23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In late XX/XX/year> I sent my first mortgage payment to XXXX for XX/XX/year> payment. On XX/XX/XXXX the check was cashed, per my XXXX checking account bank record. 

Mr. Cooper, the new loan servicer, said my XXXX payment was still due, and when i sent them proof it had been received by XXXX  ( sent to me by XXXX XXXX, Mr. Cooper wrote bank the documentation was insufficient, and they had no evidence of receiving the XXXX payment. 

In XXXX, " XXXX '' with Mr. Cooper was able to get a rep from XXXX on the phone to confirm the XXXX payment had been made. The call ended with XXXX unable to get from XXXX a tracking number, date of payment or other proof, but a promise to me that they would work it out with no impact to my loan or credit score. 

I continued to receive payment due calls from Mr. Cooper, and in a call in XXXX was told by XXXX and another XXXX representative that my payment had been found in a bulk payment by XXXX. 

It is now XX/XX/XXXX. I have made each of the subsequent mortgage payments ( plus principal overpayment ) to MrCooper to avoid a credit delinquency, but the missing amount of the XXXX payment has still not been credited to my account. As a result my overpayments to principal each month have also not been credited ; and I continue to receive payment due phone calls from Mr. Cooper. Every call to MrCooper ends in assurance that they are just waiting for the wire service to credit the payment and all will be good, but nobody will give me any assurance in writing, and we are now past the 60 days California gives for transferring a loan without jeopardizing credit.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report associated with XXXX XXXX XXXX XXXX  ( Account No : XXXX ). Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.
Product: Vehicle loan or lease

I have notified Ally Financial as of XX/XX/19 in regards to changing my payment date from the XXXX of each month to the XXXX of each month instead. I was advised by the representative that my original date was for the XXXX of each month. I explained to the representative why will I change my date from the XXXX to the XXXX it just dont make any sense. However changing my date to the end of the month is much convenient for me and to keep my car payment on track. I have asked to speak with a supervisor to rectify the problem and I was connected to another representative. Ally financial has very poor customer service and they are not willing to help their customers. I really need this problem to be rectified and to be handled in the appropriate manner.
Product: Mortgage

To : Wells Fargo Foreclosure XX/XX/2012 REF : XXXX XXXX  : XXXX Wells Fargos attorney : XXXX XXXX XXXX, XXXX Florida XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, Florida XXXX XXXX, Case No. XXXX, WELLSLPS-FHA-XXXX XXXX XXXX. 

After many tries, Wells Fargo denied my Home Loan Modification. My home was foreclosed by Wells Fargo on XX/XX/2012. I consider, we were qualified for Home Loan Modification and we would have stayed with our house. 

We are now seeking compensation for financial losses incurred upon our house foreclosure. 
I want to know, the steps necessary to take legal action against Wells Fargo for the mistake they did, the stress and economic consequences they caused to me and my Family. 

Thank you in advance for your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simply put, the credit reporting company, Experian, failed to conduct a reasonable investigation into my dispute with a data furnisher, who is illegally ( I believe  )  reporting a debt that should be reported as a balance of  XXXX . Experian instead has made my situation worse by allowing the data furnisher to falsely claim that I was a victim of identity theft ( which I never claimed ), and has put a fraud alert on my credit report. That is all Experian has done, and has since sent me a report stating that their investigation is complete, without explanation of what was investigated or even a summary of their findings. They just send a credit report that just shows that the creditor is increasing the balance owed each month, even though the creditor is claiming the debt is charged off.     To provide a background into my situation, the creditor is  XXXX   XXXX  Mortgage  XXXX  a separate complaint was submitted to this creditor ) who was servicing my purchase second mortgage on a property located in  XXXX , California. I had to walk away from this property back in  XXXX  since I had changed my employment to  XXXX   XXXX , California. Neither the primary mortgage nor   XXXX   XXXX     Mortgage offered assistance for a short-sale or deed-in-lieu, and I was told I did not qualify for HARP or HAMP since I no longer lived in the property. I could not afford to pay for the mortgages and rent in  XXXX   XXXX  at the same time. The primary mortgage holder ultimately foreclosed, and I was not aware that  XXXX   XXXX  was sending in a negative report to all  XXXX  credit agencies on a monthly basis stating that I still owed the balance of {$41000.00}, even though   XXXX   is a non-recourse state, and since the foreclosure was non-judicial, the second purchase mortgage should have been discharged. I discovered this when I applied for a FHA mortgage this  XXXX   XXXX . I disputed this with Experian in writing on  XXXX   XXXX , with proof that this second mortgage is a purchase mortgage with legal justification of why this debt amount should be  XXXX  here in  XXXX , but all Experian has done was to place a fraud alert on my credit report, which I never claimed. I have also sent Experian a letter, certified mail, requesting that they remove the fraud alert, which they have failed to do so. Experian is in violation of the Fair Credit Reporting Act by failing to do a reasonable investigation and by placing a fraud alert without proof that any fraud was occurring. It should be clear to Experian that   XXXX   XXXX   is providing false information for the purpose of extortion, considering that after my application for a FHA loan,   XXXX   XXXX     has since increased the balance owed amount to {$55000.00} for a debt   XXXX   XXXX   already charged off, and continues to increase the balance month over month.
Product: Checking or savings account

BANK OF AMERICA CLAIM # XXXX WHEN I CONTACTED BANK OF AMERICA AND ASKED TO VIEW VIDEO FOOTAGE OF THE FRAUDULENT ATM TRANSACTIONS THAT WERE DONE ON MY ACCOUNT AT THERE BANK OF AMERICA .IN XXXX XXXX ATM .I WAS TOLD BY A SUPERVISOR TO GO TO THE BANK AND SHOW MY ID AND GIVE CLAIM # AND THEY WOULD VERIFIDE ME AND I COULD GO BACK IN A COUPLE OF DAYS TO VIEW FOOTAGE WHEN I GOT TO THE BANK THEY TOLD ME TO GET THE FAX NUMBER OF THERE CLAIMS DEPARTMENT TO SEND SO WHILE I WAS ON THE PHONE GETTING THE FAX NUMBER OF THERE CLAIM DEPT THE GIRL THAT WAS HELPING ME WENT TO LUNCH OR SOMETHING BECAUSE NO ONE WAS AVAIL TO HELP ME FOR ONE HOUR SO AFTER THIS TASK WAS COMPLETED THEN CAME HOME AND THE NEXT DAY I CALLED THE BANK AND TALKED TO TALK TO ANOTHER SUPERVISOR AND WANTED TO MAKE SURE THAT EVERYTHING WENT THROUGH AND THIS SUPERVISOR INFORMED ME THAT THIS COULD NOT BE DONE THAT THEY WOULD EMAIL ME THE FOOTAGE OF ATM WITHDRAWS SO I CONFIRMED MY EMAIL AND i CALLED AGAIN THE NEXT DAY AND THE NEXT SUPERVISOR INFORMED ME THAT THAT COULD NOT BE DONE THAT I WOULD RECEIVED BY MAIL IN 10 DAYS I SHOULD RECEIVE FOOTAGE BY MAIL SO AGAIN JUST THOUGHT I WOULD CALL AGAIN THE NEXT DAY TO MAKE SURE EVERYTHING WAS GOING THROUGH AND AGAIN I WAS TOLD SOMETHING ELSE THAT ONLY POLICE DEPT COULD VIEW AND ANOTHER THING I SHOULD POINT OUT THAT EVERY TIME YOU CALL CLAIMS DEPT IT TAKES ANYWHERE FROM 20 MIN TO ONE HOUR TO GET THROUGH TO A SUPERVISOR THAT IS IF THEY DON'T HANG UP ON YOU WHEN THEY TRANSFER YOU 1. TOLD I COULD VIEW AT BANK IN TWO DAYS 2. TOLD I WOULD RECEIVE BY EMAIL 3. TOLD I WOULD RECEIVE BY US MAIL IN 10 DAYS 4. TOLD I COULD NOT VIEW ONLY POLICE COULD VIEW THEN AFTER ALL THIS MY CLAIM WAS DENIED EVEN THOUGH I TOLD THEM THAT THIS VIDEO FOOTAGE WAS IMPORTANT BECAUSE THERE IS A CURRENT COURT CASE IN XXXX OF 2022 MY CLAIM WAS DENIED THEN I FILED FOR A RECONSIDERATION OF MY CLAIM AND IT WAS DENIED IN ONE DAY
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 correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX**** Balance {$13.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX  XXXX XXXX, CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX  XXXX XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Student loan

I have been current as possible with my loans over the past year, but in the past when I have fallen behind Navient has used manipulative tactics in getting a hold of me about my late payments. I have multiple loans with them that my father co-signed. Navient has always had my up to date address and phone number. I would never receive anything in the mail about my loans. Navient would send late notices to my parent 's address. I 'm   XXXX   years old and have n't lived at that address since I was 18. They would also call my parents phone number when I was late on loans even though they had my number. I believe they knew this and realized that it works better to call someone 's parents to get a response. My parents would complain to me constantly about getting 5 or 6 calls from Navient a week. I called Navient multiple times and asked them to stop contacting my family and contact me instead since I was the one that took out the loans. The only way I was able to stop this harassment was to make sure I paid every month even if it hurt my finances everywhere else.
Product: Money transfer, virtual currency, or money service

This is for the card I have through my XXXX account, managed by BNY Mellon. A hacker got into my XXXX XXXX and XXXX accounts and took {$2000.00} in XXXX separate {$500.00} transactions on XX/XX/XXXX. I called XXXX the second I saw that it was happening, and I was on hold for several minutes -- and the fraud was continuing. They were able to stop one of the transactions ( not the 4 listed above ). So, I filed a formal complaint about the other 4. I received a letter from XXXX, XXXX, extension XXXX. I have left no less than 10 voicemails to that number and called to speak to a supervisor, and they refuse to transfer my call because the fraud department " doesn't have a phone number. '' I received no documentation about the investigation -- no one talked to me to get my side of the story, and no one will talk to me about the situation.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

I JUST LEARNED USAA DID NOT NOTIFY ME A CARD END XXXX I REPORTED FRAUD XX/XX/XXXX {$470.00} NEVER EXSISTED ( **FOR TWO YEARS USAA TAUNTED ME TRYING TO RESOLVE** )?? HOW DID I REPORT THE FRAUD? see lette XX/XX/XXXX XX/XX/XXXX FRAUD CLAIM DATE {$470.00} USAA DID NOT INVESTIGATE FRAUD I REPORTED. The investigation did not Complete until XX/XX/XXXX with UNAUTHORIZED TRANSACTIONS CONFIRMED XX/XX/XXXX USAA Collections Rep XXXX ID # XXXX CONFIRMED CREDITCARD END XXXX NEVER EXSISTED.??? BUT I AM DELINQUENT AND USAA CLOSED CURRENT ACCOUNT REPORTING DELINQUENT. I was denied credit due to this with XXXX  XXXX ( documentation upon request ) AND XXXX NEVER EXSISTED?? THIS IS MY BALANCE THAT USAA CLAIMS IS DELINQUENT ON ANOTHER ACCOUNT THEY OPENED. CARD XXXX. DISAPPEARED WITH MY CREDITS.?? see attatched Transactions of fraud XX/XX/XXXX THE BALANCE {$470.00} LEFT AFTER MERCHANTS CREDITED. WAS WHAT I REPORTED CLEARLY ON CARD XXXX see attatched Transactions XX/XX/XXXX XX/XX/XXXX transactions ARE USSAs DISPUTES USAA REPORTED WHEN USAA DISMISSED MY FRAUD I REPORTED USAA TURNED INTO DISPUTES see Adjustment Purchases temp credits to begin investigation of these transactions XX/XX/XXXX. AND NEW PURCHASES XXXX OF THESE UNAUTHORIZED TRANSACTIONS* NOT IN MY FAVOR Adding additional {$470.00} see USAA response CFPB XX/XX/XXXX XXXX Mrs XXXX CONFIRMS USAA REVIEWED AND HELD ME LIABLE. Per USAA rep XXXX He sees credits need be made permanet BUT HE CAN DO NOTHING BECAUSE THIS WAS CLOSED CHARGED OFF AS DELINQUENT?? USAA Rep ID XXXX XXXX Collections Collects on ID THEFT?? AND INFORMS ME THIS ACCOUNT NEVER EXSISTED BUT I AM IN COLLECTIONS TO PAY CARD END XXXX???
Product: Credit card

I was a XXXX. We had credit card issued in the XXXX name the XXXX dissolved and the XXXX where suppose to pay the credit card out of the asset of the XXXX. The other XXXX decided not to breakup the XXXX and not pay on the credit card. Without me even knowing Chase reported the default on the card with a charge off on my credit report. After several letters to Chase for for verification and correction of the error I have never received a response and it is effecting my credit history and my options on loans etc. I even tried to write them a letter asking for their agent service in California so I can sue them. They just wont respond. I decided to report them to the federal government in hopes I can get some response from them. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 2 years I tried to fix problems with Transunion credit reporting. Interesting enough, is that, since i refused to sign up for their credit improvement program, the reporting got worse. Compared to XXXX, my credit score with Transunion is about 50 to 60 points lower. They seem to report negative factors only and when i file complaints with them I only get their standard, pre prepared answers. 
They do not list my car loan or my mortgage, which are paid 100 % on time and would raise my credit score significantly. 
Due to their unwillingness to report correctly, I have to pay higher interest rates with companies and banks that go by their numbers. 
It is hard to get them to change their behavior, since they do not have to follow any rules, but their own. 
I hope, CFPB can influence Transunion to fix the discrepancies in my credit reporting. A almost 60 point difference to other consumer credit bureaus is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE BEEN CONTACTING EQIFAX, XXXX AND XXXX FOR MONTHS NOW TRYING TO GET INQURIES, COLLECTION REMOVED FROM MY CREDIT REPORT. THEY TOLD ME THAT THEY WERE GOING TO REMOVE THE 22 PLUS INQURIES AND THEY HAVE NOT.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The items listed on my credit I don't know I was XXXX  from XXXX to XXXX and never used credit they need to remove them XXXX  XXXX XXXX  Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor 's CRAs XXXX report contains two ( 2 ) sets of two ( 2 ) collections accounts. 

The creditor requested a goodwill removal of two ( 2 ) collection accounts, which happened one day but was reversed the next. Then duplicates of the same collections account with the date assigned for XX/XX/XXXX, resulting in the dropping of the creditor 's credit score by more than 100 points. 

Currently, there are two ( 2 ) correct XX/XX/XXXX submissions : Account ending in XXXX XXXX XXXX XXXX with the date assigned of XX/XX/XXXX, is correct. 

Account ending in XXXX XXXX XXXX  ) has a correct date assigned of XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX is a company used by XXXX XXXX. I have had XXXX deposits not get there. It is in adp. Which is a connected distributor to XXXX. I did get a deposit on the first XXXX card One that is only good for 20 days. I got the other one activated it. I have not got a deposit since. I call hr and ADP each blame each other. On the XXXX XXXX  card website. All my direct deposit info is correct. Still no deposit. Why is it a problem? 
Thanks. 
XXXX XXXX. 
XXXX
Product: Credit card or prepaid card

XXXX XXXX Mastercard owned by Barclays, ending in XXXX, failure to remove a charge billed on XXXX, XXXX, XXXX for XXXX on XXXX XXXX for a cancelled flight by XXXX and US for dates XXXX. And failure to remove a charge of XXXX dollars for a charge to XXXX. Barclays charged me twice, once in XXXX on both charges and again in XXXX on both charges.. Barclays is no stranger for violation of credit laws. In XXXX I made purchases with my XXXX XXXX XXXX cards ending in XXXX, and XXXX, for failure to receive XXXX bonus points for every XXXX dollars purchased. I spent XXXX dollars on XXXX XXXX Purchases.. Never received the bonus points as stated.. They were not down payments. Barclays thinks this is very funny, because they think they will not get in trouble. Plus the reps have be very nasty. When you reach them after long wait times, they just hang up. Shame on Barclays. Thanks