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

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

Nationstar LLC has failed to respond to my pertinent questions of them, that only Nationstar, as the servicer for XXXX XXXX 's mortgage with myself, can correctly answer in writing to me. I have been working on these Nationstar issues, since XX/XX/XXXX. 
Over the past year, I have contacted Nationstar FIFTEEN ( 15 ) more times by email since that first one noted above. I have also contacted Nationstar by telephone many, many times during the past year, all to no avail. 
This complaint is being created on Thursday, XX/XX/XXXX. 

The below is a copy of my latest email to Nationstar on XX/XX/XXXX. 
" Mon, XX/XX/XXXX at XXXX XXXX XXXX XXXX ;, XXXXXXXXXXXX XXXX and XXXX : It is outrageous that I have been on the telephone, since XXXX EST until now XXXX EST, over two and one-half hours, waiting for a customer service representative in the REO department to talk to me. 

Please have someone call me back at XXXX???.???? that can easily discuss and solve with me, my questions about these XXXX outstanding Nationstar issues : 1 ] a detailed mathematical spreadsheet showing all items that Nationstar used to calculate the XXXX that I received today, showing {>= $1,000,000} as Nationstar 's accounting of cancellation debt. 

2 ] Nationstar receiving a refund check from my flood insurance company in the amount of {$1400.00} that now shows as a credit in my escrow account, thereby requiring Nationstar to forward that same amount directly to me. 

3 ] Nationstar 's refusal to acknowledge that Nationstar has no interest in my former property at????????????????. 

4 ] Nationstar 's refusal to acknowledge that Nationstar is owed nothing by myself. 


Please kindly acknowledge your receipt of this requesting email from me. 

Thank you, from myself????? " The above is a copy of my latest email to Nationstar on XX/XX/XXXX. 

Please contact Nationstar LLC about my XXXX issues and this currently created complaint. 

I thank you for your help and look forward to hearing from you and Nationstar soon. 
Thursday XX/XX/XXXX complaint filed with CFPB Consumer Financial Protection Bureau. 
END
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : LATE PAYMENT In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Which means my information will remain private unless I give XXXX XXXX written instructions to make my information public ). 

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. ( I request this account to not be reported on my credit report ).

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose ( According to the Consumer report there are no such thing as late payments ).

15 USC 1681 ( a ) ( i ) 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

This late payment is affecting my approval of a car and a house needed to support my family and is causing emotional and psychological and financial stress upon me and my family. Account is now closed and is paid in full. Late payments are inaccurate.

Remove the late payment or deleted the account.
Product: Credit card

WE WERE TOLD TO WAIT FOR A LETTER. THE LETTER ARRIVED, WE CALLED AS INSTRUCTED AND GAVE THEM THE REFERENCE NUMBER ON THE LETTER. IT WAS OF NO HELP.
Product: Credit card

The XXXX  should have gotten my signature for my direct express ssa card but found side on house empty envelope XX/XX/2024 at XXXX says was delivered can't call to get replacement for bussy and has all my money XXXX XXXX XXXX XXXX XXXX and need it worth {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

On XX/XX/XXXX XXXX issues and escrow analygis showing a shortage of roughly {$370.00}. 
On average {$5700.00} - {$6100.00} was paid each year to taxes and insurances. The XXXX XXXX, XXXX analysis states that I am required to keep a balance of {$2800.00} and then raised my escrow payments from {$480.00} to {$510.00} despite having close to half of the escrow payment in the account that rolled over from the previous year. 

Not only does this exceeds the amounts federal law outlines when I called XXXX bank the customer service person stated I was required to keep XXXX percent as well. I can provide a copy of the phone conversation as I record the conversations and XXXX bank has a copy of the phone conversation. 

2. On Form 1098 for Calendar year XXXX it states an ending balance of {$1200.00} which is incorrect. 

3. On form 1098 Calendar XXXX it states a starting balance of {$1200.00} when records show {$2000.00} had been paid extra in XXXX and carried over to XXXX showning about {$830.00} not accounted for between XXXX XXXX. XXXX bank did not issue any overages refunds even though there was a escrow surplus of {$50.00} or more. 

5. The account history is not accurate and XXXX bank backdates and adjusts the schedule to fit their needs so errors don't stay documented. For instance In XXXX XXXX the payments were credited to the escrow account and not a regular payment. XXXX bank reported my payments for these months as late even sending foreclosure letters. 

XXXX At no time this year has my account even fell close to the required " cushion '' in XXXX bank reported late payments to XXXX, XXXX and XXXX, for XXXX, XXXX and XX/XX/XXXX. XXXX  bank charged me added fees and notified the VA of foreclosure. However based on the transaction history payment dates, it shows no payments much less XXXX that were more than 30 days late? XXXX Essentially despite the XXXX analysis having a starting balance of {$2800.00} XXXX bank increased my escrow payment to account for a " shortage ''. Based on the analysis which I made over XXXX phone calls to XXXX bank that representatives relayed false and inaccurate information, XXXX bank carries almost $ XXXX each year. Funds that will be essentially lost for the next 27 years.
Product: Student loan

I have been contacted first saying and paying for one year {$1.00} so my loan would n't go into default. I 've called them on several occasions explaining to them that I am a single mother of XXXX but XXXX live with me the other is serving in the XXXX they say they will send me papers to help me with my student loan yet I never received anything. I receive medical food stamps and am on section 8 I have explained to them I am in financial hardship yet still I have n't received any paperwork from them all they do is keep charging interest it 's ridiculous.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX of Truist bank was notified on XX/XX/23 that I demanded my accounts at the bank be closed.She was given legal notice of this at her personal e-mail address. Instead of closing the account as instructed she has added a fee and interest to a dormant account. I REFUSE TO PAY ANY MONEY TO THE XXXX BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED MY DISPUTES BY CERTIFIED MAIL TO THE CREDIT BUREAUS ON XX/XX/2020 AND I GOT A NOTIFICATION THAT IT WAS RECEIVED ON XX/XX/2020. I CALLED TRANSUNION THIS MORNING AND THEY CLAIM THEY NEVER GOT ANYTHING.
Product: Debt collection

medical data systems never sent me a dunning letter they just put this account on my credit report.I do not have a contract with medical data systems and they is reporting on my experian credit report. Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request that medical data systems prove that I am indeed the interested party who is contractually obligated to pay this debt. A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.The amount medical data systems claim that is owed and how you have come up with this amount.If you are unable to provide and show evidence of this claim then they will have to delete this account from my credit report as it is not valid.
Product: Checking or savings account

On XX/XX/XXXX approximately XXXX PNC Bank located on XXXX XXXX and XXXX XXXX in XXXX PA denied me a {$5000.00} dollar withdraw from my checking account. The funds were available but the bank manager asked me where did the funds come from. I told her my insurance company which it clearly states on the deposit. Then she ask what is is for. I told her for my house. She then ask what its for again. By this time i answer can you give me my money. She goes in the back for 15 minutes. Then comes back and says we cant give you the money. I had my camera out and she said i cant record her and she didnt answer any questions after that. I then said I would like to close my account, which she denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING ON MY CREDIT REPORTING INCORRECTLY AND CREDIT BUREAUS KEEP FALSE VERIFYING AND REINSERTING ON MY CREDIT REPORTING WITHOUT PROPER NOTIFICATION. ACCOUNT HAS BEEN IN DISPUTE OVER 6 MONTHS AND CREDITOR AND BUREAUS HAVE FAILED TO REPORT IN DISPUTE. ACCOUNT DOES NOT REPORT DATE CLOSED OR DATE OF LAST PAYMENT. DATE OF LAST ACTIVITY HAS BEEN UPDATED TO CHANGE PURGE DATE OF ACCOUNT. XXXX XXXX FAILED TO PROVIDED ME WITH LEGAL DOCUMENTS OF MY STATE WHEN A CAR IS REPOED. THIS ACCOUNT SHOULD BE PERMANENTLY DELETED BECAUSE IT IS IN VIOLATION OF THE FCRA AND CREDIT REPORTING RESOURCES GUIDE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding a collection account that is inaccurately reported on my credit report. The account in question is listed as XXXX XXXX. Upon reviewing my credit report from XXXX, XXXX, and Equifax, I noticed that there are three different dates of last activity being reported. XXXX lists the date as XX/XX/XXXX, XXXX lists the date as XX/XX/XXXX, and Equifax lists the date as XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company XXXX XXXX XXXX, formerly XXXX refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX
Product: Credit card or prepaid card

I received a US Bank ReliaCard from the Ohio Unemployment Insurance Program. I'm not an Ohio resident, have never worked in Ohio, nor have I applied for unemployment in the state of Ohio. Despite numerous calls to their fraud department, I have been unable to reach anyone or get a response. I want to make sure this account is identified as fraud and not associated with me or my information.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX with XXXX XXXX has violated my rights. 

15 USC 168 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 an account without 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports ( XXXX, Transunion and XXXX, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.
Product: Debt collection

Original CreditorXXXX XXXX XXXX XXXX  now known as XXXX XXXX XXXX, lease an apartment from them. Roommate broke lease. There is a fee to break lease roommate refused to pay after I paid my half amount. Was never contacted by them for remainder. Get a phone call from Hunter Warfield on XX/XX/XXXX for amount. Wanted to deal with original creditor. The original creditor refused payment. Original creditor referred me to deal with collection agency. Requested verification of debt on XX/XX/XXXX Debt was verified. Started to negotiation with settlement for original amount of {$1200.00}. On XX/XX/XXXX letter was sent with amount of {$1200.00} with {$4.00} as interest. In original contract there is no interest. Debt collector is seeking to collect more than what is originally owed. In addition, tried to make phone contact onXX/XX/XXXX to settle account. Made phone calls at XX/XX/XXXX and XXXX XXXX  with the phone number provide to me in a letter at XXXX. Hunter Warfield did not answer phone during normal business hours. In addition sent email to XXXX XX/XX/XXXX with no answer. A letter was sent on XX/XX/XXXX with full amount of {$1200.00}. Hunter Warfield recieved check on XX/XX/XXXX via certified mail. Since that date Hunter Warfield has not cash the check for payment in full. Hunter Warfield sent letter to consumer suggesting that if payment is not receive then will put negative listing on credit report.
Product: Debt collection

TRANSUNION Report # XXXX XXXX, is listing an Account with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
Account number listed as XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, and XXXX XXXX, and XXXX XXXX, XXXX, and XXXX XXXX, XXXX, I made one transaction from my personal XXXX  account on each of these days. When I pull up a statement for the business ( non-profit ) account to submit to our finance department for review and reconciliation, it is showing debits that I made from my personal account on the business account.

I had an email exchange with customer support three times on XXXX XXXX, XXXX, once on XXXX XXXX, once on XXXX XXXX, once on XXXX XXXX, and again XXXX XXXX. They have yet to fix the issue, nor have they communicated with me that they are working on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from Credit Karma saying I was invited to see what I would pre-qualify for regarding a consolidation loan. It said it would not affect my credit score and it was just a prequalification. Instead it send it to a bunch of lenders who altered me down, which I expected, which is why I never would have lied in the first place, and now each one of those is hitting my credit report. They have managed to have at least XXXX to XXXX Companies I never applied for deny me loans I never asked for. I never gave out my personal information but I guess credit karma already had it and use that to send the loan lenders. I want the inquiries take it off my credit report and I wont credit karma says stop Bait and switch people. It is obviously clear from their marketing that they want to miss lead people. I screenshot it everything that I receive so that you can see how misleading it is.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a invalid " debt '', a closed, written off, account as open on my credit report. I have disputed this with account with them as well. This account was written off as we know which gives that company a credit of that remaining balance and to which the company XXXX is supposed to provide me with a 1099C after such write off is conducted. 

However, XXXX keeps opening this closed account that should not even be on my report since the debt was lawfully written off by filing it with the IRS. The debt does not exist. I have not received my 1099C to file this information on my taxes. Which I have requested from XXXX. 

The contract with XXXX states any disputes between us or them have to go through arbitration. Which no action of such occurred from XXXX. 

No contract or payment history for this entire loan balance has been provided by Equifax as a verifiable, justifiable or a current debt by any reason, for this account being to be on my credit. No information is being verified by the company itself to be considered verified. Especially not be considered open. 

This tradeline on my credit report states that this is written off which means the debt is non existing. I need equifax to remove this account immediately. 

This is also creating credit issues for my profile. My payment history went from XXXX percent to XXXX percent once Equifax allowed this account to state as open. My rates are ridiculously past our states XXXX percent law and it because of this false information. 

I am unable to get a house, get a car at a decent payment and get insurance at any payment lower then XXXX. This is causing financial burden and emotional stress. XXXX XXXX XXXX is just as responsibly as Equifax.
Product: Checking or savings account

Hello, My name is XXXX XXXX. My XXXXXXXX  XXXX XXXX XXXX was an account holder with Wells Fargo bank. She passed away on XX/XX/2022. I went into a branch location and spoke with a XXXX in XXXX XXXX, XXXX. I went in to close the account and XXXX notified me that there were ATM withdrawals from my mothers account days after her death. We filed a fraud claim. I called Wells Fargo and they told me the claim was denied. Someone correctly guessed her PIN number, or found it written down somehow and since they correctly used her pin, they are assuming she gave permission. I know for a fact she did not want anyone using her funds. She is no longer here but I am her only child. I do not think how Wells Fargo is handling this is fair. It was an unauthorized withdrawal.
Product: Debt collection

OnXX/XX/XXXX I filed a complaint about southwest recovery services about a unverified collection on my credit report the company responded stated that they sent a validation letter before putting the collection on my credit file this is totally false I demand that collection is removed from my report.