23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was bought by Mr. Cooper mortgage in 2021. 
Below is the sequence of events that leads me to belive they are incapable of fixing the problem themselves and I need legal assistance to resolve this issue : I received a letter stating that I didn't have current insurance and they were going to open a policy in my name and address for {$1600.00}. They said my homeowners insurance needed to be updated cause it was expired in XXXX 2021. This is false, I have had the same XXXX XXXX plan for 3 years and it needs to be renewed every XXXX. I immediately called Mr Cooper and provided the documents necessary to prove I had insurance with the email address they provided me. 

Three days later they bought a policy for {$1600.00} without my consent. I EVEN TOLD THEM THEY DO NOT HAVE LEGAL PERMISSION TO MESS WITH MY MONEY/ESCROW!

I called again and provided the documents again to show i have current coverage. Mr. Cooper even three way called my insurance company with me on the phone to confirm everything was in place. The woman with Mr Cooper apologized and said my account would be credited to my account- it has been 2 weeks and it has not been credited. 

THEY ARE TERRIBLE AND SHOULD BE AUDITED.
Product: Credit card or prepaid card

On XX/XX/XXXX my childs XXXX posted to the card. I paid my light bill. Then 2 days later I tried to purchase something at a store and it declined it. It wasn't but an 8 dollar purchase and I knew I had over XXXX on there. So I called to check the balance and I entered in the last 4 of my card number like it asked. Only this time instead of asking for my pin it asked for my 16 digit card number or social security number. I enter that in and it puts me on hold. And automated voice tells me high call volumes and wait time is over 45 minutes. I wait on hold for an hour and 20 minutes then the phone goes silent and im disconnected. Im raging mad now so I call back. Same scenario, I wait and wait for over an hour and phone goes silent and it hangs up. I have done this every single day, at different hours of the day with this card company Direct Express. I have not yet, after a week, gotten to speak to anyone on the phone. They are holding my money and my info hostage and not giving any of their card holders much info. I have XXXX this issue and its happening to soo many people. Some are being evicted and some are getting lights cut off bc they rely on this money. I'm lucky enough I have some money to back me up but all those others lives tossed upside down because of this company. I'm also sending this to the news crews around here. I have filed a complaint with the XXXX. I can't log into my online account. It says those credentials aren't correct when I know they are. This isn't just an uh oh they get to ignore us all problem. I need answers and I need my money.
Product: Mortgage

I truly believe this event does not reflect my credit worthiness. I have always paid my payments on time. Nor do I believe this event reflects your companys values. 
XX/XX/2022 I received a change of service notification.it was 2 months late in me receiving the letter. Homepoint did not show my payment for XXXX till XXXX therefore showing a late payment.this was due on their end.they changed loan numbers. The letter with this information did not come to me till XXXX. The letter was mangled and has been delivered to a wrong address. I have tired to have this one negative removed. I have always paid each month. The Homepoint representative XXXX had her mind made up. She just going on and on about the post officeAlso she kept saying she was just following what the credit bureaus require.well, they are not requiring anything from Homepoint but information that Homepoint supplies to them.. 
XXXX I feel was not neutral in her quest, that her tone represented that You already have copies of the letter..
Product: Student loan

I 've been trying to submit at economic hardship deferment since XX/XX/XXXX and have sent them via email my paperwork including pay stubs. I gey a receipt that they 've received it but when I call they have no record of it. I 've also usually made my payments using my debit visa ans apparently that 's changed because 2 payments ( with interest added of course ) were rejected and I was told over the phone I have to use my routing and account numbers. XXXX is an awful customer service rep. She set up a second deferment/forbearance request but could n't or did n't access my pay stubs and now my loan is in default. If there 's a way to consolidate my XXXX loans into XXXX with another company I 'd be willing to pay a higher interest rate because ACS is a TERRIBLE company to deal with and their people either do n't care or are n't trained well or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me..  XXXX XXXX XXXX XXXX.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Product: Money transfer, virtual currency, or money service

i tried to set up a XXXX XXXX account for purposes of trading crypto currency and TD Bank blocked me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX ; XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had amazing credit until recently when XXXX reported that I was past due on my payment some time in XX/XX/XXXX '. When I received an alert saying my credit score had dropped I was dumbfounded to learn that my car loan company was claiming I had not made a payment in two months. Upon checking my account through their app I learned my scheduled payments were no longer being applied for reasons even they could not explain so in XX/XX/XXXX ' I promptly brought my account current and while disappoint it had negatively impacted my credit score I assumed responsibility and made sure my correct card info was there and that I'd get alerts should parents not post going forward. Well it happened again for XXXX. To summarize I'm paying my car note from the same account I've been paying from for the last year and despite the funds being fully available and them confirming per their app payment was posted only for several days later to be returned unpayed without any notice or attempts at contacting me either by phone or even an automated alert to which I'm signed up for leaving me to not see this until I am paying the following month. When I contacted XXXX to gain insight on the matter ( sidenote : I had also been having concerns due to the fact I'd been receiving notices someone accessed my account with my login info when I had not logged in myself ) the representative admitted they had been having issues with alerts and could not give me a reason why they were not sending any email or calls about it and that I'd have to dispute the late payment reported on credit. Well I did dispute the first one and didn't get a clear reason why it hadn't been removed. I'm currently trying to buy my first house and obviously this should be detrimental to the ability to qualify for a loan to do so which has already been a struggle for other reason I'm dispute on another claim. It's clear from my bank statement the funds were available to make the payments and recording from XXXX acknowledging them being unsure why it didn't go through either and the representative inability to remove the late payment status as well.
Product: Checking or savings account

Good afternoon I bank with Alliant credit union Ive been using them for a while this is where I get my paychecks and take care of my bills I deposit a check for XXXX about 2 weeks ago they restricted my account overall I am not able to access my funds or anything I called dozens of times and they refused from talking to me I was reimbursed from a local business here in my town I went there and talked to them and they said its not anything wrong with them because the money was taken and verified through them.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Resolution Team, I am writing to formally dispute the continued reporting of an account associated with XXXX XXXXXXXX ( Account Number : XXXX ) on my credit report. This account is subject to a cease and desist order, which has been placed on this creditor, mandating that they have XXXX communication with me, the consumer, through all mediums, including consumer reporting agencies such as Experian. 

The cease and desist order legally prohibits XXXX XXXXXXXX from communicating with me in any form, directly or indirectly. By continuing to report this account, Experian is inadvertently participating in a violation of this order. As such, I request that Experian immediately delete this account from my credit report to comply with the terms of the cease and desist order. 

Please consider this correspondence as my formal dispute and demand for the removal of this account. The continuation of this account on my credit report, despite the cease and desist order, constitutes a violation of my rights as outlined under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I expect a prompt resolution to this matter. Please confirm in writing that this account has been deleted from my credit report ( attached is the received letter from XXXX XXXXXXXX confirming the notice of cease and desist order received.
Product: Credit reporting or other personal consumer reports

I ordered my Experian credit report to check for my inaccuracies and have found an address that does not belong to me. I started a dispute online and was instructed to call Experian directly. In which I did. A representative told me that he was unable to remove the incorrect address because a creditor was reporting such address. I am now forced to explore our avenues to remove the incorrect address. I have attached my true accurate address as proof of my residency in accordance with my Experian credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

First of all I would like to say that I enjoy being with your company and the service that you provide. I have been with your company for a while now ; you have always treated me right. In the past, I ran into some personal issues that caused my account to be late multiple times. I accept that fact, and Im not disputing this debt at all. I just need your help as these late payments are hurting my score and preventing me from getting approved for what I want. I have been paying on time for a while now, but my score is still suffering. If possible, can you please forgive the late payments as a one-time courtesy so I can get my financial life back? This would really help me and my family. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Common wealth financial services continues to flag my account... 
They have continued to do this even after XXXX of there accounts was removed from my report ... .I need them to take this XXXX of my report as well
Product: Debt collection

R S and Clark collection is not mine please have it remove and delete from my credit report I never heard of this company
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( 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. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up of Complaint XXXX. 

Transunion had updated XXXX the balance to XXXX, thanks to you. 

But they have not changed the payment history for all those invalid lates that they are obviously guilty of placing. We all know payment history is 35 % of a consumer 's credit score, those lates from XXXX Account number # XXXX, is still affecting my credit profile in a negative way today. XXXX also saying my paid of car note is charged off, which obviously incorrect ( i will repost the evidence ). XXXX went ahead and deleted the account. 

I thought would beneficial for me in the long run to pay of my autos to have great comparable car credit. Transunion XXXX and XXXX made this a bad experience due to the fact that they FAILED AT DOING THEIR JOBS. We have our lives to live, we can't be worrying about the credit bureaus not doing their jobs, its Emotional damaging. 

I would rather they remove this account so i don't suffer anymore damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ( XXXX ) XX/XX/XXXX XXXX  XX/XX/XXXX. XXXX XXXX/XXXX XXXX XX/XX/XXXX. XXXX   XX/XX/XXXX. I have called many times to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victom of identity theft I wouldnt wish this on anyone. This has cause me much frustration and stress which has taken a major toll on my personal life. I've spent countless hours trying to work with credit card company and bank to coear any issue but still this has left a negative dent to my personal credit. I even sought after a credit counselor and Identity theft agency which is very expensive. I now understand the importance of maintaining a close watch to my crefit reports. I would love to get on with my life free of negative marks on my credit reports. To have this matter clear once and for all with greatly be appreciated. These inaccuracies happened during the year of 2020 and amounts totaling more than {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed errors on my credit report with experian. On XX/XX/XXXX. I disputed that I had not made payments on this account ( I have been making payments since XX/XX/XXXX ). I also disputed that the account was still open not not paid off in full which it was XX/XX/XXXX. No action to remove the missed payments or to show that the account was closed occurred. I uploaded additional documentation showing that I've made payments since XX/XX/XXXX monthly until XX/XX/XXXX when the account was paid off. The original creditor was the U.S. Department of Agriculture as a government overpayment ( original amount {$7700.00} and they sent my account to collections thru Pay.gov. I have been making all payments thru Pay.gov and on XX/XX/XXXX I paid off my debt with them. I just want to information to be updated so my credit can be an accurate reflection of what has occurred.
Product: Debt collection

On XX/XX/year> I disputed a {$890.00} debt in collections for sunrise credit service that didnt belong to me on XXXX. I do not owe the debt and never received any written letters of trying to collect for the outstanding amount.
Product: Debt collection

My family share plan with XXXX started XX/XX/XXXX. XXXX lines, XXXX,XXXX,XXXX,XXXX. XXXX lines out of XXXX had expired contract ( no contract binding ) and the other would have expired XX/XX/XXXX. XXXX had offered me free phones with a 2 year contract renewal, but the phones they sent us were not what we expected so I returned it with in the 14 days. We had no service with XXXX as of XX/XX/XXXX. But XXXX decided to charge me for XXXX cancelled contracts for XXXX phones ( XXXX. X XXXX = {$680.00} ) which were returned within the time limit. 
XXXX then had sold the false debt to Pinnacle ( debt collection agency ). I contacted XXXX, spoke to XXXX XXXX and Supervisor XXXX but they said they can not do anything about this because they sold it to Pinnacle collection and I should dispute it with them. Pinnacle said they can not do anything about it and that I should go to XXXX. XXXX SOLD A FALSE DEBT TO PINNACLE TO PUNISH ME BECAUSE I LEFT THEIR COMPANY AND WENT TO THEIR COMPETITOR XXXX on XX/XX/XXXX. Receipt attachedLINE ENDING XXXX CONTRACT ENDED XX/XX/XXXX. Contract was cancelled 4 months before expiration date. Charges should have been prorated. ( XXXX x XXXX = XXXX XXXX XXXX not only sold a incorrect debt to Pinnacle but report and damage my credit for four years plus. If they had sent me a bill for XXXX, I would have paid it immediately. Please stop this cheating company from cheating the average people of our country. 
Thank you
Product: Credit card or prepaid card

I am in the process of getting a mortgage and I do not believe I was ever late on this account. I certainly wouldn't be late during this process, especially during the final stages! 

30 days late in XXXX, and 60 days late in XXXX! 

How dare Victoria 's Secret report that, I have never been late, please look into the past payment history of the account! My only thought is that my statements never made it to me!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for unlawful and egregious violations of the Fair Credit Reporting Act ( FCRA ) in handling my credit report, following my identity theft case. Despite providing all necessary documentation, Experian continues to report fraudulent information, including unauthorized accounts, addresses, and personal identifiers, in clear violation of federal law. 

Additionally, Experian has made threats to reinsert these fraudulent accounts back into my credit report, even after their removal, which further exacerbates the harm caused by their mishandling of my identity theft case. 

Summary of the Situation : FTC Identity Theft Report Notarized Affidavit of Identity Theft Government-issued ID and Social Security Card Bank Statement for proof of identity and address Despite providing all of the above documents, Experian has XXXX to remove the fraudulent accounts, unauthorized addresses, and incorrect names from my credit report. This failure is causing ongoing financial and emotional distress, and Experians inaction is a blatant violation of my rights under the FCRA. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( a ) Block of Information Resulting from Identity Theft : Experian is legally required to block fraudulent information from my credit report within four business days of receiving my valid identity theft report and supporting documentation. Experian has not complied with this requirement, continuing to report inaccurate and fraudulent information.

15 U.S.C. 1681i Procedure in Case of Disputed Information : Experian has failed to conduct a proper reinvestigation of the disputed information, despite my formal dispute. They are required by law to complete the investigation within 30 days and remove inaccurate information. However, Experian has repeatedly failed to meet this obligation.

15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy : Experian is obligated to maintain accurate information on my credit report. Their continued reporting of incorrect names, addresses, and accounts is a violation of this section, as they have failed to follow reasonable procedures to assure the accuracy of the information they report.

Fraudulent Information on My Experian Credit Report : Incorrect Names Incorrect Addresses Unauthorized Accounts These accounts and personal identifiers were not authorized by me and are a result of identity theft. Experians refusal to remove this fraudulent information from my credit report is not only unlawful but also causing significant harm to my financial well-being.