23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I attempted to pay the remaining principal balance on a {$55000.00} home-equity line of credit for a home I own. Nationstar/Mr. Cooper Mortgage received my HELOC loan from XXXX, who originated the loan. 

I was told I would not be allowed to pay the loan off in full unless I paid a {$2300.00} " escrow advance '' for force-placed hazard insurance with policy dates covering XX/XX/XXXX until XX/XX/XXXX. 

My HELOC maturity date is XXXX XXXX, XXXX. I was prepared to pay the outstanding principal, interest, and document fee ( {$55.00} ), but not the required total {$2300.00} for the force-placed insurance. 

A Nationstar/Mr. Cooper representative just told me I was mailed a notice about force-placed hazard insurance on XX/XX/XXXX, more than two weeks after the coverage I am being billed for supposedly began. The {$2300.00} coverage was force-placed by Nationstar/Mr. Cooper on XX/XX/XXXX. 

I was not told this {$2300.00} would be due at loan maturity. I was clearly not given adequate or timely notice, and I have been given only one option : take it or become delinquent. 

Nationstar/Mr. Cooper representatives inform me I can not pay off my HELOC unless I pay the {$2300.00}. I am a XXXX veteran of the United States XXXX XXXX XXXX, who served in numerous ground combat engagements in XXXX XXXX XXXX XXXX, and I am unable to pay the {$2300.00}. 

Nationstar/Mr. Cooper representatives have stated flatly the company will not work with me at all toward paying the balance. They said my account will become delinquent and I fear I may lose the home to foreclosure proceedings. 

The way Nationstar/Mr. Cooper has handled this seems highly unethical at best and is certainly poor business practice. This is demonstrably a predatory move to gain access to my property by a business with a long history of bad lending practice. This is a practice from which consumers need to be protected.
Product: Debt collection

XX/XX/2021 accident occurred which was deemed no fault. I have been getting rude calls from this company stating that they are collecting a debt for XXXX XXXX. I have never received anything from XXXX XXXX regarding this incident. No tickets were given and each party was to submit to their insurance. The letter stated {$7800.00} is owed. Usually on a debt collection there is a statement that says you have XXXX days to validate. Nothing on the letter I received stated anything like that. I do not owe AFNI or XXXX XXXX anything.
Product: Mortgage

XXXX of XXXX I called and asked why my balance was over {$13000.00} when I only had 15 or 16 payments remaining on my mortgage and was told they did not know but that I would have to pay the balance. After months of calls in XXXX of XXXX I sat down with all my paperwork and found the problems. 
I purchased my home XX/XX/XXXX and the contract stated the amount financed was {$40000.00}. But as I was looking for the problem the amount that they financed was {$43000.00}. I had paid {$3200.00} to get my interest rate lowered and someone charged it back to the balance. Then I realized that the interest rate was charged at 15.09 % and it should have been 13.75 %. I send a dispute to Shellpoint and received a letter stating that they were going to credit my mortage XXXX plus XXXX for interest. I have sent another dispute about the interest. XXXX 15.09 % interest for 20 years is {$6200.00} not {$2400.00}. So, the amount credited should have been XXXX plus {$6200.00} = {$9500.00}. 
Also, the interest charged on the XXXX was {$87000.00} it should have been {$78000.00} so i was overcharged {$9500.00}. So by my calculating I should have been credited {$19000.00}. 
During the 20 years I had deferred 5 payments. My payments should have been {$490.00} but I paid XXXX. So I paid {$39.00} every month that should have gone to the principal. This should make a huge difference. If they want to go back I have 90 % of all my statements from XX/XX/XXXX to present. Not to mention the amount that I have paid on the principal only. 
One of the Supervisors advised me that they had found Mutiple accounts that were done the same way I am not worried about the other accounts only mine and my Home is to be paid off XX/XX/XXXX. 
I have been spoken too badly one of the representatives was XXXX XXXX and he screamed at me and told me that I would have to pay the balance that was showing by Shellpoint, another told me not to call back that was is XXXX of XXXX.
Product: Vehicle loan or lease

So In XX/XX/XXXX The payment reads XXXX and today the bills is still at XXXX and date on this is XX/XX/XXXX im trying to figure out how a person make a {$300.00} payment a month and they keep messing with my credit score causing it to go down significant and struggling very bad on my credit score and the amount total never moves. They just received a {$500.00} check XX/XX/XXXX that they claimed that they never gotten, but they are attacking my credit score each month. They keep stating missing payments or late statements under their report to the credit bureau But I have all the receipts of the payments thats been made
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three letters about providing me with paperwork to verify that debit is mines experian and XXXX XXXX has failed to do so
Product: Checking or savings account

An account was opened with TD Bank under my name using my address and phone number. Checks were sent to my house and a statement was also sent reflecting the opening of the account that I did not know about or authorize. I contacted TD Bank on XXXX XXXX to notify them that I did not open this account, that is opened fraudulently and I wanted it closed as well as any other accounts that were made in my name.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 



XXXX XXXX XXXX XXXX XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT XXXX XXXXXXXX XXXX XXXXXXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Our car was totaled out, and the insurance and gap insurance companies issued the checks to Hyundai Motor Finance company. Our balance due on our account was {$0.00}, and we confirm this multiple times on a daily basis. We contacted Hyundai Motor Finance multiple times because we knew there was still remaining balance, and we didn't want the account to go delinquent. They informed us that we would have a due date posted on our account when a payment was due, and that we had no late payments that would happen. In XXXX we were informed that we needed to set up the balance to get paid off, and when they called us and informed us of that we immediately set up the payments to finish off the balance. Again, we were informed that there were no late payments on our account because there were no payments due. In the month of XXXX, our payment portal didn't even show a balance on our account, so it was literally impossible for us to even post a payment. They intentionally gave us incorrect information when we could have posted payment when they were on the phone with us in XXXX. Or XXXX. Instead, every time they were on the phone with us they informed us that there was no balance due, just like their website was telling us.
Product: Credit reporting or other personal consumer reports

To my absolute disbelief, I found incorrect accounts on my credit report today, and Im completely baffled as to why. Ive been consistently checking my report, but this time strange errors appeared. I thought it might just be a browser glitch, so I refreshed, but the incorrect entries remained. Due to this frustrating issue, Im asking for a careful review of my documents to ensure I never have to stress over this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. XXXX XXXX account # XXXX XXXX & XXXX, Personify account # XXXX XXXX XXXX XXXX & XXXX, XXXX # XXXX, XXXX XXXX # XXXX. XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604A section 2 states a consumer reporting agency can not furnish an 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 ) ( I ) 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 the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth dispute with Experian with XXXX account : XXXX On XX/XX/XXXX Experian sent me credit report number XXXX Experian States on the XXXX Account Date opened : XX/XX/XXXX/ First reported XX/XX/XXXX, / Terms 1 month, / High Balance ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment : Account paid In Full for Less than full balance. This item was updated from our processing of your dispute In XX/XX/XXXXDate of status XX/XX/XXXX.

Now lets get to my Facts, First, I want Proof that I made any such payment. I want to see a cashed check, Or any method of such payment you claim I made on XX/XX/XXXX. I want my name on check, my signature and date. I want XXXX, to also show such Proof of ANY payment I made in XX/XX/XXXX.

The Fact IS : I have XXXX XXXX Statement that shows NO such payment to XXXX  or any one. I can provide PROOF for XX/XX/XXXXand XX/XX/XXXX XXXX XXXX Statements that no payment was ever made. Not even Less tahn The full balance.

Fact, This is a Flat out Lie and Fabrication from XXXX and Experian.

Fact, Payment was madein Full and account was closed.

Fact, Experian Has broken the LAW.

Fact, Experian Has not Verified this XXXX account and Failed to Provide Proof after many disputed requesting to show proof.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is crucial to address this matter promptly, as it has severely impacted both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 2 closed accounts of XXXX to Transunion with late payments on XX/XX/XXXX however these accounts were on deferment at the time.. This accounts were paid in full long time ago. I tried to fix this problem several times with XXXX and Transunion and the outcome always is that they don't fix It. I am a XXXX XXXX  XXXX veteran and this issue is affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on XXXX/XXXX/XXXX and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.
Product: Credit reporting or other personal consumer reports

These credit cards are not mines & are fraudulent. XXXX XXXXXXXX XXXX XXXX is not reporting any of these creditors on my profile therefore these credit cards are fraudulent. These credit cards are not verified or valid with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX  XXXX XXXX  Account number XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX
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 Account # XXXX, has violated my rights. 
XXXX Account # 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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act XXXX  account *XXXX  XXXX XXXX XXXX XXXX  XXXX *XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account withouth my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Experian, TransUnion and XXXX are reporting unverifiable bankruptcies on my credit report and violating the reporting requirements that do not comply with FCRA 611 ( 15 U.S.C. 1681I ). I have recently been informed that there is negative information reported by US BANKRUPTCY COURT NEW JERSEY XXXX in the files they maintain under my Social Security number. Upon ordering a copy of my credit report from each, I see XXXX entries from this court listing with Reference filed on XX/XX/XXXX and XX/XX/XXXX. The entry filed XX/XX/XXXX and XX/XX/XXXX with this court appears to be inaccurate. 
I sent a letter to each bureau on XXXX and XXXX XXXX requesting to please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting them authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. I have not received any correspondence or update to my credit report. These credit bureaus indicate on the credit reports they verify their information with XXXX. I had requested same with XXXX to which they responded with a letter stating they had reviewed the information from their bankruptcy records and determined the data in question has been removed and their files have been updated after conducting research with their source, XXXX. They also updated my credit file showing the deleted bankruptcy records.This negative reporting has ruined my credit, now have no credit score, was rejected when I applied for an apartment rental and security deposit bond in XX/XX/XXXX and prevented me from getting any other credit, loan or purchasing a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received an email from XXXX XXXX XXXX XXXX XXXX monitoring services, notifying me that a financial company requested credit information from XXXX on XX/XX/2019. 

The financial company identified as MOBILOANS LLC, without my knowledge ran my credit report causing a hard inquiry dropping my credit score which Im currently rebuilding. 

I emailed MOBILOANS customer service support requesting a letter of deletion and to provide me the information I requested and did not receive any call backs nor an email about the credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Amount {$750.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting acXXXX 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
Product: Credit reporting or other personal consumer reports

I am filling a compliant against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours sitting the account as accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit reporting Act ( FCRA ), 15 u.s.c. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ XX/XX/year> ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my XXXX XXXX XXXX XXXX on XXXX XXXX. The company sent it to a closed bank account. I called and requested that it be transferred to a different account XX/XX/year> and gave all info needed. It is now XX/XX/year> and I am still awaiting the funds or any information on whats taking so long. I keep getting the run around every time I call or email. They state there is no update and I just need to wait. I am owed XXXX and they are just holding it like its their own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX ( XXXX ) via CFPB on XXXX.Because i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to XXXX XXXX XXXX card, and according to CFPB on new terms, i have the right to opt out.XXXX  said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new XXXX XXXX XXXX  card.I also stated to XXXX, all i see is is XXXX XXXX XXXX adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new XXXX XXXX XXXX card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new card.XXXX then said you activated the card! .I told XXXX, I never activated the XXXX XXXX XXXX card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all  complaint responses from XXXX, XXXX  , equifax , XXXX does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back pedaling cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XXXX  buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks , something is wrong and what XXXX is doing is very wrong.XXXX  stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.