23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the creditor has engaged in unfair and misleading debt collection practices. Despite my efforts to resolve the outstanding balance, they have continued to report inaccurate information to the credit bureaus, which has negatively impacted my XXXX XXXX. I have made multiple attempts to dispute the errors, but the creditor has failed to provide clear documentation or respond to my inquiries in a timely manner. Additionally, they have violated the Fair Debt Collection Practices Act ( FDCPA ) by making repeated harassing phone calls outside of allowed hours and failing to provide required validation of the debt.
Product: Mortgage

XXXX sold a ton of mortgages to Mr Cooper in XXXX, mine included. We were all told that it would be a seamless transitio. It has been anything but. I have heard numerous complaints about working with Mr Cooper from former XXXX members. For me, it started when Mr Cooper kept sending me notices that I did not have hazard insurance and that they would be purchasing hazard insurance on my behalf at a cost to me. I tried to contact them but the correspondence did not have a number where you could talk to a real person. Finally a lady in mortgage gave me a number for a real human. 
After multiple phone calls... they put you on infinite hold i presume to get you to just hang up ... to resolve without success I finally got Mr Cooper and XXXX Insurance on the phone together. During that call both sides agreed that I did have the appropriate coverage. The notices from Mr Cooper threatening to buy hazard insurance at my expense continued. Then, for some unknown reason, Mr Cooper just stopped paying my homeowners insurance and I received notice from XXXX Insurance that they would be billing me direct. I called Mr Cooper a couple times who advised they would expedite the payment to XXXX but it took over a week to get to XXXX. Then, at the end of XXXX Mr Cooper sent me a refund check for around {$2800.00} advising I had an overage with my escrow account. I knew that I had not. Now I have received a notice that my escrow is running short approximately {$2800.00} ... imagine that ... and they will be increasing my monthly mortgage payment over {$400.00}. What does it take for the Govt to step in and get these folks on track? Read online and you will see negative review after negative review. This is not a one off problem. As a Veteran I feel let down by XXXX Mortgage and just at a loss in dealing with the incompetence of Mr Cooper. Impress me... somebody step in and fix this fly by night operation. I see a class action lawsuit brewing.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I have contacted Equifax a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE EQUIFAX DATA BREACH, And I believe that EQUIFAX has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act. The following accounts are reporting inaccurate late payments and debt not owed. 
XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 


XXXX XXXX XXXX # XXXX Please verify this account. 





XXXX XXXX, XXXX # XXXX Please verify this account. 





XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account.EQUIFAX has violated my rights. 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 a account without my written instructions 1 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''
Product: Mortgage

We respectfully request a copy of the call transcript between myself, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX from XX/XX/2016. 
I requested XXXX XXXX make sure to document the conversation. XXXX XXXX advised that the call is recorded and can be reviewed if the information does not make the file. On this call, XXXX XXXX was reminded of our meeting of XX/XX/2016 and blames XXXX XXXX XXXX for alleging that XXXX can not mark our credit for 45-60 days. 
On XX/XX/2016, I went to the BBVA Compass location off XXXX. in XXXX, TX. XXXX XXXX so happened to be at the location. We met to discuss the refinance and to determine if we were moving forward. I advised XXXX XXXX that we either move forward or we were walking away from the refinance. XXXX XXXX did not want to see all the work and costs be for nothing. 
In this meeting, I questioned XXXX XXXX in regard to our XX/XX/XXXX payment to XXXX. I advised XXXX XXXX we did not want a late payment on our credit as we wanted to avoid hits to our credit. I also informed XXXX XXXX that I did not want to make the payment if I did not have to. I advised XXXX XXXX we had no late or missed payments on our credit and we wanted to keep it that way. XXXX XXXX then left the room. Upon his return, XXXX XXXX 's response was " Do not worry about the XX/XX/XXXX payment unless I tell you to make it. If you make it, it will delay the close. XXXX can not hold it against you since they know about the refinance. As long as we close by XX/XX/XXXX, you will be fine. '' XXXX XXXX XXXX was in the office when I was told about the XXXX day hold on marking our credit history. XXXX XXXX admitted to XXXX XXXX, according to one of my conversations with XXXX XXXX in XX/XX/XXXX, that he did in fact tell me not to worry about the XX/XX/XXXX payment. I was informed XXXX XXXX coached XXXX XXXX on how to handle a similar situation in the future. XXXX XXXX and XXXX XXXX both apologized that not all options were presented to us. 
At this point, XXXX XXXX " does not recall '' many things he has told us. Self-preservation can make you distort the facts. 
The late payment is not a reflection of how we handle repayment of our bills. This is evidenced by our prior payment history and the approval of our refinance by BBVA Compass Bank. 
All 100 % of the blame for this falls on XXXX XXXX 's shoulders. The representation he provides to customers for BBVA Compass Bank falls short of anyone 's expectations. XXXX XXXX XXXX XXXX has the sole liability of this situation. He has the ability to be honest and admit his mistakes but is in self-preservation mode. 
We would like to put this incident behind us rather than being forced to take legal action against both BBVA Compass Bank and XXXX XXXX XXXX XXXX. I have attached our documentation and can provide additional texts between XXXX XXXX XXXX and myself, if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachments/attached documents and ID as it contains my full complaint and request.
Product: Debt collection

I am submitting new known contact information about the creditor. 
I was poor at the time of service. I was too ill at the time of service to consent to care not covered by my insurance. I was sick and not able to apply for XXXX XXXX. XXXX XXXX of the XXXX surprised me with charges. Under the No Surprises Act 2022 such bill is now illegal.
Product: Credit card or prepaid card

Cards will not work at any XXXX XXXX XXXX  ATM and will not work anywhere moat the time through any day. Says declined when theres money on the card.
Product: Debt collection

I have written Synchrony Bank in regards to a Sams Club Business Credit Card that was opened by someone using my personal information on XX/XX/2020 I recently discovered that is account was opened when i checked my XXXX  credit report and seen several inquiries from Synchrony Bank XXXX Sams BRC I called the bank and spoken to several departments before I was transferred to the fraud department and was advised that a Sams Club Business Credit Card ending in XXXX was open and active and I was listed as a personal guarantor. 
At that time I requested that the account be immediately shut down and the bank launch a fraud investigation. Rest Assure that I did not open a Sams Club Business Credit Card Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was told that the reason I was denied was that there were two accounts in negative standing appearing on my credit. The account names are XXXX XXXX XXXX for an amount of {$280.00} and XXXX XXXX XXXX XXXX XXXX for an amount of {$980.00}. Neither of these accounts belongs to me ; I never signed any contract or agreement with these companies and I never allowed them to run or access my credit file. I don't know who could have opened these accounts in my name because I have never allowed anyone to open an account on my behalf. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I have already filed a police report regarding this suspicious activity on my credit.
Product: Credit reporting

I have asked for verification of debt for inaccurate items on my credit report and I have not received a proper validation of debt.
Product: Credit reporting or other personal consumer reports

XXXX an XXXX are reporting inaccurate information for an account with XXXX XXXX XXXX XXXX. This account is reporting a late payment which the late payment was credited to my account and should have been removed from my report as I was told by XXXX XXXX they are not supplying this info and that it would be corrected on XX/XX/year> but it was not. I need this information updated asap to reflect accurate info specifically late payment removed and account reporting paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$79.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent my first response on XX/XX/2020 and a follow up letter on XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX card for 2 yrs with Experian, XXXX and XXXX because I never had this card or requested a card from this company. Not only am I being forced to have this card on my credit report when its not mine and CHARGED OFF 25 TIMES, but also being FORCED to deal with the account furnishing inaccurate credit information. This account is charged off and closed. Charge off accounts are not to have PAST DUE balances, yet this account has a {$580.00} past due balance, 25 charge offs and last updated XXXX XXXX but really last updated Today from my current dispute notice. My next step is federal court to FRCA violation for inaccurately furnishing information, disregarding these disputes and knowingly continuing to report inaccurate information. The payment history is also incorrect. I NEVER had this credit card, especially starting in XXXX as the pay history indicates. This account is from XXXX. I now believe that this company is PURPOSELY continuing to report inaccurately to hurt me.
Product: Checking or savings account

I had a CD that was due to Mature XX/XX/XXXX. I opened a Marcus savings aprox XX/XX/XXXX to put it in when it matures which I did XX/XX/XXXX. since then I been trying to get my money. Now tI cant even access my account online. When I call I spend hours online and get the runaround and I see onlne many others have the same problem and are mailed a check but I dont want that
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have  belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Equifax didnt investigate my dispute because they stated that this account which is a collection from XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on XXXX fico  credit report. They stated on the complaint response that this account is not reporting but was updated on my credo report the next day on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have been working with my wife to try to get a construction loan for our house. I have been debt free for XXXX  years now, while she maintains a small credit card as part of her month to month expenses. We were rejected for any loan product because while she does have good credit, they were unable to generate a credit score for me. 

When we went looking into my credit reports, all three reports show a solid credit history up until I paid off my last debt in XXXX or XXXX, with multiple accounts showing at least some payment history within the past XXXX years, with no negative hits on my history. However, all three credit reporting agencies are saying that they can not generate a credit score for me, and the bank in question, TD Bank, refuses to process a loan application without a credit score, positive credit history not withstanding.

One of the things I noted during the time frame was with my Experian report, which showed the accounts that were used in generating the credit score. It did not show ANY of the closed accounts, which were all part of the credit report, and just stated that there were XXXX closed accounts on my report. When I reached out to Experian to dispute this, they opened a ticket to look into the matter. When I called back to follow up on this, the representative who answered would not give me an answer about the issue of the lack of accounts showing on the score generator, but noted that there was an error message saying that 'because I did not have any credit activity in the last 6 months, they were unable to generate a FICO score for me '. I got similar responses from the other two agencies.

Considering according to FICO 's own website, their scores are only 10 % new credit, and 50 % are the length of the credit history ( over 10 years ) and Payment History ( excellent ), this is stupid. I could understand a 'lower ' score given the lack of recent activity, but no score at all makes no sense. If anything, it is a predatory and discriminatory practice against anyone who gets themselves out of debt. Previously, anything up for the last 7 years would be taken into account - given that, would any 'new ' credit bring back the 'old ' information in the report? No one has been able to answer that. And if not, then why has no one been made aware that the scoring algorithm no longer takes into account actual credit history?
Product: Credit reporting or other personal consumer reports

I have made a dispute about the incorrect information and they responded denying to change the incorrect information.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

My account was frozen on XX/XX/XXXX or XX/XX/XXXX. And here I am almost a month later having been through a freaking hurricane and without power for 9 days in XXXX, Texas and my money is still frozen in this account. SoFi refuses to give me any information or make my money available. The last I spoke with someone they said my direct deposit was in visitation and that they are returning the money back to the sender. They have not even given me the chance to verify that those funds are mine!! Its a freaking direct deposit Im not understanding how this could even happen, its not the first deposit Ive received!! Im not even sure if thats the issue but I think thats what the last rep I spoke with told me. Either way I have received no information from XXXX, no letter in the mail and they are just holding my money hostage!!! My next step is to sue!! Im not kidding. They have until this time tomorrow to respond or my attorney will be drafting the court documents.
Product: Credit card

XX/XX/XXXX - I opened a business account with Chase Bank for my partner and I. They sent us each a card, which we activated and started using. They charged us the {$450.00} annual fee on the first statement, which we paid. We paid our card in full every month thereafter. 

XXXX, XXXX - while out of the country my partner and I tried to use the Chase credit cards and they were declined. I called Chase to learn that they can closed our account and deactivated both cards. They had apparently snail-mailed my partner while we were out of the country with a request for her to again verify her address at our joint home. They gave her a XXXX week deadline that expired while we were out of the country. So they closed our account and deactivated our cards. After spending XXXX hours on the phone with their representatives she uploaded the info they asked for while we were on this trip in hopes of having the cards reactivated. 

XXXX, XXXX - we returned from our trip, spent hours on the phone with Chase attempting to resolve this issue. We each uploaded proof of address in attempts of them re opening the account. We were told that we would get a call from the representative if they needed anything futher to re open the account. Nothing happened. 

XXXX, XXXX - I called and talked to a manager, so I was told. I told them that after wasting XXXX hours of my life trying to get this account reopened, I no longer want to do business with an organization that has no care for their clients, and asked for my {$450.00} annual fee back as I would no longer get to use the benefits of this card, which is the only reason I signed up for it in the first place. 

XX/XX/XXXX - I am just off the phone with another manager at Chase who is telling me that " they '' refused to refund the {$450.00}, and that she would fill out a petition for me.

Any institution that will simply close the account of a client in good standing without calling, texting or emailing is clearly not in the business of building relationships. I have actual relationships with a few other financial institutions that would never disregard their clients experience like this. I not only want a {$450.00} refund for the annual fee that I paid to Chase but I want a written apology for the horrendous disregard of my experience with their bank practices.
Product: Credit card

We live in XXXXXXXX XXXX  and affected by hurricane Helene. We had not power, mail service, cell service or internet for two weeks. We were late by one day on our payment. We have called twice to asked for waiver. Both times they assured us the fee would be waived. Our recent statement still shows the fee outstanding. We called again today and they told us the fee would not be waived. We are requesting that the fee be refunded.
Product: Debt collection

They did not provide proof of assignment, chain of title, or insurance claims.
Product: Debt collection

I receive repeated calls, three times per day, including Sundays, at my office phone number. My office phone number was someone else 's before it was reassigned to me. If I pick up, a robot informs me that this is Southwest Credit Systems trying to collect a debt for someone named XXXX XXXX I am not XXXX XXXX, I have never heard of a XXXX XXXX. The robot informs me to press 1 if I am XXXX, or press 2 if I am not. I have pressed 2 twice. It says it will transfer me to a representative, but then hangs up. This has been going on for weeks.
Product: Credit reporting or other personal consumer reports

This company ( XXXX XXXX XXXX ) is reporting inaccurate and fraudulent information on my credit report. By provisions of 15 US section 168i of the Fair Credit Reporting act, these items need to be investigated. Please provide me with proof of these items, specifically the purchase agreement bearing my signature. Failing that please update the record to show as REMOVED and delete this item from my credit report as soon as possible. This account is listed as a collection/ charge off account on my credit report but I have not received a 1099C for this charged debt nor do I have any knowledge of this account. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. Pursuant to 15 US section 1681 ( 6 ) ( A ) of the Fair Credit Reporting act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completed investigation.