23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The problem began for the tax collector in the middle of XXXX when my name and tax amount was not included on the printout of payments from Mr. Cooper. This was just about the time that the files were being transferred to the XXXX XXXX. It went around and around and on XX/XX/XXXX when there was still no payment, he called me to get involved. I called the company. The funds had been withdrawn on XX/XX/XXXX and after that - no one had a clue. I spoke with XXXX XXXX who provided me with a direct phone number and had promised to expedite the issue and would get back to me on XX/XX/XXXX. That did not happen. On XX/XX/XXXX I telephoned your office, left a message for your administrator assistant and NEVER got a call back. Spoke with XXXX who again promised to expedite the issue since that had NOT been done by XXXX. XXXX assured me that she would do it, but it would take 3 business days and though I called first thing on the XXXX, that day did not count. I again called the corporate office and spoke with XXXX who promised to get back to me by XXXX XXXX ET on the XXXX as he was presenting the issue to his VP, XXXX. At XXXX XXXX ET I called XXXX who had forgotten and then called his VP while I was on hold. He told me that it had been reissued on the XXXX and he would give me a tracking # when he had it. He also told me that my taxes were not due until XXXX which is not true. An email from him this morning told me that the check, in fact, had not been reissued, but would be today and overnighted. As of XXXX XXXX ET, I  have heard nothing. With each conversation, the facts as they appeared to Mr. Cooper continually changed. I have been lied to, snickered at, patronized, misled, and have had an experience so horrific.
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. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, 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 15 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, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent accounts on my credit reports. 

XXXX XXXX {$340.00} XXXX XXXX {$240.00} XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021, my Loss Mitigation Assistance Application was denied by M & T bank. On XX/XX/2021 I received a letter from M & T regarding my Loss Mitigation Assistance Application for which they request additional documentation. I supplied the additional documentation on XX/XX/2021, via confirmed Fax from an M & T branch. Although I supplied all the documents requested, application was denied and forbearance status was revoked leading to four packages of foreclosure letters mailed to my address at XXXX XXXX XXXX, XXXX XXXX, NY, XXXX the following week. This practice was horrendous, as M & T customer reps has no explanation as to was cause for the for start of foreclosure proceedings. They never processed my application because it was never their intent. I am concerned that M & T is attempting to force me out of my home so the profit by resale on the open market. They are denying me the opportunity to obtain loss mitigation assistance to stay in my home as I wish to do.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy on this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I am now requesting you to investigate and provide verification proof with records showing that I had late payments on my XXXX account # XXXX. If this information can not be verified I demand these late payments be updated to paid on time immediately. Thank you for your understanding and prompt attention.
Product: Credit reporting

To Whom It May Concern : There are XXXX major complaints within this report : XXXX XXXX through the reporting agencies & XXXX scores being distributed. 
Recently ( starting XXXX 2016 ) I began working with XXXX XXXX XXXX to repair my damaged credit. Please note this complaint is not geared toward XXXX XXXX but that of XXXX Equifax, and XXXX. 
Within the first 4 months a combined total of 65 % of negative items have been removed. XXXX XXXX sends out letters on my behalf, which I am provided a copy of, to dispute negative items then my provided portal is updated. Along the way I can see which negative items still remain and which agencies are not deleting items, though other agencies have. Equifax being the most cooperative by removing XXXX of the XXXX negative items, followed by XXXX deleting XXXX of those XXXX items and XXXX being the most challenging only XXXX of the XXXX items. XXXX XXXX XXXX is still being retained and in the last 4 months no items from XXXX or XXXX have not been removed and is effecting the my chance of getting a 1st mortgage with a fair package for first time homeowners, even possibly a better interest rate on my auto loan, that I will be applying for this week. 
The 2nd part of my complaint is the reporting. Though XXXX is being difficult when I went to XXXX directly to purchase my score, my score according to their scholastic reporting at XXXX is a XXXX XXXX is considered a XXXX, regardless. However the even greater issue here is why my score is not equal to all who see it? XXXX directly states XXXX, XXXX XXXX 'XXXX is XXXX, XXXX XXXX shows XXXX? 
My ranting as I close : How is this helping any consumers when numbers are just being tossed about with no consideration of what this does to someone wanting the basics of either applying for credit or knowing where they stand with their credit? Such as decent interest rates for a mortgage, an auto or anything else that may require credit. Let alone you can not have your, say, XXXX report or any report pulled when applying for credit to not affect it by having a hard hit on your credit, which can also have an effective by this hit lowering the score for a long period of time? So if you are border line and you take the hit then you went below the required level and now you 're at a higher interest rate. I realize the reporting game is like medical doctors with medication and kickbacks as with higher rates kickbacks for the agencies. Keep the consumer confused and they agencies get to run amuck. 
If you would like to see the XXXX report which states the XXXX I purchased from them verses the XXXX XXXX or XXXX XXXX or the negative items that the XXXX mentioned agencies are fighting please let me know. 
Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently check my credit report and i noticed some new inquiries on my credit report that i am not authorize. some one who has my personal information tried to apply for credit cards. XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must carry out their responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. These companies have violated my rights as a consumer No privity of contract exists only between the parties ; no third party can obtain rights continued within a contract or the buyer-seller of a contract without the express written permission of the original parties. Midland Credit Management account number : XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX. As the consumer, I assert my right to safeguard my private information, as supported by 15 USC 6801, which underscores the congressional policy that financial institutions, including furnishers of information to credit agencies, are obligated to uphold customer privacy and protect nonpublic personal information. These companies and the sellers have violated my rights as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

My homeowners insurance billed my escrow account for my premium. My escrow account underpaid my premium and now my homeowners policy is set to lapse due to underpayment. When I called my loan servicing company ( Mr. Cooper ), they said the error was due to miskeying in payment processing. The were subsequently billed for the underpaid premium and never made this payment.
Product: Money transfer, virtual currency, or money service

There were multiple transactions that were completed without approval.
Product: Credit reporting or other personal consumer reports

TRANS UNION IS REPORTING A NEGATIVE ON MY REPORT : XXXX ) XXXX XXXX XXXX  AMOUNT : XXXX DATE : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was called by Bank of America on Saturday, XX/XX/XXXX. I was told that there were fraudulent transactions from my XXXX account and to fix this i needed to enter a code into XXXX and send to an address " XXXX '' with a code that was sent to me. They also sent me many text codes from the Bank of America site via text to prove they were the bank. I sent XXXX codes to this address in XXXX for XXXX and XXXX. I had lost my wallet the day before so thought this was Bank of America calling me with a fraud alert. After I completed this, the person instructed me to open a new XXXX account at XXXX XXXX to ensure my accounts were safe. I did this but we did not complete any further activity. They said they will call me back tomorrow at XXXX.

When I told my daughter about this after the call she immediately told me this is a scam and I called Bank of America and confirmed this was a scam and money was removed from my account. I reported the fraud/scam to Bank of America .
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in the military and I sent in all the proper paperwork and information to the credit bureaus to have them accurately fix these issues. Some of these items are taken off of some of the 3 bureaus and still reporting on the other. The process should be the same for one and the other. While in the Military it is hard to contact the credit bureaus from overseas and I am fed up. This has been going on for over 5 years. I sent in FTC reports and also a FBI Victim report because the Feds caught the guys with id and drivers license in my name and arrested some of them. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX USAA SAVINGS BANK CREDIT CARD BALANCE XXXX $ XX/XX/XXXX ALL THESE ACCOUNTS BEEN CORRECTED ON XXXX AND XXXX BUT NOT XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX REPORTED THIS ACCOUNT THAT WAS FRAUD AND DELETED PREVIOUSLY FROM XXXX XXXX THE PURCHASED SOME DEBT FROM SOMEWHERE AND REPORTED THIS TO MY CREDIT I TOLD THEM THAT IT WAS FRAUD AND DELETED BY THE CREDITOR.
Product: Checking or savings account

On XX/XX/year>2025 I went into a Capital One Bank to close out my savings account. I provided all necessary documents to close out the account but was told they were unable to close out the account due to system error and would not be able to provide a check for more than {$1000.00}. I currently have over {$100000.00} in my savings account. This is fraudulent and quite frankly criminal behavior on the part of Capital One. They are holding my funds hostage.
Product: Debt collection

I spoke with XXXX, an employee, on XX/XX/XXXX at XXXX, in regards to my payment. Monday, XX/XX/XXXX, was XXXX XXXX XXXX XXXX, and the banks were not opened to receive my unemployment payment. I explained to XXXX, that I did not get paid on the XXXX because of this, and that I no longer had transportation. She advised me that she would extend out my payment for five days, so that I could send it by mail, and to give me extra time due to negative, below zero temperatures, and that I'd have to walk to mail the payment. On XX/XX/XXXX, I received a voicemail from XXXX, the Vice President of Operations, stating that he had not heard from me since making the agreement. I returned his phone call on XX/XX/XXXX at XXXX. Upon speaking with him, I hold told him that I had spoke with XXXX the previous day, and she'd extended the payment due to weather and the holiday. He said, " I make the decisions around here, and what I say is gospel. You need to get in here to make the payment, or I will file a hearing of assests, issue a bench warrant, and have you thrown in jail. You won't have to worry about being a single mother, if you're sitting in jail. '' This is the second time he has threatened to " throw me in jail '' for not paying him the way he would like to be paid. The last time he threatened me with jail, is because I asked for a payment arrangement, due to losing my job and being a single mother. Again, he also stated, if I were sitting in jail, I wouldn't have to worry about using the single mother excuse.
Product: Checking or savings account

I received notification ( a letter and bank statement through the US Postal Service ) from Bank of America about a new Core Checking account that was opened for me. I did not open the account. I only have a credit card, which I have had for many years, with Bank of America. 

I called on XX/XX/XXXX to inquire about the account and to close it. I was told by a customer service representative that the account was opened online on XX/XX/XXXX. The representative transferred me to the Check Fraud Unit and I filed a claim and requested information on how the account was opened without my permission. I was told an investigation would take place and someone would get back to me. I did not hear back from the bank and the account remained open with a XXXX balance. On XX/XX/XXXX at XXXX XXXX, I called again and spoke with XXXX from Customer Service. She reviewed the notes on the account and said the fraud department was working on my claim. I called again on XX/XX/XXXX at XXXX XXXX and spoke with XXXX. She reviewed the notes on the account and informed me that a claim was open and assigned to an analyst. She took additional information from me and said she would ask the fraud department to respond with an update ( the fraud department was closed at the time of our conversation ). XXXX also advised me to file a police report, stated she would place a freeze on the account and informed me that I would not be liable for any account activity. She advised me not to close the account because it would limit the fraud analysts ability to research how the account was opened. 

As of today, I have not heard back from Bank of America and the account remains open. I would like to know who open the account, how it was opened without my permission and, lastly I want the account closed. I believe Bank of America has had ample time to conduct an investigation and owes me an explanation. 

Thank you in advance for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXXXXXX services department, and explained that there was XXXX issues in regards to these particular inquiries on my credit report. 

XXXX. That I am not familiar with this XXXX ( XXXX XXXX - XXXX ) and I see that there has been unauthorized inquiries reported. 
XXXX. This Company is listed twice on the report ( which is giving XXXX Inquiries ) on the same day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon speaking with the agent on XXXX she gave me a Confirmation XXXX XXXXXXXX, in regards to the request that they investigate and remove - and based upon 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports This section specifies the conditions under which a creditor or any entity can legally obtain your credit report. Unauthorized inquiries violate this provision. 
But it is still on my Equifax XXXX report.and I would like it removed. Please and Thank you!
Product: Debt collection

NATLCRSYS is claiming that I owe them {$350.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card or prepaid card

I am back a few hundred dollars on my American Express bill. Like XXXX bucks. I make payments every month just not the minimum. They have called and harassed me daily and have called 4 other members of my family for whom no information has been given to them on their numbers. They called landlines and cellphones of these family members stating why they were looking for and giving up personal information about my account. No one else is on that account but me. The supervisor apologized and claimed they had no idea they have 15 people on one account. Then called me and said they couldn't tell me anything until I varified my name..but have called other members in my family to talk about my business. It's happened now multiple times for each person. Not once, like 3 or 4 times each person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. 

From the beginning of this year, I have called TransUnion credit reporting several times, to request a full hard copy of my credit report. 
And for some unknown reason, they are not providing me with one. 

I have applied for credit with different businesses, and I have been told that they could not access my TransUnion credit file, and I would like to know why. 
I have found that within the past few years, TransUnion has not been updating my credit score, nor my credit file with updated information. 

I want my credit file, as well as my credit score updated. 
And I do not want any Alerts, Freezes, or Promotional Blocks, placed onto my credit file.
Product: Credit card

On the XX/XX/XXXX I logged in to access my virtual card on my regular capital one card, no issues. Then today, I try to do the same, and am being told they can not verify my phone number. The phone number in question appears to be correct, I can see the last XXXX digits. I call in to ask what is going on. I am told by the XXXX agent, that my phone number was updated on XX/XX/XXXX. I asked who updated my phone number. It wasnt me. I changed my number around XX/XX/XXXX, I called/chatted/updated my phone number with all companies I do business with, this included Capital One. Capital one is claiming they have no record of that contact and my number was updated on XX/XX/XXXX, but an unknown party or system generated. I wasnt told how it was updated even though I asked multiple times how it was updated or who updated it. XXXX, the XXXX  I talked to gave conflitcing information to what the XXXX  representative gave. Neither XXXX fixed my issue of not being able to use the Virtual card on my account despite it working a few days ago. No one told me who initiated a phone number update. No one told me why my number wasnt updated months ago when I actually didnt attempt to have my number updated. XXXX also told me that my previous number that I had for many of years was only updated last year which is also false. I never updated my previous number years after having the same number, that also makes no sense. My number was verified to log into the Capital One app, but isnt good enough to verify to get my virtual card. I am a bit concerned about their record keeping. I am concerned about the safety of my account. I am concerned for the conflicting infomation that a XXXX provides against the her co-worker. I am concerned about what keeps updating my info when its clearly not me. I want answers. Its now saying my account is at the maxium amount for adding numbers. I havent added any numbers.
Product: Student loan

I HAVE A PRIVATE LOAN FROM XXXX XXXX. THE COMPANY ( XXXX XXXX ) PUT ME ON A REPAYMENT PLAN AFTER GRADUATION FOR $ XXXX MONTH BASED ON MY INCOME. I WAS ALLOWING AUTO DEBIT PAYMENTS FOR THIS $ XXXXMONTH FOR THE FIRST YEAR. AT THE END OF THAT YEAR THE PAYMENTS CEASED AND THEY INFORMED ME I HAD " BACK '' PAYMENTS I HAD NO KNOWLEDGE OF. THESE " BACK '' PAYMENTS EXCEEDED {$5000.00}! ON TOP OF MY NEW LOAN AMOUNT OF $ XXXX THAT WAS ORIGINALLY TOLD TO ME TO BE $ XXXX. 
I NOW HAVE TO PAY THE $ XXXX IMMEDIATELY AS THEY HAVE ALREADY REPORTED NEGATIVELY TO MY CREDIT BUREAU. 
AS MANY OTHERS WHO HAVE ATTENDED XXXX XXXX I AM STRUGGLING TO REPAY ALL OF THESE LOANS AS MY DEGREE IS CONSIDERED BY EMPLOYERS TO BE " WORTHLESS ''. 
I DO NOT UNDERSTAND HOW THEY CAN CHARGE " BACK '' FEE 'S ME FOR HAVING A REPAYMENT PLAN THEY SET UP FOR ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX Website : XXXX : XXXX Called me several times demanding I pay XXXX or they would suspend all my bank accounts. I called them tried to resolve and they said only could pay full amount. 

I have voicemail where they threatened me.
Product: Student loan

I have been making all payments on time but for the last 2 months I have been unable to log in to pay my bill. Website says service unavailable. I'm pretty much at the end of my loan & I can't even log in to see my balance or if I'm getting charged late fees & extra interest all this time. It's very frustrating because I just need to be done with this loan.