notifying me of the repossession allowing me 15 days to try and recover the vehicle before auction, and second, I was to receive a letter after the auction that stated the sale price and the new deficiency. BRIDGECREST DID NOT SEND THE LETTER which means they are not in compliance with Pennsylvania Laws. For that reason, for an error on their part, the repossession should be removed from my credit file because they are not in compliance.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit card or prepaid card

I got zero response from the credit card company name ELAN FINANCIAL SERVICE please help me remove this identity theft card I have never opened an account with this company in my life at this point my identity was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$430.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

COMPLAINT : XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, MA XXXX XXXX I have a checking and savings account in Santander Bank, N.A. at the following branch in XXXX XXXX. Santander Bank | XXXX XXXX XXXX, XXXX XXXX, MA XXXX Branch ID : XXXX Tel. ( XXXX XXXX XXXX Fax : ( XXXX XXXX XXXX ; Customer Service Ph. ( XXXX ) XXXX On XXXX XXXX, 2016, a withdrawal for the amount of {$360.00} was made on my Santander account at XXXX XXXX, XXXX, MA, located in XXXX. Also {$3.00} bank fee was charged to my account with this transaction. I called Santander Bank branch at XXXX XXXX and Customer Service immediately reporting the fraudulent withdrawal from my savings accounts. I reported to the bank that my Debit/Credit card was with me in my wallet the moment this money was withdrawn without my authorization. I told the bank 's representative that I have never used my card to withdraw money at XXXX XXXX, XXXX MA, located in XXXX. 

I am a XXXX in XXXX, MA. I was a XXXX for more than ten years. I mentioned the Customer Service representative that it was evident that somebody cloned my card and used it to steal my money at XXXX XXXX, XXXX MA, located in XXXX. They asked me if I had any idea of whom cloned my card. I mentioned to them that XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, MA XXXX was the only place that has had access to my information when I have ordered online at XXXX. However, I clearly stated that I was not imputing this restaurant any culprit, just the fact that they have had access to my information for delivery purposes. 

Customer Service gave me the following Claim Number : XXXX and said that the bank will investigate the illegal withdrawal of {$360.00} from my savings account and will reimburse to me the total amount of {$360.00} ( including {$3.00} charged fee ). 

As of today, Santander Bank has not reimbursed me for any money, and customer service department has just given me a general statement that the bank can not refund the money because information is inconclusive, avoiding to explain the foundations and rationale for this determination. 

Hereby I am requesting the intervention of the CFPB to solve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$11000.00} XXXX  XXXX  XXXX {$12000.00} DPT ED XXXX XXXX {$4000.00} DPEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$3500.00} XXXX XXXX {$400.00} DPT ED XXXX XXXX DPEDXXXX XXXX {$2200.00} DPT ED XXXX XXXX {$4100.00} XXXX XXXX {$0.00} XXXX  XXXX {$1300.00} DPT ED XXXX XXXX CHAPTER XXXX BANRUPTCY FILED
Product: Credit reporting or other personal consumer reports

I was a victim of this data breach and I would for this account be deleted immediately