23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX my husband and I filed for Chapter XXXX bankruptcy after a job loss. Our mortgage was not included in the bankruptcy, and we were not behind on any payments. We continued to pay our mortgage directly each month. 6 months after we filed our bankruptcy, our original mortgage lender sold our loan to Nationstar ( dba Mr. Cooper XXXX. We continued to make payments to Nationstar each month. Nationstar did not allow us to use their website to access our account information and only sent statements each month, often arriving only 3 days before the payment due date. On XX/XX/XXXX, I sent a regular payment of {$4100.00} to Nationstar, expecting it to be credited to our mortgage for the XX/XX/XXXX payment. On XX/XX/XXXX, I received a statement that showed the payment was not credited as usual but instead held as partial payment ( unapplied ). I figured as long as they received the payment, they would credit it or send a letter explaining why. A letter never came. I continued to make monthly payments on our mortgage until I called to inquire about the suspense account and why that was still not applied. I was given a couple of different answers from Nationstar representatives and eventually told to send a request to their research department email. They would find out where the payment was. I never heard back from the research department. In XX/XX/XXXX, I received our yearly tax statement that showed a different balance than my records showed and a letter sent to our bankruptcy attorney petitioning the court to increase our payment to cover an escrow shortfall. Since they never credited the payment they are holding in suspense, they never receive the escrow amount for the XX/XX/XXXX payment, so they showed that our escrow balance was short. With our attorney 's assistance, we sent a letter asking about why they were holding {$4000.00} in a misc suspense account instead of crediting it to our mortgage and escrow accounts. The response we received was that the payment of {$4100.00} was determined to be short ( unknown why, but probably due to " fees '' they add due to the bankruptcy ), and when a payment is short, it is held in a suspense account until the remaining balance is paid. With that information, I sent in a payment of {$200.00} and copies of the statement showing the funds in the misc account and asked Mr. Cooper to transfer the funds from the suspense account and apply it to the XX/XX/XXXX mortgage payment. I heard nothing until XX/XX/XXXX, when I received the regular statement showing they were now holding the {$200.00} in the partial payment account and wanted an additional {$4000.00} on top of our newly increased payment of {$4300.00} for XX/XX/XXXX and XX/XX/XXXX. I can not get them to release the funds they are holding, and they have increased my payment because of this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Incorrect These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX 11XXXX XX/XX/XXXX
Product: Checking or savings account

Stop check. 
I put the check written in my name into my bank on checking account. This check was written out personally in my award to those whose name is also indicated on the check and implies the owner of the account. The check was written out as a payment for the service and the material I had previously bought in the store for him. I made a deposit right away using the mobile application of my bank, as the bank was already closed at XXXX XXXX. The next day, after lunch, I went to my bank and asked why the money had not yet been transferred and I can see that transaction still pending. I was told that this happens and everything is fine. I showed the check, which I put, but the bank employee said that he was not needed. The next day, the entire amount was credited and added to the funds already in my account as transaction completed. After 5 days, I went to check the bank account and saw a loss of funds. The bank told me that I should solve this with the one who wrote me the check. The bank, in turn, took a fee from me. I stated that this was a fraud and asked : Why didnt anyone notify me of this in any way? What should I do? The bank said that I should look for and deal with the one who gave me the check. The manager said that this can be done for 3 years - to withdraw funds from previously issued checks. There was no answer to the first question. I went to another branch of the bank, where there was no answer to the first question, and they said to the second question that if you go up this street, there will be a court somewhere that will help you. I walked the whole street, but found nothing there. It is not possible to contact the person who wrote the check, and I guess that it was after he received the money from my account. I reported the crime to another bank, whose details were on the check, where they made it clear to me that they respect the interests of their customers. A couple of days later I received a letter in the mail, where I was notified of the charge-off. I wrote a letter to the main office of my bank and this turned into a correspondence. The fourth letter with my questions is ignored. They tell me events, trying in every possible way to ennoble their bank and now indicate that they notified me by mail. The bank returned the commission only.
Product: Debt collection

I hope this letter finds you well. I am writing to remove the accuracy of the bankruptcy information on my credit report. After reviewing the report, I have identified discrepancies in the bankruptcy details, and I believe that the information reported is not entirely accurate. 

Bankruptcy XXXX XXXXXXXX XXXX US BKPT CT CA XXXX XXXX On XX/XX/2017 you verified a public record I had disputed. It was a Bankruptcy XXXX XXXXdismissed reported/filed on XX/XX/2017 I am now requesting the method of verification, including the name and address of the furnisher of information. Not the source, but the furnisher or subscriber. 

I kindly request that you investigate this matter and delete the inaccuracies on my credit report as soon as possible. I understand the importance of accurate credit reporting and appreciate your attention to this matter.
Product: Mortgage

Reference : Homeowners insurance payment for the XX/XX/XXXX renewal : NewRez LLC has represented in Official form XXXX filed on XX/XX/XXXX that our Hazard ( Homeowners ) in the amount of {$1100.00} was paid in XX/XX/XXXX. 
Your letter of XX/XX/XXXX ( in response to complaint # XXXX ) states your insurance department requested a payment be sent out for {$1200.00} on XX/XX/XXXX Your letter of XX/XX/XXXX ( in response to complaint # XXXX ) says the payment for the Homeowners policy was issued on XX/XX/XXXX for {$1200.00}. 

We asking that you check your records from all internal resources available and advise us the date that payment was issued for our Homeowners policy renewal on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes.
Product: Credit reporting or other personal consumer reports

I submitted a letter before with a wrong social security number ( please update ) I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.
Product: Debt collection

I was notified via my XXXX credit report that a new collections account was posted. It was from a Credence Resource Manage- for XXXX XXXX in the amount of {$110.00}. It was posted to my credit report on XX/XX/XXXX. It said that I opened an account for 1 month with XXXX in XX/XX/XXXX and owed a total of {$110.00}. On XX/XX/XXXX I reached out to XXXX XXXX to understand where this account was coming from. I spoke to an agent name XXXX in Collections who had no information of me ever having an account. I then spoke to an agent name XXXX in Retention who by search of name, address, and social did not find any record of my having an account. I then contacted Credence Resource Management where a person asked me my name and could not find any information on me. He then asked me for my full social security number. I was highly nervous to provide that information as he had nothing with my name and birth date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX CT XXXX GA XXXX XXXX XXXX XXXX XXXX XX/XX/year> First Progress XXXX XXXX XXXX XXXX, GA XXXX Acct # XXXX Subject : Notice of Dispute and Intent to Pursue Civil Liability under 15 U.S.C. 1685 ( i ) and 15 U.S.C. 1681 Dear XXXX, XXXX, XXXX I am writing to formally dispute certain information in my credit report under 15 U.S.C. 1685 ( i ) and 15 U.S.C. 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete. and notify you of potential civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 


I found inaccuracies that I believe are in violation of the FCRA. The items in question are as follows : 1. The last activity reported is not consistent throughout the credit bureaus.

2. Months reviewed date not consistent throughout the credit bureaus.

3. High balance not consistent throughout the credit bureaus.

4. Times late not consistent throughout the credit bureaus.

5. Mailing address not consistent throughout the credit bureaus. 
Under the FCRA, This is grounds for removal. I am entitled to an accurate and complete credit report. Your failure to address and rectify these inaccuracies may constitute willful noncompliance, exposing you to civil liability as outlined in the Act. 

I request that you conduct a thorough investigation into this matter and provide me with the results of your investigation within 30 days, as required by law. If you determine that the disputed information is inaccurate, please ensure that it is corrected or removed from my credit report. 

Please confirm receipt of this letter, and I look forward to your prompt response to resolve this matter amicably. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was very ill and got an text message at XXXX on XX/XX/year> alerting me to a declined charge for something like {$190.00} from XXXX XXXX asking me if this was me that was making the purchase, and to reply yes or no. I responded XXXX immediately and they closed my card because clearky that was a fraudulent charge, so they said they will send out a new card. So I go into my chase account to check for any other fraudulent charges and my checking account was empty and my savings account only had {$42.00} and some change remaining. 5 charges from 5 different XXXX and XXXX charges from XXXX XXXX XXXX XXXX XXXX. When disputed they denied me twice and I brought evidence that one, clearly shows that I don't and has never usted apple pay. I have an XXXX. And XXXX, I use XXXX pay when making my purchases. Either with online purchases, or tap by phone in person. My last purchase using my XXXXXXXX XXXX digital tap with my phone was on XX/XX/year> at XXXX XXXX  These fraudulent purchases were made XXXX online using stores from multiple XXXX. That if matched with my past and present purchase history, during the Banks ' investigation, would clearly show that's a red flag. I was basically robbed, and my money was supposed to be protected. I've been treated very unfairly and their decision is unjust. I want and desreve my money back immediately. It's been XXXX weeks and still no change.
Product: Debt collection

Within the last couple of days, a company named Portfolio Recovery reported a collection account for {$1800.00} on my credit report. Prior to this account showing up on my report, I did not receive a notice of my right to dispute. I don't believe this account belongs to me, and Portfolio Recovery never gave me the opportunity to contest it before they reported it on my credit report. This is a violation of my rights under federal collection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Capital One credit cards reported late and missing payments to my credit report. 
I had never seen a statement from them so I called customer service. The lady I spoke to said she could see that I in fact had NEVER received a statement from them. Due to a computer issue on their end the monthly e statements always got bounced back. I know by law the credit card companies must provide and statement along with periodic billing. 
Capital One did not. I have written and asked for proof of statments and have never received any. 
It is my opinion that since Capital One never provided me a statement or billing the negative items on my report should be removed. ( The card has now been paid in full ) I do not know how I am to be held accountable for making on time payments to a credit card company that did not provide billing statemtents in any form to me.
Product: Payday loan, title loan, personal loan, or advance loan

I was forced into a subscription membership in order to receive a cash advance but I didn't know I was subscribing until after the fact when I had already paid off the cash advance and then surprised to see a charge on my bank statement. I cancelled it and requested a refund since I never consented to the charge. It's been about 6 months and they are still taking money from bank account and I have redownload the app multiple times in attempts to delete and unlink my bank account. But it will not allow me to do so I have emailed them numerous times tried to call but get no help
Product: Mortgage

Our property consists of XXXX lots : XXXX and XXXX. We are taxed at the county and town levels. Nationstar paid the county and town taxes on lot XXXX but not XXXX. I have been calling them since XX/XX/XXXX but this issue is still not resolved. I have faxed in the tax bills to the number listed online but when I speak to a representative they have no record of lot XXXX nor the tax bills. After each call the representative says they will get back to me. They have n't. When I ask by name for a person I previously spoke to the new representative seems to have never heard of the former person. I will soon be receiving a notice from the county and town for failure to pay taxes.
Product: Mortgage

This problem started about six years ago, I have a mortgage with Mr. Cooper. my house was damaged by a landslide caused by the city I live in, I got a hold of Mr. Cooper and Mr. Cooper refused to help me in anyway, I was getting the runaround with Mr. Cooper. They advised me to stop making payments, the only way that they can do anything for me if I stop making payments, I didnt have a choice but to stop making the payments so I can get their attention, once I stop making the payments they started foreclosure process and they refuse to help, After negotiating finally after three bad faith against Mr. Cooper I was able to get the loan modification done. It was not a fair negotiation but after making my payment now for over a year on time never been late before the foreclosure and for the last year I have been making my payment on time. Now my insurance company canceled me because of the claim I have on my insurance, Since my loan modification I was promised to have access online to see my account and to be able to track my payments and receive also a mortgage statement. I have not received a mortgage statement for the last year since my loan modification or access online to know how much Im paying or how much I owe or whats my escrow balance, I have been trying to get another insurance and I finally found XXXX they will ensure my house, I give XXXX all the information for Mr. Cooper and the loan number Mr. Cooper refused to communicate with XXXX  to give them any information so I can get insurance on the house now Im left with no insurance and no statement to provide XXXX so I can have insurance on my house and Mr. Cooper is threatening to add insurance on my house, if I have a statement for my mortgage I will be able to provide to XXXX so I can get my insurance started but I dont have that either, when I call Mr. Cooper on the phone to get any information on my loan they refuse to give me any information on my loan, they refused to give me any information on my loan and I have been making my payments on time since my loan modification I cant get anyone to talk to me on the phone. 

Thank you for your help
Product: Debt collection

I received a call from phone number XXXX. The individual claim to be from a company called XXXXXXXX XXXX XXXXXXXX. However the business name on the website is XXXX XXXX XXXX. The voicemail was the voice of a male claiming to be calling regarding a legal matter. I attempted to reach someone by phone however I could not but there was an option to settle the matter online. The matter was not specified in the automated voice system so I use the link that was sent via text to look into the matter. The link was to the following XXXX XXXX XXXX  When I arrived at the website The website is trying to solicit a payment for a Citibank account with the accont ending in XXXX. 

I do not have any outstanding amount with Citibank nor have I had a Citibank card or relationship of any type since at least 2013. 

This debt collection is illegitimate and needs to cease immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I had my XXXX passed a way in XXXX and I had to go out of country for her funeral. After I came back I updated that my mum passed away and lost the job/income and getting back to pay the mortgage. 

Since then, they asked me to provide the death certificate and I provided that as well. After that, I have been getting so many letters from the mortgage company and they said to verify the information about the dead person had another any other mortgages in any other CA/WAS states. 

I just called the mortgage company and found that they had email that I do not recognized and its associated with my name and the one listed below. 

XXXX _I DO NOT HAVE THIS, and I believe this is a Fraud Email. 


I only use one email and I informed the mortgage company to stop/ delete that email right away. 

I am not sure what other fraud out there under that email with my name but I just want to report this fraud email to you. 

I hope people will stop all these crazy fraud emails and misusing other people 's information. 

Thanks, XXXX