23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, my mortgage was bought by Mr. Cooper from XXXX in the beginning of this year. 
there are several issues, all related to terrible communication with and from the company. 
Issues : 1. I've been bombarded with robocalls from the cooper, but their system would not connect properly - there is at least 30 30-second deadline before the message begins. That led me to drop the calls considering it to be a mistake. Today I waited long enough to hear that they are trying to collect debt. since the loan is still in 60 60-day grace period - this is a mistake. there was no option to connect with a human to rectify the issue. 
2. All calls to their customer service department, as well as all options on the website and in web chat provide the same automated and unhelpful responses. There is no option to connect with a customer service rep. Today, after 4 or 5 attempts I somehow was able to connect to a service rep in a completely different account. She kindly resolved my questions in 6 minutes. 
My total time spent trying to get to a CS is 49 minutes.
Product: Debt collection

I am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. 
XXXX XXXX XXXX - I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected on my credit report.
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX  XXXX, XXXX. WITH A REPORTING BALANCE OF {$430.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had three late payments on an account that I was never late for. Extentions were granted for each of the late payments reported prior to 30days of being considered late. I contacted and informed furnisher of error. See attachments XXXX XXXX ACCT # : XXXX Please 15USC1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Debt collection

I received a phone call this week  (   XXXX   XXXX   XXXX  ) that I had an outstanding debt from  XXXX . However, I do not have any bills from the original company they claim to be collecting for to say that I owe anything. I have a screen shot from this my doctor stating that I have no outstanding bills.    XXXX   I have had the same phone number for a decade so they clearly did not try hard to contact me by phone before this point. During the phone call, I was NOT told that I could dispute the claim if I needed to. I have moved once but forwarded my mail and did not receive anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, And XXXX  have not honored my request to put a fraud alert on my account. As i curranty fall victim to there negligence Cyber criminals have stolen my identity and got Bank account, credit cards, Loans. Hacked all my Email addresses and changed security questions And I have not obtained any Support to Solve this.
Product: Credit card or prepaid card

I recieved a call on XX/XX/XXXX from direct express, a customer service representative stating they seen an attempted fraudulant transaction and were calling to confirm it was not me. I told the CSR it wasn't and she said she was deactivating the card and issuing me a new one. Then on XX/XX/XXXX my childrens benefits were deposited and at XXXX XXXX   someome from XXXX ohio fraudulantly stole over XXXX from their account using an atm. There was two transaction first was {$760.00} and the second transaction was in the amount of {$800.00}. I immediately on XX/XX/2019 reported the theft to direct express and filed a dispute. I was promised i would get the money back because i showed proof it was not me and my dispute was denied. Direct express is refusing to refund me the stolen money. I filed a police report with the XXXX police department in Pennsylvania where i reside. The chief himself faxed direct express all documents they asked me to send and still with no resolution. My child has a life threatening medical condition and i depend on his benefits to pay for his medication or he can die. Please help me.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Only contacted the collection agency and NOT me for my side of what I claim was a fraudulent sales technic. 

They accepted the groups response as Fact. However That's how the agency makes Their money! 
( by extorting my credit! ) The group is XXXX XXXX? 

I had previously spent hours trying to convince " XXXX '' their salesman was a fraud, but they couldn't find the recorded calls I had made. How convienant?
Product: Checking or savings account

I have a Checking account with Juno ( https : //juno.finance ). In the past days, Juno 's banking services, including ACH transfers, wire transfers, and card transactions, have been disrupted. Cash services are unavailable. Juno states that this is due to issues with Juno 's banking service provider. 

Juno also states that the disruptions are due to issues with their banking services provider, XXXX XXXX  XXXX XXXX. And that, Juno is not responsible for the disruptions. They have been closely collaborating with XXXX XXXX  XXXX XXXX and their brokerage partner, XXXX XXXX XXXX, to resume normal service operations. But it's already been now for more than a week that my checking account is basically frozen.
Product: Debt collection

I have asked Central Financial to validate a collection they are reporting on my credit reports from XXXX/XXXX/15 to XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX Early Warning Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Early Warning, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a DC resident. In Washington DC, DC residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : ACCOUNTS ; XXXX  XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$290.00} ; XXXX  XXXX XXXX Owed : {$3100.00} ; XXXX  XXXX Balance XXXX : {$3400.00} ; XXXX  XXXX Balance Owed XXXX {$1400.00} ; XXXX  XXXX Balance Owed : {$870.00} ; XXXX  XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX  XXXX Balance Owed : {$4500.00} ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX XXXX Owed : {$5000.00} ;
Product: Credit card or prepaid card

Bank of America closed and or removed access to my Nevada unemployment card. 
In XXXX of 2020 I alerted Bank Of America about an unauthorized ATM withdraw. 

I was then sent a new card to activate. 
Bank of America then denied my claim for an unauthorized withdraw within 24 hours. After receiving this information I then sent an appeal. 

On or around XX/XX/2020 Bank of America closed my account and or restricted ALL access to the account online and through ATM withdraws and card uses. 

Due to Bank of America I am unable to pay bills or buy groceries for my family. 

Bank of America stated it was " Nevada unemployment '' that had closed my account. 

After so much back and forth between the two agencies I am left without the funds necessary to provide for myself or my family. Due to Bank of America 's negligence of closing any and all accounts that had reported fraud. Leaving myself and thousands of others without our benefit payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX.

Macy's/DSND XXXX XXXX XXXX XXXXXXXX Is a incorrect inquiry 's on my report that should not be there because I did not try to authorize this account and would like them removed!
Product: Debt collection

I have been in a dispute of an alleged credit card account that I am not aware of at all and It has been in a judgment in superior court for 2 times since XXXX ( very unawares ) and XXXX ( did not want to resolve the matter in XXXX from scheduled date and it was made on XXXX ). I have presented questions for the opposing party, DISCOVER BANK, by way of a law firm, in for them to answer and they have refused tremendously in answering the questions. This is why I have not received cooperation in regards to this alleged account and I would like assistance on this matter most urgently. I have had a court date that was designed for XXXX XXXX and there was an apparent court date for XXXX XXXX that was issued but not to wait for the XXXX XXXX date that was awaited by myself in appearing in court for that particular date. Altogether, this alleged account is in scruples and is very tiresome of the opposing party in answering questions that has been involved in gathering the history of this account, with any supposed credit card application, or signature of the alleged account and this is very disturbing for me, be it that I have been under identity theft with my social security #, or address, or phone number ( s ). I need help in resolving this issue, be it that I am in a judgment notice of " Right to have Exemptions designated '' and it is very disturbing of the opposing party in answering questions pertaining to this alleged debt that refused so many times.
Product: Credit reporting or other personal consumer reports

I have an acct with experian My phone number has changed. My credit card is changed. When i sign in it wants to call my old number and send a code so therefor I can not sign on my account even though i am putting in my correct user name and password the system wants to call my old number. This would not be a problem if I was able to call customer service but there is NO LIVE CUSTOMER SERVICE for experian. There is no way for me to correct this problem without speaking to someone and you can not even get transferred from the automated system If you XXXX this problem you will see its widespread chaos. I am trying to protect my identity and i cant access my information or speak to anyone to help. Thank you
Product: Checking or savings account

So theres 2 problems here I did not know I can file a complaint this way, I had a total of XXXX charged to my account through cash app which was connected to my debit card unauthorized transactions that I did not make my self or allow anyone else to make. I had the physical card on me. XX/XX/XXXX was the first unauthorized transaction in the amount of XXXX dollars to XXXX  XXXX XXXX and between that date and XX/XX/XXXX there were a total of 11 transactions totaling XXXX that was sent to this person that I do not know and have no business with. I reported this to Wells Fargo before 60 days had past the last transaction that was made on XX/XX/XXXX of 2022 I made the report on the Transaction XX/XX/XXXX of XXXX  and my claim was denied for a reason unknown. To me. 

The second incident was a withdrawal in the amount of XXXX or XXXX Im not 100 percent sure on the number because I cant access my account anymore due to the closing my account after reporting these fraudulent transactions. I used my Wells Fargo card for a down payment on a car from XXXX so when the money was deducted from my account I didnt think twice about it about 30 days later I get a letter from XXXX XXXX saying if I dont resolve the balance of my down payment my car will be repoed. So I go back and look at the transaction and apparently someone was able to withdraw the money from my account and Wells Fargo denied my claim with nothing on their findings and on top of that closed my account after reporting it to them.
Product: Checking or savings account

Wells Fargo has provided remediation funds for all persons having a Wells Fargo bank account or mortgage account and refuse to give me information regarding my deceased mom 's account which is now solely in my name. 
On XXXX, phone consult with XXXX XXXX. I followed up with a request to submit all documents regarding property that Wells Fargo had a deed of trust on. 
On XXXX, I submitted all documents and requested a call back regarding this mattter, however, they failed to respond. 
XXXXfollowed up with an email and no response XXXX up with an email and no response
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion and blocking of the following accounts from my credit report, as I have been a victim of a data breach. The fraudulent accounts listed below have been compromised, and pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that they be removed from my credit file. 
The following accounts have been affected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name : XXXX XXXX Consumer Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX  XXXX XXXX XXXX, XXXX and also XXXX XXXX XXXX XXXX on XX/XX/XXXX, a XXXX on XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX, XXXX, XXXX XXXX on XXXX. XXXX, XXXX XXXX  on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Personal loan account opened at XXXX  XXXX On XXXX XXXX, XXXX And a collections account opened at XXXX XXXX XXXX XXXX with a balance of $ {$1900.00} that appears related to the aforementioned personal loan account opened XXXX XXXX Also an collection account ( XXXX ) XXXX XXXX XXXX opened on XXXX. XXXX, XXXX that appears related to XXXX XXXX with a balance of {$420.00} Also an collection account ( XXXX ) XXXX XXXX XXXX opened on XXXX. XXXX, XXXX that appears to be associated with XXXX XXXX XXXXXXXX XXXX XXXX And other accounts XXXX opened on XXXX XXXX, XXXX XXXX opened on XXXX XXXX, XXXX with a balance of {$4400.00} XXXX opened on XXXX XXXX, XXXX with a balance of {$72.00} And all Hard inquires
Product: Checking or savings account

I had a rejected payment from my robinhood checking account this triggered a fraud alert or suspicious activity issue with them. They asked for id verification, I provided all of that. They then decided to close my account and now I can't withdraw my $ XXXX.
Product: Mortgage

Purchased my home in XX/XX/XXXX. It was a new build although there was plenty of homes in the surrounding areas. First year my payments were {$1900.00} up to second year XXXX I was offered to refinance which dropped my percentage from 4.25 % to 3.0 %. The first year I also received a check of {$5000.00} due to escrow refund. The purpose was to lower my payment and the loan was for the same term. My new monthly balance became {$1300.00} ( XXXX ) which I had worked my other bills around and helped because of covid pandemic. At the beginning of XXXX I also applied for the XXXX exemption. Up to XXXX of this year my payments were {$1300.00} and then I received my escrow balance and it showed negative - {$7000.00} and my payments have gone up to {$2300.00}!. After seeing the {$1000.00} difference I called them. So their first response is because taxes had gone up which I only say a few XXXX dollars. I'm not sure how they could have miscalculated that much and after reviewing they did think it was strange and after 30min on the phone being transferred the call dropped. I decided to call again at a later time and they informed me that someone would send me my escrow analysis. Unfortunately due to covid, the winter storm here in Texas, and a vehicle accident I haven't recovered financially and when I was ready to my payments have increased. I have also gone under forbearance due to this.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXXXXXX XXXX XXXX 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

I do not owe this debt it was sold to a collection agency without my permission and knowledge they are threatening to take legal action against me.
Product: Bank account or service

SUNTRUST BANK WRONGFULLY OPENED A MINOR CHILDS ACCOUNT AS A JOINT ADULT ACCOUNT, LINKED TO THE PARENT. PARENT WAS ASSURED THAT WHEN THEY OPENED THE ACCOUNT IT WAS A MINOR ACCOUNT AND THAT THE PARENT ONLY HAD TO COSIGN AND THAT THE MINOR WOULD HAVE NO ACCESS TO PARENT ACCOUNT. A FRAUDULENT CHECK WAS DEPOSITED INTO THE CHILDS ACCOUNT VIA THE INTERNET BY TAKING A PIC OF IT. THE CHECK WAS {$7000.00}. THE CHILD SAID HE DID NOT KNOW THE CHECK WAS FAKE BECAUSE IT CLEARED THE NEXT DAY. THE CHILDS ACCOUNT HAD NO MONEY TO COVER THE CHECK, AND THE BANK WENT AHEAD AND RELEASED FUNDS THE VERY NEXT DAY. THE CHILD WAS ABLE TO WITHDRAW {$3000.00} WITH OUT PARENT PERMISSION, AND ALSO WAS ALLOWED TO USE HIS OWN DEBIT/CREDIT BANK CARD LINKED TO HIS ACCOUNT AND TAKE OUT LARGE AMOUNTS OF MONEY. AS SOON AS PARENT HEARD ABOUT THIS THEY WENT TO BANK AND HAD ALL ACCOUNTS CLOSED. THE BANK THEN TELLS PARENT THAT THE ACCOUNT WAS OPENED WRONG AND THAT THE CHILD WAS NOT LISTED AS A MINOR, BUT AND ADULT ON A JOINT ACCOUNT WITH PARENT EVEN THOUGH THEY HAD HIS DATE OF BIRTH ON RECORD. THE BANK THE SAYS THAT HE SHOULD OF NEVER BEEN GIVEN A DEBIT/CREDIT CARD BECAUSE HE WAS A MINOR. THEN THE BANK SAYS THAT THE REASON WHY THE RELEASED THE FUNDS THE NEXT DAY IS BECAUSE THE PARENT HAD THE FUNDS TO COVER THE CHECK IN HER SAVINGS ACCOUNT. IF THE ACCOUNT WOULD OF BEEN SET UP CORRECTEDLY, THE MINOR WOULD OF NEVER HAD ACCESS THE THE FUNDS BEFORE THE CHECK ACTUALLY CLEARED. THE BANK THEN TELL THE PARENT THAT IF THE PARENT WOULD OF NOT HAD THE FUNDS IN HER SAVINGS ACCOUNT TO COVER THE CHECK THE FUNDS WOULD NOT OF BEEN RELEASED. SO THE PARENT WAS NOT PROTECTED BECAUSE SHE HAD ENOUGH MONEY IN HER SAVINGS ACCOUNT. NOW THE BANK HAS FROZEN ALL OF THE PARENTS ACCOUNT, AND THE PARENT HAD NO IDEA WHAT THE MINOR WAS DOING. PLEASE LET ME KNOW WHAT I CAN DO TO MAKE THE BANK LIABLE FOR THEIR WRONG DOING. THE LADY THAT ACTUALLY SET UP THE ACCOUNT OF COURSE IS NO LONGER AT THE BRANCH. MY PHONE NUMBER IS XXXX AND EMAIL ADDRESS IS XXXXXXXXXXXX. 
THANK YOU, XXXX XXXX
Product: Credit card

Equifax, XXXX, XXXX has not updated my balance