23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Against Mr. Cooper Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan # XXXX This is an update of our complaint : Your office has requested to stay involved in this matter. The judge 's intervention and ruled that do a modification of our loan. To stop the strict foreclosure action. which stop the date of the sale? We know that Mr. Cooper has no intention to do the modification in line with the federal guidelines. The law as it is required interest deduction. The interest on our loan is 14 percent. The loan started with XXXX percent and has ballooned to the current rate. It is a predatory loan. It is illegal under fair lending rules. Again, a principal reduction is needed to have a fair and affordable loan. The principal loan was {$370000.00}, now Mr. Cooper has our loan principal loan to be {$960000.00}. The current appraisal for the property is {$330000.00}. Mr. Cooper has been very shady and has broken all laws on this loan. We have submitted all they requested with the checklist this Friday XX/XX/XXXX. We have both the income, the credit, and we are committed to staying in our home. On the the XXXX on XXXX we had one section of mediation meeting. The bank said they have received all that they needed to put a loan work out. That they will need one month. In less than two weeks, the bank notified us that they will not do the modification. That they rather do a strict foreclosure. We are inviting your office to help us. All we ask is for you to appeal to Mr. Cooper to give us a fair, and honest rework on the loan. That will allow us to stay in our home. With the intervention of your office. Mr. cooper gave us our modification a chance. Please see attach the modification that Mr. cooper came up with. The monthly payment they offered us {$8800.00}. That is for the first three months. After which the loan will be restated. Nobody can afford to pay such a high amount of monthly payment. The question is how Mr. cooper came up with such a big monthly payment. Mr. Cooper has never had any intentions of giving us a fair and avoidable modification. Mr. copper could have been more creative to come with a fair situation. We have the income to pay up to {$3500.00} monthly. Please review the attached modification backstage. We will be appreciative if they can intervene on our behalf. To persuade Mr. cooper to be more considerate. Let Mr cooper explain how they come with such numbers. Why they could not defer some of the principles and taxes, to make the monthly payments affordable. For Mr. Cooper to do the modification base on the federal guidelines. My Sale date is XX/XX/XXXX. I wonder if my case is an individual case or systematic unfair and deceptive practice or discrimination. 2 ) Denying us principal reduction for the selfishness of trying to write off almost a million for themselves. I hope that you work with us, with the authority of your office to appeal to Mr. Cooper. We thank you in anticipation Sincerely XXXX XXXX XXXX, and XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on XX/XX/2021. I was alerted by my credit bureau app that there was 3 new hard inquiries for credit card applications XXXX XXXX, XXXX, and XXXX XXXX. All of them have been removed and applications canceled except XXXX XXXX is still reporting to Equifax that this is a true and factual Hard inquiry. I called XXXX XXXX the day the identity thief applied in my name and they assured me the application was cancelled, flagged as fraud and that they would alert all three credit bureaus to delete the fraudulent hard inquiry. I also filled out an Identity Theft report on the FCC website aswell. I want and deserve this item to be removed I have been through enough with this stressful event and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$850.00} ), XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5200.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquires on my report that I did not authroized. I have launched over 10 dipustes over the inquires with Equifax, but they have failed to comply with FCRA and remove the following unauthorized inquires. Since that is a voilation of FCRA & I have attempted 10 + times to fix the situation with Equifax, I am raising my compliant with CFPB. The following inquires attached needs to be removed ASAP. Failure will result is civil penalties.
Product: Credit reporting

My credit score with TransUnion was XXXX and then with no reason, TransUnion tanked it by XXXX points. The other XXXX credit reporting agency are showing my credit score to be XXXX and XXXX, respectively. TransUnion refuses to give me any reason for doing this. I want to know why they are destroying my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my Rights. 

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 15 U. S. C. 1681 section 602A -- -- states I have a right to privacy. 
15 U.S.C. 1681 section 604A section 2 -- -- 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

Reported Dates Opened : XX/XX/XXXX, XX/XX/XXXX I have never had or signed any contractual agreement with XXXX or authorized an agreement with XXXX for any type of loan including a student loan. Furthermore they are erroneously and inaccurately reporting me as late/delinquent on my credit report with the intent of extorting me via my credit, credit worthiness and my employment viability. 

The aforementioned is clearly in violation of the Fair Credit Reporting Act ( F.C.R.A. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in XXXX  violations with credit reporting on my account. On XX/XX/2022 I filed an initial dispute on accounts XXXX XXXX  Bank Acct # XXXX, Open XXXX XXXX # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX, and XXXX XXXX XXXX  Acct # XXXX. They only disputed XXXX XXXX XXXX and were in violation of 15 USC 1681i which states, Experian shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I provided them with evidence and theyve yet failed to properly conduct and provide evidence of such steps taken and still have account not updated with 100 % accuracy on status updates. Ive filed a complaint with the XXXX XXXX XXXX XXXX and am process of work with my lawyer to takes actions against Experian for violations. Evidence provided below
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and there is information that I have discovered which is not mine. I would like to immediately dispute and have investigated. The accounts that are on my account that are not mine are : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fadv/Resident Data XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and remove them once its confirmed that they are not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently saw two fraudulent credit card accounts on my Equifax credit report. I spoke to fraud/disputes department on XX/XX/2021 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back on XX/XX/2021 and representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two XXXX XXXX accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I made a purchase online through an ad on XXXX to buy a 799 pc tool set and a 12.5ft flexible Aluminum ladder. 

I received a 12pc tool set and some small pieces of plastic tied to strings I disputed the charge with Citibank noting the Product was not as described Citibank asked that I sign a letter and send them pictures of the product. I did so on XX/XX/XXXX via email. 

Citi removed the provisional credit on XX/XX/XXXX noting that the merchant sent a tracking number and the item was received. Citi requested that I sign another letter noting that the iem was not received. 

I spoke with a representative in late XX/XX/XXXX who noted that the letter was incorrect, they could see the pictures I sent were not of the product ordered and that they would resolve the issue. 

On XX/XX/XXXX I received another email noting that I had a document. The document was the same document noting that the merchant sent a tracking number for the product and my provisional credit was removed. 

I called Cit on XX/XX/XXXX and they said I had to sign the letter by XX/XX/XXXX or the dispute will be closed. I noted I can't sign the letter because I have receive a product but it was not as described. I noted that I was already told this would be resolved by the previous Rep and they said that was false. They recognized the letter is erroneous but " This is the process '' and I have to sign it. I spoke with a supervisor that said " This is the process '' and they will talk to the investigator to get a new letter out, but I have to sign by XX/XX/XXXX. I can't sign the letter since it is wrong so I get to wait for Citi to fix the error and sign a letter AGAIN saying the product is not as described. 

Citi makes disputes extremely difficult to avoid their federally required responsibility and passes fraud on to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to TransUnion by letters, disputes online, as well as phone calls and filing complaints with this forum.   Transunion is reporting a bankruptcy that was  discharged a s well as accounts associated with it. I have sent dispute letters and in their response, they stated, " verified thru the Bankruptcy Courts. '' I have enclosed a letter from the clerk of court, which clearly states that they DO NOT provide or verify bankruptcies with the credit bureaus nor anyone else. There is a public record entry that was placed on my credit report and I have been trying for ove r three  months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the public record and I have yet to get this inaccuracy rectified. This is my seventh attempt to dispute this item in which I have not received satisfactory results. On  XX/XX/2017    I mailed a notice to TransUnion in effort to have the inaccurate item removed or for the credit bureau to produce written documentation including my signature, with enlightenment to how TransUnion has verified this public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives an d 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. At the point, I c ontacted TransUnion once again and spoke with another representative who at this time advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question so I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation that there is no 'runner ' involved. The supervisor told me that they use a form which is sent to the courthouse. I asked what form and exactly where the form was sent. I asked if she could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they claim to have that verifies this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve.Transunion violated the  Fair Credit Act by providing me False information I would like for the bankruptcy as well as asso ciated accounts, delete from my credit report and to receive an updated report showing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CONVERGENT OUTSOURCING added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, CONVERGENT OUTSOURCING has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Credit card

Capital One Credit card closed my account because the bank processed their payment in a particular way that they did not appreciate. I notified them that I have an obligation to perform a payment, and that is what I did. I can not be held responsible for the actions of a bank that I do not control. UCC 3-305 states that I am have a right to perform my obligation. I am living up to my agreement to perform the obligation. There is no reason to deny that to the consumer. In addition, Capital One agreed to give me a revolving line of credit yet the purchases are being recorded as credits instead of debits. I am sure this is a mistake, however, the company fails to acknowledge GAAP. In addition, the numerous times I had to contact the company to take the lock off my account after I had made it to the register to make a purchase and the card declines.
Product: Credit card or prepaid card

I have been a XXXX XXXX XXXX customer for decades. Since XXXX XXXX has come into control of the XXXX XXXX XXXX brand, I have experienced numerous difficulties not encountered with other credit card companies or banking institutions. I keep the account because I travel professionally, and certain features of this card are very helpful. I have yet another problem. On Tue XX/XX/XXXX I  made anonline payment ( an extra payment in addition to my normal monthly payment ) of {$1700.00}. I printed the confirmation from the XXXX 's website. Keeping in mind that XXXX XXXX is a XXXX corporation, there is no reason to believe that the US holiday of XXXX could interfere in any way with accreditation of payments. However, this payment did not clear my banking account until Fri XX/XX/XXXX, a delay of 3 days. Today, 1 week after payment was rendered, and 4 days after clearing my bank account, I have still not received credit for the payment on the XXXX 's website. I paid several bills that day, and all of them ( except XXXX 's ) were credited the very next day. Today, Tue XX/XX/XXXX, fully 1 week after the payment was rendered, I attempted to confirm the payment had been credited, and in doing so I printed out the appropriate XXXX 's webpage ( " New Transactions Since Last Statement '' ). That payment has still not been credited towards my account. Therefore, I am paying interest on the outstanding balance for that extra week. It is not the actual interest amount that is concerning. I am asking your help in determining whether this constitutes a breach of XXXX XXXX 's fiduciary responsibility and for help in contacting XXXX XXXX. You see, in addition to failure to post my payment, the corporation 's " Contact Us '' feature, which provides an online template for comments and queries does not work. It allows entry of all necessary information, but after clicking the " Submit '' button, a popular page appears, saying, " Error 500 : FormAttributes is null or empty ''. For the record, all template blanks were properly filled ; I made a record of this by printing screenshots of the attempts. As I have had so many similar and related problems with XXXX XXXX, I prefer all contact with the corporation to be in writing, and there seems to be no other way to send expedited communication to XXXX ( no customer service email address is provided ). In recapping, XXXX XXXX has withheld credit towards my XXXX XXXX XXXX credit card balance unduly, which is presumably accruing undue interest. Additionally, the institution seems to provide no means for written queries other than through paper means, which is completely unreasonable in this digital age.
Product: Credit reporting

I paid my XXXX bill and I was never 30 days late I called XXXX and they put in a dispute but I never heard back from them until a few day ago they took off the late fee. Because they could see I made the payment enclosed is a copy of the payment I made from my bank. This needs to be changed to current never late.
Product: Credit reporting or other personal consumer reports

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

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: Debt collection

I've reached out several times to this company via certified mail, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. I've asked for specific proof of this debt and nothing has happened. I've asked for this company to remove this account from my credit profile since proof hasn't been provided and can't be provided.
Product: Credit reporting or other personal consumer reports

I paid my account balance for XXXX XXXX on XX/XX/year> and was told that it would be updated in XXXX days. As of XX/XX/year>, I still have a balance reporting to the credit bureaus.
Product: Money transfer, virtual currency, or money service

They froze my account and said they will help me resolve it and unfreeze my account but have never helped in anything. I submitted about 5 requests for help and still nothing. I contacted customer service and no person picks up or helps its just a bit saying to look at the FAQ help section which does nothing. I been trying to contact them for about 2 weeks and they dont respond with anything but saying they will help
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I submitted a request to Experian Credit Report Agency requesting that the address of : XXXX XXXX XXXX, XXXX GA XXXX be removed from my credit report as it is linked to fraud. I submitted my ID and proof of residential address. Experian responded that the address is not listed on my credit report. I have attached my current Experian Report which shows the inaccurate address in question.