23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to Mr. Cooper on XX/XX/2021 and the previous company I was with I did not have any issues. The letter I received from my previous mortgage company stated that if I wanted to set up an automatic payment with Mr. Cooper then I have to do it myself once it is fully onboarded in the Mr. Cooper system. I intended to pay Mr. Cooper using bill pay with my bank rather than setting up an automatic payment with them. As soon as I was able to access my mortgage account with Mr. Cooper I checked to make sure that I was not set up for automated payment but it showed that I was automatically set up for automatic recurring payment which I didn't sign up for and I did not provide them my account number. They already have my account number as soon I checked the payments which they probably got from my previous servicer. I tried to cancel the automated payment option but it's not getting cancelled online. I called Mr. Cooper and spoke with an agent, the agent said that she could not cancel it herself and I should wait for 24 hours before my account gets updated. I also told her to make sure that I did not want to get debited and that might bring my account to a negative balance and assured me that it would not happen. The next day my account was debited. And also that same day I still had the automated recurring payment showing in my account even after talking with the agent the previous today and after waiting for next day to clear things out. I called Mr. Cooper again and spoke with an agent and I told them that I was debited and I specifically asked the agent the day before not to debit my account. The agent magically was able to cancel the automatic payment. I also had to call my bank to stop the payment from going through and I got charged {$30.00} for the stop payment. The website is very suspicious as this does not allow you to make changes yourself I hope they are aware that this is happening or maybe intentional behavior to keep customers in automated payment method. I believe that Mr. Cooper should not make choices for customers to set up automated payments if this was not requested in your website. Also I did not provide them my account number and they should not be getting my bank account number without my permission.
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Product: Debt collection

AR Solutions is attempting to collect a debt that is PAID IN FULL -- -- -- They a scammers. Please remove fraudulent collection notices on my credit reports ... ....
Product: Checking or savings account

I am writing to formally file a complaint against USAA regarding a fraudulent charge made on my debit card. My debit card was stolen in the mail, and an unauthorized withdrawal of {$580.00} was made at a XXXX XXXX ATM in XXXX, NJ, on XX/XX/XXXX. At the time of the transaction, I was at my home, over an hour away. I have XXXX camera footage proving my presence at home during the time of the fraudulent transaction. 

Upon noticing the unauthorized transaction, I was promptly contacted by USAAs fraud team. I immediately informed them that I did not authorize this transaction. Despite this, USAA failed to conduct a proper investigation and denied my fraud claim without reviewing the available evidence. I also filed a police report regarding the theft and submitted it to USAA, yet no action was taken on their part. 

To further substantiate my claim, I request access to the XXXX footage from the XXXX XXXX ATM in XXXX, NJ, which should clearly show that I was not the individual who conducted the withdrawal. I believe that USAA has violated its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E by failing to properly investigate and reimburse me for the unauthorized charge. 

Please let me know if any additional information is needed. I appreciate your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the month of XX/XX/2017 I was given a late by 30 days from XXXX XXXX. There website was faulty and would not allow me to login to their portal to make payment before the due date. I would like this late deleted. There website was faulty and would not allow me to login to their portal to make payment before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONW STOLE MY INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME, THEY EVEN WENT SO FAR TO PAY ON THE ACCOUNTS UNTIL I REPORTED IT TO THE FTC AND THE XXXX POLICE REPORTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED : XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX   OPENED XX/XX/XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX XXXX XXXX XXXX, XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX
Product: Vehicle loan or lease

I am filing this complaint in regard to a recent notice of dispute I had written and mailed to SANTANDER CONSUMER USA about inaccurate account information regarding late payments which was mailed on XX/XX/XXXX and delivered on XX/XX/XXXX. It has been approximately 51 days since the notice of dispute has been delivered to SANTANDER CONSUMER USA. The inaccuracies that are reflecting from the account in question are showing up in the payment history section for XXXX as XXXX XXXX late payments in a row, XXXX XXXX late payments in a row, and XXXX more XXXX late payments in a row for the year XXXX. This information is all showing in the " Payment Summary '' section. As seen on XXXXXXXX XXXX direct site. The are XXXXour 60-day late payments in a row reflecting from the year XXXX, XXXX more reflecting from the year XXXX, and XXXX more late payments reflecting from the year XXXX. These issues are in fact ruining my reputation and my creditworthiness to obtain new credit. According to the Fair Credit Reporting Act, the law emphasizes the importance of accuracy and fairness of credit reporting. The Fair Credit Reporting Act states per 15 USC 1681s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Also, 15 USC 1681s-2 ( 2 ) Duty to correct and update information A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. SANTANDER CONSUMER USA has had more than enough time to investigate. I have reason to believe that my dispute was ignored. Wouldn't that be considered as willful noncompliance? Please remove this account for failure to investigate inaccurate account information within 30 days.
Product: Mortgage

I applied for a mortgage, gave all the usual information and was approved ( including running my credit ) contingent on verifying the information ( income, etc. ) and house value. I also received an initial loan estimate with terms that I found acceptable and even very favorable. This included almost no points and almost nothing out of pocket and a great rate. On that basis, I paid the non-refundable {$500.00} application/appraisal fee. The house actually appraised for higher than I anticipated. 

However, soon after the appraisal come back, I received an updated estimate showing I would be required to pay substantial points to keep the rate in the initial estimate. It also included additional closing costs with an out of pocket total over {$8000.00}. 

I felt completed deceived when I received that second loan estimate. I would have never have paid the {$500.00} for the application/appraisal had I know I would have been required to pay substantial points and a large amount of out of pocket closing costs. 

I traded e-mails with my loan officer and let her know I was extremely dissatisfied and that I felt deceived. I also told her I wanted my {$500.00} back. She said her manager would contact me. That was five days ago and I have heard nothing.
Product: Debt collection

I received notice in an email from XXXX XXXX on XX/XX/XXXX that there was a change to my credit report. The email stated that there was a collection account added from Midwest Recovery Systems LLC. The account balance is listed as {$170.00} and the original creditor is listed as XXXX XXXX XXXX. 

I was very surprised to see this as I had never heard of Midwest Recovery Systems, nor had Midwest Recovery Systems contacted me via mail, email or phone. If this is a valid debt I should have been contacted and provided more information. 

I am not aware of owning any medical debt. I did not contact the creditor as I know that contact can start a clock for the creditor and keep items on a credit report longer. 

I did dispute the debt with XXXX  and clearly stated in the complaint that I was not provided with any notice or contact from Midwest Recovery Systems. XXXX  concluded my dispute on XX/XX/19 and did not remove the item. 

I believe it is important to note the large volume of complaints to the XXXX  for Midwest Recovery Systems. In fact, the XXXX  has revoked the company 's status due to its failure to adhere to XXXX  policies. 

My rights have clearly been violated and I hereby submit this official complaint and request that the appropriate action is taken.
Product: Debt collection

It happened while I was assigned in XXXX XXXX Kentucky XX/XX/2014.. They called my workplace which I never authorized them to call. They spoke to my staff and said they need to speak to me. I spoke to the collectors and I was shocked that how could they call my work place and how did they found out my number. They began talking to me and I told them I was having marital issues and affected my payments. So the Navy federal deb collector threatened my if I dont pay that they will contact my XXXX   as a result I will get fired from my job and lose my XXXX XXXX XXXX.. They continue calling numerous times and keep harassing me.. As a result I feared for my job daily and affected my work performance.. I was not able to compete for XXXX XXXX.. Navy Federal Credit Union has repeatedly harass me almost weekly that I suffered from emotional distress and fearful for my career and my family..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the courthouse where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Mortgage

Name : XXXX XXXX XXXX, Phone : XXXX email XXXXXXXXLoan is with Wells Fargo Loan Number XXXX, Please help, I have health issues that have put me in a position where I have lost my job and I am now on XXXX. I have been trying to speak with someone at Wells Fargo to postpone the sale date to do a short sale or deed in lieu. Been passed around from the preservation specialist, to liquidations, To the re-entrey dept back to liquidations. On the phone at least for the past XXXX hours. Now one has any answers on who can help get it postponed to do the short sale or deed in liey. Please help. Times is of the esssence.
Product: Debt collection

I received a letter from Mitchell Bluhm Law regarding a bill for my adult son stating it was an older bill from XX/XX/XXXX with a balance of {$170.00}. I contacted MBA Law and set up payments with my debit card. After they have my card information, the next letter I get states the date of service was in fact not form XX/XX/XXXX, but from XX/XX/XXXX. The letter was dated XX/XX/XXXX. NO account is going to go to collections in 4 weeks time. They had already taken payments out of my bank account with the impression that this was an old bill, not a bill from 4 weeks ago.. and my son was not in the hospital on that date. So I called MBA on XX/XX/XXXX twice and left 2 messages questioning this, and asking for a call back. I emailed 2 people asking them to stop the payments ( they told me on initial contact that I could request to hold payments ). I got ZERO response from either contact. So I called again on XX/XX/XXXX, XX/XX/XXXX. So on XX/XX/XXXX I contacted my bank and told them what had happened. My bank reversed the charges and put a request in to MBA for contact. The next thing I get is a notice that they have reported me to the credit bureaus. Without even acknowledging my requests for clarification of a debt that say I owe for my adult, XXXX son who is also on XXXX. Yesterday, XX/XX/XXXX I called MBA again and left 2 messages. I got no returned call. Today I have emailed them twice, no return messages. But yet they want my money and can not validate a debt.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I was logged into my Wells Fargo account and a CD offer popped up that had pretty good terms for XXXX XXXX The terms stated : XXXX CD Special Offer ( minimum deposit of {$5000.00} ) Renews for XXXX term Annual Percentage Yield ( APY ) : XXXX XXXX  Special Interest XXXX : XXXX XXXX Relationship XXXX : XXXX XXXX Relationship Interest Rate XXXX XXXX XXXX  The numbers are not the same as this is a screenshot from today. I believed I had relationship banking because I have been a customer since XXXX ( XXXX XXXX ) and had XXXX Banking, savings, and Money Market. I was thinking I was getting the Relationship rates. 

As I continued with the application online, I selected that XXXX CD Special Offer and completed my information to transfer {$200000.00} to this CD from another account. As the process went to terms and complete application, I was not informed the interest rate until AFTER the application was approved ( Monday XX/XX/XXXX ) in an email. I was surprised. I went to my local branch and spoke to the branch XXXX and rep there and they tried to change it ( along with changing my accounts to the NEW proper account types ). They tried to do a modification but was told they couldn't and I was very unhappy and said I'd like to file a complaint. They filed it for me and I was sent an email the next day saying the response could take XXXX business days. 

I waited and tried to contact the compliant specialist. It was a difficult time to connect with her and she did not share any correspondence with me or when I called, no one else was able to help me because there was already a person on it. 

I finally got in touch with her today ( XXXX weeks later ) and she said she could not do anything for me. 

I believe I was mislead of the terms of this CD and should have been told the exact interest rate at the time of the application terms. I thought I had relational banking as I been a customer since XXXX and had that package.
Product: Student loan

Hello i have tried many avenues with dealing with Navient so im trying this as another way in case contacting Navient by mail and Credit Bureau by mail and online disbute doesnt work. I spoke with a Navient representative on XX/XX/XXXX explained my financial issues. He told me i was n't eligible for forbearance nor deferment but i could do something similiar which is income based and i needed to send in my info. I explained i would n't be able to send tax info til i file. I was told my loans would be made current and i had a grace period til XX/XX/XXXX before getting documents in starting payments again. On XX/XX/XXXX I recieved an alert saying a change occurred on my report, Navient had reported late dates for XX/XX/XXXX abd XX/XX/XXXX to XXXX dropping my score with them down to XXXX pts. I called Navient explaining my account was on hold and made current she reported seeing this on her computer and said she would put in a dispute that could take up to 90 days. So i told her within seconds it them to lower my credut score, it will take them 90 days to figure out if they will do anything about it, sge said yes. This drop was catastrophic to me since i have to help my son with his school loans also. So i decided to call XXXX and dispute with them they said it will take 30 days. I sent a letter to Navient then on XX/XX/XXXX i received a alert that my score went up but within an a few hours another alert occurred saying Navient reported the same late dates for XX/XX/XXXX and XX/XX/XXXX but on XXXX which dropped my scores with them another XXXX points. Im so overwhelmed with how these people are destroying peoples livelihood. Im not sure why they would report late dates for XX/XX/XXXX, right now, and did n't before and if im in good standing now why report late date for this year. I truly need assistance with this issue. Im trying to do better with my student loans but they are making it very hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name ; XXXX XXXX XXXX. 
Account number : XXXX XXXX : Collection account. 
Amount : {$630.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Status : Collection account. 
Amount : {$280.00} -- -- I never applied for this and I never lived at XXXX XXXX. I do not know where this apartment is, this is not mine and this is fraud Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$700.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX  XXXX Account number : XXXX Amount : $ {$640.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name XXXX XXXX XXXX Account number : XXXX Amount : {$2100.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : {$2800.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account : XXXX XXXX XXXX  XXXX Amount : XXXX -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Inquires are not mine and this was done without my consent. 
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

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Mortgage

*THIS IS NOT A DUPLICATE* I believe that my mortgage account is being serviced as an adjustable rate mortgage instead of a fixed rate mortgage. My amortization schedule is a " Step Rate Loan Amortization '' which is a type of adjustable loan. My billing statements are inconsistent as to what is stated to pay and what is actually paid. The company acknowledges adjustments taking place in the account. The company sends documents and letters that do not accurately represent my account.
Product: Debt collection

In XXXX or XXXX I was at XXXX in there electronics department looking at phones. I was going to lease a phone from XXXX but after the cashier entered my information I didn't have good enough credit and they wanted a huge down payment I couldn't afford so I told her I would not be able to purchase the phone and I left. About a month later I received a bill in the mail from XXXX so I went to the storefront location they used to have here in XXXX XXXX XXXX and spent about an hour and a half talking with the manager and someone from corporate who after which assured me the matter had been taken care of. About a year or so later I started receiving letters in the mail from a debt collector called Jefferson Capitol Debt Creditor saying the original creditor was XXXX. Still today this fraudulent charge is on my credit report and I haven't been able to get it taken care of. I've spent multiple hours on the phone with both the debt collector and XXXX customer service . Every time I do I explained the situation and they transfer me from Department to Department without any actual help or information and every time they call eventually gets dropped. I have tried to dispute the charges on my credit report numerous times and now I have found a plethora of people on XXXX that have experienced the same exact thing, mysteriously charged from XXXX through this XXXXefferson Capital debt collector with no current or past accoumts through XXXX or XXXX whatsoever. I need help please!