23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home loan was recently transferred/sold from XXXXXXXX XXXX to a " Mr. Cooper Mortgage '' company. During this process XXXX XXXX said that my mortgage was transferred/sold and they could not help me any longer, and that I would have to call Mr. Cooper Mortgage . I no longer had access to my previous online account, and they would not help me over the phone. 
In the meantime, I kept calling Mr. Cooper Mortgage and asking for help to find out about my escrow account being short, making my house payment rise drastically. Mr. Cooper Mortgage kept telling me that they did not have any of the information, even though their own phone recording says that all information had been set up in their system. In all of my phone calls to Mr. Cooper Mortgage, they told me they had all of my information... everything EXCEPT my escrow information, which is what I needed the most. 
In the short time period I have been with Mr. Cooper Mortgage, they are by far the most difficult company I have ever had to deal with when it comes to talking with an actual person! It is extremely hard to get through for information. 
Since Mr. Cooper Mortgage would not help me during this transition, my house payment has risen drastically. I should have been given the opportunity to pay on my escrow shortage and lower my payment back down. I did send them a payment online once I saw it posted, but they are now telling me that it will not lower my payment. This should be illegal.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address DOB : XX/XX/year> Last 4 of SSN:XXXX Date:XXXX Bureau Name : XXXX XXXXXXXX Equifax XXXX XXXX Bureau Address : Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit, please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

IN REGARDS TO : ALLY FINANCIAL P.O. BOX XXXX XXXX MN XXXX. I REQUESTED DEBT VERIFICATION BY REASON THAT THE ACCOUNT IS REPORTING INACCURATELY BEING FIRST REPORTED ON XXXX XXXX. HOW IS THAT POSSIBLE WHEN THE ACCOUNT DATE OPENED DISPLAYS XXXX XXXX? ON TOP OF THAT I HAD NEVER BEEN LATE WHICH IT SHOWS SEVERAL LATE PAYMENTS. I ASKED ALLY TO PROVIDE INFROMATION REGARDING MY ACCOUNT UPON REQUEST. IT WENT UPON DEAF EARS. I GOTTEN NO RESPONSE. ALLY FINANCIAL AGENT RECEIVED THROUGH CERTIFIED LETTER XXXX XXXX SIGNED BY XXXX XXXX RECEIVED ON XXXX/XXXX/XXXX. TODAY WHILE CHECKING MY E-MAIL I RECEIVED A NOTICE FROM MY CREDIT MONITORING SERVICE. ALLY FINANCIAL REPORTED TO XXXX THAT THE ACCOUNT INFORMATION DISPUTED BY CONSUMER MEETS REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

Account was opened in XXXX XXXX with XXXX XXXX for {$2700.00}, and was paid as promised. The account was sold to Aqua Finance in XXXX XXXX for {$3200.00}, which was the wrong amount. I have called company repeatedly to fix amount and they refuse. They have yet to send me an itemized bill stating the charges. I have n't paid since XXXX XXXX, and it has been in collection since then, but the amount seems to keep going up and I have not borrowed any more money from them. The account now stands at {$5400.00} as of XXXX XXXX, XXXX. I have not been informed of any new bills, they have n't contacted me. This is the wrong amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : The following hard inquiries listed on my XXXX, XXXX and Trans Union Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan originated on XX/XX/XXXX with Capital One Auto. Amount was for XXXX at XXXX percent rate. 
After closely reviewing the billing statements on XXXX. The total interest paid was XXXX. Total principal paid XXXX. At that time I requested Capital One Auto to review the balances and recalculate the correct payoff, if any amount remained. I notified that I would cease payments until rectified. The department did not respond to my letters until XX/XX/XXXX. Instead of acknowledging my formal request, I received a repossession notice. To avoid the threat of repossession I made the requested minimum payment of XXXX on XX/XX/XXXX. I contacted Capital Auto via phone center reiterating the billing issues. 
On XX/XX/XXXX the vehicle was towed at my work location. Capital Auto admitted to claiming the vehicle and demanding a release fee of XXXX. I informed Capital one that by repossessing my vehicle after making the requested payment was a criminal act of theft. 
XX/XX/XXXX i reported the matter to credit bureau After a timely delay I received notice from credit agency in XX/XX/XXXX. Capital Auto agreed to remove the balance of XXXX. 
Currently as of XX/XX/XXXX credit reporting. The account is worded Write off XXXX. XXXX past due. Along with derogatorily late reporting from XXXX of XXXX during the investigation. 
Please review statements for balance errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call XXXX  several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1.XXXX XXXX  XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX  XXXX XX/XX/XXXX 4.XXXX XXXX  XX/XX/XXXX 5.XXXX XXXX  XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX  XXXX XXXX 8.XXXX  XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Date : XX/XX/year> Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Email : XXXX Contact Number : XXXX SSN : XXXX DriveTime XXXX Customer Service Department XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Re : Revocation of Cease and Desist Order Dear Sir/Madam, I am writing to formally withdraw the cease and desist order previously issued under my name, regarding my alleged account associated with XXXX  account number : XXXX or any related matters. 
This decision comes after careful consideration and a satisfactory review of the circumstances surrounding the issues initially cited in my original letter. Today speaking to a representative she revealed a lot of incorrect information regarding to my personal information, for example the email was incorrect, the phone number was wrong, and address on this account. I never receiving a copy of the contract, a deficiency notice or a redemption notice. I do not know if this vehicle was repossessed or totaled. They advised that I could not request any documents unless I write a cease and desist removal letter. I appreciate your cooperation and attentiveness in addressing my concerns. 
Please consider this letter as an official revocation of any restrictions or communication barriers previously requested under the cease and desist order. I authorize you to resume normal processing and communications regarding my alleged account. This is being placed so I can retrieve these documents so I can take the proper actions on gettinng this resolved. I also need the name of the seller for this auto loan. 
Thank you for your attention to this matter. Should you need any further information to confirm this revocation or to discuss the account, please feel free to contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have been receiving numerous phone calls at my place of employment from MCM from a XXXX XXXX after I have advised not to contact me at my place of employment. I have not been provided in any letters about any debt resolutions form this company and I would like written verification and phone calls to cease at my place of employment. He has been calling from XXXX ext. XXXX
Product: Mortgage

We paid off our loan with Ditech in the beginning of XXXX and had a balance in our escrow account which the Mortgage company said would be refunded to us within 30 days. Their system shows that a check was issued on XX/XX/XXXX but we haven't received it. We called a number of times and were told that it takes 30 days to reissue a check but we still have not received our money back. it is now XX/XX/XXXX and we still have not received anything. I did an internet search and it appears that there are a number of other account holders having the exact same problem with Ditech
Product: Debt collection

My winnings were taken at a Ohio casino for alleged money owed to state of Ohio and I have sent proof of residence for year in question which shows I was not living in Ohio at the time please have Ohio XXXX attorney General and reliant capital return my money please
Product: Credit reporting or other personal consumer reports

I recently noticed that TRANS UNION has 2 hard inquiries that did NOT belong to me. I have listed them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is deragatory to my account ( all of my accounts with XXXX and XXXX are in good standing ). I apy y bils on time and have worked very hard to make sure I have a good rating. My Trans Union score has NOT CHANGED in over a year. 

Additionally, they do not report all of my accounts to balance out this issue. What is going on with this agency? This is so defeating. 

Would you please help me fix this issue? I'm at my wits end with this agency. They are completely of no help at all.
Product: Credit reporting

I contacted Synchrony Bank and spoke with XXXX and asked for a credit limit increase for my furniture card. The representative never told me that he would be pulling my credit report ; and when I asked the representative if this would result in a hard pull and he informed that it would not ; yet, I received a credit inquiry on my XXXX account. I contacted the company and they informed that they do not have scripts that requires them to inform customers nor are they required to because it is in their terms and conditions. Had I received the correct information ; I would have NEVER had agreed to this. I have other synchrony accounts that they do not do hard pulls. So, when he confirmed that it would not ; I was okay with the result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these inquires that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct # XXXX Balance = XXXX 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. 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 a 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. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to all three Credit bureaus XXXX XXXX, Experian, and XXXX. 
The accounts came back as verified. These are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX/XXXX/XXXX I applied for a Personal Loan through XXXX XXXX XXXX XXXX. The request was for {$12000.00} to roll all existing debt into one monthly payment over a predetermined term. When applying the Loan Officer stated that my Experian Credit Report showed a FICO of XXXX. I let her know, one XXXX XXXX that this was not the case. The FICO score I was pulling showed in the XXXX 's but that I would pull my Experian CB Report. I paid {$1.00} to have it pull on XXXX/XXXX/XXXX and my Experian CB Reporting showed a FICO of XXXX. This is a 40 pt  swing. I sent images on the pull I made to XXXXXXXXXXXX to substantiate my claim. ( Will attach email and screen shots of FICO from Experian and a copy of the {$1.00} paid on bank statement ) I was approved with a counter offer of {$4500.00} and an interest rate of 13.99 %. As I spoke with the Loan Officer XXXXXXXXXXXX I once again advised her that my CB reporting they pulled from Experian was in accurate and not up to date. Furthermore the reporting they were factoring as my " FICO, '' was in fact a pull that coincided with their own FICO reporting from XXXX that still showed on their Mobil App. ( I will include as an attachment ) The reality is when a company establishes credit worthiness with inaccurate data, this is an unfair and deceptive practice. Knowingly using inaccurate reporting to establish credit worthiness leads to high interest rates for the consumer and higher profits margins for the company. This is also unfair and deceptive practice. When I notified XXXX XXXX XXXX XXXX they did noting and basically said deal with it and passed blame into Experian. This is not an Experian problem. This is a XXXX XXXX XXXX XXXX problem. 

I believe there needs to be an audit completed into XXXX XXXX practices in pulling credit to establish credit worthiness. Additionally XXXX XXXX should be audited for the purpose of establishing how many other consumers have been impacted by inaccurate reporting which is an unfair and deceptive practice. I believe that XXXX XXXX is aware of this systemic abuse of inaccurate reporting being used and uses it to their advantage for profit. 

I felt like I was literally speaking to those that did n't care and had no answers.
Product: Credit reporting or other personal consumer reports

Lexus Nexus Has sent me an approval for suppression of all public records and also for my credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX XXXX Account ( XXXX XXXX ) . Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported.

Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago I called and spoke with Supervisors at Equifax regarding unauthorized inquiries on my credit report. I have contacted the Creditors hundreds of times and have even been advised they dont have anything with my name on it. There are multiple inquiries on my credit report that I do not recognize. I was told to file a complaint with the FTC and also send in a copy of my ID and social security card VIA FAX which I am attaching. Also attaching a copy of the police report. This information along with the attachments were also faxed to XXXX on XXXX. 
Please remove the following inquiries from my report. Didn't give permissible purpose to pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX AND XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Debt collection

I contact the IRS several years ago circa XXXX when I realized that I was a victim of Identity theft and someone file a tax return that I did not over a 2 years spam in XXXX. I took all the necessary steps by contacting the IRS to advise them of the fraud and alerting the credit bureau. I file my taxes on XX/XX/XXXX and received a alert when checking the status of my return. After speaking with IRS representative I was directed to contact CBE. A representative at CBE advise me that my taxes was offset for a return that filed in XXXX. I advise the representative that I file a police report as well as contacted all necessary parties regarding the fact that I was as victim of Identity theft. CBE as a collection agency never sent me an initial demand letter advising me of my right to dispute the debt per the FDCPA and by offsetting my IRS return they are in violation of the FDCPA of collecting on a disputed debt that is not mine.
Product: Debt collection

Disputed through all three credit bureaus several times with no response from CKS Prime.

CKSPRIMEIN Collection with account # XXXX opened on XX/XX/2021 and a balance of {$610.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Under 15 US Code 1681s-2 ( f ) ( II ) Reporting information during Covid 19 pandemic
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts appearing on my credit report tonight, and I cant understand why this happened. When I checked my credit report like I always do, I saw unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts were still there. This issue is deeply concerning, so Im requesting a thorough review of the documents Ive submitted to ensure I dont have to face this kind of worry again.
Product: Debt collection

On or around XXXX of XXXX i received a missed call from a XXXX  number. Being a former XXXX resident I called back and the person on the other line mentioned that she was a debt collector. After verifying my information she said she was trying to collect a debt, I informed her that i am unaware of this debt so please send me documents which can validate the debt. I gave her my new address in XXXX and she said she will mail me the documents. 

As of today XX/XX/2019, I did not receive any Debt validation from this company. Today i received an alert from my credit monitoring service of a collection reported by this agency. When I called them the first representative, XXXX refused to give me any information and after putting me on hold disconnected my call. The second representative Miss XXXX, said that we don't have any validation document but i will have to pay them to delete the information of my credit report. 

After questioning her and mentioning that they have violated the FDCPA by not providing me any validation and negatively reporting on my credit. They have not given me a chance to dispute or resolve this matter and have impacted my credit. She transferred me to a supervisor by the name of Miss XXXX XXXX. 

Miss XXXX was not willing to cooperate and was adamant for me to pay the debt which I am unaware of. She threatened me that her company will continue the collection activity if i don't pay her. She mentioned that regardless even if this debt is not mine, they have not violated the FDCPA. This agency is using predatory practice by not providing any debt validation documents for me to verify the debt. I am unaware of this debt and they comply with my original request of providing the debt validation.
Product: Checking or savings account

At some point in the last month, CapitalOne bank inflicted a change to their online bill payment service from XXXX XXXX XXXX. This resulted in an abyssmal reduction of the usefulness and functionality of the online bill payment service, and neither company is offering support. 

XXXX XXXX  itself as being " fintech '' and " anti paper check '', noting that the very first result for XXXX in XXXX search is " XXXX scams '', and that they have no meaningful social media presence since XXXX and no one answers their phones. 

I set up a single online payment to my cable internet service provider on XX/XX/XXXX for the amount of {$110.00}, which was due XX/XX/XXXX. In the process of setting that up, the cable provider payment address information was prepopulated and I had to provide the account number. The screen informed that it would be processed as an electronic payment and paid within 1 to 2 business days. 

Instead, I learned on XX/XX/XXXX that my bill had not been paid and that they had mailed a paper check, guaranteeing that the payment would be received late. That notification came in an email. There is no indication of this in the online bill payment screen. The screen only says that the payment was made on XX/XX/XXXX, and the money was deducted from my account on XX/XX/XXXX. 

I contacted the bank on XX/XX/XXXX and was forced to go through their standard dispute process, to put a stop payment on the check and now the bank wants me to wait 10 business days to have the money credited back to my account for a basic theft that they enabled from my account. Now I also have to expose my debit card to yet another third party payee due to misleading bill payment information on the part of both Capital One and XXXX, in order to pay this bill on time. AND be denied the use of my funds for 10 business days for having to essentially pay this bill twice. 

I should not be penalized 10 days use of my money without interest or other consideration for 3 hours on the phone trying to resolve this issue and basically being told " too bad XXXX  customer, that is the process '' -- when it is the bank themselves that created the process and enabled this robbery. I do not give CapitalOne or XXXX consent to free use of my social security benefits. 

I was told that I could receive a " good will letter '' sometime next week that the bill was paid on time but processed incorrectly, but this does not solve the problem, and as far as I can see this bank does not have an ounce of good will to give. This was escalated to a formal complaint, but none of the managers I have spoken to at Capital One are willing or able to correct their own error in any way to benefit the customer. I do not feel that as a customer having been intentionally mislead about the banks service and process should be penalized 10 days use of my funds without compensation due to the bank 's own falsified bill payment process and intentional misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent. The balance reported on credit reports is wrong.