23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr Cooper, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in Mr Cooper 's response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 (  a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. The XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, Mr Cooper 's reluctance to correct a Seterus problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. Please see Mr Coopers reporting of 60 days late in XX/XX/XXXX to XXXX  and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? Mr Cooper is manipulating a Seterus problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. The plaintiff/homeowner has submitted payments through the Mr Cooper automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by Mr Cooper. The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOANCARE : reported late payments. At Covid-19 Pandemic, legally you could go on Forbearance for six ( 6 ) months which should not effect your credit or be considered late. On the credit report it shows XXXX days, XXXX days. Of course, this was agreed upon between Loancare and myself. Although on the XXXX. month XXXX payment was paid. I had called in to see what to do and asked if I wanted to extend the forbearance for another six months which I did not want to. Then, I paid the total of the payments at the end of my term, ( total of {$17000.00} ) so I stay current. Also, somehow XXXX days the payment was sent they had miss placed it in a different department, they found it later were supposed to straighten it but never did. 
XXXX XXXX XXXX. The lates they show is completely wrong. They were on XXXX pay and tried to make sense with them. This was supposed to be straightened up but never did.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unlawful Reinsertion of XXXX XXXX Dear XXXX XXXX TRANSUNION XXXX XXXX, I am writing to formally dispute the reinsertion of inaccurate and unauthorized information into my credit report. Specifically, the account related to XXXX XXXX XXXX has been previously deleted from my ( Transunion ) credit file but now appears in my XXXX credit file. There are two XXXX XXXX XXXX accounts with different account numbers that are listed in my XXXX credit file, further exacerbating the inaccuracies in my credit reports. 

The reappearance of this account and the existence of duplicate records are clear violations of the Fair Credit Reporting Act ( FCRA ), which prohibits reinsertions without proper certification of accuracy and prior notification to the consumer. 

As the rightful owner of this credit report, I have provided supporting documentation to ensure a thorough investigation. 

Please find enclosed the following : 1. A notarized letter confirming my intent to pursue legal action if this matter is not resolved promptly and appropriately.

2. A notarized formal complaint detailing the violations and issues with my credit report.

3. A copy of my drivers license as further proof of my identity. 
XXXX. A copy of the official report from XXXX to corroborate my claim and ensure no fraudulent or unauthorized accounts are associated with my file. 
5. A copy of my Social Security card for additional identity verification.

6. Proof of address, including a recent utility bill, reflecting my current and only address at XXXX XXXX XXXX XXXX, where I have lived for the past several years. 
7. BBB complaint I respectfully request the following actions : 1. Immediate removal of the XXXX XXXX XXXX account and its duplicate account from all credit reports. 
2. Immediate deletion of any outdated or incorrect addresses, ensuring only my current address, XXXX XXXX XXXX XXXX, remains. 

I also want to bring to your attention the recent XXXX lawsuit ( dated XX/XX/year> ), which emphasizes the importance of adhering to FCRA guidelines and the legal consequences of failing to protect consumer rights. 

Under Section 611 of the FCRA, you are required to investigate and resolve this dispute within 30 days. Failure to comply may result in legal actions being taken against your bureau, including, but not limited to, statutory and punitive damages.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Notarized letter confirming intent to litigate Notarized formal complaint Copy of drivers license Official report from XXXX Copy of Social Security card Proof of address ( utility bill ) BBB complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made a {$1000.00} payment to Southeast Toyota Finance on XX/XX/XXXX. This payment was reported back to me via email as successful. My normal payment at that time was around {$350.00} Upon learning that my credit report had been severely impacted on XX/XX/XXXX I contacted Southeast Toyota Financing only to learn that my payment of {$1000.00} had been " reversed '' on XX/XX/XXXX. ; SETF could not supply a reason as to why the reversal occurred and my bank knew nothing about the payment. I was not contacted about this reversal in any way. In fact, on XX/XX/XXXX I received and email with a confirmation Number ( Confirmation Number : XXXX ) for the {$1000.00} payment. 
There was never any mention of reversal after that point. 
Instead of contacting me as they had already done with the confirmation number and an email on XX/XX/XXXX that my account needed attention, they simply reported a thirty day delinquency on my account for XXXX XXXX and then another 30 days late for XXXX.. My credit report shows 60 days late now and my credit score dropped from XXXX down to XXXX. 
Southeast Toyota Finance appears to lack the sophistication or technological staffing to notify customers about serious matters such as payment reversals. It should also be noted that I have never been late paying them, or anyone else in over 10 years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX on XX/XX/2023 reported The amount {$13000.00} on my credit report violating the FCRA law 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Product: Mortgage

I applied and received {$50000.00} from the Hardest Hit Principal Reduction Program. The money was sent to my mortgage come in XXXX 2014. The applied {$48000.00} and took the difference and paid my XXXX payment and applied some to late fees. In late XXXX the funds were reversed and sat in a suspense account and no one was able to explain why it was reversed. It was then applied and reversed XXXX more times and each time money was taken away from the principal. To date only a little over {$44000.00} was applied toward the principal and I was told they took the remaining {$5000.00} or more dollars and paid my XXXX, XXXX and XXXX payment which I have been paying my monthly mortgage. In XXXX explanation they said they were given directives to do it this way then they said they never received any doucumentation as to what to do with the money and it is their perrogative to do what they want and I have no say so in the matter. It is the least to say that this has been fraustrating. So many agents have been dealing with this matter that it is now a total mess and what seemed to be a gift to help with my underwater mortgage has now been turned into a nightmare. I need hellp being directed to the right agency who can speak for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX. # XXXX, has violated my rights by reporting its fraudulent, identity theft, debt buying account to XXXX, and Transunion credit bureaus in an effort, to knowing collect a debt it is not owed. I have no open accounts with XXXX, nor have I ever done business with XXXX. I have disputed this fraudulent identity theft account before in an effort too permanently remove it from my credit bureau reports. When I dispute it is removed and then put back on my credit reports again. I have requested a copy of the original credit application with my signature in which I opened any such account and I have not been provided the credit application with my signature and/or a response to my request for said credit application. 

XXXX XXXX XXXX, has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

XXXX XXXX XXXX, has violated my rights by continuously reporting an inaccurate collection account to credit bureaus. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I ACQUIRED MY CREDIT REPORT AND ASKED BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 30 DAYS AND RECEIVED MY INVESTIGATION AND NOTICE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES WHICH IS XXXX, XXXX TRANUNION DID NOT MODIFY OR REMOVED ANYTHING. 
THE DATE OPEN IS NOT CORRECT, DATE LAST ACTIVE ISS NOT CORRECT ON ALL THREE CREDIT REPORTS, DATE OF LAST PAYMENT IS NOT CORRECT ON THR THREE CREDIT REPOTS. 
WHICH IS A VIOLATION. THIS IS IMPACTING ME FROM MOVING FORWARD TO BUYING A HOUSE FOR MY FAMILY. 
I ATTCH MY PREIOUS CREDIT REPORT TO SHOW HOW XXXX, XXXX, TRANUNION VIOLATED MY RIGHTS.
Product: Credit reporting or other personal consumer reports

Equifax refuses to remove XXXX XXXX XXXX XXXX XXXX  informaion on credit report. The account was closed but not removed after 7 years, The account is now over XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : United States XXXX Employed on XX/XX/XXXX to Present I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate.
Product: Mortgage

follow up to previous complaint # XXXX : I have attempted to make my payment since the XXXX of XXXX. But the loan is not booked. It is still showing my old payment amount. I can not make a payment on an account that is not booked. I called Wells, and was informed that there was a problem with my mod docs. Apparently the notary date is not legible. I have no calls, emails, or letters from Wells explaining there is an issue with the documents. I explained that it is legible to me. The representative stated they would look in to it further. Which I have no faith that they will. I have made a payment over the phone. It will most likely sit in unapplied. Please expedite the booking and post my payment. There should not be any late fees accrued for this month. Wells claims they are backed up and are taking longer than usual to review, and book their loans. They seem to deliberate in finding issues, to prevent the booking, in order to buy them more time.
Product: Checking or savings account

Friday XX/XX/XXXX, XXXX I received many notifications about transactions I was not making. XXXX {$19.00}, XXXX {$5.00} total of 31 transactions {$200.00} customer service were not helpful and asked to dispute transactions on the app, which, I would have to do one at a time since its a 7+ step process. I thought it was insane and got very upset and asked to speak with the Representative XXXX XXXXXXXX XXXX s supervisor but he hanged up on me. 
I called back and spoke with XXXX a representative that was able to explain everything but we still have to do one by one me answering 7 questions per transactions. And Im not sure if why they were not able to catch these fraudulent transactions when they were so many, consecutively less than a minute apart. They told me this does not happen very often and I don't believe that is the case since, months ago, they duplicated 5 of my transactions.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 reviewed my credit report for accuracy and reporting and seen they were multiple accounts with inaccurate reporting, Ive sent the credit bureaus multiple letters ( XX/XX/XXXX, XX/XX/XXXX ) requesting to fix improper reportings, or have it removed, Ive received multiple letters regarding issues were fixed and accurate but I am still having issues because account accuracy still shows improper and have requested multiple verifications for investigation, and have not yet received, or seen change.i seek immediate resolution. 
-XXXX  account number XXXX XXXX XXXX XXXX account number XXXX -XXXX  account number XXXX -XXXX  account number XXXX -XXXX  account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

BANK OF AMERICA SOLD MY LOAN TO XXXX XXXX XXXX XXXX XXXX XXXX AND THEY WONT MODIFY MY PAYMENT ON A {$52000.00} BALANCE. I WAS PAYING {$1000.00} MONTHLY. THIS PROPERTY HAS SPECIAL CIRCUMSTANCES BECAUSE I BOUGHT IT IN 2000 FROM THE ESTATE OF THe OWNER. HE DIED XXXX. HE WAS XXXX. IFOUND OUT LATER MY DEED CONTAINED COMMERCIAL PROPERTY ACROSS THE STREET WHICH IS IN THE PROCESS OF BEING DEVELOPED. ALSO A BANK IS SETTING ON A PORTION OF MY PROPERTY AND NEVER PAID OR OFFERED A DIME TO ME FOR IT. I HAVE AN ATTORNEY BUT WE CANT GET THE BANK INTO COURT AND NOW HAVE SOLD MY PROPERTY AND THE MAN WANTS ME OFF THE PROPERTY. I NEED IMMEDIATE HELP. HE MAY HAVE ALREADY BEEN PAID FOR MY LAND ACROSS THE STREET.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate account.
Product: Credit card or prepaid card

I have a XXXX BOA card. On the statement, it states the payment due date is XXXX/XXXX/XXXX. It also states if the payment is made after the due date. it is subject to a late fee.No where on the statement does it state it has to be applied prior to XXXX eastern standard time. 

On XXXX/XXXX/XXXX, I logged in online to pay off my balance. It was around XXXX in the evening, central time. First of all, BOA 's system would not allow for the payment to schedule on the XXXX. Rather, it scheduled it for the XXXX. Furthermore, their website instructs cardholders following the scheduled payment that the late fee will be refunded only if it is paid prior to XXXX eastern standard time. Legally, they should be required to state this time on the statement. I have screen prints of the recorded time the payment was scheduled for your records which clearly shows it was paid on the XXXX. 

I am requesting BOA refund the late fee to my account. I am attaching all the screen prints and the statement for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it ma concern ; I have mailed multiple letters to all the CRAs onXX/XX/XXXX by certified mail in regard to the accuracy of the bankruptcy on my credit report. They received the letter right away on XX/XX/XXXX and replied after 2 days that it has been verified and that its mine through XXXX XXXX. I called XXXX XXXX to confirm if the CRAs indeed verified it and they said no one called them and even XXXX XXXX  ca n't verify all my information since they do n't have enough datas, not even in my public record that matches on their system. I am a wife of a United States XXXX and literally left our lives behind in service for this country and I ca n't believe this is how they treat us. We are about to end our military service and planning on building my credit to purchase a house for my family and this report is hurting my credit score. under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in or for it to appear on my credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Mortgage

Our refinanced mortgage was issued by a local lender and then resold to AmericaHome Mortgage ( NJ, USA ). The refinance overestimated our annual property taxes by over 25 % ( over {$1000.00} ) and this extra money accumulated in the escrow account. AmericaHome withdrew the overestimated amount but then paid our actual tax, leaving over {$1000.00} in extra cash. On the escrow statement ( datedXX/XX/2021), this extra money disappeared entirely and did not reappear after the correct amount was paid to the city taxing authorities ( shown on the loan statement dated XX/XX/2021 ). Only when we repeatedly called AmeriHome did they find the leftover money that had gone missing and issue a refund check for the difference between the estimated property taxes and the actual property taxes. Similarly, only at our insistence did AmeriHome update the escrow account going forward to change the amount set aside for property taxes to the correct amount and reduce our monthly payments to the correct amount. I fear that customers who are less scrupulous about reading the fine print of their escrow statements and loan statements are at risk of being ripped off by this company since over {$1000.00} went suspiciously missing on their paperwork. Unchecked, this could have gone on every year for the 30 years of the mortgage.
Product: Credit reporting or other personal consumer reports

Paid off debt on XXXX {$4400.00} XXXX  XXXX and they are still have not update my payment this has credit a negative report on my credit
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
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