23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received a delinquent tax notice from XXXX XXXX for XXXX. The total taxes due were {$4400.00}. The notice stated Mr. Cooper only paid {$3100.00}. I tried to call several times over the course of XXXX  days. Each time I was placed in a queue that lasted for more than an hour before the call was disconnected. I contacted the XXXX XXXX, and they stated that a Tax Assessment was performed in XXXX XXXX and Mr. Cooper was notified of the increase. I submitted the notice to Mr. Cooper on XX/XX/XXXX. An automated reply stating ticket number XXXX was created. 

On XX/XX/XXXX, I received a reply from Mr. Cooper stating they received the documents I uploaded and had forwarded it to their Tax Department. The reply further stated that, " Since the escrow account was with us we will receive tax information directly from the tax collector. We will pay the tax bill first and then adjust your monthly payments to reflect the updated tax information. '' I didn't receive any additional information. 

On XX/XX/XXXX, I received Tax Sale Notice from XXXX XXXX stating that my home was scheduled for a web based tax auction on XXXX  XXXX, XXXX due to a delinquent tax bill in the amount of {$1100.00}. 

I've forwarded this information to Mr. Cooper on XX/XX/XXXX. XXXX. I detailed in my message my extreme dissatisfaction with their failure to perform a trusted and vital function of the most basic requirement as a loan servicer. I also expressed that I am prepared to forward this issue to the XXXX XXXX XXXX and hire private legal counsel if they do not reply immediately. An automated reply stating ticket number XXXX was created. 

I've never missed a payment. Not one. I've upheld my contractual obligations. If I had missed a payment they would have remedies. They should uphold their obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, the following accounts and info are fraud!! 
1.XXXX XXXX XXXX XXXX XXXX Account Number XXXX Date OpenedXX/XX/XXXX 2.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date Opened XX/XX/XXXX 3.XX/XX/XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 5.XXXXInquired on XX/XX/XXXX 6.XXXX XXXXInquired on XX/XX/XXXX 7.XX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I been banking with Chime for about three months. Everything was fine until my direct deposit was late and they took money away from me, denied my claims of disputes and never activated XXXX  feature, despite paying off my balance and having the requirements for XXXX feature. Next thing I know I threaten chime that I won't be using these features and I wake up the next day with an email saying that Chime closed my account. I had a bunch of refunds in the process and direct deposit but now it's all lost. I know for a fact it was a XXXX who banned me because I did not violate any policy. Not only did Chime took my {$150.00}, they failed to act upon their own policy. It states that a requirement of {$200.00} was required. I have them {$760.00} direct deposit and they took the {$150.00} and never activated XXXX feature.
Product: Credit reporting or other personal consumer reports

I did not attend this institution these accounts do not belong to me. Someone used my information to obtain these loans and i put in a identity theft claim alarming the government about this fraudulent activity under my name. 

XXXX XXXXXXXX XXXX  opened XX/XX/year>XXXX XXXX XXXX  {$6000.00} XXXX XXXX XXXX opened XX/XX/year>XXXX XXXX XXXX {$3500.00}
Product: Debt collection

So I got scammed on late XXXX early XXXX of year 2019 for the amount of {$1700.00}. COMPLAINT ID # XXXX Summary of my complaint : Chase executive named XXXX received my complaint and still flat out rejected me, referencing the DAA ( deposit agreement act ) where it says ... ( not word for word ) " if employee contradicts rule, this rule will govern '' with the rule being that they have no responsibility for their customer representatives providing misinformation to me that the check I withdrew was verified good. I'm frustrated because for her to use that as her defense would mean that she expects me to have remembered that rule on page X line Y that I signed OVER A DECADE AGO. That's outrageous. She is out of her mind. No one can remember that. It is her companies fault for not only having poor check verification staff, but also for lack of customer engagement in the sense that I was not made aware of this " rule '' in the 20+ times I called chase prior to withdrawing the check. I'm XXXX and I want TO BE fully REIMBURSED for what was NEVER MY FAULT.
Product: Debt collection

They left a message on a voicemail that clearly states many people use it. They left my full name & said they were attempting to collect a debt. I have no idea how many people heard this message, but XXXX of my friends have now told me about it. This is a Google voice mailbox and they have saved the recording in case it is needed later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received yet another email from Experian regarding my Identity Theft Police Report. In addition to receiving letters from Experian claiming the report does not reference identity theft, and does not meet guidelines per the Federal Fair Credit Reporting Act, I receive Experian letters ( attached ) stating the following information is needed : All pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency. 

I have sent this information to Experian. I have sent it three times. I have used the postal service to send the information as well as directly uploading the documents to Experian. However, I receive the same response letter asking for the same information. 

I am attaching the Identity Theft Police Report within this complaint. Please note the Police Report is numbered at the bottom of the report as Page 1 of 4 through Page 4 of 4. I sent all four pages plus a letter from the assigned Detective, XXXX XXXX. In Detective XXXX first sentence, it reads, This report was filed the Fate DPS. So, I did send all pages of the identity theft report and the report was filed with a law enforcement agency. 

I have tried unsuccessfully to have Experian accept my Identity Theft Police Report. If you can, please let Experian know that my Police Report is not missing any information, and it is OK to accept the Report. 

Also, I have been unsuccessful in disputing the following Experian fraudulent accounts : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX If Experian accepts my Identity Theft police Report, I wish to have the above fraudulent accounts removed from my Experian Credit Report.
Product: Debt collection

i have contacted seventh avenue debt collector several times within the last 3 weeks about this fraud and identity theft of a XXXX  XXXX card placed in my name and now attempting to be collected by them last time was XX/XX/2022 seventh avenue XXXX XXXX XXXX XXXX, WI XXXX XXXX ( there address, on my credit reports... ) at this number ( XXXX ) XXXX and talked to XXXX I had told her I called before about this identity theft/fraud and how the other customer relations personnel from last call had indicated they would send me a formal dispute form which i never received nor is it on record that they sent one out as it was indicated to me by XXXX... 

I reported this fraud to them and to all three credit agencies so far they have rejected my online disputes and refused to give credence or legitimacy to my dispute nor have they sent me the dispute documentation they promised to, so i can formally dispute by paper and not only online which i have already done several times through my credit report agencies and XXXX XXXX 

i have been falsely accused of owing XXXX dollars and past due of XXXX dollars and on this fraudulent account and debt collection it indicates i am 120-140 days late...
Product: Mortgage

Hello, I have a mortgage thats serviced through shellpoint mortgage ( https : //www.shellpointmtg.com/ ). 
In XX/XX/2023, my bank XXXX XXXX XXXX froze my account because of a security alert ( I was making XXXX payment to someone and that triggered a security alert ). 
And unfortunately my bank did not inform me that because the account was frozen they returned the shellpoint mortgage payment request. 
But, on XX/XX/XXXX when shellpoint mortgage contacted me to tell me that they did not receive payment. 
Then in XXXX, the payment again did not go and when the shellpoint agent called me, he explained to me that once a bank refuses payment the recurring payments do not go through and that I have to set up recurring payment again and for that reason they reversed the late fee for XXXX. So again I promptly made the payment and setup the automatic recurring payment on their website again. They told me once the payment has successfully gone through callback and they will take this late payment because its the site fault that gives the customers an impression that their auto recurring payments are set. 
I did not get a chance to callback for getting the late fees removed but then in XXXX and again in XXXX same thing happened. Even though I am setup for auto payment on the website as shown in the screenshots, the payments do not go through. 
Shellpoint mortgage because of fault on their website is charging customers late fees and then not willing to work with the customer to remedy the situation. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax refuse to honor my documents that I provided proving Im a victim of identity theft. I have 21 inquiries that dont belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I started XXXX VA Loan assumption in XXXX for a property that was under a VA loan in Maryland. The lender, MrCooper ( Nation Morning Star LLC dba ), began the process in early XX/XX/XXXX after both the seller and buyer completed all required VA loan assumption documents per the Department of Veterans Affairs. MrCooper advertised on calls and email that the process could take " XXXX months ''. Over the next 6 months, MrCooper frequently did not communicate with either the seller, buyer, real-estate agents or title company. Average time to respond to the buyer was 14 days. A detailed breakdown of phone call and email communications between MrCooper and the buyer is available. 

At 6 months, both the seller and buyer contacted the escalations department of MrCooper for an update. Within XXXX hours we were contacted that the application was complete and set a closing date of XX/XX/XXXX. Seller signed and notarized documents from a separate state, buyer closed in Maryland. On XX/XX/XXXX the buyer logged in the MrCooper portal and noticed no change to account, the property that was closed on XX/XX/XXXX did not show up. Phone calls to MrCooer showed that the seller was still the owner of the account. A call to the escalations department on XX/XX/XXXX revealed that the closing never occured according to MrCooper, despite funds being transfered, deed signed, and a MrCooper VP signing the VA XXXX XXXX XXXX XXXX of XX/XX/XXXX. As of XX/XX/XXXX, MrCooper still will only state " they are looking into it '' with no further detail. Additionally, they will only call and contract the seller, as the buyer isn't shown as authorized on the account. 

Repeated attempts at resolution or information have been made by the seller, the buyer and the title company for resolution, with limited to no useful response by MrCooper. The buyer as initiated contact with a law firm to investigate potential claims to be made against MrCooper.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate inquiries in my file. Delete these immediately! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Received an alert from credit monitoring service that inquire from XXXX XXXXXXXX XXXX posted on my account XX/XX/2018. Contacted Trans Union to notify that I did not apply for credit and inquiry is unauthorized. TU advised that I contact XXXX   to have inquiry deleted. Contacted XXXX and was advised to contact TU to have deleted because they have not record of application on file. Contacted TU to have inquiry deleted after explaining what was advised by XXXX. TU indicated that they could not delete and I would have to contact XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from Experian.com and I saw that you have recently began to report me 30 days late. I also stated that I have previous credit reports from the [ Name of credit monitoring ] that reflect my accounts accurately, as paid on time. I explained that I was I never late on the following accounts, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 

My previous letter listed the sections of the FCRA that you are violating. You are in clear violation as I was not late and I never received notification that negative data was going to be furnished to the bureaus about me. I also noted that I was sending a copy of the letter certified mail-return receipt to the proper agencies. I will do the same with this letter. I will then lodge formal complaints and pursue legal action if you do not supply proof of my late payment of confirmation that it has been removed. Please see the following accounts : XXXX  XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATIONXXXX XXXX.
Product: Credit reporting or other personal consumer reports

Upon carefully reviewing my credit I have realized someone has been using my credit. I have reached out to creditors and beauro for this matter and they both have not helped me resolve the issue. I do not know who is using credit without my permission but it have been ongoing since XXXX.
Product: Checking or savings account

There was a fraudulent debit transaction on my Chase account on XX/XX/XXXX for {$140.00}. I notified chase of the transaction on XX/XX/XXXX. I notified Chase on XX/XX/XXXX that my debit card was missing and that I believe the card and PIN number had been stolen on XX/XX/XXXX. I explained in detail that I had mistakenly believed I still had possession of the card on XX/XX/XXXX. I called Chase for a third time on XX/XX/XXXX and was told that my claim had been denied and that Chase was not going to reimburse me for the amount {$140.00}. I told them that I wished to dispute this decision because they are in violation of federal law ( Regulation E. ) I told Chase that because I notified them within 60 days of this fraudulent transaction I should not be liable for more than {$50.00}. I was told by Chase that there was nothing else they could do concerning the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX Bank Account # : XXXX, has violated my rights. 
XXXX and XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX Account # : XXXX ****, has violated my rights. 
XXXX Account # : XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These account is showing inaccurate information. 15 us 1681b and 15 us 1681e accordingly to fcra these law was in place. These account are showing improper information that not right. One bureaus is showing 30 day late payment XXXX and 60 day late payment XXXX and 90 day late payment XXXX. And the other bureau is showing XXXX XXXX XXXX. These all inaccurate information please delete harming me from getting house for my family.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNT : XXXX XXXX XXXXXXXX.
Product: Mortgage

I have been divorced since XXXX. They claim even though we are divorced he is still responsible for the loan. I have submitted all the documentation, including XXXX quit claim deeds. I have had XXXX addresses in the last XXXX years. He has had numerous. We do not speak and PennyMac told me numerous times that if I assume the loan that I have been paying on for XXXX years I must requalify and pay a fee. They refuse to remove the name of my abuser which I have to look at constantly. I can prove everything with documentation. He was a XXXX XXXX and has been disciplined numerous times for violent behavior. I have been paying long enough for his constant verbal and XXXX XXXX XXXX behavior. Be aware I can prove everything I say, including the fact that I paid for the refinance XXXX years ago AND my mother, still living at age XXXX gave me the down payment in a gift letter for the original FHA loan
Product: Credit reporting or other personal consumer reports

I pulled a recent copy of my consumer reports and realized inaccurate information was furnished. This information is causing a negative impact and should be removed immediately according to the Fair Credit Reporting Act ( " FCRA '' ). The following accounts should be removed and blocked from my reports : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX Open Date : XXXX XXXX, XXXX According to The Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with federal credit reporting and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : XXXX. 15 USC 1681 ( a ) ( 4 ) - as a consumer, I have the right to privacy, the information furnished by your company infringes upon that right. 

XXXX. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization. 

XXXX. 15 U.S.C 1681b ( a ) ( 2 ) - permissible purpose is required for furnishing a report, I did not provide your agency any permissible purpose. 

XXXX. 15 U.S.C 1681 ( a ) ( 3 ) - it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. 

In light of the law 's clear violations, your agency must take the following action : XXXX remove the inaccurate information from my consumer report. 
XXXX. Provide documents proving an investigation was conducted. 
XXXX. Provide a confirmation letter stating the information has been removed. 
XXXX. Rectify my credit report to ensure it no longer includes inaccurate information. Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Credit Reporting Act.