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

I have filed a dispute in regards to a incorrect item on my credit report. It has been well over 30 days and I haven`t received any investigation results.
Product: Mortgage

I am requesting Nationstar Mortgage LLC to provide copies of documentation of Power of Attorney for   XXXX   XXXX   XXXX   XXXX   or   XXXX   XXXX   XXXX   XXXX   as Trustee. I would like documentation showing they have legal rights to recieve any payments or make any service to this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I was the victim of identity theft and needed to freeze credit reports and put fraud alerts on my accounts. I also requested credit reports. XXXX and XXXX has correct information listed and accurate credit scores. Equifax does not show my refinanced mortgage which I am the co-borrower with spouse on dating back to XX/XX/XXXX. Payments have never been missed and we are good customers. The Equifax report indicates that my score is lower and it is lower by XXXX points due to not having enough credit. 

Since XX/XX/XXXX, I have made numerous calls to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to please correct this information. Equifax has specifically asked that XXXX contact Equifax directly to correct this. I was told by XXXX that the CEO of XXXX is aware of this issue and reports XXXX has no obligation to report to Equifax. 

I do not understand why XXXX refuses to correct this issue as is impacts my ability to seek credit at the best possible rate which is something that will be occurring later this year when a purchase a new vehicle. XXXX is not prevented from correcting this error the XXXX XXXX just does care to take the important extra step to resolve an error on my credit report that directly impacts me. 

This is not ethical or good business practice. It impacts my finances directly and is easily correctable. I want XXXX to formally correct this issue to Equifax to reflect my mortgage since XX/XX/XXXX, which is in good standing. Thank you.
Product: Credit reporting or other personal consumer reports

According to 15 USC 161a2 these companies XXXX XXXX  XXXX {$590.00} XXXXXXXX XXXX XXXX  XXXX {$8100.00} XXXX XXXX XXXX XXXX. No name is even provided for this company acc # XXXX XXXX these companies are in violation of my rights pursuant to 18 USC 8 , I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4. I did not give written nor verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents
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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX 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 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 or other personal consumer reports

I have been in contact with the credit bureaus for a few months now regarding some accounts and inquiries that I do not recognize. These accounts are assumed to be fraudulent and when I disputed them according to FCRA-605B with a police report, FTC reports and letters with my personal information to verify my identity : XXXX took care of all the fraudulent accounts and inquiries, XXXX removed a couple and the inquiries, and Equifax removed the collection then added it back. Since the initial dispute in XX/XX/XXXX, I have not received any responses from XXXX or Equifax the last 2 times I sent letters in XXXX and XXXX asking why XXXX removed the fraudulent information, but the other XXXX bureaus have not. Also, the previous addresses reporting are incorrect. I am demanding that these fraudulent accounts and incorrect addresses be removed immediately and the only address that should be reporting is my current address on the letters being sent this month, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove collection account from my credit file. Collection company told me that they deleted the account from my credit file 3 weeks ago. The collection company said the deleted through e-Oscar several weeks ago. Equifax has continued to state they haven't received it.
Product: Student loan

Nelnet received my XXXX application on XX/XX/2023. I have called and emailed Nelnet on multiple occasions to find out why my application has not been processed. It has now been over one month ( today is XX/XX/2023 ), and I still can not get an actual date by when my XXXX application will be processed.
Product: Credit reporting or other personal consumer reports

Please take immediate steps to remove the fraudulent inquiries from my credit report. They were not authorized by me and are causing me significant worry
Product: Credit reporting, credit repair services, or other personal consumer reports

For 6 months I have been disputing inaccurate information on my credit reports. From what I can tell my letters were never even opened because I did not receive results in the mail.
Product: Credit card or prepaid card

I pay my credit card off and USAA constantly puts my payment on hold for 7 days and it clears my Credit Union within 24 hours of being submitted
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$240.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

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

I have attempted to place a freeze with XXXX XXXX I have sent them a copy of my ssn card and state id. I have explained to them I do not have any bills no cell phone bills or anything. Please freeze my records. My complaint as a consumer they are saying I must have bills to verify my address my phone is prepaid. Not only that I have called everyday and left messages and they have it called me back. Why cant I get a person on the phone. And why are they requiring only to help if I have a bill. This is violating my rights and becoming harassing. I have sent fax submissions as well. And my home telephone number is XXXX and I can be contacted by cell XXXX which is not paid by myself so there is no Bill for me. XXXX XXXX  never return my voice messages and never can be reached directly you get a voicemail
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

My account XXXX There's {$180.00} in it.I need to withdraw money. My account has been more than 180 days since the last payment, but there are still some restrictions that prevent me from withdrawing money.When I withdraw my money Tip : Sorry, something is wrong. Please try again later. Please help me deal with it, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my consumer credit report is inaccurate and unauthorized in accordance with U.S.C 15 1681 a-d. 
- Never given credit agency written authorization to place adverse info onto consumer report. 
- Docket number listing XXXX XXXX  bankruptcy discharge is inaccurate - Placing such information on my report without written authorization is illegal IAW 1681 a ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18.

( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

( 5 ) Any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.
Product: Mortgage

I was solicited via direct mail by Global Equity Finance in XXXX of XXXX for a refinance on my existing conventional home loan. I responded to the advertisement and was told to apply online and was approved on XX/XX/XXXX. I subsequently provided all the necessary documents requested, paid for an appraisal, new HUD tags, etc. and was supposed to close yesterday, XX/XX/XXXX. I was told today that my home is ineligible for refinance because the build date was XXXX. They said their records showed my home was built in XXXX. I never provided that date, their records were wrong, they solicited me and charged me hundreds of dollars during the process and then cancelled the refinance. I should not be financially burdened by their incompetence and incorrect data. Had I ever been asked what year the home was built I would have told them XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I was notified that I was denied a line of credit from regional acceptance on XX/XX/year> but I have never applied for a loan or line of credit from that company and have never been to their websites. I believe my personal information was used without my consent and I would like that inquiry removed from my file and for them to get rid of my personal information.
Product: Credit reporting or other personal consumer reports

I am demanding written proof of me as the original creditor giving you consent to furnish this negative account COLUMBIA DEBT RECOVERY # XXXX opened XX/XX/2023 on my credit report without my consent and refusal to remove this account is now consisted to willful noncompliance with the FCRA laws. This is defamation of character. I WILL FILED THIS LAW SUIT IF THIS ACCOUNT NOT REMOVED.
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 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  has violated my rights. Or list of inquiries 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 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 or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have remaining items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX  Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$3800.00} 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 OK XXXX XXXX XXXX XXXX, OK XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX  Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Mortgage

I received my original LE with Rate Lock on XXXX 2.5 % with 0.25 % points, {$450000.00} Loan Amount and {$600000.00} Appraisal Value. The Total Closing Costs were {$1500.00} with ( D ) {$2400.00} + ( I ) {$590.00} - ( Lender Credits ) {$1400.00}. 

On XX/XX/XXXX, I received the Appraisal report valuing the property at {$550000.00}. Based on a phone conversation with the MLO XXXX ( NMLS # XXXX ), he informed me that I would need to bring additional cash to closing to reduce the LTV and keep the same pricing. I agreed to bring an additional $ XXXX to closing and reduce the Loan Amount to $ XXXX to keep the same pricing. Concurrently, I also asked XXXX to discuss with his Underwriting team to see if they would consider a Reconsideration or Value as the same 4-bedroom condo plan sold for {$560000.00} on XX/XX/XXXX and is currently estimated at {$580000.00} on XXXX, XXXX, etc. so I could leave the Loan Amount at {$450000.00}. 

XXXX called me back on XX/XX/XXXX and informed me that even though I agreed to bring in the additional {$10000.00}, the pricing had changed due to the LTV originally at 75 % and now at 80 % with {$440000.00} Loan Amount. I was upset to hear that loan cost had changed by {$1100.00} a week before closing and emailed XXXX to get the updated LE or CD and get my finances ready. 

On XX/XX/XXXX XXXXXXXX XXXX, I received my Closing Disclosure@ 2.5 % with 0.5 % points ( {$2200.00} ), {$440000.00} Loan Amount and {$550000.00} Appraisal Value. The Total Closing Costs were now {$2300.00} with ( D ) {$2200.00} + ( I ) {$180.00} - ( Lender Credits ) {$1400.00}. I signed the CD and  returned it to the lender and asked to change the closing date from XX/XX/XXXX to XX/XX/XXXX in order to organize my finances for the additional cost. The rate lock expiration is XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX I emailed the Loan Processor and asked for a status update as I was kept in the dark since signing the CD. I just received an email back from the MLO at XXXXXXXX XXXX  stating the following : " XXXX your options are as follows. 2.5 rate costs you 1pt or you can get a 2.75 and pay only the .5pt fee. Let us know to you wish to proceed. '' Having worked in the financial industry for 15 years, I checked with my employer XXXX XXXXXXXX XXXX XXXX Director of Compliance who informed me that you should not be changing the pricing or loan cost once I've returned them a signed CD. I emailed XXXX back and asked for him to review with his compliance team and not change the pricing days before closing. 

The MLO informed me that he made an error in the property type and obtained a rate lock for a PUD,  rather than an attached condominium and that is why there was a change in pricing. I informed him that my application was submitted as a condominium and that even the Appraisal returned was listed as a condominium. He admitted that he made a mistake on his end however, I don't know if this was truly a mistake or a bait and switch attempt. The lender has already done a hard pull on my credit and because we had a rate lock, I stopped shopping with other lenders and focused my efforts on closing my loan with Owning.
Product: Debt collection

Atlantic Recovery Soulutions ran my credit report without my permission. I have never heard of Atlantic Recovery Solutions before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Atlantic Recovery Solutions.
Product: Credit reporting

We paid for a one-time credit score from Experian and were signed up for a recurring service without our knowledge. Our account numbers are XXXX and XXXX. We are asking for a refund of all charges ( two months have not been refunded at this time ) which are {$19.00} for two months for XXXX people - approximately {$80.00} total.
Product: Credit card or prepaid card

The company did its investigation, saw that the payments were made fraudulently via their company error, they sent me a letter reversing the charge and then proceeded to make a statement showing they returned the payment twice to my bank account, they did not, however they only returned XXXX XXXX XXXX fraudulent charge and proceeded to charge me two late payments for their mistakes or negligence with my bank account information and whoever created the false payment via their system.