23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Upon finding in XX/XX/XXXX that I was delinquent on monthly payments due to the increase in Escrow from the previous XX/XX/XXXX, I immediately coordinated with Nationstar Mortgage/dba Mr. Cooper to determine exactly how much was needed to become in " good standing ''. I immediately paid this amount in the first week of XX/XX/XXXX. I continued to follow up with Nationstar Mortgage/dba Mr. Cooper to see when they would change my status from " delinquent '' to now " good standing ''. I was told that they only make changes at the end of the month. However, you could plead with their " researchincoming '' department to see if they would do it sooner. " ResearchIncoming '' is nothing more than an automated response so no action was taking place. I made sure to continue calling and sending messages to Nationstar Mortgage/dba Mr. Cooper pleading with them to ensure they made the necessary changes from " Delinquent '' to now be " Good Standing ''. 

The end of the month ( XX/XX/XXXX ) came and went and now I'm in the middle of XXXX and we just pulled my credit again only to see that my account status has not changed. This is truly affecting my status and ability to sell my house and pay off my bills. I am a single parent and it is imperative that I get this resolved as soon as possible. I am trying to do the right thing but Nationstar Mortgage/dba Mr. Cooper is too big to care about their own constituents/members.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is not having the proper investigation as by law they should. they have not provided me any proof of the investigation they said they made regarding to inaccurate information been report in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting XXXX, Equifax, & XXXX  twice within the past year advising them I was a victim of fraud and the information reporting to my credit was inaccurate. I sent them a list of the accounts in question and did not get a probable response.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint regarding inaccurate delinquency reporting on my credit file related to my student loans. XXXX incorrectly reported my loans as delinquent in XX/XX/year> to all three major credit bureausXXXX XXXXXXXX, and TransUnion. This reporting is inaccurate for the following reasons : -My loans were in forbearance, meaning no payments were due at the time. 
-The loan balance was transferred from XXXX XXXX XXXX ( a federal student loan agency ) in XX/XX/year>, meaning XXXX XXXX longer serviced or owned the loan at the time of the reported delinquency. 
-I have no recordelectronic or papershowing that any payment was due for the reported period. 
-There is no documentation indicating that I was required to make payments on the dates associated with the delinquency.

Since this erroneous reporting has negatively impacted my credit score, I request CFPBs assistance in investigating this matter and ensuring that these inaccuracies are removed from my credit report. I ask that CFPB hold XXXX and the credit bureaus accountable for reporting only verifiable and accurate information per the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this issue. Please keep me informed of any actions taken regarding my complaint. 
Thank you.
Product: Vehicle loan or lease

My name is XXXX XXXX and I have a USAA auto loan ending in XXXX. I contacted USAA in XX/XX/2020 to request a Covid-19 related extension USAA gave a 30 day extension. At the time of my request the stay at home orders had only been for 2 weeks and since then have been extended well into in the middle of XXXX. I have been deeply impacted by Covid-19. Last week ( Week of XX/XX/2020 ) I contacted USAA to ask for a second extension and to my disappointment I spoke with 3 representatives each of which at random times cold transferred me to a new Represenative each of which had limited to no helpful information or authority in which to assist me. My autoload is due XX/XX/2020 and work is at a complete standstill in fact I am now unemployed and have not even gotten any benefits or stimulus payments. I am requesting that USAA differ payments on this loan by 60 days. Furthermore, I am very disappointed in the mishandling of this entire matter based on last weeks phone call to USAA. Please communicate with me in writing only, do not call me, do not record me if you do call me.
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 XXXXXXXX15 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of XXXX XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was XXXX. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency XXXX XXXX group or XXXX XXXX & collections services. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to both Experian and XXXX  to dispute items on my credit report. Letter 1 also included a letter to XXXX  after which the items in question were removed. The dates of letters were as follows : Letter 1 : XX/XX/XXXX Letter 2 : XX/XX/XXXX Letter 3 : XX/XX/XXXX Letter 4 : XX/XX/XXXX Letter 5 : XX/XX/XXXX Experian has yet to respond to any of my requests, including Letter 5 which I sent certified mail and received a signed return receipt on XX/XX/XXXX. I have seen some items removed indicating some sort of response, but never any investigation results or copies of my credit reports sent to me directly. The items that remain have yet to be properly verified. This is clearly a violation of my rights according to the FCRA and I am demanding these items be removed immediately. 

XXXX XXXX only response was that I supplied insufficient ID. I then supplied my ID, social security card, and proof of address that are all accurate and up to date. I have yet to receive notice that an investigation was started or see any results of an investigation. This is also a clear violation of my rights per the FCRA and I am demanding these items be removed immediately as well. 

XXXX  removed all the items after letter 1 due to not being able to verify their accuracy. I find it hard to believe that the same data furnisher could not verify the items with one credit bureau but could with the other two.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Transunion for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

Trans Union and XXXX are reporting an account with TXU that does not belong to me. I never have had nor do I currently have an account with TXU. Credit bureaus account numbers are XXXX and XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the " Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Checking or savings account

I was told funds would be available in XXXX hours. Next day I was told there was a hold. called back later that day and was told the back office put a hold on my money for 10 days until XXXX XXXX this is a business account and i have had it for over 5 years I have a state government checks that get deposited into this account twice a week along with a direct deposit of XXXX a month I can not conduct business and need access to my funds. I'm paying down a hard money loan of XXXX percent and they are costing me. with the mis information i could of took the cashier 's check back and just waited for cash to deposit. The inconsistent information and handling of my accounts are disturbing i constantly have to watch my accounts cause they sneek in a XXXX and XXXX dollar charge whenever they want. then they told me they charged me XXXX cause i put cash in my account. Where did I sign saying i agree to the fee. This is a business account i have a cash business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 
My credit report from Experian, XXXX, and XXXX  all reported 9 delinquent charges from the same collection company : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX The flag/delinquencies are FALSE. I took care of these bills directly with the hospital XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was after I filed for finanical assistance and received 100 % discount from the hospital as noted in the attached letter to this file. I submitted this letter to XXXX the collection agency, who informed me the charges would be closed. Yet I come to find out today, as of XX/XX/XXXX this collection agency STILL reported 9 hits agaist my credit score for the same account, deducting my credit score by 120 points. ( Went from XXXX to XXXX credit score in less than 30 days ). 

This is DIRECTLY EFFECTING my ability to purchase a home that I am currently under contract for and my ability to get the loan my mortgage lender has submitted for me. I can not have this false reporting negatively impact my future. Please help.
Product: Debt collection

Past week and times XX/XX/18 Sunday XXXX XXXX 2 at XXXX XXXX XXXX XXXX XX/XX/18 Saturday XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/18 Friday XXXX XXXX XXXX XXXX XXXX XXXX When you answer no one talks for about a minuet. And this is really un acceptable to be calling on a Sunday all day.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX violated my rights. Account opened XX/XX/2020, {$21000.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Product: Checking or savings account

I was paid Wednesday XXXX bucks and used XXXX and went today and it was only XXXX in my account. They saying there was a technical problem on their end for whole month of XXXX. Said it barley got fixed. I was charged every time I paid for the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for credit was declined based on inaccurate information, and inaccurate credit score. I am requesting to have the opportunity to open up credit based on accurate information. Making decisions based on inaccurate or incorrect information is discriminatory in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved.I have been patiently waiting on their response to the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent in XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I'm trying to change my direct deposit with the SSA .... in order for me to do XXXX need my current account info on file plus the new info. Cash app which is owned by block Inc is refusing to give me my XXXX info XXXX can do so. And it isn't right what they are doing the account the is closed so why can't they give me that info ....
Product: Mortgage

In XXXX I started the process of a HELOC application with BBVA Compass Bank after recently moving. From the beginning of the application process I provided everything to them and all within a timely manner. The application was mishandled by the banker who took my information and did not gather all the correct information. He strictly took the details available to him and generated the application. Upon complaints of processing taking so long I was finally told that he had done this wrong and my account was the handed to a new relationship person based out of XXXX. She was friendly but continued to ask for duplicate information and I thought we had everything resolved. Finally I got an email that said that additional information provided was not sufficient and that I needed something further. Upon providing this to them earlier this week I am now being told that my application has been declined for insufficient information - even without this review. It is astounding to me that a bank would treat someone like this. I have referred several friends to BBVA based on having an earlier account with them but now am faced with the choice of restarting the application. I will re-start the process but it will now be with another institution as they have lost all my trust.
Product: Checking or savings account

I had fraudulent activities on my account at chase, they transferred a few large amounts on of my account into another account and to different people from my login. I reached out as soon as I noticed the issue, and created a claim as well as a police report/identity theft report. They denied the claim and took almost XXXX out of my account, due to said person using my account to make the transfer. They didn't give me a reason for denying my claim until I called. I called to explain further and try to reopen or create a new claim and the representative refused
Product: Credit reporting or other personal consumer reports

MISSOURI HIGHER EDUCATION, Equifax and XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX 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

I paid my loan in XXXX and the amount of {$620.00}. They tried to take the funds from a different account that account bounced because the money wasnt in that account. The {$620.00} was processed on XXXX XXXX. They are marking my account as two months behind due to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX my loan is normally due on the XXXX and I have not paid my loan yet and well on this coming Friday, which is the XXXX when I called the woman said they will report whatever the XXXX they want For any length of time they choose basically letting me know even if it was XXXX minutes late they will report in which I know all car loans have a grace period of a few days. I have never had this issue other than Im trying to recently the past few months take funds from another account. Was it on my profile since I have two car loan I feel like their company is being very fraudulent and needs to be held accountable for their actions. I recently just got denied an apartment because my credit score just dropped over XXXX points. I was a XXXX and now just went to a XXXX
Product: Debt collection

CapitalOne continues to report inaccurate information on my credit report with XXXX, XXXX and XXXX without sending in proper documentation as proof that the account is in fact my debt ( NOT A BILL STATEMENT ). This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself. AWA COLLECTIONS is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section XXXX. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AWA COLLECTIONS XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi I am having trouble with Wells Fargo. First they denied me help when the US Gov was helping people with underwater homes Wells Fargo NO you do not qualify all this started in XXXX and through all these years I used all my 401 K to keep our home and XXXX XXXX XXXX had programs for underwater homes and XXXX they had the XXXX XXXX that was going on XXXX XXXX said yes and Well Fargo said no I been denied help several time and when they helped me they always sunk me further in DEBT they always added more to the loan that put me in more trouble. The latest is I was in a mod program made my payments and done what they said and I never got the paperwork to sign and then they sent me letters to have a short sale or foreclosure my choice. My choice was to stay in our home and not be homeless so I ask what was going on they said it was my Income which in XXXX I made more than I ever had made in my life. I ask the lady and she said my income was XXXX month for me and wife I told her that was wrong. I told her the paperwork on the mod was sent top me and a 3 days later they ask about paperwork and a week later they said they got it which I never sent anything in. I thing they XXXX anyone they can and that is why they have hundreds of Lawsuits. Thanks XXXX
Product: Payday loan, title loan, or personal loan

I received a loan check for XXXX in the mail. It came with a letter and promissory note. The letter said this is a real check that you can endorse and deposit with no application, no phone calls, no waiting. I signed and deposited on the XXXX of XXXX in MY bank. The promissory note claimed I had three BUSINESS days AFTER the check cleared the lenders bank to pay the loan without having to pay an acquisition fee or interest. I was called by the lender on friday the XXXX asking for personal references. I was upset with this and called them back to pay the loan off and not go through with it on monday morning the XXXX. They did not honor the note which said I had within three business days after it cleared their bank I could pay without fees. I was charged XXXX to get out of loan.