23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX, and my wife name is XXXX XXXX. We obtain a Mortgage loan with Bank of America N.A in XXXX to purchase a town house in New Jersey. The property address is XXXX XXXX XXXX XXXX NJ XXXXWe are so current in our payment until year XXXX. Unfortunately I lost my job in year XXXX, so also my wife lost her job. We seek for help from Bank of America N.A. for loan modification but we were denied. Due to the hardship we were defaulted in payment for 2 years ( XXXX XXXX ). Then we filled a Bankruptcy through NJ court, and we were discharged from financial obligation of the property in XX/XX/XXXX. Also we filled a notice of abandonment which was approved by NJ court. We moved out of the property. We request for a short sale of the the property from Bank of America through the loan servicing company ( XXXX XXXX XXXX. ) The short sale was approved by XXXX XXXX XXXXXXXX, but was denied by FHA/HUD. The FHA/HUD ordered that the property must be foreclose and advised that Bank of America N.A should initiate the foreclosure. Bank of America N.A. through their representative have taken possession of the house since XXXX, and they put 3 locks to secure the property. We have no assess to the property, our request for short sale was denied and the foreclosure process that we did not object to was never completed. The Condominium Association of the community has taken us to court twice to get a judgment in the amount of {$8000.00} in the XXXX and {$29000.00} in XXXX. They claimed that the property title is still on our name even though we don't live there, and also for the fact the Bank has taken over the property by securing it with their locks. 
Bank of America N.A. through their representatives : XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX NJ XXXX. Tel : ( XXXX ) XXXX have failed to complete the foreclosure process to get the property off our name for 6 years. We contacted FHA/HUD about this matter, and they condemned the action of Bank of America on the foreclosure process and described it as EXTREME DELAY OF FORECLOSURE PROCESS. We are stalk as a victim between the Bank and the Condominium Association to keep paying the association fee for the services that we do not benefit from. We are soliciting for your help to let Bank of America .N.A through their legal representative ( XXXX XXXX XXXX XXXX XXXX XXXX ) to please either complete the foreclosure process or sell the property to get our name off the title. 
Thanks XXXX XXXX & XXXX XXXX Tel : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My charges on my background are not felonies! This is costing a job and XXXX for my kids. Please research before putting something on it. Check the levels they in between a ordinance and a misdemeanor, no where near a felony!!
Product: Credit card

I have auto pay setup on all XXXX of my capital one accounts. I logged in an noticed a late fee on XXXX of the accounts so I called to see why the payment dis not process. The representative notified me that my account was in collections and that I would no longer have access and they couldn't even access it to see what was going on. 

I have been with Capital One for close to XXXX years now. My account has always been in good standing, and continues to be in good standings to this day. I am not sure why they would do this to my accounts without my knowledge or permission. 

This will have a financial impact on me if it is true.
Product: Debt collection

I had XXXX in XXXX, I have filed several disputes with the credit bureau and I currently have a dispute open with the collections agency for over 31 business days. They refuse to take it off my credit report. What they did is they changed the dates on the debt to make it look like I opened the account in XX/XX/XXXX. Which is illegal. XXXX has also yet to respond to the dispute. They are not keeping up with FCRA requirements. This has damaged my credit and I have been denied many loans and bank accounts because of this debt.
Product: Credit reporting or other personal consumer reports

There is an inquiry from XXXX XXXX on my credit profile with XXXX that I do not recognize from XX/XX/2023 thats not mine. 

There are also incorrect inquiries on my credit report with TRANSUNION that I do not recognize that arent mine on XX/XX/2023 at XXXX XXXX  XXXX, XX/XX/2023 at XXXX and XX/XX/2023 at XXXX XXXX XXXXXXXX. 

I have contacted both bureaus of the mistakes and also filed with the Federal Trade Commission, but have not seen these erroneous inquiries removed. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

I entered into a loan agreement in XXXX. I've had open and continued throughout 52 payments which double what the car was even worth and still have 14 payment {$420.00} per month left. I have proof that on or around XX/XX/XXXX, my leasing company Global lending services llc called me and told me that if I made 1 payment for my past due amount of {$35.00} they would push two payments back and that I would be current. I made the payment and they did not follow through on their end. Next call I received was the repo man. They made me believe that I was ok and I was able to focus on my other bills. I feel they failed to follow through on the new agreement they set. I already feel I've paid way too much for this car for them to cheat me and take it. I am a single mother of a XXXX   XXXX daughter in 116 degree weather. I can't afford for them to do this now they want {$2000.00}. They also messed up my credit.
Product: Credit reporting or other personal consumer reports

I

n 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. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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

To Whom It May Concern, This complaint is regarding my XXXX, XXXX and XXXX  credit reports. I recently pulled my credit report an noticed some accounts on my credit report that l am unaware of. According to the FCRA Law, they should be removed. The name of the account is KOHL'S/Capital One, XXXX XXXX. This account is an account that I'm totally unaware of.
Product: Vehicle loan or lease

Each time a monthly payment is made on the account, the balance goes down a little. More money is on interest than on car. At the end of loan I was told that I will have to create a new loan because I show a balance still. The original agreement says 6 years and I get my title now their about XXXX $ still at the end of lease that the company is saying I have to pay. Loan is to be paid off XX/XX/2019.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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

Experian disputed account in 2019 discharged account is included in bankruptcy ... should be reporting... also account is over 7 years old and should be deleted. XXXX XXXX continues to report fraudulent information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has repeatedly called me and my mom, leaving voicemails for myself. Its obvious that my personal information has been shared with this collection company because I have no contract with this particular company nor have I ever granted them permission to contact me by verbal, non verbal, written, non written. Nor have I even granted them permission to reach out to my mom 's mobile number. This is a violation of the Privacy Act because my non public personal information was shared with them without my consent. I've also confirmed that this collection agency isn't accredited with the XXXX, they aren't license with the state of North Carolina to collect on anything, and I was also unable to pull them up on XXXX. I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/year> ( twice ), and XX/XX/year> and stated you wanted to discuss a matter you received. Please supply the information below in writing so that I can be fully informed : 1. Please provide copy of contract showing that I legally owe and obligated to pay you a debt. 2. Your license number as a debt collection agency and proof that you are licensed to collect in the state of North Carolina. Provide the date of the license, name on the license, the name/address/telephone number of the state agency issuing the license. 3. Have you made a determination that this debt is within the North Carolina statue of limitation applicable to it? Tell me when you think the status of limitations expires for this debt, and how you determined that. Effective immediately, you are to no longer contact me by landline phone, mobile phone nor reach out to anyone related to me verbally, non verbally nor written. Your only form of communication to me is in writing only. Effective immediately, I opt out of you sharing my information verbally, non verbally, written or otherwise with consumer reporting agencies, marketing companies, financial institutions, or any type of commercial organizations. My financial information and payment history is non public personal information that you are not to share with anyone without my expressed/written consent because it is protected by the Privacy Act, GLBA, FCRA and FTC. Any violation of these laws will result in legal action against you and the client from which you obtained my information.
Product: Money transfers

Wanted to buy a XXXX puppy. Found one from XXXX and contacted through e-mail. Price was good and they would include shipping. Dog XXXX, shipping XXXX. We agreed. They wanted money sent by XXXX, we did. Then XXXX contacted us and said we had to pay insurance for air flight of XXXX. This was not mentioned during the transaction for the XXXX because they were to pay shipping. They would not ship unless we paid the money and said if we did not pay the money the dog would be put in quarantine for nine months and we would be turned over for pet abuse. They wanted the money paid per XXXX. XXXX even called me at home twice coaxing me to pay the money ASAP and once the dog was delivered I would get my money back. I told them I did not have this extra money and could not send it. They kept calling and e-mailing telling me I had to pay this. I offered to pay by visa, check, or money order and they would not accept this. They only wanted XXXX. I looked up XXXX on internet and it showed this website originated in XXXX. So I would not pay. Later I went back to the website and it was taken down. I tried to get XXXX to send me a refund but they would not respond. Completely ignored my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. there are items in my credit file that are misleading and erroneous and must be removed or blocked. The items I am questioning do not have any affiliation with me or my transactions. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi, My name is XXXX XXXX, on XX/XX/2022 I received my weekly credit report from XXXX only to see that a debt of {$730.00} has been reported by Mrs Associate with a phone number and address not associated to me, I called Mrs Associate to find out what the charges is all about and the person I spoke with requested for my social security number to find out, he then get back to me and said he could not establish the vendor or company that reported the debt to Mrs Associate that I should call XXXX to find out who reported the claim and have been trying to speak to an XXXX representative and have not been able to and this is seriously damaging my hard earned credit. Please i need help so i can start re-building my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/dept of ed has violated my rights.

USC 1681 SECTION602 A states I have the right to privacy.

usc 1682 section 604a section 2 states a consumer reporting agency canot furnish an account without written instructions.

usc1681c a5 section states No consumer reporting agency may make any report containing any of the following info and other adverse item of information, other than records of convictions and crime which antedates the report by 7 years u.s.c 1681s-2a1 states A PERSON SHALL NOT FUNISH ANY INFORMATION RELAETING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE
Product: Mortgage

Nationstar misstated to CFPB the process and corrective action Nationstar took in addressing the errors in my mortgage account. ( see attached letter ). 

On XX/XX/XXXX, I made a payment of {$3300.00} one week prior to the payment due date. The escrow calculation had changed from {$1400.00} to {$1600.00}. Nationstar provided no explanation for why the escrow calculation inexplicably changed in XXXX, XXXX. Again, inexplicably, Nationstar changed the escrow calculation back to {$1400.00} in XX/XX/XXXX. 

Secondly, XX/XX/XXXX I made two payments of {$3500.00} on the same date for a total of XXXX. One of those payments should have been credited to the principle balance after the other check paid interest and escrow. Instead Nationstar treated the two payments same. Each check was deposited as if it paid principle, interest and escrow resulting in double payment of interest and escrow on XX/XX/XXXX. 

Nationstar provided no evidence that the escrow account reflected these double payments. Nationstar should have reduced the balance remaining by {$3500.00} using the second payment check but did not. 

In XX/XX/XXXX, Nationstar screwed up the second payment for the escrow account by depositing the payment as a mortgage payment and had to reverse the payment for deposit into the escrow account. 

I am now requesting a full refund of the extra {$3500.00} paid in XXXX that was not recorded correctly nor accounted for in the payment schedule as a reduction in principle. Nationstar overstated my remaining balance when paying off the mortgage to XXXX XXXX. 

Nationstar miscalculated interest and escrow XX/XX/XXXX and therefore miscalculated the balance resulting in an overstatement of the {$3100.00}. This amount should be returned to me immediately with interest. The adjustments on XX/XX/XXXX of {$140.00} and {$200.00} also reflect that the payment in XX/XX/XXXX was sufficient to cover the mortgage due did not constitute a late payment of insufficient payment given those adjustments were not derived from other monthly mortgage payments. ( see attached supporting documentation )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the items as they are fraudulent XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  IN XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX  a letter was sent to Equifax in regards to incorrect reporting of 4 accounts. They were reporting a past due balance on an account that has been closed since XXXX as well as the dates did not match up with the dates on of the accounts and status provided by XXXX and XXXX I have not received a response and it is now XX/XX/XXXX I am now requesting they be removed. The last dates of activity, last payment dates and even dates the accounts were closed and were open do not match, I also sent proof and the errors as well along with proof of my identity.
Product: Mortgage

We are applying for a Reverse Mortgage. We have a current mortgage closed inXX/XX/XXXXwith First Guaranty Mortgage which is being serviced by XXXX XXXX XXXX. When the underwriter processing the new Reverse Mortgage pulled our credit, something odd came up on the report. Under Mortgage History it listed a RERECORDED DEED dated XXXX/XXXX/XXXX for a mortgage amount exactly the same as our original principal amount of {$140000.00}. However, the XXXX/XXXX/XXXX recording shows a Mtg. Term of 28 years rather than the 30 years on the original mortgage. 

This entry on our credit report caused the new underwriter to request written verification that this latest entry is in fact a rerecording of the original mortgage deed and not a new or additional mortgage. Seems pretty straight forward, but neither First Guaranty Mortgage nor XXXX is responding. I received an initial response from XXXX XXXX at First Guaranty that he was communicating someone at XXXX ( indicating that XXXX must have filed the rerecorded mortgage deed ). I initiated communication with XXXX XXXX on XXXX/XXXX/XXXX, received a voice mail message on XXXX that he was in contact with someone at XXXX, but XXXX did not tell a name or give me any contact information. Since that date I have been unable to reach XXXX or get any return calls to my voice mails. 

WE NEED SOMETHING IN WRITING EXPLAINING THE RERECORDED MORTGAGE DEED TO THE SATISFACTION OF OUR CURRENT UNDERWRITER. 

Thank you.