23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It started with them buying my loan from XXXX XXXX. 
Mr cooper called a few times. Said I was behind on mortgage. I said I was not. It was a dispute from the start. They ended up being right but I fixed the problem and made the payments once I was aware and proved wrong. Then I went into forbarence after that. 
My son suffered XXXX XXXX. I had to take off work and I lost everything. I went into forbarence in XXXX until XXXX when I sold the house and the loan got paid in full. There should be no credit hits but for some reason it shows I'm 60 days late in my.credit report. Every time I try call Mr cooper home mortgage. It goes to automation and it's almost impossible to get to a person for help. The only way I have been able to get to a person is by directing me to the refinance dept. Which couldn't help but with my story transferred me. I made around 4 phone calls over this hit on my credit. Each one took over an hour and I got a different story every single time. One person said they would send me all the proof of payments saying I was not late. So I got off the phone. Checked my mail and it was a blank email from Mr cooper. 
The next person said I was late in XXXX. But I went into forbarence in XXXX. Right after my XXXX payment. I made my XXXX payment on XX/XX/XXXX. I was already struggling. Then went into forbarence. 
Now I'm trying to start all over with my family and I can not put an offer in on the house we want to buy because of this 60 day late credit hit that should not be on my credit report. 
Mr cooper home mortgage has been the worse company I have ever done buisness with.
Product: Credit reporting, credit repair services, or other personal consumer reports

account number XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. at this point I feel as if I am being bullied! 

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested
Product: Money transfer, virtual currency, or money service

Ive gotten multiple charges and unknown companies and multiple unauthorized transactions. My most recent case of this situation happening was in XXXX XX/XX/XXXX Ive gotten XXXX charges from XXXX in a XXXX minute time span with XXXX of them being a full out transaction which I did not authorize or want to happen totaling to ( luckily I had cause app coverage on so my own money wasnt taken ). Also been charged from XXXX XXXX  since XXXX XX/XX/XXXX and my most recent charge from them was XXXX XXXX and other companies or websites such as XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX many more.
Product: Credit card or prepaid card

I have been trying to make my payments online for months. I have never received a credit card or a statement. I have called and attempted to get it resolved that way also. I have been assessed multiple fees and have had my credit impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an account on my consumer reports as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was closed and charged off by the company. Per the IRS anytime a debt is charged off, the company is supposed to issue a 1099c form to the consumer so that the consumer can report this information on their taxes as income. By having to report it as income means this is now considered a debt turned income once the company decided to charge off the debt. Income is not allowed to be reported on any consumer report, therefore the account with XXXX XXXX XXXX should not be reporting on any of my consumer reports as any type of charge off account. This is illegal to report. They are tarnishing my reputation and negatively affecting my life. My credit is also negatively affected due to their false and misleading reporting of the alleged accounts hindering me from obtaining any goods and services without being discriminated against due to having negative accounts being reported on my consumer report.
Product: Debt collection

A collection was placed on my credit report for an application fee for an apartment building and associated returned payment fees. I do not believe that the company that made the report on my credit is legitimate and the information I have found about the company online is suspect. I have had the collection removed from my credit report and a fraud alert placed on my social security number. Despite the credit bureaus removing the item from my report, I continue to receive emails from the company requesting funds. 

The name of the collection company is XXXX XXXX with an address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The apartment that this is allegedly for is The XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX when I became aware of the collection on my credit report. Upon comparison of the information for the applicant, it was agreed that I was not the person who used my social security number. Weeks later, I received another call requesting funds. After numerous exchanges, I submitted a dispute on my credit report which resulted in the collection being deleted, however I continue to receive invoices from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two letters From Equifax during the month of XX/XX/2020 which stated " We were unable to locate a credit file for one the following reasons, I do not have a current file, I have not applied credit recently, I have not actively used credit in the past ten years. It makes no sense and simply unacceptable when Equifax just responded to my recent dispute 2 weeks ago. This is nothing more than a simple stall tactic used by the automated data furnisher e-Oscar pacer system. Equifax has and CONTINUES to violate the Fair Credit Reporting Act Sections 605b,609, and 611.  Equifax has not provided accurate verification within the 30 day allotted time. Equifax has not issued a block after within 4 days of being notified by a consumer of the fraudulent accounts being reported due to identity theft in my identity theft report completed by the Federal Trade Commission. Equifax has a removed and account in error which was never requested to be disputed on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT THEM A DEBT VALIDATION LETTER ON XX/XX/2018. THEY ARE UNABLE TO HARD COPY PROOF VALIDATE THE DEBT.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it's stated to remove incorrect accounts from reports. Please verify the documents ; there are inaccuracies on my report causing distress and discomfort.
Product: Debt collection

had a prior complaint ( Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Debt collection Issue : Attempts to collect debt not owed ). I did not receive a copy of the original settlement letter from Zwicker and Associates stating the amount and terms of the agreement. I need that from XXXX or Zwicker and Associates. They stated an amount but they did not send documents or proof of agreement.
Product: Debt collection

I receive multiple calls from this business daily, every single day. The one time I did answer, it was a robocall saying it had a message for a person that wasnt even me. I will include screenshots of how often they call me, including the numbers they call from ( they call from separate numbers ).
Product: Credit reporting

On XXXX XXXX, 2016 I first became aware that me and my family have become victims of identity theft. Since then, I have pulled my credit with XXXX, Equifax and XXXX and came to realize that a plethora of accounts have been established, some of which are even still open, under a different name amongst several other contact and personal information. Apparently, my social security number and date of birth were used to open over XXXX accounts some of which have dated back over a year ago. I have since started and have subsequently almost completed this process of disputing and verifying my identity with XXXX and XXXX and have now moved on to Equifax. Also, I am unable to speak with anyone concerning my credit file as there is apparently a freeze on my file, a lot of good that did, and have found that utilizing this method to be the most efficient in trying to get my life back together. I was first made aware of this from my banking institution. As of today, my name, phone number and almost all of the accounts currently reporting on my credit file are indeed not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights XXXX5 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.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

MY NAME : XXXX XXXX XXXX XXXX XXXX TODAY 'S DATE XXXX SS # XXXX ADDRESS XXXX XXXX XXXX XXXX NY XXXX i have requested my consumer report from innovis XX/XX/year> i have noticed a fraud account. ACCOUNT NAME : XXXX XXXX  STATUS : CHARGED OFF ACCOUNT # : ... XXXX HIGHEST BALANCE {$34000.00} CREDITOR CONTACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX I ASK FOR THIS ACCOUNT TO BE PROPERLY INVESTIGATED AND TO BE DELETED AND REMOVED FROM MY INNOVIS CONSUMER REPORT US CODE 15 1681 E ( B ) 15 US CODE 1681 ( 5 ) US CODE 15 1681C US CODE 15 1638 US CODE 15 2509 US CODE 15 1679C
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has tagged me with a phantom account and reported it to XXXX, XXXX and Experian. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with XXXX, XXXX, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on XX/XX/XXXX.
Product: Money transfers

The money transfer agency gave me a rate and the amount that would be paid when the money is received in XXXX. It is less than the amount thats on the receipt I have. This is not the first time that this has happened. A few months back, when it happened the first time, I contacted the agency offices here in XXXX and filed a complaint. Ive contacted them again several times this time, but they havent resolved the problem.
Product: Debt or credit management

I would just like you to fully verify that the information reported is 100 % accurate Otherwise please removed from my credit.
Product: Mortgage

I am approved for HAF through the state of Florida. HAF claims to have sent my past due amount to Caliber Home Loans at the beginning of XXXX for the amount of {$5300.00}. HAF shows that this check has posted, but nothing has been applied to my account from Caliber. I have tried to message Caliber online about this as well as sent them my award letters from HAF, but they respond asking me to call. I have called their number for the past 3 days and have waited over 2 hours each time and never get through to talk to a person. Additionally, I was approved for 6 months mortgage payments and XXXX has not yet been applied either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Four fraud and inaccurate accounts are reporting under euqifax credit reporting agency, these accounts are fraud and inaccurate accounts reporting under equifax, i had provided equifax with my police report that I at some point i had been a victim of ID theft, but they have not been helpful at all, as a consumer i demand that this inaccuracies get removed from my credit file. please find attached my police report and have them to remove these inaccuracies thank you
Product: Debt collection

XX/XX/year> cancelled insurance with XXXX XXXX and I was informed that nothing else was owed because I paid the last part of the insurance. 

I requested the purchase agreement which is the presume debt that this company is claiming that this debt belongs to me and if this account also states that is open or late which is another violation. This is a violation of FTC is this is not provided. 
under the 15 USC 1692G and 15USC1681s Also they they had not provided proper Debt Validation letter. 

Under the fair debt Collection Practices Act ( FDCPA ), 15 US code 1692 G. I am entitled to request a validation of debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you. 
You must provide the following allege information to me within ( 30 ) days from your receipt of this letter. 
Creditors Name and Full address Name of Debtor of record Full account number Amount of Debt Due date of Debt Original charge off or Delinquency Date Explanation of how the debt was calculated Name of the Collection Agency or Owner of Debt if applicable Amount paid if Debt was purchased Completed and executed agreement, including signature pages of the debt. 
Contract that I signed proving the debt is mine and that this amount is due to this debt collector
Product: Mortgage

Bank of America comitted fraud in establishing my mortgage. I filed a complaint and a representative named XXXX XXXX responded with a number of lies I have reached out to him on 7 different occasions and he has refused to return any of my calls.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and data breach where my information was compromised and used without consent. I submitted the FTC report to XXXX equifax XXXX and disputed the account twice XXXX XXXX and they are saying its verified when it was filed as fraudulent and not my record. I contacted the creditor. I will attach a copy to the report According to the fair credit reporting act 16 CFR 681.1 you are not following the proper protocol how are you reporting information that's not mine. Please remove this from my report as it is causing damage I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

i looked at my credit report last month and noticed a few fraudulent accounts
Product: Credit card

I paid my balance in full. The company charged interest 28 days after the balance of {$2.00}. They then charged me a {$40.00} late fee and charged interest. Now my {$2.00} interest charge has resulted in {$80.00} fees. 

I spoke to XXXX who spoke over me, would not answer questions, and was exceptionally condescending. They agreed to refund my account {$15.00}. I closed my account and asked to be escalated at which point I was escalated to XXXX a senior account XXXX. Nothing was done to resolve this issue and I believe that this is a fraudulent trade practice taking advantage of consumers. I paid my balance in full and yet this was still an issue. I've never had to file a report before, but this is dangerous, and they especially target young women. I have come to the conclusion that I may not see the money, but I do not want other women to be led to believe they have paid some and then spent far more in fees and charges than the actual item cost.
Product: Mortgage

On XX/XX/XXXX, my wife and I took a mortgage with HFC, now HSBC, which included a life insurance policy payment of {$120.00} covering both myself and my wife which was included and paid to HSBC in XXXX check with each bi-monthly mortgage payment. A total of {$940.00} ( every 2 weeks ). I could have taken a widow 's benefit on my pension, but it would have been a more costly deduction. On XX/XX/XXXX received a cancellation notice from a Co. named XXXX XXXX XXXX. of XXXX stating that as of XX/XX/XXXX my policy would be canceled. Upon calling HSBC at XXXX, I was told that they transferred my policy to XXXX in XX/XX/XXXX, as they did not handle insurance since than and that I was notified of that change. I was never notified. In fact, according to there web site ( XXXX ), they still sell insurance. I have always sent my insurance payment included with my mortgage payment every 2 weeks to HSBC. I was never told anything different. This not the first time that I have had problems with HSBC. A number of years ago filed a complaint with the state of XXXX after I had filed for bankruptcy which did NOT include my mortgage. HSBC stopped automatic withdrawal of my payments ( mortgage and insurance ) from my checking account, stopped paper billing, denied me access to their web site and changed my account number all without notifying me. After some time the state was able to correct these issues and returned my good standing with HSBC, although I still have to arrange for my bank to send the bi-monthly payments including the insurance made payable to HSBC, which thy have accepted and cashed and continue to do so. I think that I may have been canceled because HSBC may not have been sending the payments to XXXX. I have talked wit XXXX and they will not give that info or a reason why we have been canceled. I have made payments every XXXX weeks since XXXX of XXXX. On a premium stand point, I should be paid way ahead as I am with my mortgage. This Policy was supposed to be like a nest egg to incase one of us died the other would not have to sell the house unless they wanted to.
Product: Mortgage

I purchased my home on XX/XX/XXXX and on XX/XX/XXXX of XXXX my loan was transferred to Mr. Cooper for servicing. On XX/XX/XXXX a letter was sent informing me that my insurance coverage was insufficient and that a policy would be purchased on my behalf. Beings that Mr. Cooper is impossible to reach by phone I submitted a inquiry online, through the insurance web site provided and e-mailed a copy of my declaration page. According to their record my insurance policy term was from XX/XX/XXXX to XX/XX/XXXX of XXXX and my insurance was expired. I didn't even own the home during this period and my insurance coverage actually began 7 days prior to actually closing on the home. I have sent in the information on several occasions and have now received notice that forced placed insurance will be purchased due to compliance. I haven't even made my first payment on this loan to Mr. Cooper and they already can't keep accurate records. I also haven't owned the home even 30 days nor has my insurance coverage changed or been cancelled. This also includes that my first year premium was paid on my homeowners policy at closing.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I purchased a couch for {$1400.00} from XXXX XXXX XXXX and XXXX in XXXX, FL. The salesman informed me that I can pay half up front ( {$990.00} ) and half later if I choose to. I agreed to that. He informed me that he works with Acima Digital, XXXX. and I can finance the other half through them. This would be called the Early Option, and I chose that one. I read through Acima 's contract and calculated how much I'd need to pay per month in order to meet the XXXX Year No Interest terms, just to make sure I was understanding correctly. I even referenced the chart in the agreement ( attached ) and it reflected exactly what the salesman said. The problem is, that if I DID NOT pay the second half of my couch WITHIN XXXX DAYS, I would be charged {$2400.00}. No where on the page I'm referring to has ANY mention of that whatsoever, and the other language on the chart is extremely misleading. 

The contract is entirely deceptive, and the salesman not once mentioned this exorbiant fee. It is clear that he purposefully left that information out and lied by omission. There is only XXXX sentence in the agreement that even has mention of A XXXX Day Early Purchase Option. All other mentions of Early Purchase Option OMIT the language " XXXX Day. '' Please see attached for a copy of the lease agreement. You will see where the finances are laid out, but fail to mention or inform the lessee of the " XXXX Day Early Purchase Option. ''
Product: Debt collection

I don't owe this money It has been disputed and I have not received a response.  It continues to show up on my credit report.
Product: Debt collection

I recently checked my credit report and seen fraudulent activity.XXXX XXXX is saying I owe $ XXXXThe paperwork/Their proof is saying the debt belongs to a female.Iam a male and I will attach the proof. 



This fraudulent debt that belongs to a female I dont know of or never lived at the address thats on the paperwork/Their proof.This have cause me not getting approve for a new home and it became depressing not being able to provide for my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Credit Report # XXXX Equifax has continued to erroneously report the following items on my most recent credit report. Some of the items mentioned have been previously disputed and unmodified at all by Equifax. 

1- XXXX XXXX XXXX - XXXX ( balance showing on report XXXX ) - this account has been paid off with XXXX balance as of XX/XX/XXXX, yet 5 month later Equifax is the ONLY agency that continues to report that I have a balance with this company. XXXX XXXX XXXX has verified with Equifax and myself that there is no balance due on this account as of many months ago, but Equifax will not update the files 2- XXXX XXXX XXXX XXXX ( as of XX/XX/XXXX shows balance of XXXX ) - This account was papid and closed by consumer in XX/XX/XXXX.  However, Equifax will not update the file to show such XXXX balance. XXXX is reporting a XXXX  balance and account closed by consumer on all other credit agencies, but Equifax has not update data. This account should reflect a XXXX balance 3 - Inquiry - XXXX - Unauthorized inquiry that should be deleted 4 - Inquiry - XXXX - XX/XX/XXXX - Unauthorized Inquiry that should be deleted ***These inquiries were not made by me and neither was i notified of such.
Product: Checking or savings account

XX/XX/2023 - {$39.00} - XXXX XXXX XXXXXXXX XX/XX/2023 - {$14.00} XXXX XXXX XXXX  XX/XX/2023 - {$89.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 - {$89.00} XXXXXXXX XXXX XXXX  All charged between XXXX & XXXX XXXX This is all charged to an Associated Bank Debit Card while my wife was on lunch and the only place she stopped was XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, WI, by her work and went no where else! We believe someone at the coffee shop stole true numbers from her card and is committing fraud against her!