23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681.

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 information2 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.

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

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

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

I am requesting my XXXX XXXX bankruptcy be removed from all 3 credit bureaus immediately. I also am requesting a copy of my credit report from each credit bureaus stating this information has been removed from my credit report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 

1 XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

Cfpb, On XX/XX/XXXX I received a letter from Nationstar/Mr.Cooper saying the have received my Correspondence on XX/XX/XXXX. They said thank you for bring this matter to there attention. This letter says mandatory State pre-foreclosure notices may continue. 
I am wrongfully being threaten with Foreclosure by my mortgage company. My loan is current. I have a permanently modified Home Affordable modification Agreement. Under this HAMP agreement I am not delinquent. My loan is current and in good standing. 
Cfpb on XX/XX/XXXX I wrote to you and uploaded several documents about Nationstar/Mr.Cooper not honoring my Home Affordable modification Agreement. I was current on my loan before The COVID-19 Pandemic in XXXX and I am still current on my loan in XXXX during the COVID-19 Pandemic. 

I am a XXXX woman that has been able to stay current on my loan because of my Home Affordable modification Agreement. The [ HAMP ] program has worked for me.
Product: Mortgage

Complaint XXXX of XXXX Shellpoint Mortgage. 
On this loan I did get behind but on XX/XX/2016 I made a payment of {$2500.00}. At that time I believe that paid it current. I was told there could be some additional foreclosure costs due. However a couple of months later I received no correspondence. I called and discovered Shellpoint began foreclosing on the property. Apparently they put the payment in a suspended\partialpayment account where it has remained.
Product: Debt collection

This company calls from XXXX, and the caller ID shows it as being from either XXXX XXXX XXXX or XXXX. It is actually National Recovery. I do not have accounts with either XXXX XXXX XXXX or XXXX, and I have asked them to stop calling. They are hiding behind both of the companies to commit fraud. I don't know if the stores know that this company is spoofing their names. 

They call three or four times a day and are blocked on my cell phone.
Product: Debt collection

Nationwide Credit Corporation is reporting, to XXXX and maybe other credit reporting agencies, individual visit dates of service from a doctor 's office as individual " accounts '' based on account numbers generated by them. I do not have anything from the doctor 's office identifying the account numbers they are reporting. I have the bill from the doctor 's office showing my single account # of XXXX with charges by dates. I have XXXX " accounts '' /entries being reported to XXXX by NCC for this XXXX individual account I had with the XXXX of XXXX XXXX . None of the XXXX entities, XXXX, NCC or the XXXX/XXXX will take ownership of consolidating the charges for the XXXX single individual " account '' I had with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with In accordance with the Fair Credit Reporting Act the Lender XXXX  XXXX XXXX, has violated my rights. After disputing the late payments with XXXX  XXXX XXXX their investigation concluded that the 3 credit bureaus ( XXXX, Experian, XXXX ) are the only ones that need to remove late payments not their mortgage company. They simply said they can't do anything to change the late payments being reflected. Under the CARES ACT during my forbearance period late payments and negative remarks are not supposed to be reported as late payments they should be reported differently so they won't affect my credit history. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

My hardship began on XX/XX/2008, due to a very violent robbery on my business, I was shot and badly injured. I could not manage my business and I had a business failure. I had no income and our interest on our mortgage changed and the monthly payments increased. 

We were left in a very bad financial situation. Our household expenses also began to be too high, It was hard to keep up with all our financial obligations. 

Today I live off my social security benefits and my daughter is working and helping with our expenses. 

I have made several attemps asking the several servicing companies and investors to which my loan has been transferred, to review our situation and approve us for the best loan modification program that we are eligible. I would like to maintain my loan at 2 percent interest rate, reduce the amount of money owe, and have an affordable monthly payment. 


I would to request that Shellpoint mortgage to provide me with this information : 1. Proof of Chain of custody of title.

2. Proof of The amount of monies exchange for all of this transferring of ownership transaction. 
3. Proof the account has never been charged off ; where by an internal book entry credit has been applied, bringing the balance to zero ; and then without my consent a creation of a new account, was formulated, where the previous unapplied credit remained outstanding balance after the internal credit application. 
4. Proof that the a claim for mortgage default insurance was submitted as it is customary after the 3 months of mortgage default, and it was denied.
Product: Credit reporting or other personal consumer reports

I had some hard inquiries on my report that seem suspicious and I know I didnt do. I got in contact with my XXXX  team and they advise my to make a police report and call the places where they tried to pull my credit. After a few weeks of assisting me we saw that the hard inquiries appeared on my recent credit report and its affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed on my credit report as a separate line item. I have attached a copy of the Inquires section of my credit report showing the numerous inquiries for the same item. Specifically on XXXX ; XXXX and XXXX. I have also attached a copy of my Drivers License and Insurance Statement for identification purposes to continue to investigate this complaint. These multiple inquiries were for the same product, an auto loan and these inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following public record and credit inquiries listed on my Equifax, XXXX  and XXXX XXXX credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Mortgage

Notified of foreclosue sell to be held on XX/XX/XXXX XXXX County Borrower was about to default with only {$39000.00} balance causing them to be homeless I provided the past due payments along with attorney 's fees to reinstate loan Borrower povided Selene with my name to have authority over loan and requested assumption forms on XX/XX/XXXX. 
Borrower provided Selen Finance Third Party Authorization on XX/XX/XXXX submitted online I called today XX/XX/XXXX to inquire about assumption but was told they could not speak with me. 
I called again on XX/XX/XXXX at XXXX XXXX  to speak to supervisor of phone calls XXXX and had to leave a message XXXX Audit determined Selene was deficient with communication and I concur in XXXX they are deficient since the phone service can't remedy problems Barriers are placed on Borrower by Selene Finance who establishes the company as providing creative loan resolution strategies to preserve ownership No electronic mortgage forms to apply for assumption No electronic forms to view the terms of the loan No mortgage calculator to determine extra payments and how to reduce interest My experience is that this company is not reducing home loss.Due to my intervention, the loan was reinstated and foreclousre ceased. But I need a remedy to continue payments at a lower interest rate so the principal can be paid faster. 
Selene is not transparent and to date on web site interst paid on loan is not shared. The balance is XXXX. I believe they have profitted enough on the marginalized.
Product: Debt collection

The account balance owed with XXXX XXXX was {$7000.00}. I called XXXX XXXX to get th balance paid to improve my credit report and they gave me the contact information for lawyer office that had my account. I reached out and spoke with XXXX XXXX about setting up an agreement to pay the balance. He told me that I had no choice but to pay a high amount for the payment plan. I kept advising him that I could only pay {$120.00} per month. After months of him telling me that he would have to see is XXXX XXXX would agree with the amount for monthly installments, he finally said that XXXX XXXX approved my request to pay {$120.00} per month. When I would call XXXX XXXX, they would tell me they no longer had my account. However, XXXX XXXX makes it seems as if the account has to be approved by XXXX XXXX for payment agreement. He advised that I was not allowed to mae any payments until the agreement had been sent to me in the mail and signed and returned to him. It took over two months for the agreement to arrive to my home after calling XXXX XXXX to ask about the status, he said he would resend it. The agreement was made to pay {$120.00} per month with the first check processed on XX/XX/XXXX. I had paid {$120.00} every month thereafter. I had missed the payments in XXXX and XXXX then sent a {$250.00} check to the company onXX/XX/XXXX. I confirmed with the agency speaking with XXXX XXXX and he agreed to reach another payment agreement. We confirmed the payment arrangement would be {$120.00} every month moving forward on XX/XX/XXXX. The balance had been paid down to {$6300.00} at this point. I was served with a complaint filed from the collection agency/lawyer on XX/XX/XXXX. I asked XXXX XXXX if I could pay the {$120.00} until I receive the new agreement of payment by XX/XX/XXXX ( per his request ), he told me that would not be a good idea to make payments towards the balance until the letter is received and signed then returned back to him. I filed an answer with the state court to confirm the balance on XX/XX/XXXX to avoid judgement not disputing the debt owed. XXXX XXXX sent me an email onXX/XX/XXXX stating that my balance with all fees and costs will be : {$7200.00}. The principal balance on the account is {$6300.00}. The balance with fees and costs is higher than what was owed to XXXX XXXX initially. The balance owed for my debt is {$6300.00}. Now I am getting this charge off reported on my credit report every month since XX/XX/XXXX. I am a XXXX  mother just trying to pay this debt off so that I can move forward. I am unable to find housing because of this chargeoff and it seems to have become a heavier load on me.
Product: Debt collection

To whom this may concern your company Navy Federal CR Union is violating my consumer rights, breaking the FDCPA and the FDCRA. Your company also is furnishing inaccurate and incorrect information to the consumer reporting agencies. The report of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.

15 usc 1681 congressional finding and statement of purpose Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 usc 1681a ( 2 ) definition rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report.
Product: Credit card or prepaid card

I filed this complaint ( below ) in XX/XX/XXXX and in it was still pending at the end of XX/XX/XXXX. I recently just checked in on it and saw that they finally answered it in XXXX. I am responding in a more timely manner, and my complaint has already been closed. I read the response and it didnt give me any useful information on how to get my money back. 
I was unaware of some of the funds sent to me. I did receive 3 checks, {$17.00}, {$26.00} and l believe one for {$1200.00} and some change.

In my previous complaint, I did not note that I simply did not receive the checks that were endorsed to someone else, or the checks that have not been cashed. Someone intercepted them in transit. While the representative stated that Netspend cant reissue checks, I would have to argue that they have a responsibility to make sure that my money gets to me when you are closing my account without my knowledge. Had I been given the option, I would have just transferred funds to my bank. It is a HORRIBLE thing to have my own money being thrown around without my knowledge or consent. 
Also, in regards to being send an affidavit, I never received it. 
I did receive 6-7 new cards with my name which remain inactive. 


Previous complaint ... 


I have had a couple of net spend accounts for approximately 6 months. I was notified in XX/XX/XXXX that they had been closed due to suspected fraudulent activity. I was told that I would receive closure checks for the money that was in each account. Any open disputes that were found in my favor would be sent in separate mailings. After a couple of weeks I contacted them and advised that I had not received any payouts and I was advised one one call that they were on the way and on another call one check for XXXX had been cashed. I was sent a photocopy of a check but never received the real one. I'm told aside from the cashed check there are 2 others totaling XXXX and XXXX that were sent and are outstanding. Net spend says they can not reissue them.
Product: Credit card or prepaid card

I need a payment history showing a running balance and payments made from when I opened the account until now. I paid this account off in XX/XX/XXXX in the amount of XXXX and there is a balance and now fees due. I need a running balance history with payments to resolve this. Plus they have not followed any of the Reg F guidelines on my account. I have been working with them since XXXX of XXXX and getting no where. I feel like I need an attorney or small claims court. Just provide me with the running daily balance and payments I made to verify this amount owed.If it's mine I will pay it asap
Product: Debt collection

I called me written a letter to Credit Collection Services and we agreed if I paid the debt it would be deleted from my credit report. Its been a few months no it still reporting to all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  and Experian on numerous occasions in regards to the duplicate Bankruptcy that is on my credit for XXXX please see below as this doesn't belong to me. I provided the document to confirm that the one for XXXX is the only BK I submitted. See the attachment jts not for this below. 

Type Chapter XXXX bankruptcy dismissed Case number XXXX Date filed XX/XX/XXXX Status date XX/XX/XXXX Date reported XX/XX/XXXX Date paid XX/XX/XXXX Account Designator Co-maker
Product: Credit card or prepaid card

Fidelity Rewards Visa is charging me for a check that they sent to a account that is not mine. The amount is for {$14000.00} this amount is XX/XX/18 was the date that the credit balance refund. The merchant has advised that this money was cashed but it didnt appear in any of my accounts.
Product: Mortgage

On Wednesday XX/XX/2019, I had an exchange with a representative from Aurora Financial - NMLS#XXXX, XXXX XXXX XXXX. My original mortgage was with this company and they offer and advertised a no cost refinance solution (attached a screen shot of the page on XX/XX/2019). The rep refused to offer this program to me which would have brought a refinance 15 year rate to 3% based on what was advertised. He claimed that the offer was only valid for customers who had created a loan in the last 6 months. This was not indicated anywhere. The rate was supposed to be based on the 15 year 30-day RNY + 0.5% margin (which was at 02.52571 on XX/XX/19). The loan officer told me they would not offer the advertised program to me. I believe it could have possibly been discrimination and/or false advertisement of a program. I mentioned to the rep that I would be filing a complaint, and since then they have updated the terms of the program online and raised the margin spread. I have attached a PDF of the original page, and I have an email exchange with the representative from XX/XX/19.
Product: Student loan

I had to borrow money thru a private loan to complete my XXXX XXXX XXXX at XXXX University. I borrowed XXXX on XX/XX/XXXX and {$8000.00} on XX/XX/XXXX. Navient has my student loans. I started paying those loans back in XX/XX/XXXX. I pay around {$170.00} each month on the total loans combined. As of right now, I still owe {$6800.00} on the {$8000.00} loan and {$4600.00} on the {$4500.00} loan. How is this possible? I called back last year to see about a different type of payment or lower interest rate. They said they couldn't do that, but I could get a deferment which I used two separate times for a total of 6 months last year. I had been bit by a cat and had XXXX in my right hand. I missed a lot of work ( I'm a teacher ) and I had a lot of copays and doctor bills that I had to pay, in which I am still paying on. I just feel like paying off this loan is a loosing battle. I mean how can I still owe so much on these original balance or even owe more on the {$4500.00} loan than I even borrowed to begin with? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

About 10 months ago Shellpoint did not pay all my taxes.I disputed it with them and they finally agreed they were wrong.I lost XXXX XXXX  on my credit score because of their ineptitude.In XXXX my tax collector sent me a notice that taxes werent paid, i contacted Shellpoint and they said they dont have to pay that portion of my taxes.That is totally wrong on their part, they must pay all taxes on my mortgage.This is the second time they have been wrong and i loost another XXXXXXXX XXXX  on my credit report and if they dont pay the taxes by XX/XX/XXXX i will be delinquent..I want them to fix this once and for all. 
The XXXX XXXX loss is due to Shellpoint saying i was in conflict with them.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section XXXX XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage servicing company is padding my escrow account they have raised my mortgage by over {$300.00} a month. And I received less than a thirty day notice. The servicing company own rules state that they must give a sixty day notice of a increase in the monthly payments. The amount of money they want is excessive and is way over the minimum amount required to have in my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

names wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Year of Birth Select as many as apply 1977 address not mine remove it