23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Through this platform, which I am sure is a very excellent agency, I hope to have some help from it. My situation is that this debt collection entity was initially called NATION STAR MORTGAGE LLC, and later changed its name to MR. COOPER LLC, I have tried by all means to grant me a modification to keep my house where I have lived for the last 15 years with my family, my wife and children. 
As everyone knows, the PANDEMIC-COVID-19 has been devastating in every way, causing many deaths, separating families in many ways due to the consequences caused by it, such as unemployment, inflation, lack of products, and all the products have tripled in price.

2019 where apparently everything was normal.

I explain all this to get to the subject of my complaint.

This entity has been fined by its department for irregularities and for violations of federal laws that regulate loans and finances, therefore this ENTITY now called MR. COOPER LLC, which is the entity in charge of collecting this loan, has already had its history that they have violated the RESPA, TILA and possibly other laws. 
This entity has taken on the task of not cooperating with property owners ( Primary Residence ) to modify those loans so that families who have suffered so much with this PANDEMIC-COVID-19 at least have a place to live with their families..

I have called the ENTITY trying to obtain a loan modification, but they have not answered me, they have not helped me at all, I would like them to help me with a modification to be able to stay in my property, which I need so much at the moment.

I expect your Agency to notify this entity so that they can help me with the aforementioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed an application for XXXX XXXX  in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXX/biweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ 67  pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking XXXX, XXXX  or XXXX the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

XXXX : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XX/XX/XXXX, Term : 67 months XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XX/XX/XXXX, Term : 67 months XXXX : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XX/XX/XXXX, Term : 54 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a XXXX XXXX account in early to late XX/XX/XXXX and I had no credit score when I first created the account. In early or late XX/XX/XXXX, I noticed that I suddenly had a credit score and a credit card had been open under a fake name and what I assume a fake address. I tried contacting Capital One that night, but was not successful at getting ahold of a representative, because I did not have the account number or credit card number associated with the fraudulent account. I also noticed that an XXXX XXXX XXXX bill had appeared on my XXXX XXXX account along with XXXX. I have never been with either company. I have reason to believe that, the person may have gotten ahold of my social security number somehow. I'm in the process of contacting Capital One by mail and hoping to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, my credit report was accessed from Maryland by XXXX XXXX XXXX XXXX '' This company is not legally authorized to access my credit report and I'd like Equifax to explain why they are permitting this. 

Litigation to follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding CITI bank credit account in my name, I got a court order to prove the debt does no matter to me. I did forward the court order to CITI BANK by email on XX/XX/2021. I requested Citi bank remove adverse records from my credit history. 
Citi bank stated resolved in 15 calendar days. However, afterwards, Citi bank has been silent till now.

Citi Reference Number : XXXX
Product: Debt collection

Agency claims debt is owed from a service in Colorado in XX/XX/2020 and I did not live in Colorado at this time. Debt is not mine. Debt was disputed with XXXX and XXXX and removed from report as it was found to be invalid. The agency is continuing to pull my credit report as hard inquiries with XXXX. I have contacted the collector and disputed the debt with them as well, but they continue to harass me and impact my credit with hard inquiry pulls despite the debt being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly reporting information to credit bureau and not in a timely fashion. Reported no activity to Experian for the month of XXXX when balance was paid and there was a XXXX balance. Then updated for XXXX to XXXX when balance was XXXX. Multiple times XXXX XXXX XXXX has not reported payment and balance information that I have had to call and resolve after many many attempts and complaints. My credit score is inaccurately reflected and this is multiple times now that I have to call and dispute to get resolved in which they require me to send a mail to them with my credit report and the error which I shouldnt have to do because its their fault. Also I submitted a dispute with Experian about the inaccuracy and XXXX still doesnt respond to the dispute with ACCURATE information AND Experian isnt following up on the innaccuracy of the report. I made a complaint with Experian that XXXX was incorrectly reflected for XXXX and they closed the dispute without making any changes. I was going to buy a car today and their inaccurate reporting has caused my credit to drop and therefore higher interest rates.
Product: Credit card

On XXXX XXXX XXXX XXXXXX/XX/year>, I received my monthly statement from KOHL 'S, which I reviewed for the first time. Typically, I make my monthly payments through my bank 's online services. Upon examining my KOHL 'S statement, I discovered that I had been charged a PROTECTED BALANCE interest rate of XXXX  % XXXX, amounting to {$25.00} for this month. I suspect that these charges have been applied for an extended period. Consequently, I contacted customer service on the same day at XXXX XXXX XXXX. During my conversation with XXXX, he initially appeared unfamiliar with the PROTECTED BALANCE interest and repeatedly asked me to clarify which line in the statement I was referencing, requiring me to explain myself approximately XXXX times. Ultimately, he informed me that he could not assist with the PROTECTED BALANCE interest charges and suggested that I should have paid the full balance indicated on the statement to avoid such fees. I am seeking a credit for all the PROTECTED BALANCE interest charges that KOHL 'S has imposed on me over the years. 

Credit card companies can not charge interest or fees on protected balances. A protected balance is the amount owed on a credit card account that is not subject to interest rate increases or fees. This includes any charges incurred before or within XXXX days after the card issuer sends notice of an increase
Product: Credit reporting or other personal consumer reports

In accord to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies excise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy ''. Experian, XXXX and, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my PRIVATE information isnt shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of it's customers and protect the security and confidentiality of those customers nonpublic personal information '' ( Furnisher of information to Credit Agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : in accordance with the WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES ''. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Experian, XXXX and, XXXX ( Furnishers of information to credit agencies ) weather it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. ( Furnishers of information to Credit Reporting Agencies ) NEVER informed me of MY RIGHT to exercise my NONDISCLOSURE OPTION, not only that under 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years ''. This accounts is an adverse item they are reporting again without my permission which is against the LAW. 15 U.S Code 1681s-2 ( a ) ( 1 ) a states " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title ''. Experian, XXXX and, XXXX are not maintaining reasonable procedures. Also 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at anytime ''. Also reporting credit transaction history is Illegal under 15 U.S. Code 1666b ( Timing of payments )
Product: Debt collection

I called debt collector General Avenue to verify the debt because I was only sent the list of payments but not the verification of my signature. It was reported to my credit report and I would like it removed and for them to perform a proper debt validation under the Fair Debt Collection Practices also prove they have a legal right to collect the debt.
Product: Debt collection

On XX/XX/XXXX I went on XXXX XXXX and noticed my score had gone down, went to check out why and seen something from ic systems and XXXX XXXX XXXX ... I also seen that it had come from XXXX and XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I didnt have neither one before, I called and it the rep said it had come from an address Im XXXX XXXX, Florida I have never lived in Florida ever ... .I have also never had XXXX XXXX nor XXXX XXXX ... I need this taken off because it if affecting my credit score ... This is obviously identify theft and fraud..I have never received bills from here which proves that is was not done by me, I havent received any notifications ... if it was not for me checking my score I wouldnt have known nothing of this
Product: Debt collection

My grandmother passed away 3 years ago and now im finding out that she had opened credit cards under my name who are now in collection such as the following accounts : XXXX XXXX XXXX XXXX {$1100.00} MIDLAND CREDIT MANAGEMEN- XXXX {$640.00}
Product: Credit reporting or other personal consumer reports

I was apart of a data breach and there's several things on my credit that shouldn't be there. 

Inquiries that I didn't inquire about. 
Loan request that I didn't inquire And a car repo that was paid and I'm still getting hit with late payment 2 years later. I did do an dispute but nothing came of it
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter XXXX XXXX XXXX opened a credit card account ending in # XXXX in XX/XX/XXXX at XXXX XXXX XXXX XXXX. She added me as an authorized user. I requested and she removed me from the account on XX/XX/XXXX by XXXX. She was 30 days late on her payments in XX/XX/XXXX and this is reflected on MY Equifax credit report and looks like I had a late payment. This is my second request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

For the past month, I have been getting at least 10 or more phone calls per day from paypal credit. They are no leaving any voicemail. I have reached out to various | '' agents '' of theirs and telling them i am unable to pay the minimal payment at this time. ( it was XXXX ) I instead paid XXXX. With intention of getting this bill caught up. I've had a family emergency that utilized my extra funding. But with disregard to my requests of not receiving further calls throughout the day and night, they continue to come. PayPal continues to increase minimal due each month, making it that much harder to pay
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal removal They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} 15 USC 1681 Section 603 ( 3 ) ( E ) States ; 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.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Product: Debt collection

I did hold a credit card account with XXXX issued by XXXX Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing XXXX balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since 2011 till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. 

Merchandise was returned to XXXX and credit was received but XXXX Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I BEEN A VICTIM OF IDENTITY THIEF. SOMEONE HAS GOTTEN HOLD TO MY INFORMATION AND HAS OPEN FRAUDULENT ACCOUNTS UNDER MY NAME I AM A XXXX  22 YEARS THAT DON'T UNDERSTAND WHY THIS IS HAPPENING TO ME PLEASE HELP ME RESOLVE THIS MATTER
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised and I believe it is from the Equifax data breach. Multiple accounts have been opened under my name without my consent and now my credit took a huge hit because of it. I am someone who always pays their bills on time no matter what and this has caused me huge setback in my financial life because I had plans on purchasing my first home and now I can not due to credit rating. Please help me get this corrected thank you in advance.
Product: Debt collection

I recieved outstanding medical debt of {$54.00} reporting on my credit report. I never received a bill or any type of correspondence in regard to this debt. This is not my debt. I called the original creditor XXXX XXXX XXXX which is to verify the debt, and there was nothing owed in my name. It is on my credit report that Nationwide Recovery SYS has taken over this debt. I contacted Nationwide Recovery SYS to ask for debt verification and this company could not assist Please remove this negative inaccurate information from my credit report. This a violation of my rights and hurting my credit report. I am prepared to file a formal complaint with XXXX, XXXX XXXX. This company does not have any documentation or signed physical documents giving my consent to release any information.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I am writing to urgently inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. This unauthorized account and inquiries were added without my knowledge or consent, and immediate action is required to address them. 

Account XXXX  XXXX Inquiries - DEPT OF ED XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified this. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector
Product: Credit card

I received an email related to a XXXX package being delivered to my address. I received the package and found it to be a JetBlue credit card I did not apply for. I checked with the XXXX XXXX and found that JetBlue Barclay Bank did a hard credit inquiry with XXXX on XX/XX/2023. I called JetBlue and they had, not only my name and address, but my social and DOB. I explained the situation to the representative 1 and I inquired about who had authorized a check on my credit and why had I received the card. I was placed on hold for the Fraud unit ; however, after Representative 2 answered, I had to go through the entire explanation again. Representative 2 advised I would need to speak with the Fraud Unit, advising the their office was closed.