23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently in a COVID forbearance ( under the CARES Act ) which is due to end soon. In trying to understand my options for when my forbearance ends, I am having difficulty getting a clear answer from my mortgage servicer, Mr. Cooper ( formerly NationStar ). 

The only options they are offering me is to pay the lump sum of total payments missed during the forbearance or go through a loan modification which is what I do NOT want to do or go through. 

I do not understand why they will not offer me a COVID-19 Payment Deferral option which was my understanding at the time I took my forbearance would be an available option. 

This option does not come up on their portal, so when I call, I am told that option does not come up for them. Then they tell me to contact their escalations department. When I do that, I still do not get an answer as to WHY I am not being offered this option. I feel this is EXTREMELY UNFAIR as I was told this would be available for me at the end of the forbearance. I am simply asking for an explanation why my account is not eligible for a deferral and have not been told why. I feel this is their way of making yet another money grab off of missed payments that were covered under the XXXXARES Act. Under the law, I do not have to pay interest on those missed payments, yet they are forcing me to do a loan modification. And in fact, every month during my forbearance, I did make partial payments. 

I'm hoping maybe you could assist with getting me an explanation as to why they simply can not defer the amount to the end of my loan? I am not sure this is even legal under the CARES Act. Thank you for your time in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dept of ED/XXXX  XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX Retail Card, XXXX XXXX XXXX, XXXX XXXX reported to the Experian that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.
Product: Credit reporting or other personal consumer reports

I have been working to correct these errors for several years now and my papers are in storage as i am moving and as i tried to get an apartment is when my false credit scores has effected my life and liberty. the last date was XX/XX/2023 I have been and sent certified letters to XXXX, XXXX, and Trans Union and the day that trans union received my request they literally retaliated and sanked my credit score another XXXX points in one day although i had did no business or anything else that should have resulted in a move like that. I have been disputing and writing calling and doing everything in my power to correct these wrongs. The list is too long to put on paper but these companies has all of the documentation as i already had a free account with XXXX do to them breaching my data a couple years ago so all this information is in the files. I have a XXXX dollar debt from a credit card i disputed as well as XXXX XXXX and several other credit cards that someone that was living in our house must have also took advantage of myself and my wife purse was stolen and her license social security card and all her credit cards was stolen separate incidents. I The companies keep saying that the information has been verified and correct and i say no you are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK Credit Card No : XXXX US Bank Credit Card No : XXXX Cash Rewards Visa Card I have above cards with US Bank for last 10 years and I have been paying these cards regularly except times when I had some type of incidences on file. In past I had big fraud on my debit card and it led into many online transactions running over for months on my card in XXXX when I visited XXXX. Last year in XXXX I had frauds on my credit cards. Now seems like this is third time I have my cards misused however, this time I have lost my valet and seems like identity theft. 

I have one debit card and two credit cards with US Bank. Since last fraud on my credit cards early last year in XXXX, I have completely stopped using US Bank credit or debit cards. I have moved my banking to other banks and use them for primary salary deposit and all payments. The only reason US Bank cards were kept open were to keep my oldest credit history as these are my oldest cards and accounts in US. 

As I do not use these US Bank cards I just keep them in my secondary valet where I have other benefit cards like XXXX, XXXX  XXXX  and other merchant cards, etc. During one of travel last year I have lost of one bag and I didnt realize what items were lost in the bag. What I know that my valet is missing that had all my other cards and there is identity theft. In last few months, I had 3-4 times by XXXX  XXXX  XXXX debit card and credit cards were replaced for some suspicious activity though I have not reported fraud! 

To my surprise I have recently noticed payment request on US Bank cards in XXXX ( I generally dont check this ac at all as I dont use any of them ). Though not clear about request, I did paid minimum payment requested to avoid late payment and late reportings to bureaus. After this I made it a point to review my all US bank accounts in detail as soon as I get back to work after holidays. During my review I realized that there were some transactions on my both cards. I have immediately advised fraud department of US Bank to close all the cards including my debit card. My both credit cards looks compromised, debit card is not used as I dont keep any balance in this account and they may not have succeeded. But I have lost this card as well. 

While reporting fraud I told representative not to report late payment to credit bureau and he explained that it was already reported. He provided me these contact details to write letter to get credit bureau reportings reversed.
Product: Credit card or prepaid card

I opened two XXXX XXXX  XXXX XXXX accounts in XXXX. Both accounts were paid off, in good standing and with credit limits over {$30000.00}. 

In XXXX Capital One took over the XXXX XXXX program. By XX/XX/XXXX the transfer to the Capital One network started - records show that my credit cards were transferred on XX/XX/XXXX, however Capital One lost my accounts. I have not received my new cards and the accounts are not showing on my credit report. I have contacted Capital One on several occasions, but no one has been able to fix my missing accounts, or explain what happened. 

XXXX XXXX  completed the transfer on their end and closed my accounts at the end of XXXX. I have kept my old cards, although I can not use them anymore. 

Due to this error on Capital One 's part I have lost seven years of positive credit history and two of my largest lines of credit. I was told by a representative to just re-apply and get a new account, however that is not acceptable and would not change that they've made an error, plus the detrimental effect to my credit history.
Product: Credit card

XX/XX/year> I got an alert and after reviewing my credit report I see a chase credit card pop up on my credit saying 60 days past due. I then contacted them and reported a fraud account and was told they will be closing and removing from my credit because it was a business credit that is reporting to my personal credit. I have continued to reach out several times after and was giving run around saying they can't access my account then I don't have an account. then transferred to their credit reporting department no one seems to know anything but what I do know its cause financial hardship with this reporting to my credit report. please help me put a stop to this since I never opened this account I don't have no account information and they want give me any information. but its reporting XXXX this is the only number I have from my credit report
Product: Checking or savings account

Management Refused for XXXX years on providing information on who closed my XXXX bank account and possibly drained XXXX funds after XXXX passed away. Was told XXXX someone submitted documents stating my XXXX remarried which was a lie and that he had all rights to her money as well as my XXXX. XXXX XXXX XXXX was an attorney XXXX fired because XXXX neglected his client and now caused me to become a victim based on forged documents.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts they are hurting my ability to obtain 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Per the attached documents, my credit card refund was sent to Navy Federal Credit Union ( NFCU ) since XX/XX/XXXX and I have not received it despite attached written transmission evidence including trace number that the merchant sent the funds to NFCU. In fact, per the attached email from the merchant dated XX/XX/XXXX, NFCU has not even contacted them.
Product: Debt collection

This information has been removed off of another account, therefore it needs to be removed off my XXXX and XXXX account. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ] XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX, XXXX, TransUnion Credit Bureau XXXX : Request for Removal of Repossession from Credit Report Dear Credit reporting Agency I hope this letter finds you well. I am writing to formally request the removal of an incorrect or outdated repossession listed on my credit report. 

The account in question is as follows : XXXX XXXX XXXX XXXX Upon reviewing my credit report, I noticed that this repossession is either inaccurate or no longer relevant, as [ explain briefly whye.g., the account was settled, the information is outdated, or it was reported incorrectly ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any items that are incomplete, inaccurate, or unverifiable. 

I respectfully request that you investigate this matter and remove the repossession from my credit report. Please notify me once the item has been corrected or deleted, and kindly provide me with an updated copy of my credit report. 

I have included supporting documentation to assist with your investigation. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

I have made payments and payment arrangement with Sallie Mae. I discussed my loan options with a loan officer. I was approved for a refinance of my loan. I still receive emails and stuff in the mail and phone calls every single day. It's predatory. It's wrong information. They keep threatening my credit and telling me my loan is default. When I call the company I only get " I don't control the automated system sir ''. Well someone needs to control it and stop it I'm getting mail weekly and email every single day. It's ridiculous.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof ofmthe alleged debt. nor therefore any such debt in fact therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX Experian XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on  my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX ( TransUnion, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( TransUnion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( TransUnion, XXXX, XXXX ) XXXX XXXX XXXX 
Account Number : XXXX ( TransUnion, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX TransUnion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ) Unde

r 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting. I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately. I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i. Thank you for your urgent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit card or prepaid card

I had some problems with PayPal credit account and was struggling to pay my bill i was very upset how it was handled and wish they were to help me out I am XXXX and struggling I wasnt supposed to have a credit card but it happened im hoping I will learn my lesson but when having a XXXX its been rough maybe up to XXXX if thats possible in that range
Product: Checking or savings account

I am a XXXX Y.O. senior and I was the victim of a XXXX Impersonator. He called me and when I did not comply with his request for payment he shut down all my XXXX family cell phone lines. He called me back and explained that XXXX need 2 payments to restore my account. I sent 2 XXXX payments through TD Bank, on XX/XX/year>, {$650.00} and {$340.00}. when he requsted a 3rd payment I went to a XXXX store and they explained I was the victim of a XXXX impersonator. I filed a dispute with TD bank and they rejected it.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Pleaseremove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to deal with an account from a company called XXXX XXXX XXXX card  for over a year now. I have sent them multiple dispute letters AND phone calls stating that I had never opened an account with them and they are reporting a fraudulent account on my credit report. Now the account itself is not hurting me as it seems to be paid HOWEVER this account was never opened by me. I have spoken to someone from XXXX XXXX card and the person I spoke to in fraud department assured me that the account was closed and would not reflect on my credit report and here we are a year later with it showing as an open account and NOT REMOVED. I actually have a voice recording of this person at XXXX XXXX XXXX STATING THIS VERBATIM. I am beyond livid at this point. I have sent the 3 credit bureaus ( XXXX, Equifax and XXXX ) multiple disputes and they still are not help. I am working with an attorney now that is costing me XXXX  of dollars putting a class action lawsuit together but at this point I am running low on funds when this could all be resolved by just doing the right thing... NOT REPORTING A FRAUD ACCOUNT WHICH I NEVER OPENED. This is going to be the death of me. I have sent XXXX XXXX letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again this last XX/XX/XXXX. Still no one can help me.
Product: Credit reporting or other personal consumer reports

I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!