23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage payment on XX/XX/2022 was paid but then immediately reversed by the company Mr. Cooper. There was no communication sent to us regarding the reversal, in fact we only received email verification that our payment was posted. The next communication we received was on XX/XX/XXXX that our mortgage was in default but it was a message in their portal that we receive for every statement so assumed it was that. 

We paid it on XX/XX/XXXX thinking it was simply our XXXX payment. In XXXX, we realized that we were, in fact, behind a month on our mortgage. However, even so, our XXXX and XXXX payments were still made within 30 days, but we did pay late fees. 

We are currently trying to refinance our mortgage and in the final steps of the process were informed that a late payment was going to be on our credit report. I saw the payment and reversal on Mr. Cooper 's site with the payment activity. I called Customer Service and they informed me that in XXXX of 2022 they had a crash of their payment system and many customers had similar issues and some payments were reversed and the reason given was insufficient funds- which was inaccurate. 

I filed a formal request for the company to rectify this issue and have it removed from our credit report. But, the customer service department told me they were unable to submit anything to me in writing regarding their mistake and the research department that has the formal ticket has not responded to multiple emails from me. 

We are supposed to close on our refinance tomorrow and now have to wait for Mr. Cooper to confirm, in writing, that they made the mistake and will rectify it. Or, have our credited re-pulled, with the late payment on it, and likely have a higher interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concerns : Ref : Account # XXXX have a major concern because I paid off my acct on XX/XX/2019 I then called to close my account on XX/XX/2019. Barclays rep then told me that my account was at a zero balance and closed. as of XX/XX/2019 i never received anymore statements until the day i called on XX/XX/19 LATER the credit agencies alerted me that i was past due 60 days. i then called and i was told that an investigation would be formed in order to see if Barclay rep mislead me, i was glad that someone was going to look into this huge mistake in order to fix my credit bureau that has taken XXXX decades to perfect. I called again to make sure that this investigation would indeed occur then received a call from Supervisor ( # LASEM ) she had me on the phone for over an hour informing me that no investigation would occur and that i had to right this letter. ( # LASEM ) offered no help with my situation appears that this was done in spite of me paying my account. i have been a great customer to barclays and i sincerely beleive that this is a violation of .The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Debt collection

Hello, i have XXXX collection agencies that are currently attempting to collect a delinquent debt amount which i do not agree with, furthermore these collection agencies have yet to disclose information that I requested such as proof of being a collection agency that can operate in California and proof of the contract of the actual debt, accounts recievable that shows the actual amount of debt to be collected and what attributes to these amounts. I do not agree with the amounts, for I think they are innacurrate and these collection agencies have yet to provide proof. 

XXXX Collection agency name : AFNI. 
Collecting {$160.00} on behalf of XXXX for a service or product I never recieved. I do not live at that location, address and do not recall ordering that service or recieving that service. For this reason I want proof, document stating where the debt originates from, the actual line items on a bill, etc. 

XXXX COLLECTION AGENCY NAME.XXXX FL | XXXX XXXX Claiming that I owe {$400.00} for a early termination with XXXX, yet WHEN i called they can only see that {$200.00} was the fee applied for early termination, and they are not certain of where the other {$200.00} in debt came from. This is wrong, and I need once again proof that this debt is accurate by reviewing a document that they recieved from XXXX stating that my delinquent amount will be now collected by XXXX. 

Please do investigate these XXXX companies to see if they have the license to operate as a collection agency in california, and to make them provide proof of my debts and what attributes to the overall debt needing to be paid off. 

Thanks, XXXX
Product: Mortgage

I had an existing mortgage with XXXX. In about XXXX, XXXX, at about the same time, I initiated a refinance AND XXXX advised that they were transferring my mortgage to Mr Cooper. 
Due to the timing of these events, I never made a payment to Mr. Cooper. My last payment to XXXX was XX/XX/XXXX and my first payment to my new mortgage company ( XXXX ) was XX/XX/XXXX. This is as usual, having a month ( XXXX ) with no payment during a refi. 
Closing on the refi was XX/XX/XXXX. 
I never received a bill or statement from Mr Cooper. 
I called Mr Cooper on/about XX/XX/XXXX because I was concerned that they did not show my mortgage as having been paid off, which should have happened by then. I asked if I needed to send a payment and the Mr Cooper rep told me that was not necessary because I was protected under RESPA ( this first time I had ever heard of RESPA ). He added that payoffs were taking a long time because of the volume of refis that were happening at the time. 
Eventually, Mr Cooper was paid off and I started making payments to the new mortgage on XX/XX/XXXX. At this point, I thought everything was fine. 
I then began noticing my credit score had dropped. I presumed, for a while, that this was because of the mortgage finance activity ( my understanding is that getting a new mortgage drops the XXXX score ). Then, I applied for a loan from XXXX, who I had done business with before. They declined my application for a loan ( XX/XX/XXXX ) because my credit report showed a late mortgage payment. This was when I was first aware of that something was wrong. I checked my credit report and found the late payment notice posted by Mr Cooper. 
I filed an inquiry with Mr Cooper, providing them the necessary information. I got a notice back from them saying they would need more than 30 days to reply. I never got another notice from them. 
I called Mr Cooper on/about XX/XX/XXXX to check on the status of my inquiry. I was advised on the phone that they had made the determination ( and supposedly notified me by mail, but I never got it ) that the reporting of a late payment was accurate and they would not change their report. 
Bottom line : I never got a statement/bill/accounting notice from Mr Cooper. Mr Cooper became my mortgage company, involuntarily, because my loan was sold to them by XXXX. I never made a payment, nor was I expected to ever make a payment to Mr Cooper. The Mr Cooper mortgage was paid in full, on time, under the terms of RESPA. Mr Cooper violated RESPA by reporting a late payment.
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX has reported a charged off account on my consumer report that I did not give written or authorized permission for them to report. This is illegal under 15 USC 1681 b as written consent is required to post any and all transactions to my consumer report. I'm requesting this account be removed immediately as I do not consent to the reporting of this account and continuing to do so will be construed as fraud under 12 CFR 1022.3 as this is improper use of my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Courtesy removal from credit bureaus account XXXX XXXX XXXX XXXX, I am asking for a courtesy removal of the account : XXXX The purpose of this account with you, that I paid in full, was to increase my credit profile and score and its having the opposite effect its hurting it. 

For that reason I am asking you to completely remove it from existence in all my credit bureaus its located on. 

Attached to this complaint is : - drivers license - social security card - address - written complaint Please have this removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed XXXX XXXX XXXX to pull my credit report. This company accessed my personal information without my consent. It is too easy for anyone to access someone's personal information, and this can be dangerous. I have not had any dealings with this company since XXXX. No payments, no arrangements, no conversations. I called on XX/XX/XXXX when I received an alert that XXXX XXXX had pulled my report. I tried to contact Experian, but could not get anyone. I did not give this company permission to pull my credit. I had to shut down my bank account, change my phone number and change employers because of the harassment I received from this company in XXXX. Too many people have too much access or liberties when it comes to consumer private information. This is not fair that I have to fight to get this information removed. It took them seconds to get my information, it will take me months to get the information removed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

I made a full principal and interest payment on time but did not make any escrow additions since I already just paid XXXX out of pocket for a years insurance partially because they mishandled my escrow account. These are the people that hung up on me while violating my constitutional rights therefore not getting my account straightened out when I tried to speak with them. I tried to call them today and think I got the man that hung up on me before. He is a condescending pompous incompetent and threatened to hang up again saying I called him stupid, which I did not.They recorded the call and so did I. I sent them a couple XXXX for escrow so they have no reason to report to the bureau, that is on top of the XXXX I sent on XXXX. Please give me some assistance in dealing with these peopleASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Disputed debt and asked for verification. Verification was never recieved yet they added this false debt to my credit report.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX will not correct the late payment reporting for XX/XX/XXXX and XX/XX/XXXX. Due to a checking account error with XXXX 's financial app, the monthly payment, to XXXX, was not received by the monthly due date. I contacted XXXX to make a one-time payment and requested that no late payments be reported. XXXX stated that the account was in " good status ''. The same problem occurred in XX/XX/XXXX. I contacted XXXX to make a one-time payment and to resolve technical issues with their financial app. 

Prior to XXXX and XXXX XXXX, 100 % of payments were paid on-time. XXXX stated that's best to make payments thru their web portal. From XX/XX/XXXX to JXXXX XXXX, 100 % of payments were paid on-time and the car loan was paid off. The technical issues with XXXX 's financial app had created a situation that was quickly resolved by the customer. 

I'm requesting at the 30 day delinquency be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

This is really stressing me out, it's been countless times that I have communicated this complaint/issue that I'm having problems with - the errors being reported on my credit but my requests have been consistently ignored. You are reporting errors and inaccurate information on my credit and have been disregarding my complaints which is a clear violation of my rights as a consumer. This has affected me in ways you can not begin to imagine, please make this right.
Product: Debt collection

I am unaware of this debt. I was not afforded the opportunity to dispute or access the alleged debt prior to the account being reported to my credit file. If in fact, you believe that you gave me proper notification, then please send me a copy of the certified return receipt that bears my name and signature to assure proper notification. If you can not provide me the document, I am demanding immediate deletion of this account from my credit file.You are in violation of 12 CFR 1006.34 ( A ) ( 1 ) ( I ) ( B ). 
Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and i haven't got a response within 30 days and yall are requires by law to do so. Please investigate my disputes Thank you.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failures to conduct proper investigations into consumer disputes, even facing legal action for violating the Fair Credit Reporting Act ( FCRA ). This track record of non-compliance is unacceptable, and I will not allow my credit profile to be affected due to negligence or misconduct. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is required to conduct a thorough reinvestigation of any disputed information within 30 days. Any data that can not be verified as 100 % accurate must be deleted from my report immediately. I am demanding that these errors be addressed without delay, as their presence is directly harming my financial standing. Non-compliance will not be overlooked.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt that I never had, has shown up in my credit report. A Capital One credit card ; showing over {$3000.00} worth of debt. I have Never had a Capital One Credit Card. They said this is from 2008 yet has just now showed up!!!! I want this off my credit report, now!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full on the account with Barclays Bank for the {$290.00} dollars on XX/XX/2018. In the front of the check shows paid in full as agreed when they accepted the terms and conditions when they cashed this check. Also the Barclays rep that made the deal told me that this account will show paid in full and the account will be deleted from my credit report. And that is not the case so I'm now compelled to file a complaint with your company to force Barclays Bank to remove this negative information off of my XXXX  credit report and XXXX  credit reporting agency.  And the name that Barclays is reporting of XXXX XXXX XXXX is not my name and is inaccurate information about me. My name is XXXX XXXX XXXX XXXX  is my name.
Product: Debt collection

The credit collections agency in question only contacted me once by phone and once by mail well over a year ago, and suddenly, I have a negative credit flag on my credit score. While I 'm sure that I passed a time deadline to make payments on this account to prevent this from happening, the lack of communication from the collector is not only surprising, as I 'm used to being called monthly when I forget to pay a bill, but also irresponsible, as negative flags like this can remain on an account for XXXX years. I recently graduated college and would like to do things such as consolidate my student loans, possibly finance a newer car in the next few years, and get a mortgage to buy a house, but this XXXX item is going to seriously hinder my ability to do any of that. Had R R Resource Recovery contacted me before this account went into the flag zone, I would have begun making payments immediately as I received a substantial promotion and raise with my current job.
Product: Credit reporting or other personal consumer reports

Experian and XXXX have failed to respect my personal information, violating multiple laws by placing incorrect and improperly used data on my credit report. This negligence breaches the Fair Credit Reporting Act ( FCRA ), which mandates accuracy in consumer credit information, and the Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to protect consumer data. Their actions have caused harm by misrepresenting my financial history, leading to potential denials of credit and financial opportunities. Additionally, I completely paid off an account that was not mineroughly {$1300.00} around XX/XX/XXXX, XXXX to resolve the issue. However, they have yet to honor the agreement and correct my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i submitted a dispute with Equifax for an account that has incomplete information on my report. On XX/XX/XXXX Equifax completed the dispute investigation and determined that the account was valid and showing correct information, however this account is still showing incomplete info. 

XXXX XXXX XXXX XXXX - This account is inaccurate and incomplete, please see attached docs, please see Inaccuracies below. 

This account has a " Last Payment Made '' date of XX/XX/XXXX but the payment history is incomplete, how can you have a last payment made date but don't have any payment history. This account is incomplete please remove. 

This account Payment History is incomplete According to the Fair Credit Reporting Act ( FCRA ) in Section 606 Disclosure of investigation ( 1681d ) Section 607 Compliance Procedures ( 1681e ), Section 609 Disclosure to Consumer ( 1681g ), Section 611 Procedures in case of dispute accuracy ( 1681i ), and Section 623 Responsibilities of Furnisher of information to consumer ( 1681s-3 ).
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 XXXXXXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

I have a balance on my American Express Card of {$540.00}. I paid them on XXXX {$400.00} and XXXX {$450.00} and I owe them XXXX they called me the other morning at XXXX in the XXXX. I am XXXXyears old, lost my job and am sick. They have been harassing me. They call me two to three times a dayand yesterday besides calling they sent two e-mails a day, I told them when I get my social security check on Wednesday.I will make a payment. Tonight when I called I asked to speak to a customer service rep they would n't let me and kept asking do you want to make a payment and I kept saying no and they finally let me into a rep from XXXX who could not answer my questions I have never been treated like this they also charged {$78.00} interest which the rep could n't find. I find the number calls galling wen I told them my situation an I think it should be stopped .I ALSO HAVE MADE NO PURCHASES since I lost my job on XXXX XXXX,2017
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 be investigated and corrected for 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
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized reporting to my credit report. These remarks have been detrimental to my life and credit
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account 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.