23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We contacted Nationstar because we are in the 6th year of A Make Home Affordable HAMP and we received a letter from Nationstar Mortgage stating that we may be eligible for the HARP program with a reservation ID # So I call - We wanted to lower our monthly payment get our rate as low as possible for 10 years but we would go to 15 years. 

Well to get to the point when I received the email of the Loan estimate from Nationstar the Loan cost origination charges came to {$4800.00}. dollars this included points and fee so my total Loan cost $ XXXX.and total closing cost came to {$10000.00} and the rate started at 3.75 % then 3.125 % for 15 years I just feel or know something is just not right about these numbers. I have talked to other leaders and the loan cost ranged from XXXX to XXXX. If someone would contact me to let me know if Nationstar has had complaint before this I would like to know.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Charge-Off Reporting by XXXX XXXX on Experian Credit Report Dear Consumer Financial Protection Bureau , I am writing to request your assistance in resolving a reporting issue with XXXX XXXX XXXX XXXX XXXX which has negatively impacted my credit report. As of XX/XX/year>, XXXX XXXX reported a charge-off on an account that I have no knowledge of, claiming a {$1200.00} charge-off amount and a past due balance of {$1400.00}. I have no record of this account or any financial relationship with XXXX XXXX and am not aware of the origin of these amounts. 

Notably, my credit report shows no data ( ND ) for XX/XX/year>. However, in XX/XX/year>, a charge-off suddenly appears, which seems highly unusual and inaccurate. The rapid change from no data to a charge-off in such a short period raises concerns about the accuracy of this reporting, as I have no association with this account or its reported balance. 

I respectfully request that the CFPB assist me by : 1. Investigating the origin of this account and the validity of XXXXXXXX XXXX reporting on my credit file. 
2. Requesting XXXX XXXX provide verification of this account and explain the reporting discrepancy between XXXX and XX/XX/year>. 
3. Ensuring that this inaccurate information is removed from my credit file if XXXX XXXX can not provide valid proof of my authorization for this account. 

This error is significantly impacting my credit score and, therefore, my financial well-being. I hope to resolve this issue promptly with your support. 

Thank you for your assistance in this matter. 

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

i have an account on my credit report from the creditor XXXX XXXX that is reporting as CHARGED OFF with random months showing '' payed as agreed " in its payment history. 
I DID NOT OPEN THIS ACCOUNT, and I DID NOT MAKE ANY CHARGES ON THIS ACCOUNT. 
i was told by an experian rep that i can not be assisted with this, and there is nothing i could do! 
this account needs to be blocked from ALL REPORTS ASSOCIATED WITH MY IDENTITY asap!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue that I have been experiencing with XXXX, TransUnion, and XXXX. Despite filing a complaint with the Federal Trade Commission ( FTC ) regarding fraudulent activity on my credit report, these credit agencies have refused to delete and block the fraudulent activity from my report. I have worked diligently to protect my credit report by reporting the fraud to the appropriate authorities and filing a complaint with the FTC. However, I have been
met with resistance from XXXX, TransUnion, and XXXX when it comes to removing the fraudulent activity from my credit report. I have provided them with ample evidence of the fraud, including police reports and other documentation, but they have not taken any action to delete or block the fraudulent information.

This situation has caused a great deal of stress and XXXX  for me. The fraudulent activity on my credit report has impacted my ability to secure loans, cre
dit, and even employment. It is my understanding that these credit agencies have a responsibility to accurately report credit information, and this includes removing fraudulent activity from credit reports.

I request that you investigate this matter and take the appropriate steps to ensure that XXXX, TransUnion, and XXXX are held accountable for their actions. I would like for them to delete and block the fraudulent activity on my credit report, along with any negative marks that may have been associated with it. Additionally, I would like for them to provide me with a written explanation of their actions regarding my credit report.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX lll
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/2024, and XX/XX/2024. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.
Product: Mortgage

I requested a loan deferment in XXXX and resumed payments 12 months later. XXXX XXXX told me that the deferment amount ( principal and interest ) would be added to the end of the loan. 

I requested a loan payoff in XX/XX/XXXX. They gave me two amounts-the original principal remaining ( approx $ XXXX ) at 4.125 % and the deferred amount ( approx $ XXXX ) at 0 %. I sent in a payment for $ XXXX and the applied $ XXXX to the deferred amount and {$210.00} to the principal. Therefore, my new balance is $ XXXX that is accruing interest at 4.125 %. I believe they should have applied all the $ XXXX to the principal.
Product: Mortgage

I and my wife experienced financial difficulties with paying our mortgage. The loan was interest only serviced by PNC Bank and owned by XXXX XXXX XXXX. Our home was placed into foreclosure and we hired a realtor to short sale our home. We hired XXXX XXXX XXXX, XXXX. to assist us with our mediation requests in Maryland and to process our short sale. We have a XXXX XXXX son we have lost all overtime. We attended XXXX mortgage mediation hearings over the last 7 months. At each hearing the representatives of PNC Bank would not review our home for short sale, but retention and told us that what the system does. We always filed out documents for short sale and we received short sale acknowledgements from PNC in XXXX 2015. PNC also conducted a detailed value analysis and their value came back at the same value our realtor listed our home for. The purchasers have waited 8 months to purchaser this home and they are now about to withdraw their offer. PNC refused to review our family for a short sale. All our Request for Modification documents stated short sale request.
Product: Debt collection

I asked the debt collector to send proof that I was the one that incurred the debt. S.S. number, photo ID, fingerprints or camera footage. Something that leaglly places me at the scene.They sent me a one page piece of paper with three itemized bills that in no way prove I was the one who was there at the time of the said incident that debt was incuured from as a result of.
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the XXXX  of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date over 45 days later I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has it is past their investigation time so these items should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these inquires be deleted immediately or I will file for litigation due to the stress this has caused me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2023 XXXX XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX XXXX  || Date of inquiry : XX/XX/2023 XXXX XXXX XXXX || Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The breach Equifax reported Thursday, is, very possibly is the most severe breach of personal information. By providing full names, Social Security numbers, birth dates, addresses, and, in some cases, driver license numbers, it provided most of the information banks, insurance companies, and other businesses use to confirm consumers are who they claim to be. The theft, by criminals who exploited a security flaw on the Equifax website, opens the troubling prospect the data is now in the hands of hostile governments, criminal gangs, or both and will remain so indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the previous Complaint to remove the fraudulent items. I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX  XXXX  XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$360.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX. I have read that under the Fair Credit reporting act section 605b, as the Credit Reporting Agencies, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for Credit Collection Services. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Credit Collection Services Reported. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXXDOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DOVENMUEHLE MORTGAGE SHOWING AS OPEN ACCOUNT AND PAST DUE AMOUNT ON CREDIT REPORT. ACCOUNT WAS DISCHARGED IN BANKRUPTCY AND CLOSED. PROPERTY HAS SINCE BEEN SOLD AND NO LONGER IN MY NAME.
Product: Checking or savings account

On XX/XX/2021 Simple Bank closed operations and transferred all accounts to its parent bank, BBVA. Since that time, my account has been inaccessible. Trying to register for online banking with BBVA tells me there was a " system error '' - further attempts tell me my account has already been setup elsewhere. The automated customer service phone line hangs up on you. 

XX/XX/2021 attempted to access new BBVA account in accordance with their instructions emailed prior to the transition. Didn't work. 

XX/XX/2021, new attempts to recover a password, remember a username, register for online access or even TALK TO SOMEONE on the phone were unsuccessful. The error message on the website when trying to access online information says to call a phone number. That phone number plays a recorded message that something is wrong, and hangs up on you. 

This is completely unacceptable from a bank. 

All their communication has been done via XXXX, and none of it is true. They have said that the call center is open and stable, and it is not. It just hangs up on you. 

At this point, I have no visibility into my account or access to any money.
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. I discovered on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I'm done with it. AND Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX XXXX and XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance - XXXX XXXX Balance XXXX XXXX XXXX Balance {$2100.00} XXXX  XXXX Balance - XXXX BANK XXXX Balance {$220.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$160.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$760.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$500.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX  XXXX Balance {$150.00} XXXX XXXX Balance {$750.00} XXXX XXXXXXXX Balance {$160.00} XXXX XXXXXXXX Balance {$190.00} XXXX XXXX XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Vehicle loan or lease

We previously had a personal loan with One Main Financial for almost a year prior to speaking with them about a car loan. When I called them I specifically said a car loan. They requested information about the vehicle year make model and where it was being purchased. We told them how much money we had to put down and where we wanted our loan payments to be. We were told it was approved with a payment of approximately 220 dollars a month. We picked the check up made out to the car dealership. And signed the paperwork which was mostly on the computer. We were told the accounts would be one payment for convenience. Unfortunately my husband was in an accident with the vehicle and it was considered by our insurance as totalled. I spoke initially with XXXX  at the one main office in XXXX Pa. When I asked her direct questions she was unable to answer them and kept saying that's information they give to the insurance company directly. When i pushed her for account info. She reluctantly gave me the payoff info. She told me the pay off amount was XXXX. When I continued to be confused about the amount she finally told me that it wasnt a car loan but a personal loan secured by a title. I immediately began to question this as that's not what we had applied for. She began talking over me and said that I would have to speak to XXXX  the manager. I spoke with XXXX today XX/XX/19 and he openly admitted to the confusing terminology of our " car loan ''. While I continued to push I said that I wanted the loans split as they were supposed to have been. He kept trying to give me different scenarios about car loans and I had to keep reminding him that it was not my loan and I had applied for a car loan and not an additional personal loan.
Product: Payday loan, title loan, or personal loan

can not access the portal to make payment. i asked this account be closed 2 months ago, no response from company