23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I checked my credit score with Experian ( as I do daily with every bureau ) and noticed that it had dropped by 15 points. One of the negative factors displayed was a recent missed payment of '1 month ago ''. 

On XX/XX/18 I called the Experian Dispute center to question the information because my report does not show a missed payment since XX/XX/2018. The agent informed me that in XX/XX/2018, when I paid the full balance of a closed XXXX XXXX ( XXXX ) account ( over {$6500.00} ), it was reported as a 'paid, charge off ' and that the " credit reporting system automatically counts that as a late payment ''. I expressed my dissatisfaction and concern with that answer and the agent advised me to start a dispute with XXXX, which she initiated on the phone for me. 

On XX/XX/18, I received a notification that the dispute was settled, so I logged into check my score and saw that it had dropped another 13 points. I saw that now one of the negative factors said that I have a recent missed payment of " 0 month '', or as of the day the dispute was settled and the account was updated. 

On XX/XX/18, I first called XXXX to see if they could change the charge off status of my XXXX payment, and they informed me that they could not. I then called the Experian Dispute Center and explained to the agent how it is both unfair and inaccurate that now that the XXXX account has an update of XX/XX/2018, their algorithm thinks a missed payment was reported on that date, and my score suffers the consequences. The agent did not offer any assistance other than sending me a copy of my report, which I already have. 

My issue is with Experian and their credit reporting algorithm. My FICO score with Experian is 82 points lower than my XXXX score and 54 points lower than XXXX. This has been consistent for several months now. There is clearly a discrepancy with their system and I, a paid customer, am suffering the consequences. Relying on and blaming an algorithm, as the agent did, is an insufficient and, frankly, cowardly way to handle customers. Unfortunately, I will not cancel my membership because I have to know what my Experian score it because some credit companies only use that score to determine eligibility. This is a unfair and unfortunate trap.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged accounts removed from my consumer report. Equifax, XXXX and XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an XXXX XXXX report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX  XXXX  XXXX BALANCED {$590.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$1100.00} XXXX XXXX XXXX XXXX BALANCED {$420.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$5300.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Mr. Cooper is responsible for disbursing an insurance claim settlement made due to flooding with Hurricane Harvey. My total claim is {$190000.00}, and Mr. Cooper so far has disbursed {$58000.00} including {$20000.00} disbursed only after a previous CFPB claim. I have uploaded nearly {$80000.00} of receipts for repairs done and previously Mr. Cooper would not release more that {$37000.00} of my settlement ( which represented less than my insurance advance ) until the CFPB helped out. 

I have now reached 50 % completion of repairs to my house. Mr. Cooper previously assured me that they would release 50 % of my settlement once inspection revealed that I had reached 50 % completion. This inspection was done and certified on XX/XX/2018. I have been expecting then {$190000.00} / 2 -  {$58000.00} = {$39000.00}. However, Mr. Cooper has found excuse after excuse to not release my next disbursement. Despite certifying that all of my documentation was complete in XXXX and disbursing money previously, they have overlooked updated contracts, asked me to re-upload documents numerous times, and denied requests that are based on obvious errors on their part. Every time they make a mistake and ask me to re-upload documents, it takes an additional 48 business hours to review. They have thus been able to delay for now over 2 weeks an additional release of funds that they assured me would have no issues. 

This company is absolutely preying on natural disaster victims and should be heavily reprimanded as such. By no means is my experience unique -- just do a web search for Nationstar or Mr. Cooper and see how many complaints are raised about their company. They constantly use an excuse that this is all due to " government regulation '' but no other mortgage company ( and I know the stories of dozens of my friends who flooded ) has given so many roadblocks to releasing Harvey settlements.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries please remove these inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

The account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : Shellpoint Mortgage Service XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Line Item : XXXX XXXX XXXX, XXXX XXXX Attn : Research Dept., XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this information several times with the disputes department at XXXX and Shellpoint Mortgage Service. The information will be corrected and then re-aged again. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX XXXX & gt ; XXXX & gt ; XXXX XXXX gt ; Shellpoint Mortgage Service then re-added to my credit report and now re-aged. This is a fraudulent practice.
Product: Checking or savings account

{$900.00} was taken out of my Checking account Through XXXX. I do not know who that person is. 
XX/XX/2020 QuickPay with XXXX payment to XXXX XXXX XXXX XXXX Till this day Chase have not given back my money! I already filed a complaint. Apparently this has been happening to a lot of CHASE Customers!
Product: Mortgage

Wells Fargo bank is continuing to attach late fees onto my mortgage each month for a single rolling 15 day late payment on an amortizing negative amortization ( the only amortizing " bi-weekly '' neg am '' loan in the market at the time we got the mortgage, which was over 5 years ago and originally initiated by Wachovia Bank and purchased by Wells Fargo ). This late payment happened more than two years ago. In essence, they are compounding monthly interest on that single rolling late. I already know this is an illegal procedure. In addition, my loan " note '' calls for a grace period on the mortgage payments which are due and payable every other Friday. According to a report from my employer which is a large national mortgage company, Wells Fargo is recently reporting late payments to other lenders and major credit bureaus that I 'm working with. Our mortgage payments are not late which we can prove because we pay everything electronically. This too is completely illegal and an attempt to hold me in a predatory loan by preventing me from re-financing out of it which is what I 'm attempting to do and will do in spite of this horrible banks shenanigans. Wells Fargo is the most despicable organization on the planet in my opinion and worse than XXXX in my opinion because XXXX at least claims to have a cause that is not tied to " make money at any cost '' as its sole motivator. Additionally, I would urge anyone in the country with a Wells Fargo mortgage loan to demand a written payment accounting from Wells Fargo and to assess all late payment charges if they have any. 
Update : I went to Wells Fargo Bank and they admitted they were not aware of my loan note requirements. They stated they would stop accruing late charges and would follow the loan note mandates and call me to rectify. This was one week ago and so far, I have not heard from anyone at Wells Fargo that has promised to keep me updated, including the Wells branch loan manager who also promised to e-mail me an update.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and request an investigation regarding a collection account inaccurately reported on my credit file by XXXX XXXX XXXX XXXX. This erroneous reporting has caused significant harm to my credit score and financial well-being. 

Despite repeated attempts to resolve this issue directly with XXXX XXXX XXXX XXXX, they have refused to acknowledge the error or remove the incorrect collection account from my credit file. The account in question does not belong to me, and its inclusion on my credit report is unjust and damaging. 

I am requesting that the Consumer Financial Protection Bureau intervene and investigate this matter promptly. I urge you to take appropriate action against XXXX XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for the harm caused by their refusal to remove the inaccurate information from my credit file. 

Furthermore, I am prepared to seek legal representation if XXXX XXXX XXXX XXXX does not immediately remove the incorrect collection account from all three major credit bureaus. This erroneous reporting has had severe consequences for my financial reputation and has unfairly impacted my ability to access credit and financial services. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and resolution.
Product: Mortgage

Nationstar Mortgage raised our monthly payment $ XXXX/mo. 
Our mortgage insurance was due to drop off XX/XX/2016. Instead of lowering our payment they jacked it up with the intent to force us into a refinance situation!
Product: Credit card or prepaid card

Company does not allow consumer to dispute pending transaction & forces consumer to call when disputing any transaction Company website states I am pre-approved for Quick Silver Card & Representative unable to convert or approve for said card per conversation on XX/XX/19 After conversation, offer disappeared from Dashboard ( next to 'credit score ' )
Product: Checking or savings account

I opened a personal account with Chase Bank and add it my access funs Investments and they close my account and said I never had a but I have pictures of me logging back in my account and it said Then I have to call customer service For my code to log back in and when I called them they said my account is not exist under my social security number that I gave them so I have to follow up and go into a Chase branch.
Product: Credit card

I disputed a charge on my Discover account because the service was not provided. As a result the problem that I had them out for occurred again costing thousands of dollars and resulting in my contacting someone else to come out and fix the problem and I paid them for the service they performed. I offered to provide my credit card company with proof but I was told they did not need documentation at that time and if it was needed they would reach out and request it. 

On XX/XX/2023 I noticed the charge that was disputed was placed back on my account. I spent approximately 90 minutes on the phone discussing this. I was told the dispute was closed in the merchant 's favor and i was placed on long holds while they reviewed the notes so they could figure out what was going on. I initially spoke to XXXX who gave me attitude at one point, and was having a problem answering my question. I never received anything in the mail or via email about this dispute. So I found out the dispute was closed and ruled in the merchant 's favor when I called. XXXX asked me if I received the notification sent. I asked how it was sent. She placed me on a long hold came back and never answered me. After realizing she was having issues explaining what was going on i asked if I could speak to a Supervisor. She placed me on a long hold and came back and told me one was not available and she could have someone call me back. My main issue with her is that she raised her voice at me on the call which I took issue with because she was unable to answer questions and provide customer service. 

I attempted to call again about the same issue. I was transferred to a couple people before I got to XXXX ( I am not sure if this was her name ). XXXX told me that I would have to contact the merchant and have them agree to refund me. I explained that I had contacted the merchant before even filing the dispute. What she was saying to me made no sense. I explained that I had information to support my case but you closed my case and ruled in the merchant 's favor without asking for it or considering it. She was unable to respond to why my information wasn't being considered. After going around in circles with her I asked to speak to a supervisor. She said one wasn't available and she could have someone contact me in 48 hours. I asked her name and she disconnected the call. This is why I am not sure of her name. 

I was trying to address this before paying my bill. Since I spent a lot of time on the phone and was unable to get it addressed, I paid my bill minus the {$99.00} disputed amount. I will not be using my card anymore until someone contacts me back to discuss this and hopefully resolve it. I am finding the explanation I received incomplete and unreasonable and I would like my questions answered by someone in charge. This has been a horrible experience and a waste of my time.
Product: Mortgage

Carrington Mortgage Services took over servicing my mortgage, I paid extra every month and for the 1st several months ( 3ish ) they applied the extra to the principal of the loan, then in XX/XX/2017 they recalculated everything and used the extra money to apply to future payments they sent my statement claiming I was late on my payment and over due by {$45.00}! I called them and in XXXX I got them to revers this and reapply the extra money back to the principal of the ( VA ) Loan. I asked for a pay off statement and had XXXX send Carrington a " Bill pay check '' for the full amount. They applied it as a normal payment so I called. 3 different Carrington employees went through the issues with me and said they would " take care of this issue an I should consider my mortgage paid in full '' and that the Escrow balance would be returned to me. XX/XX/2017 I received a call from XXXX on my answering system. I called Carrington and XXXX could not be found, I was informed that I would need to make yet another payment because they did not consider the XXXX bill pay check " Certified '' I spoke to a supervisor and informed him that 3 of their employees had said that my mortgage should be considered paid in full, he said he could not follow through with that and I could send a letter asking them to use my Escrow balance to pay the loan. I asked for a new pay off to be sent and he 1st said I would have to send a letter to request this. They currently say my payment is over {$500.00} but the last bill they sent me shows the principal to be {$250.00} ( XX/XX/2017 ) and the escrow to be {$340.00} and Total Amount Due {$640.00}. The math adds up to theft! 
I 'm waiting for a new pay off statement so they can rip me off again! The lender has huge numbers of complains DO SOMETHING!
Product: Vehicle loan or lease

My vehicle, purchased through Credential Acceptance Corporation, located in XXXX XXXX California, has been inoperable since XX/XX/XXXX and I attempted to work out a deal with the finance company,  Credential Acceptance Corporation, to pay it off at a lower rate due to the excessive amount in repairs preformed on the vehicle since day one. They denied my request to deduct {$1000.00} from my {$2000.00} balance back in XX/XX/XXXX. I called today XX/XX/XXXX to again attempt to pay off my loan, this time in the amount of XXXX from the {$1800.00} that is still owed. Office Manger XXXX at Credential Acceptance Corporation accepted that offer and provided me with their account number. When I asked the office Manager XXXX if she can email me that approval as a confirmation she stated No, they do not do that. I need to put the money in the account and they will close my account. I explained to her that that is a large amount of money and I have every intention of making my payment, I just do not feel comfortable depositing that amount without an email confirmation. She went on to say, very rudely we do not email anything and if you do not trust us, then we do not trust you and you can pay {$2000.00} to clear my account and she hung up on me. This behavior is extremely unprofessional and I have had previously had my vehicle wrongly repossessed in XX/XX/XXXX, after speaking with XXXX and she became upset with me regarding payment. I would want not more then to rid myself of this finance company, but their actions are very concerning. I understand my faults but theyve sold me a vehicle that has had an abundance of repairs in my 2 and a half years of ownership.
Product: Mortgage

I have a conventional home loan that was transferred to Specialized Loan Servicing for handling and loan processing. I made one or two payments and when I went to make this month 's payment just now their website is completely down and their phone numbers aren't working. I'm trying to pay my mortgage and there is no way to reach anyone.
Product: Credit card or prepaid card

I disputed a charge with my credit card company Capitol One for a prepaid package of services that I never redeemed. I filed the complaint in XX/XX/XXXX and uploaded the records to the link provided. In the new year I received a letter requesting additional information I faxed all the records I had including the email receipts, the text thread from my phone and a statement explaining the details of the dispute. Capitol One placed the burden of providing proof solely on me which I did provide on two separate times ( uploaded & faxed ). Capitol One never required the vendor to provide proof the services were provided, they never even contacted the vendor. 
Capital One never placed the burden of proof on the vendor. I provided compelling information with dates and emails from the vendor demonstrating she cancelled and reschedule services without providing options to reschedule. I'm requesting Capital One refund the full amount of {$440.00}. 
XX/XX/XXXX after using the last XXXX  from a previous package I had purchased I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXX  of 3 from XXXX by XXXX XXXX. I scheduled an appointment for XX/XX/XXXX and XX/XX/XXXX I received an appointment cancellation notification. On XX/XX/XXXX I scheduled a facial for XX/XX/XXXX. I received an notification on XX/XX/XXXX that my appointment was rescheduled. I then received subsequent emails about the XX/XX/XXXX appointment being rescheduled and the postponed reopening. I didn't receive any further emails regarding updates on the reopening or how to redeem my services or redeeming the pre-paid money for the services. XXXX, the vendor and would text occasionally and I would ask when I could reschedule and I even offered to connect her with a commercial realtor to help find a location. On XX/XX/XXXX I text her about my prepaid services and how to reconcile, XXXX never responded to my text. I spoke to the owner of the spa studio XXXX rented from. XXXX XXXX informed me XXXX owed her several months of rent and many of her other clients came looking for XXXX too. 
**As of XX/XX/XXXX I received a response from XXXX by XXXX XXXX on XXXX and she indicated she is currently working. Please see the XXXX XXXX attachment. 
( The former spa studio that XXXX by XXXX XXXX owes ) : XXXX XXXX XXXX : XXXX Email : XXXX Last contact for XXXX by XXXX XXXX XXXX, XXXX, XXXX,
Product: Debt collection

On XX/XX/year> I visited with XXXX XXXX to tell her my mom had XXXX and I needed to leave the lease early to take care of her, she said this was okay. Well apparently not because they charged me {$3300.00} and it hit my credit report hard, the house was spotless when I left it. Yet they are charging me. It's been on 6 years not which is the maximum for a hit to be on my credit report for the state of Colorado. 

Fair collections and out is trying to collect this debt. This is very unethical seeing how I was told I was able to get out of my lease early. I tried disputing the report but they declined it without reasoning.