23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred to Mr Cooper in XX/XX/XXXX- formerly serviced by XXXX XXXX. Mr Cooper erroneously sent me a refund of my escrow account in XX/XX/XXXX upon my loan being transferred from XXXX. Knowing how incompetent and fraudulent Mr Cooper is, I contacted them to ask about the check ( {$790.00} ck # XXXX date XX/XX/XXXX ). The service rep with Mr Cooper explained they made a mistake and if I were to cash the check it would bounce. I immediately asked for my escrow account to be closed, refund the account funds and allow payment of taxes and insurance to be paid by myself, the mortgagor. On XX/XX/XXXX, I received a letter from Mr Cooper they received my request and would respond. On XX/XX/XXXX I contacted Mr Cooper and confirmed over the phone that the escrow account was removed and a refund of {$1100.00} was mailed to me. I deposited the check of {$1100.00} on XX/XX/XXXX. Today, XX/XX/XXXX, I received a notice from Mr Cooper that I have an escrow shortage and my new monthly payment will now be {$730.00}, which includes escrows in the amount of {$78.00} plus a shortage of {$39.00}. My monthly principal and interest payment is {$610.00}. How do I have an escrow shortage and escrow payments if Mr Cooper removed my escrow account and refunded the escrow balance? Someone with authority needs to investigate Mr Cooper for fraud, for incompetency, for misapplication of funds, for charging borrowers fees that should not be charged, for basically being a company that is doing WRONG and not right. I experienced similar issues with Mr Cooper ( fka NationStar ) over 10 years ago. I had been making extra payments and they did not apply them to my mortgage- rather putting funds in escrow. They also reported me as late pay numerous times which resulted in a negative impact on my credit. It was not until I refinanced in XXXX with a new lender did my credit improve - instantly. I filed a complaint back then and of course big companies pay no fines, do no right when they do wrong and everything is swept under the rug for consumers to deal with the aftermath. Mr Cooper ruins consumers credit and in this case is now illegally collecting escrow funds when they have no authority since my escrow account was dissolved by Mr Cooper. Taxes and Insurance should no longer be collected with my principal and interest payment to Mr Cooper, I the consumer are solely responsible for making payments of taxes and insurance on my own. Just look at the confusing documents sent in a matter of 3 months - can you make sense of it?? What do you think the average consumer thinks the monthly payment is? And if they don't pay the correct amount guess what happens ... Mr Cooper slaps on late fees. Mr Cooper is incompetent of handling a basic mortgage collection of funds - confusing consumers by sending multiple documents and statements all reflecting different mortgage payments amount. Mr Cooper sets up consumers to default or make inaccurate payment amounts.
Product: Student loan

Basically, the account has been mishandled from the beginning, terms werent clear. I feel the loan was deliberately prolonged in order to assess more fees and interest. I am leery as to making any type of agreement. I dont believe my case is being handles without prejudice and the information is incomplete or inaccurate. I am currently a XXXX XXXX XXXX and this is effecting my progress. There have been more attempts to collect and little to no attempts to resolve or settle. I am conserned the school i was attending misappropriated funds or even neglected to return proceeds ; Without my knowledge or consent. The debt is 12years old.
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 15 USC 1681. Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account Number XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name XXXX XXXX XXXXXXXX Account Number XXXX XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX XXXX Account name : XXXX XXXXXXXX Account Number : XXXX XXXX Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : 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: Debt collection

I have been trying to apply for auto loans thinking I would be sorting through a bunch of offers deciding on the best  one. For days I kept getting rejection notices. Finally, one of those gave a reason ... my credit score  is over  XXXX  points lower than it should be. I immediately applied for a credit report. After analyzing the report I found an old  XXXX  account that has been trying to collect {$120.00} that was paid years ago. For the past 3 years they have been reporting to my credit report that I am delinquent on it without any notification to me. I no longer have any record of this payment since this is from 3 years ago. I have spent hours on the phone with  XXXX  and they keep giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reportina act XXXX Account #. XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv written instructions
Product: Credit reporting or other personal consumer reports

i have contacted experian XXXX and XXXX to remove fraudulent collection accounts From my credit file to no avail. I have submitted the ID Theft reports going back to XXXX and earlier and the accounts continue to reappear on my reports after they were previously removed. there should be no collection accounts or delinquent accounts on my credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

They pull my credit too many times without my knowledge, I want its deleted from my account, with had negative impact on my account and my life. I want this fix erase and deleted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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: Student loan

I applied for teacher loan forgiveness. I believe it should have been granted. Then I applied for a forbearance. It was accepted. They then said that I applied for a IDR plan. I did not apply for it, I did a payment calculator. They then changed my plan to an IDR plan. I called and told them that I only wanted the forbearrance for one year and then I could make regular payments. They told me the issue was resolved. XX/XX/XXXX I get an email telling me that I need to resume payments starting in 5 days for the full XXXX dollars a month. I have tried to email and call about the issue and no one is getting back to me. Below is a list of the documentation XXXX Change in Loan Terms Change in Repayment Terms XXXX Your monthly statement is ready Monthly Statement XXXX An in-school deferment has been applied to your account Deferment Request Approved XXXX Change in Loan Terms Change in Repayment Terms XXXX Your IDR plan has been approvedDetails on your newly approved IDR plan XXXX Change in Loan Terms Change in Repayment Terms XXXX Your forbearance has been approved Forbearance Request Approved XXXX Here 's your forbearance form Forbearance Request XXXX TLF Application Denied Teacher Loan Forgiveness Application Denied ( should have been accepted ) XXXX TLF Application DeniedTLF Application Denied - Corrections Needed
Product: Debt collection

I have an outstanding bill with this company. That was never my responsibility. During former disputes I requested debt verification that was never given to me. I also advised the original creditor that the hospital bill in connection with her services where paid in full by the state of Illinois. ( Can provide proof upon request ) she straight out refused to bill XXXX and I never received a bill from her for her services. I also never received a bill from this company before I was submitted to the credit bureaus. There reporting reported once a month adding about XXXX dollars to the collection which I did not agree to nor was I advised. XXXX XXXX recently sent a letter to this company which was returned to my address. They sent debt verification to my house with the original contract and bill from the original creditor this will be sent to the state of Illinois tomorrow. Now with them adding money to the bill it came out to XXXX but on what they sent me and now on XXXX it shows XXXX as in picture down below. I 'm not sure this is legal as I did n't sign for them to do this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported on my credit report with out permission. 
15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights. 

15. U.S.C 1681 section 602 A. States I have 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: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the deletion of inaccurate information from my [ credit report/account/profile/etc. ] with your organization. 

Details of the inaccurate information are as follows : Reason for Inaccuracy : XXXX LATE PAYMENT ON FILE XX/XX/2021 XXXX LATE PATYMENT ON FILE XX/XX/2021 I AM requesting the deletion of the inaccurate information from ALL XXXX CREDIT BUREAUS Thank you for your assistance in rectifying this issue. 

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

Company is reporting inaccurate information. 
Account name : XXXX XXXX Account # XXXX High credit is lower than balance, delete account for inaccurate reporting Account name : XXXX XXXX Account # XXXX Account is being reported with an inaccurate date of last payment therefore restarts the statue of limitations There is a violation in accordant to 15 USC 1681e ( b ) ensuring maximum possible accuracy
Product: Credit reporting or other personal consumer reports

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account XXXX XXXX XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the XXXX federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Debt collection

I noted a collection account on my annual credit report and contacted the company by mail on XX/XX/18 inquiring about this transaction. The letter was returned. 

I sent another letter via certified mail on XX/XX/18 and the letter was returned on XX/XX/18.
Product: Checking or savings account

On XX/XX/XXXX Bank of America contact me and stated there was a possible fraud charges within my account, they asked me if I opened two claims on XXXX XX/XX/XXXX I said no..later that day they informed me that they decided to close my account and will contact me with further information and that at the time I was unable to receive my funds in the account. They trn revered all of my payments returning them as insufficient funds and charging me for that although the money was in the account. They stated they will return my funds via cashiers check on XX/XX/XXXX, th. They then sent me a letter XX/XX/XXXX th stating that they will no longer accept my direct deposit, and they did and now I can't get those funds. After they sent me a letter stating that the claim that I told them I did not make was in review and the merchant has 45 days to respond to the claim. On Tuesday XX/XX/XXXX I contacted the claim center and they closed both claims one of, {$990.00} and the other for {$2000.00}. I owe them nothing, I was a victim of the fraud. This is running my credit, my bills have not been paid because they are holding my paycheck waiting for the XXXX day to return it back to my job. What they claimed that was being done in my account, they are the one who appears to be doing a crime. They stated on XX/XX/XXXX that they will see if they can have me get my funds sooner, but I don't think it includes my newest direct deposit. They have no legit reason on why they have held my funds for so long. No one ever told me the claims were still opened. I need my funds immediately, I have incured late fees from creditors as well as BOA although they have my .money i don't know the amount that they owe me due to me no longer having access to that account. Please help me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax. delete all invalid data asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit report with Transunion dropped XXXX poiints with ALL THE SAME CREDIT ISSUES that were THERE on XX/XX/2022, except for a POSITIVE MOVE, a Credit card balance was paid {$99.00}. 

HOW can a credit SCORE DROP with ALL THE PREVIOUS ISSUES ON IT FOR MONTHS, when I PAID A BILL DOWN????? 

THis is NOT THE FIRST TIME THIS HAS HAPPENED,... 

SOmething needs to be done about them screwing over people because their algorithims are messed up in their systems,..
Product: Credit reporting

I have submitted information that proves that fraud affected my account and have asked that the activity was removed. I got a response from XXXX and they removed the activity, but not from XXXX and TransUnion in a timely matter resulting to me not being able to get a house for my family. I 'm very disappointed and really need some results.
Product: Credit card

I was involved in an accident ( on XXXX XXXX, 2014 - Claim # XXXX ) while driving a vehicle rented from XXXX ( case # XXXX ). XXXX has, until now, not given the necessary quote for storage, towing and repairs to my insurance provider ( XXXX ). The credit card company ( CHASE VISA ) which was used to pay for the initial rental has rejected my dispute claim and is demanding that I pay the amount of {$3400.00}. My insurance provider has an incomplete quote from XXXX and is claiming that they have a request for the same amount that XXXX is billing my credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage Services is reporting me late on XX/XX/20 through XXXX and I was not late. Due to the unforeseen circumstances surround the pandemic of Covid-19 I was severely financially impacted. I worked with PHH Mortgage Service through this and they knew about my situation. We decided that the best course of action would be to put my mortgage in deferment. However, I recently checked my credit and noticed that they have been reporting me late when I was specifically told that they would not report me late or file any negative marks on my credit. This is extremely disappointing as I trusted this company to help me out in a time of need. I ask they please remove the lates from my credit file. If I knew I would be receiving late notations on credit I would have come up with a different plan. Also under the federal mandate and CARE act late notations can not be filed during the Covid 19 pandemic. I am very disappointed and want to get this sorted.
Product: Checking or savings account

I am experiencing ID Theft since XXXX.A Con artist made a change of address without knowing at XXXX and started receiving my mails included new debit, check stuffs and new credit card at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CAXXXX  where the criminals uses as forwading address .After found out about ID theft, I treid to make corrections with XXXX, Banks and credit card issuer and seems like they are solved.Now I got an email from Chase bank this Morning where I have new checking and savings said my address has been changed again from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl,XXXX where I live now to XXXX 's address in XXXX XXXX XXXX, CA above. I have to call Chase bank to explain that I did not make change of address.
Product: Checking or savings account

I applied for SBA loan and they deposited money to my account but chase bank closed my account and hold the loan money and my personal money about 2.5 months, the SBA company told me this money is right and nothing is wrong and chase bank have to open your account but the chase bank told me you have to give us EIN number but I explained to them I don't have EIN number because I am a XXXX XXXX ( XXXX, XXXX ) and sole proprietor, chase bank wanted me to send all my documents such a tax papers, CPA later from lower, SBA approval documents and I did, anyway they don't accept to open my account. 

MY APPLICATION NUMBER ( SBA ) ( XXXX ) : XXXX MY APPLICATION NUMBER ( SBA ) ( XXXX  ) : XXXX
Product: Credit card or prepaid card

It is wrong for Wells Fargo to be able to submit incomplete or reports to this agency that does not tell the entire truth. An employee of Wells Fargo, XXXX XXXX wrote a report to me and this agency without doing the proper research. By this, I mean, she failed to listen to the all the phone calls. Why? Why would she be allowed to write an incomplete report and know that she did not listen to all the calls? Why would the company allow her to? The company finally admitted after several months that they made a mistake- this differs a lot from XXXX XXXX first report. Why? Why should this company be allowed to XXXX up - finally admitted to their mistake after I had to push and push for the right final result? Why should employee just be re trained or recoached? These mistake are honesty and integrity - things that can not be coached. The company for months denied by claims in my report but finally were forced to tell the truth and for that I get a XXXX XXXX XXXXXXXX for this. The companies response is yes we XXXX up but so what. This agency or any other federal agency will not really do any thing with us so the customer is XXXX again. The company should compensate me or offer me so token to make up for this mistake. If I make a mistake, Wells Fargo punishes me or makes me pay a fee for that mistake, but Wells Fargo just retrains their employees and this is that. Well, I am not happy with that upcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/2020 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020 XXXX/XXXX Reported : XX/XX/2020 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion,  Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, under the Fair Credit Reporting Act Section 609 I requested that Equifax provide me with information regarding items that was listed on my credit report from a company called XXXX XXXX XXXX. The information I requested was the source of the debt that was being reported on my credit. This request was received certified mail by Equifax on XXXX Equifax failed to provide me with the information that I requested within the 30-day period as prescribed by law. As of the present date ( XXXX  ) over a year later, I have not received the information that I requested. 
On XX/XX/XXXXXXXX I sent another request for Equifax to re-investigate this matter and to delete the disputed item with XXXX XXXX XXXX, as the company failed to send me validation of the debt, they had placed on my credit report. Equifax never responded, never reinvestigated, nor provided me proof/validation of the debt ; despite a year passing since my initial request. This letter was sent certified mail and received on XXXX 
On numerous occasions I have requested that Equifax to verify/investigate/delete this specific information on my credit report. Equifax has not complied, which is a violation of Fair Credit Reporting Act 611 ( a ) ( 7 ). I believe that Equifax is acting in bad faith as they have not complied with FCRA requirements.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns about multiple discrepancies on my credit report. After reviewing it, I noticed several inaccuracies, including incorrect account entries, billing inconsistencies, and accounts that do not belong to me. These issues are jeopardizing my financial security, and I urgently seek your assistance in addressing them.