23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am yet another customer affected by Mr Cooper 's payment system issue, however it seems that I may be in the minority who have yet to receive the refund. My mortgage loan was transferred from XXXX to Mr. Cooper on XX/XX/XXXX. After loan setup, I made the XX/XX/XXXX Mortgage payment via their website on XX/XX/XXXX. This payment went thru smoothly, however they deducted an extra payment from my on XX/XX/XXXX. I received their notifications regarding the error in payment processing and I thought it would be rectified shortly. My account was actually credited my amount, however they debited the same amount on the same day ( XX/XX/XXXX ) therefore cancelling my refund. I then thought may be the extra payment will be applied towards XXXX mortgage bill, however they deducted another payment on XX/XX/XXXX. I have called them several times and sent several emails and all I have received is canned responses and I have yet to receive a concrete answer when I will be refunded my money. I have started a dispute with my bank, XXXX XXXX, however they are slow to respond as well. Today is XX/XX/XXXX and they are still holding an extra payment and I have no timeline when it'll be refunded. 
Here is a clearer synopsis of the events that transpired : XX/XX/XXXX : I made payment to MrCooper XX/XX/XXXX : Unauthorized payment taken out of my account XX/XX/XXXX : Extra payment refunded to my account, however XX/XX/XXXX : 2nd unauthorized payment taken account again XX/XX/XXXX : Autopay payment for XXXX mortgage taken out. 


Please help in any way that you can.
Product: Debt collection

I saw this debt collection on my credit report and I contacted the debt collection to get a debt a notice of validation. They said they was going to mail me the papers but they didnt. I never received any mails from them its been XXXX months still no mails. I do not claim this debt. I did not sign any contract with this debt collection agency. I DO NOT HAVE A DEBT WITH credence resource management. This a violation to my consumer right law 1006.34 Notice for validation of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was alerted by XXXX XXXX that my score had dropped. When I checked my credit report, I discovered an inquiry from XXXX XXXXXXXX XXXX,  of which I was not aware. Upon contacting XXXX XXXX XXXXXXXX I was told that at approximately XXXX XXXX of the same morning someone applied for a credit card using my information. I was not the one who applied, nor did I authorize anyone else to do so.
Product: Credit reporting or other personal consumer reports

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number
Product: Credit card or prepaid card

First off, this is a continuance from Complaint # XXXX. I have tried over the past month to get my phone number removed from my account and they have stuill not removed my number putting both my credit cards and my bank account in jeopardy. While I was doing this I noticed they still had not processed my payment for last month which completely kicked me out of the program complained about in the original complaint. This happened with the other card and makes me think they are doing this on purpose. This is the second time just on this card and fourth time total with both cards I have had issues with them processing a payment and the 6th time with scheduling a payment. I can not call now due to my phone being stolen and everyone freaking out about the Corona virus. There is live chat but now it is nowhere to be found after I got disconnect for some reason while processing my request for my credit card accounts to be closed. I tried emailing them to the email address that is listed on their website only to get a message saying the email was not delivered. So I am now being forced to call which I can not do.
Product: Checking or savings account

XXXX XXXX XXXXXXXX festival was false advertised from the beginning. Spent almost {$800.00} to be told by Wells Fargo it was past their time period but XXXX XXXXl ended up being cancelled a week before the event. It says get refund through point of purchase, which Ive tried well over 15 times at this point.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete this account ASAP.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to XXXX5 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed bankruptcies listed that I believe are inaccurate. After researching consumer protection laws, I have reason to suspect this may violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c ( a ) ( 4 ) regarding reporting of bankruptcies. 

I am concerned that my personal information may have been disclosed without proper authorization. As I believe I may be a victim of identity theft, I request that you thoroughly investigate these entries and remove any inaccurate or fraudulent information immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I fell behind in payments on my title loan for my car my vehicle was repossessed in XX/XX/2024 I never received paperwork giving me a chance to buy back or pay update date on my payments I received a letter from the dmv that the tags were due in XXXX I called oportun asking them why the car hasnt been tooken out of my name they said they still had my car and it hasnt been sold yet I told them well I understand that but you guys are responsible for the vehicle tags and registration know you are in possession of the vehicle why hasnt the car been taking out of my name he proceeded to ask why wasnt I paying for the tags I told him it was tag when you repossessed the vehicle in XXXX the tags arent due until XXXX they have given me the run around I cant get a straight answer from them as of today I was waiting for call back from the company and still no words they hung up on me they he told me today that I still owe a payment Im like XXXX dollars and something over due I told them how are they going to keep charging me when the repossessed the car I told him I know if the car didnt sell for what I owe them then I would owe them that money Its been a inconvenience in my life Im sick XXXX XXXX XXXX XXXX XXXX XXXX that Im dealing with I already had XXXX XXXX and the stress from this loan has put me over the top
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

The procedure was not for me. Birthdate incorrect, Middle name incorrect, insurance incorrect. It is not my bill.
Product: Checking or savings account

Money was removed from my account without my authorization on XXXX  XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Request for Removal of Fraudulent Information Due to Identity Theft Dear Sir or Madam, I am contacting you to formally dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I request that these inaccuracies be blocked promptly.

Attached is a copy of my Police Report/FTC identity theft report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. 

Legal Basis for My Request Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four ( 4 ) business days.

The following entries on my credit report are associated with this identity theft and must be removed immediately. 

Fraudulent Inquiries to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian I am notifying you that I have been a victim of identity theft. I have reached out to the Federal Trade Commission ( FTC ) and filed a complaint, which is enclosed for your reference. 

My credit report contains fraudulent accounts and inquiries that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency via fax and Certified Mail.

I request that you comply with 15 U.S.C. 1681c-2 and block and remove these unauthorized accounts and inquiries immediately.

If I do not receive a timely response, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and will consider taking legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt response and resolution of this matter. I expect a response within the legally required timeframe. 

Sincerely, XXXX XXXX
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 that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Last week I received bill from collection agency TRANSWORLD SYSTEM INC. for {$67.00}. This is the amount that reminded after payment made by my insurance XXXX XXXX. As per XXXX letter that was sent to the provider 's billing office I am not responsible for any payment. I spoke numerous times with representatives from the provider 's billing office and XXXX representatives. During my last call to XXXX on XXXX/XXXX/15 I brought up my concern to their attention that this could be sent to a collection agency. I was told my case is urgent and will be escalated.
Product: Student loan

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccurate account on my Credit Report and regardless of the multiple written requests, NELNET LNS is still being reported reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Vehicle loan or lease

The company involved ( XXXX XXXX XXXX XXXX, CT ) pressured me into buying a used XXXX XXXX at XXXX miles. They explained that the car was like brand new and had no issues. Unfortunately, the car did not even last 3 1/2 months. I have always taken good care of used cars, but this case was different. They took no responsibility and were rude to me whenever I tried to bring the car for a checkup. They even tried to tell me to get out and to have " a nice day. '' I brought the car to them about 6-7 times in a 9-month time-frame. They never helped me at all even though I offered to pay. The final time I brought it, I brought in my XXXX XXXX XXXX XXXX to fix a broken XXXX and a XXXX XXXX leak. The day after they " fixed '' it, it completely failed and stopped working. They were rude to me and told me it was my fault and kicked me out. I was left with w broken car with {$7100.00} still due to the bank. They refused to help me and sent me away. I spoke to fellow customers who told me similar stories. As soon as you buy the car, they force you to do a survey for a free oil change where they make you sign a 5/5 star review on XXXX. This review should be more like a 1/5. Bad Customer service and very bad XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Capital One has refused to provide a copy of the original contract related to an account that is currently reported on my credit report as a " Collection/Charge-Off. '' Despite my repeated requests under the Fair Credit Reporting Act ( FCRA ) for documentation bearing my signature that verifies the debt, Capital One has not provided the requested documentation. 

In a letter dated XX/XX/scrub> 2024, Capital One stated that they do not have a paper copy to send because the application was taken over the phone or the internet. However, this does not absolve them of the responsibility to provide the necessary documentation as required by law.

The failure to provide this documentation is obstructing my ability to verify the legitimacy of the debt. Moreover, it is causing significant harm to my financial well-being by negatively impacting my credit score, which affects my ability to obtain credit, particularly as I am preparing to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Consumer Loan

Several years ago I leased a car from Chrysler Financial. I defaulted on the loan. Chrysler Financial ceased to be an entity a couple of years back and their accounts were taken over XXXX by TD Financial which was the successor to Chrysler. The statue of limitations according to the law mandates that it be removed from my credit history as of XX/XX/XXXX. It was removed from XXXX and XXXX this year and not XXXX. The problem here is that the XXXX report only lists TD Financial as the lending institution not Chrysler Financial and are reporting the wrong date. They claim it is XX/XX/XXXX. I disputed this with XXXX but as Chrysler Financial is no longer in business and the information to XXXX was submitted by TD Financial they have to go by the TD Financial submission as the have no record of Chrysler, only TD. I have submitted evidence from the original lender from the other XXXX credit reporting agencies clearly showing Chrysler reporting the first and last delinquency of XX/XX/XXXX where as TD ( the exact same company ) reporting it as XX/XX/XXXX. Clearly they are lying. I have repeatedly tried to have this item deleted by writing to them, to the credit bureau ( XXXX ) but they stand by there claim of initial first delinquency even after I sent to them the submission by Chrysler Financial to the other XXXX bureaus. I am asking you to review the information which shows the liability of TD financial. 
I am submitting documentation from TD financial and XXXX ... ... ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and erroneous information reported on my credit account, and the credit companies arent complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and BANK OF AMERICA with no successful resolutionXXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Debt collection

I received a bill from XXXX XXXX dated XX/XX/XXXX, I spoke with XXXX XXXX on XX/XX/XXXX trying to resolve this matter, he offered a settlement in the amount of {$380.00} from the original balance of {$480.00}, I advised XXXX XXXX from XXXX XXXX that I was in contact with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX who should have received my application regarding this bill back in XXXX, I went to XXXX XXXX hospital directly today and drop off my application regarding this account for their financial assistance and XXXX XXXX still insisted me paying the {$380.00} discount price and he ignored the fact that XXXX accepted my financial assistance application and threaten to keep my account in collections instead of reaching out to XXXX to verify the information regarding my account. XXXX XXXX would have not taking my applications if they were not will to work with me regarding this. XXXX XXXX was so insisted on me paying {$380.00} instead of contacting XXXX XXXX. XXXX XXXX billing department put a note on my account stating I dropped off all the necessary paperwork regarding my account so the can see if I qualify for assistance, if not I will make payment arrangements with XXXX where the bill is from