23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar took over my loan in XXXX, but I did n't receive notification until a demand letter on XXXX XXXX. I may have tossed previous letters thinking they were junk mail refinance offers. I tried to log onto my previous servicer 's website to make payments several times XXXX through XXXX. 
I called Nationstar as soon as receiving the letter and stated I could make payments but wanted verification that they had the note and did indeed own my debt. They said they would send it and never did. I forgot to call them back until XXXX XXXX, asking about the note. They said they could e-mail it, leaving me wondering why they had n't done that before. They also said they had initiated foreclosure that day. I offered to pay the outstanding payments in full, but they said they would have to determine legal fees. Despite calling on the very day they initiated foreclosure, they called back a few days later and demanded {$900.00} of legal fees. I contacted their law firm and was mailed a letter saying no attorney had reviewed my account. 
I spent many hours on the phone attempting to get them to reduce the fees. They tried to force me to apply for a modification that would involve a new XXXX-year mortgage that would end up costing me a lot more in the long run. I considered hiring a lawyer and taking them to court, but it seemed like too much risk. I finally gave up and was forced to pay the exorbitant fees. 
In sum, my complaints : They foreclosed on my loan less than a month after I was notified that they owned the loan, and without providing me documentation of the note. My previous payments were not considered late until the XXXX of the month, yet they foreclosed before the XXXX. They claimed I owed {$900.00} in legal fees despite the fact that I attempted to pay in full within hours of them " initiating foreclosure '' - and I had previously expressed willingness and ability to pay in full on XXXX XXXX. I was only 4 months behind in the XXXX place because I could n't figure out why my previous lender was n't accepting payments XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello collection # XXXX was removed XXXX and XXXX, but wasn't removed from Transunion, I already sent identity theft report to you all, stating this isn't mine and also investigation results shows different balance one shows {$6900.00} and one says {$7100.00} ( see attached ). I also was denied an auto loan because of this I need this collection removed from my consumer report immediately thank you.
Product: Debt collection

Upon reviewing my latest credit report, I found multiple accounts that I believe are inaccurate and were added without my consent.
Product: Vehicle loan or lease

Today XXXX I called and spoke to XXXX about 2 late payments on my account. I got transfered 3 different times all because they couldnt answer me when laws were quoted. 
The last agent told me they don't have a credit reporting department so I would have to get the bureaus to update the late as they can not change the late payment. BUT SOMEBODY IS REPORTING THE DEBT IN ORDER FOR THE BUREAU TO POST!!!! 
That is breaking my privacy right as reporting this info which is {$1000.00} violation ' 15usc1681b says no permissible purpose so if they didnt get my permission to post this information how can they?????

15usc1681a2 a ( i ) exclusion from consumer report ..transactions and experiences between the consumer and the person creating the report. So if it is EXCLUDED from the report how are they allowed to report it anyway. 
I call the bureau as they advised me to and the bureau says they just have to keep disputing it and go by what they say... .where is the justice if it just keeps bouncing like a basketball from me to the bureau, the bureau to automax and automax back to the bureau with the same lame answer. Thats not fair at all.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXXXXXX XXXX XXXX  XX/XX/23 XXXXXXXX XXXX XXXX  XX/XX/23 XXXX XXXX XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX The account number is 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) a person sgall not furnish any information relating to a consumer reporting agency if the person knows or has resonable cause to believe the information is inaccurate.
Product: Prepaid card

I purchased XXXX giftcards from XXXX in the store. When I went to activate the card, the balance was less than what the card was purchased for. I contacted the vendor imediately and started a dispute with them. After 3 months, I was advised my dispute was not denied and no reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, inaccurate information on my background report run for a potential employer shows that I was I was XXXX in XXXX of a XXXX of {$2500.00} or less with 2 or more previous XXXX, which is inaccurate. In XX/XX/XXXX I was XXXX of XXXX XXXX XXXX XXXX XXXX and my the XXXX XXXX was dismissed according to the XXXX XXXX XXXX I received from my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has take said company more than 60 days to respond to prior complaints they arent reading the complaints they are using a system generated AI platform which the systems is deems it correct information. the XXXX XXXX XXXX I have asked the company to stop calling me to seized all contact me back XXXX. However, I am still receiving threating alerts from the credit card companys credit alert. Stating my credit score has gone done. even though they have charge off the account and written it off as a tax right out. This has caused me great stress health issues. I have called the XXXX XXXX was told the card was reopen and cancelled again XX/XX/XXXX previously it closed in XXXX. Account has been charged off and is a violation of my rights. 15 U.S C 1681 section 602 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 account without my written instructions 15 U.S C 1692C. Without the prior Consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Credit reporting agency is showing incorrect information account has been closed and charged off but is showing a late payment status of XX/XX/XXXX this is false information. Name on the card is incorrect. My Name is XXXX XXXX XXXX not XXXX XXXX XXXX this is a violation of my rights and is inaccurate if this account is not removed, I will seek legal action against XXXX XXXX and XXXX for misleading information 15 U.S. Code 1692c - Communication in connection with debt collection. XXXX
Product: Credit card

I have been trying to -0- out our accounts with BMO and cancel them. Have sent them multiple letters and payments. They continue to post our payments to the wrong account and as a result create service fees or past due charges to our accounts. I filed a complaint with you # XXXX regarding this same matter and thought it had been corrected, so I fulfilled my part of the solution. I have sent a letter to the manager of collections on XXXX XX/XX/XXXX explaining BMO had again posted our payment to the wrong account but the only reply I received was another statement which did not reflect a correction to their error. I tried today to call their number for customer service, reached some individual in XXXX, who spoke heavily accented English and I apparently did not understand options so did not properly answer security questions. I therefore could not determine if they had received my letter explaining their error. Please refer to my prior complaint, listed above, for account numbers, etc. Filing a complaint with your organization seems to be the only way I can get the attention of and any correction to BMO 's errors.
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. 

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

15 U.S.C 1981 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

I told XXXX, Trans Union, and XXXX to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states, that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : No, consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

XX/XX/2019. Received a call from a female representative at key2recovery. the woman was attempting to collect the debt that I owe. I told her I wasn't able to make a payment at that time. I told her that my brakes on my vehicle went out and I had to pay to have someone evicted from my home. I told her that we didn't even have money for food. She asked me if I could borrow the money and I told her no. While she was on the phone I had company and I couldn't keep telling her no so I got short and hung up the phone. 
XX/XX/2019. I received a text message from my bank saying that key2recovery took {$100.00} out of my account. I called key2recovery and spoke with a male who said he was the supervisor. Explain the situation to him and ask him to give my money back and he told me according to his notes that he was allowed to take my money. He wouldn't listen to me and he kept talking over me. Next, I called my bank and ask them to stop the payment. They said I would have to call back tomorrow because the payment was still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies that report to my credit account has tremendous stress in my life! Its causing me some serious damage to my well being! My finances and XXXX XXXX are in shambles because of this! They broke the law when they reported the amounts without notifying me first of any sort and as a result Im unable to purchase anything because of these reports! 
All documents where sent XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of the 143 million affected by the Equifax data breach that was confirmed on XXXX XXXX 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I sent a letter to Experian, in regards to the accounts that were inaccurate and needed to be fixed. I gave them the 30 days which is determined by law and on XX/XX/2021 I sent a follow up letter stating to them ok it has been 30 days I need to see what has transpired of the reinvestigation, but I still have yet to hear anything and it is now XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have submitted all relevant documents to each of the three credit reporting agencies. To date, I have been able to receive status updates and/or investigation results from XXXX and XXXX, respectively. I am not having any success in obtaining information from Equifax. In fact, although Equifax has sent me an email stating my dispute is complete. But in spite of this fact, I haven't been able to access said report after making multiple attempts both online and by phone. A separate and earlier dispute was submitted on XX/XX/2019. More than one month later, still no information. And, I have been unable to receive a copy of my annual credit report for Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed BANKRUPTCY  XXXX  the creditors was properly notified from my attorney and also  XXXX  and   XXXX   notified them I have documented emails from all  XXXX  parties, these creditors are still on my credit, they should have been removed
Product: Credit reporting or other personal consumer reports

The consumer reporting agency has violated their FIDUCIARY DUTIES to follow through with my instructions and can not provide evidence that I consented to them reporting my non-public information, transaction history and that I gave up my federal rights to opt-out and to my personal privacy because there is none. Their violations for several years has severely affected my ability to live, work, educate and function financially as a federally protected consumer. The data breach is proof of claim that the willful sharing of my private nonpublic information with affiliates and non-affiliates has made it possible to exposure and theft of my private information caused financial loss. Which has continued to adversely compromise my right to pursue happiness. I have given my instructions to the third-party agency Experian, XXXX & XXXX to Remove transaction history and the following per the Federal Law. Instead of adhering to my federal right to opt-out I did not authorize the public display of my nonpublic information. ( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), ( 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ), ( 16 CFR 313.1 - Purpose and scope. ), ( 15 U.S. Code 6801 - Protection of nonpublic personal information ), ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ), ( The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), ( The Privacy Act of 1974 ( 5 U.S.C. 552a ) 552a. ), ( 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. ), ( 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION ), ( 15 U.S. Code 6805 Enforcement ), ( 15 U.S. Code 1692e - False or misleading representations ) XXXXXXXX XXXX XXXX File Number XXXX CIK Number XXXX IRS XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX a savings account was open online at Bank of America using my identity. I got an email stating it was open and confirmed. I was not the person who opened the account. I had to go into a Bank of America branch to fix this. There was nothing the branch could do but have me wait on hold for an hour with there fraud department. They could not tell how it was opened. I have a credit freeze with the credit bureaus for over a year so my social security number can not be used to pull credit. Bank of America could not tell me if someone used a false ID card to open or anything no Id seemed to be asked for in regards to opening the fraud account. The address I grew up with was used to open the account, I have not lived there for over 8 years.
Product: Checking or savings account

Navy federal has a high case of fraud some one is going into there customers bank accounts and aching money to them selves and navy federal is not giving the money back to the banking customer when it's proven with police reports that acess was not given to anyone the criminals names bank name along with account number and routing numbers are attached. And they still did nothing they did not reach out to the other banks to get my money back {$20000.00} was taken from my account that's not it navy federal bank stated taking money from my credit card with navy federal and taking money from the other accounts that I had with navy federal then shutting down my card and not allowing me acess to any accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX -XXXX  XXXX ( finance ) XXXX XXXX -XXXX XXXX  XXXX finance ). XXXX XXXX -XXXX XXXXXXXX ( finance ). XXXX XXXX -XXXX  ( bank XXXX. XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My husband and I have a home mortgage that is serviced by Loancare. Our mortgage payments are automatically drafted, so we are up to date and our loan is in good standing. The problem is, for the past month, we have been trying to make a large principal payment to our account. I have not received a statement ( which includes the payment stub for additional principal payments ) from Loancare since XXXX ( almost 2 months ). I tried paying on their website, but their server has been unavailable for over a month. Every link associated with www.myloancare.com comes up as " server unavailable. '' I've tried accessing the website on different devices, different browsers, and different times of day in case it was due to high web traffic. Always the same results : " Server unavailable. '' I've tried reaching them via phone with the same results. I'm sent in circles by the automated phone system, kept on hold for 6 hours or more, then the line disconnects. 

I believe Loancare has an obligation ( both legal and ethical ) to be available to their borrowers. I'm glad I have auto-draft on my regular payments, but I have the right ( and should have the ability ) to make additional payments on my mortgage any time I choose. I can't imagine how infuriating this must be for people who are behind on their loans and Loancare is making it impossible for them to pay. The company seems to have abandoned all pretense of customer service, or even providing reasonable means for borrowers to make payments.
Product: Credit reporting or other personal consumer reports

Gap settled the payments with Aly Financial, I called Aly to make sure I didnt owe anything else. They said I was clear and did not have balance. Than 2 months later, a balance pops up on my credit. So I have no idea where this came from, or how it popped up. Not only are they reporting this {$98.00} payment on my credit but the account has been charged off and they have written it off through there taxes. So now they are trying to still collect from me, when they have already been paid through taxes for this amount. By law that is double jeopardy and very much illegal to do this. So now they have placed a {$98.00} payment on my account without my consent or contract for this amount. They now, are trying to multiply their earnings for it. Please delete this account in whole From my credit report, Aly!