23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted a qualified written request ( QWR ) to Nationstar Mortgage LLC dba Mr. Cooper, the purported servicer of my VA mortgage loan on XX/XX/XXXX. They responded to my message through their online portal that I will be contacted within 5 business days. This never happened and I had to communicate to Nationstar again on XX/XX/XXXX which then they referred me to call their customer support at XXXX. I spoke with support and they told me they can not release the documents I requested. I have yet to receive the QWR documents in violation of RESPA and Pennsylvania XXXX laws. 
I am requesting a complete payment history, a certified copy of the original note, and a signed affidavit from someone in the company stating that the note was an original, not a scanned copy. Along with my original mortgage documents, riders, mortgage application and compliance with VA servicing standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in question is Experian. There is an inaccurate item that has been on my credit report that I have been struggling to have removed for years. I finally get XXXX  and XXXX to investigate and the item can not be verified because it is not mine. XXXX and XXXX  properly remove the item from my report! But Experian does a so called investigation that lasts over 45 days and they somehow come back and say the item was verified! As is my right in Texas I ask for the name and contact number for the person who verified the information at XXXX XXXX. Experian tells me they DO NOT have to provide me with that information. They expect me to believe they really did an investigation when they did not! It makes no sense that the other 2 credit bureaus remove the item because it can't be verified but Experian somehow magically verifies it but won't tell me how they did it! I
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding the handling of my personal informationbyyouragencyandtoformallyrevokeanyconsentrelatedtothesharingor reporting of my personal data. 
Under the Fair Credit Reporting Act ( 15U.S.C.1681 ), consumer reporting agencies like [ Equifax/XXXX ] are required to exercise their responsibilities with fairness, impartiality, and respect for consumers rightstoprivacy.Furthermore,15 U.S.C.1681Section604 ( a ) ( 2 ) states that consumer reports may only be furnished with the written instructions of the consumer. I have not provided any written consent for my information to be shared or reported, and I hereby revoke any prior consentwhether verbal, written, implied, or otherwise. 
Additionally, under15U.S.C.1681c ( a ) ( 5 ), adverse information that is older than seven years ( unless related to criminal convictions ) may not legally be included in consumer reports. If your agency is reporting any such outdated or adverse information about me, I demand its immediate removal. 
Finally, under15U.S.C.1681e, youragencyisobligatedtomaintainreasonable procedures to avoid violations of the law and ensure that consumer reports are used only for lawful purposes. Your compliance with these requirements appears to be insufficient in my case.

I am therefore requesting the following actions : 1. Stop all reporting of my personal and financial information without my explicit, written consent.

2. Immediately review and correct any inaccuracies and remove adverse information that violates federal law.

3.Provide written confirmation that these actions have been taken and my information is no longer being improperly reported or shared.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Date:02/23/23 I looked at my credit report because I have huge goals. I am looking to Buy my first house. I wanted to make sure everything was reporting 1 00 % correct AND everything was accurate. Can you reinvestigate the completeness accuracy of the list of accounts below. 

Account name : XXXX XXXX account Number : XXXX investigate the completeness accuracy of every piece of information If its not accurate, please remove it from my credit report. 



Account name : XXXX XXXX XXXX Account XXXX : XXXX investigate the completeness one! accuracy of every piece of information If its not accurate, please remove it from my credit report. 


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

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/XXXX I received a copy of my credit history report from Transunion. That Report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I mailed letters to XXXX and Equifax showing them copies of incorrect information that is being reported through their companies. I received a letter from Equifax stating, " We received your request regarding your Equifax credit file. However, we are unable to locate a credit file for you for one of the following reasons : 1. You have not applied for credit recently.

2. You have not actively used credit in the past ten years, or 3. You have not lived in the United States or have not been issued a U.S. social security number. 
XXXX simply stated " Re : Unable to locate credit report ''
Product: Debt collection

Hello Portfolio Recovery Associates , LLC. I am contacting you about an alleged debt ending in XXXX you are attempting to collect. You contacted me via email to identify alleged debt. Cease and Desist all contact via email and phone from here on out. 

Please supply the information below via CFPB attachment so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

As well as the contract/agreement with signatures of ALL parties involved ( The creditor, Portfolio Recovery Associates , LLC, and alleged debt owner ). 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement created my requirement to pay? 

If you are asking that I pay a debt that somebody else is or was to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt : including : A copy of the last billing statement sent to me by the origional creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Checking or savings account

I have been waiting for my {$830.00} from Chase since XX/XX/year>! 

They approved my XXXX transaction dispute and have told me XXXX times theyve sent me a check but each time, the check hasnt came! Now its almost XXXX AND STILL NOTHING. Everyone Ive spoken to has been a foreigner based in XXXX or the XXXX and its very upsetting to not be able to talk to an American person about my American money. I believe that these foreign people are making things up to get me off the phone and its impossible to reach someone in America. I just want my money. This is sickening
Product: Checking or savings account

I have filed a complaint with Chase Bank just for them to deny my claim, I have sent them the right documents, and they have continued to lie to me and not rectify the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to do a loan assumption through US Bank since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because US Bank had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get US Bank to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back.
Product: Debt collection

The collector was using abusive language. My roommate who is also involved in the debt. said that he cussed at him. While my roommate was in the hospital just after having twins he called him. And he told him he didn't want to talk to him right now due to being in the hospital he said " I don't care, you need to deal with this right now.
Product: Debt collection

I never received any kind of notice from the original company, XXXX, that i owed a whopping XXXX until i tried to refinance and was notified i owed this amount and it was damaging my credit, i paid this amount on XX/XX/XXXX, i also sent Waypoint collections a letter at XXXX asking to receive a letter stating i paid in full and currently have a XXXX   balance to send to my mortgage broker who is refinancing my home, needless to say they never sent me any letter to date. I Called today and was told they will request a letter again from a 3rd party and it will take 2-3 days yet again. I asked to speak to a manager and was told " XXXX XXXX '' was the manager who requested the letter today. XX/XX/2020 will get back to me within 24-72 hrs. Since my original email asking them what they told me to send was on XX/XX/XXXX, i should have received this letter 3 days later on the XXXX. We are currently at XX/XX/XXXX. Don't know why they are allowed to treat people this way.
Product: Mortgage

Green Tree {$12.00} service fee, force placed insurance on my condo for {$5000.00} per year, I bought a new policy and they wo n't lower my payment nor give me a payout or any paperwork. My mortgage went up from {$600.00} per month to {$900.00} I owe XXXX and my appraisal is at {$20000.00}
Product: Mortgage

I purchased my home in XXXX of XXXX. NewRez took over my loan from my original mortgage company in early XXXX. Loan # XXXX. My property taxes are approx {$13000.00} per year. In XXXX of XXXX New Rez raised my payment amount from {$2400.00} to over {$3600.00} per month. After multiple calls and inquiries they explained that my taxes were increased by this amount. I spoke with my township and they assured me that they did not increase. NewRez is misreading my bill. They saw an adjusted bill for the portion of XXXX when I lived there and added it to my total bill. I pay my bills electronically and set up all payments well in advance. My payments were short before I noticed this in XXXX of this year. NewRez has refused to contact my township and will not refund penalties and late charges. In addition, I have asked them in writing to cease all escrows and allow me to pay my taxes separately. They so far have refused to do so. In addition to the unfair charges ( {$250.00} ) this has negatively affected my credit rating. 
XXXX XXXX
Product: Debt collection

I am a third party. I received 3 calls from Carmart in XXXX. I do not have an account with Carmart, no one living in my home has an account with Carmart, no one in my home has given Carmart permission to contact them. The 1st call on XX/XX/XXXX they left a message and asked that I have my daughter XXXX call them that it was URGENT. XXXX does not live with me, we are estranged. I did call her. It was very awkward. She apologized and said she was behind on her car payment that she would call them. The second call from Carmart, also on XX/XX/XXXX Carmart didn't leave a message. Todays call, XX/XX/XXXX, I told them I had already asked my daughter to call them back and then I asked them to stop calling me. They said they would not, they said they would call me three times a day until I had my daughter call them back. I have given them all the contact information I have for XXXX. This feels like harassment, so I told them I would report them. They said go ahead.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> From : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Jefferson Capital Systems , LLC [ Insert Address from Credit Report/Correspondence ] Subject : Dispute of Account Information Under the Fair Credit Reporting Act ( FCRA ) Dear Jefferson Capital Systems XXXX This letter serves as a formal dispute of inaccurate and unverifiable information reported by your company on my credit profile, specifically regarding account [ Insert Account Number ]. My credit was affected by the XXXX data breach, and I have reason to believe this account is fraudulent, inaccurate, or unverifiable. I am prepared to consider legal action should this matter not be resolved promptly. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to : Provide complete validation of this account, including a signed agreement with my original creditor that proves my obligation. 
Ensure the accuracy and legitimacy of the information reported to all credit bureaus. 
If you can not verify this account within 30 days of receipt of this letter, you are required to remove it from my credit report per FCRA guidelines. Failure to comply may result in legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing litigation. 

This dispute includes : Copies of my identification and proof of address for verification purposes. 
A detailed statement of the inaccuracy and why the account is disputed. 
I expect written confirmation that this account has been removed or verified, along with an updated copy of my credit report, within the legally required timeframe. Should you fail to act, I reserve the right to pursue all available remedies under the law. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

They have charged me 3 times for one transaction at ATM multiple times, they charged me XXXX in international charged for a company based out of new hampshire. I paid off a loan that took out a payment I did not authorize the amount or transaction.i was at a XXXX balance and they paid it anyway causing over draft fees and are threatening me to cover the charge or they will add more fees and take legal action. I tried disputing a few items on my account that wasn't authorized and they said not there problem.
Product: Credit reporting or other personal consumer reports

Last year after paying government taxes, we struggled to make a payment on our loan. We attempted to do a loan modification with XXXX XXXX at which time they started the process and no payments were required to be made. They claimed to have approved my request but I never received paperwork and it was taking an extremely long time at which point I decided to make my full amount owed and bring the account current. They are now stating I missed two payments in XXXX and XXXX ( all during the modification process ) and this is hurting my credit and our attempt to take out home equity. If you look at XXXX  month trending data on my loan, you will see that my payments are always made and never more late than XXXX  days except for that loan modification timeframe which payment wasnt even required. I am requesting for it to be removed ASAP so that we can move forward properly on getting our home equity. 

Also they claimed to have placed me on a forebearance which that was never something I requested.
Product: Credit card

Examine the enclosed documents. I urge the bureau to initiate an investigation into the accounts incorrectly reporting me as late, despite my punctual payments.
Product: Credit card or prepaid card

I recently within the past year came across some financial issues where I wasnt able to pay the majority of my bills. My credit card account with Avant was in perfect standing prior to my financial hardship, but once things got too bad for methe account became past due and was eventually charged off. Ive tried on multiple occasions to have this account updated, multiple disputes and they will not budge. Theyve charged an outrageous amount of fees when I stopped using the card long time ago. I am in the process of trying my best to pay back most of the things I owe and I can not afford to pay {$800.00} of a credit that originally had a {$500.00} limit!
Product: Debt collection

To Whom It May Concern, Refernce numbers XXXX, XXXX, XXXX I am filing a formal complaint against LVNV Funding LLC for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, LVNV Funding LLC continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, LVNV Funding LLC is not complying with these legal obligations. 
Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : 1. Immediate deletion of the unvalidated debt from all credit reporting agencies.

2. Statutory damages in the amount of {$5000.00} for LVNV Funding LLC s failure to comply with federal law and their neglect in handling this matter.

Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA.

I expect LVNV Funding LLC to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account LENDMARK FINANCIAL S which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that LENDMARK FINANCIAL S was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

I opened my TD bank Premier checking account at TD bank branch in XXXX, MA on XX/XX/2019. The manager who helped me open the account told me I can get XXXX dollars bonus if I keep my balance over XXXX for three months. I did what they required but I did not receive it till now. I visited the branch but they what they can do is to send email to their department which is taking charge of the bonus. But I did not hear back from them since then.
Product: Debt collection

We signed up for new internet services and a phone line was added that was never activated. Charges of {$14.00} per month for year on a credit card. I called several times, and visited an on site store and was told that they could do nothing and I had to contact the customer service number. Did this several times and did not receive a response, so I canceled the credit card that was being charged. XXXX took approximately {$140.00} from my account and has not returned despite written correspondence from me. I have none received a collection notice of {$28.00} from the CBE Group , Inc. in XXXX, IA. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Re : This Letter is Sent to Remove Inaccurate Credit Information from My Credit Report To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately please :
Product: Consumer Loan

Had my auto loan refinanced, the refinance company paid off the loan, and the original creditor reported my account has 30 days late to XXXX major reporting agencies, which my my XXXX score drop by XXXX points, after the loan was paid the original creditor called and said I owe {$76.00} to close the account I paid the amount and considered it closed, but the still reported it as late.