23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX it was brought to my attention by a letter that I received via postal service, dated XX/XX/XXXX that my XXXX had been turned off because my bank ( XXXX XXXX XXXX XXXX ) informed Mr. Cooper that my account had either been frozen or closed. 

After further investigation into this I realized what happened. In XX/XX/XXXX my mortgage with Nationstar was transferred to Mr. Cooper. Unlike other companies that automatically continue your autopay when the servicer is transfered. Mr. Cooper had me input on their website my bank routing number & bank account again. The last digit in my checking account was omitted. 

After months of dealing with the XXXX XXXX of Mr. Cooper & trying to resolved this & repair my credit that has been destroyed due to this error. I have gotten no where. Prior to this my credit score was 846, I have never been late on a payment with any accounts that I hold. I have 3 seperate mortgage 's & all are always paid on time. 

I received a monthly statement from Mr. Cooper that showed my payments as being paid each & every month until XX/XX/XXXX. Therefore, I thought that my payments were being made. I do not balance my personal checking account as I have a corporation & the majority of my bills are paid through it. I review all of my personal bank statements at the end of the year when preparing my personal tax information for my CPA. I met with the manager of XXXX XXXX XXXX XXXX yesterday. She looked into the matter & said that it was another merchant that Mr. Cooper was taking the monthly mortgage payment from until XX/XX/XXXX when that merchant noticed it on their bank statements. Mr Cooper re-payed them in XX/XX/XXXX. Which is when they reported a 60 day late to the credit bureau on me. 

As soon as this was brought to my attention in XX/XX/XXXX by Mr. Cooper. I brought my account current. Minus all of the late fees & bank fee 's that they charged me. They have also sent me a new XXXX for XXXX as they did not collect the interest from me. But did collect it from another party. 

They reversed several of the late fees but have not reversed all of them & still say that I owe an additional {$230.00}. But the worst thing is my credit is affected now! XXXX XXXX whom I carry a HELOC with on a property that I own free & clear, has canceled my line of credit because of this. I am a business woman & run a XXXX XXXX  along with being a full time XXXX. My credit is important to me & again I will reiterate. I do not make late payments to any accounts. You can see this by looking at my credit reports. The only one you will see is this one. 

I am asking for your help to resolve this with Mr. Cooper in my favor as I have no proof that this was an error on my part as they say it was. They claim that I entered my account number incorrectly. I find this hard to believe that I entered the account number 2 times in their system incorrectly as I know my account by heart. And, why did they not verify with my bank that it was in fact my account number. This makes me think that you could just guess an account number & put it in their system. Bank accounts should be verified!
Product: Checking or savings account

I began receiving unsolicited emails in XX/XX/2023 about a Chime account I did not authorize. In XX/XX/2023, I contacted customer support to request the closure of this unauthorized account. It's been almost a year later, and the account as still not been closed. 

The email linked to this account has never been verified, indicating a significant oversight in security measures. 

It seems no credit verification was performed before this account was opened. My credit records have been secured for several years ; a credit inquiry would have clearly revealed this. 

Additionally, this account has not been reported to credit agencies, which deviates from standard financial procedures.
Product: Credit reporting or other personal consumer reports

My Wife and I divorced as of XX/XX/XXXX. At that time she was responsible for paying the mortgage as is stated in the Divorce Decree and the Real Estate Side Sale Agreement. She changed the contact information on the mortgage account to her home address ( her sisters ' house ) and her email address, her phone number. 

After XX/XX/XXXX my x-wife was late on three payments, XXXX, XXXX, and XX/XX/XXXX, on the mortgage and the mortgage company failed to notify me by any means because my x-wife, per the divorce decree, was responsible for the payment and had changed the contact information for the account. 

When we sold the house on XX/XX/XXXX and paid off the balance of the home the mortgage company placed the three late payment records on my credit report. Again this was after the home was sold. 

I provided the mortgage company with the divorce decree and real estate side sale agreement documentation and they are refusing to remove the late payments from my credit report. 

Now because of the three late payments on my credit report, I am unable to be be approved for a home loan. I had been approved until those three late payments were added to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX held my student loans in the amount of roughly {$75000.00} since XXXX. I made payments for about XXXX years and put the loans in forbearance in XXXX because I went back to school for my XXXX XXXX XXXX. This forbearance then coincided with XXXX in XX/XX/XXXX. As was the case with all student loans, I was of the understanding that these loans were also covered by the XXXX governments ruling on suspension of payments. In XX/XX/XXXX, I was denied of co-signing for student loans for my son. I found out at this time that XXXX was still expecting payments, although I never received mail nor phone calls letting me know this information. At this time and the months/years that followed, they began informing me that the government would be taking over the loans and all past delinquencies would be wiped clean. In XX/XX/XXXX, XXXX became my new loan servicer and on the letter they sent, it states, '' Your student loans are no longer considered in default '', " Your previous loan servicer has notified credit reporting agencies to remove any adverse credit reporting that occurred because of the default ''. XXXX then went and reported default in late XXXX which has blocked me from co-signing student loans for my daughter. I have contacted XXXX directly and submitted inquiries through the credit agencies. XXXX not only refuses to comply with the letters, they outright refuse to remove this false information on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to complaint to express this account on my credit report XXXX  XXXX  XXXX that I believe was reported without my knowledge or consent. This account has had a detrimental impact on my creditworthiness and has negatively affected my ability to secure loans, housing, and favorable financial terms. As a result, it has caused me significant harm, both financially and personally. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate and fair reporting of my credit information. The inclusion of this unauthorized account is not only a violation of my rights, but it also fails to reflect my true credit history, which is a violation of the principles of fairness and accuracy mandated by the FCRA. I did not authorize this account to be reported, and I was unaware of any option to opt out of the credit reporting process. This account is causing me undue harm by misrepresenting my financial responsibility. Under the XXXX Amendment, I have the right to privacy and to prevent my personal financial information from being disclosed or used without my consent. I request the immediate removal or thorough investigation of this account. If you are unable to provide sufficient evidence of authorization for the account, I demand its removal from my credit report as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00}
Product: Money transfer, virtual currency, or money service

On about XX/XX/XXXX I ordered a small what I believed to be XXXX returns pallet from XXXX  that led me to believe they were a us company moany shipping from Tennessee. A few days later I still had no tracking number so I looked up the alleged address of shipment. It belonged to a legitimate company who does sell pallets of goods but stated they were not affiliated with XXXX  and that they already had notified XXXX, the authorities and the fbi for fraud. I contacted chase and filed a dispute. After a couple of weeks they reversed the XXXX claiming the merchant from XXXX provided a tracking and delivery. They never contacted me to dispute what was shipped. I received a small white bag with 2 knockoff drill bits. I contacted chase on XX/XX/16 to ask why it was reversed and they stated because they provided tracking and delivery nothing else mattered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and XXXX ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their report.
Product: Mortgage

I had sold my home, which had a loan serviced by Wells Fargo Mortgage in XXXX of XXXX. The person I sold it to had fraudulently misrepresented himself and did not pay off the mortgage. When I realized what had happened, I contacted Wells Fargo and reported the problem. They said they would look into it. A few months went by and nothing had happened. I then found out the FBI had arrested the " Buyer '' and charged him with mail fraud, related to the scamming of dozens of homeowners out of their homes. I contacted the XXXX and gave a statement, in which I was then entered as a victim to the crime. During this process, I was passing all of this information to Wells Fargo, XXXX Office of the President. Many more months went by, where Wells Fargo claimed they were looking into the issue. 

Finally, In XXXX XXXX, Wells Fargo made a determination. Unfortunately, they determined that the case was not related to fraud. I had asked how they made this determination prior to the courts and no response was given. 

In XXXX of XXXX, I received a copy of the judgment and restitution for the XXXX. A judgment was issued to Wells Fargo for the balance of the mortgage to be paid by XXXX XXXX. I spoke to the Victim Witness Coordinator who also sent a letter stating that I was not responsible for XXXX actions. 

After receiving the documentation, I contact Wells Fargo again and asked them why they foreclosed on a house they received a judgment for. That was in late XXXX, XXXX and it is now the middle of XXXX, XXXX. More than a year of asking Wells Fargo to look into this issue and nothing has happened, except for the destruction of several families lives and credit.
Product: Debt collection

I recently received notice from a law firm, XXXX XXXX XXXX stating that a lawsuit was filed against me by Capital Alliance Financial LLC. Capital Alliance is first attempting to collect on a debt that was discharged in court because they failed to appear in court after I objected to the accused charges. Some time has passed and the debt that is claimed that I owe is now time barred. The statute of limitation to collect debt in Michigan is 6 years. I find it unreasonable for me to have to take off from work to file a counter suit against this collection agency when they are knowingly breaking the rules established by the FDCPA.
Product: Consumer Loan

The issue I think I have at well fargo is I can not finish the lending procedures. I have feeling the Loans and credit cards I applied for were approved. unfortunately I feel the bank employees took the action of falsify or not finishing the lending procedure and told that they needed to verify a few pieces of information. when really just printed and mailed me a letter declining the account. 

the accounts applied for are a consolidation loan and a visa signature. I have applied for each accounts at least twice if not three times.
Product: Mortgage

I tried to work with PFCU to get my 50 % share of the escrow fund my ex cashed without my endorsement and noted in my court ordered divorce decree that I was entitled to 50 %. They told me I couldnt file a fraud claim with PFCU as they were only responsible for writing the check to both of us and that XXXX XXXX was liable. I have started a criminal investigation into this matter. The police informed me that under Federal Law PFCU has 1 year to send a hold harmless request to XXXX XXXXXXXX XXXX  and demand return of the funds under a forged Endorsement clause as my signature was not on the check. I want PFCU to start that process.
Product: Consumer Loan

About a year ago I went in to make a payment. The young lady that took my payment, and gave me a receipt. Now I have to mention, that I have been having some things happen unexpectedly that caused me to be late. 
I just submitted a payment on XX/XX/XXXX. I am being told that I did not make a payment XX/XX/XXXX. I personally took the payment in, however I ca n't find my receipt. I went 2 months back to back to get a car, when asked for my 10 day payoff, it was different. The amount went up {$200.00}. The salesperson even asked what kind of loan is this. The more I pay the higher my balance. I 'm starting to feel being that this happened before with my payment, that I 'm being scammed. The 1st lady that did it no longer works there, now the same thing with this young man. I spoke to this guy XXXX several times on the phone, yet I 'm being told that there are no notes on my account showing that I spoke to him. I even spoke to XXXX a word also is no longer there. At the time that I made the payment my foot was injured and I could n't drive, so I had someone drive there. Therefore I have a witness that it was paid. I just ca n't find my receipt and I 'm being told that they ca n't do anything without it, which I clearly understand, however I have a witness that watched me pay.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to EQUIFAX for authorizing to report incorrect personal information. I sent out my IDs with the my letters for so many times to correct the personal information but until this time no actions have taken care of. 

The correct spelling of my name is XXXX XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Credit Report Inaccuracies Under the FCRA To Whom It May Concern, I am writing to formally request an investigation into inaccurate and misleading information reported on my credit reports by XXXX, Experian, and XXXX. The inaccuracies pertain to the following account : Account Name : XXXX Account Number : XXXX Below, I have outlined the specific inaccuracies and the violations of the Fair Credit Reporting Act ( FCRA ) : 1. Inconsistent Reporting Across Bureaus The Date of Last Activity is reported inconsistently : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX This discrepancy violates FCRA Section 1681e ( b ), which requires credit bureaus to maintain accurate and consistent information across their records. Such inconsistencies harm my creditworthiness and mislead potential lenders. 

2. Incorrect Late Payment Reporting All three credit bureaus report a 90-day late payment on the account, even though the balance is {$0.00} and the account is marked as either " Paid '' or " Closed '' : XXXX : " Closed '' with a {$0.00} balance. 

Experian : " Paid '' with a {$0.00} balance. 

XXXX : " Closed or Paid '' with a {$0.00} balance. 

Reporting late payments on a paid or closed account is factually inaccurate and violates FCRA Section 1681s-2 ( a ), which prohibits furnishing false or misleading information. 

3. Unverifiable Information The Creditor Remarks and Original Creditor fields are incomplete : XXXX : " -- '' ( not provided ). 

Experian : " -- '' ( not provided ). 

XXXX : " -- '' ( not provided ). 

Under FCRA Section 1681i ( a ), all information reported must be verifiable. The failure to provide the creditor 's name and remarks renders the data unverifiable, and it must therefore be removed. 

XXXX. Late Payment Reporting After Account Closure The account is marked as " Closed '' or " Paid '' as of XX/XX/XXXX ( per XXXX ), yet late payments are reported after this date. This contradicts the account 's status and violates FCRA Section 1681e ( b ), which prohibits inaccurate reporting. 

XXXX. Denial of Dispute Rights The reports state " Account not disputed, '' yet there are clear inaccuracies. This misrepresentation denies my right to dispute under FCRA Section 1681i ( a ) ( 1 ), which requires that credit bureaus reinvestigate disputed items to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute items on my credit report with Transunion. 
1. Collection accounts - which i never got letter for example- XXXXXXXX - {$840.00} Never been to XXXXt, always had medical insurance 2. Late payments- XXXX ( Never prove the late payments, the loan was in deferment ) list five late payments -- I dispute the company 3. Bankruptcy according to the credit bureau- court told them, the law does not allow them to give that information out 4. inquiry
Product: Credit reporting

These two collection accounts are not mines. I have disputed with the company and with the attorney general of XXXX. I also never received notification of this debt and by law I have a right to dispute once I have been notified of debt. 

XXXX Address : XXXX XXXX 2 XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX - XXXX XXXX Address : XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX The two accounts below are the same and should be deleted. 
XXXX Address : XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX .... 
XXXX Address : XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX ....
Product: Checking or savings account

ON XX/XX/2018 I made a transfer out of XXXX for what I thought was {$290.00} but when it actually went through it was {$2900.00}. I got a text from Chase asking if approved the transaction. I texted back no but then realized it was approved, just the wrong amount. Chase then called me and I told the customer agent that it was approved, but the incorrect amount, I was then transferred to file a complaint against XXXX for the {$2900.00}. I opened the claim as wrong amount but somehow Chase made it a fraud claim. Three days later, I then called back to explain that it was not fraud but wrong amount dispute. Chase helped me reopen a claim and said everything would be fine. However, two weeks later I got a letter in the mail that both claims were closed and my temporary credit was being revoked on or by XX/XX/XXXX. I then recalled Chase and reexplained the situation and they helped me reopen a claim which was again denied and my credit revoked. I contacted the merchant ( XXXX ) multiple times throughout this process and they keep insisting they have returned the full amount ( XXXX ) to Chase because of a claim that I had filed. However, both my temporary credits were revoked and Chase had at that point closed all three of my complaints without giving me my money back. At the same time, the balance which was in my XXXX had all XXXX removed. As a large corporation, I trust XXXX as they e-mailed me multiple times : XXXX from XXXX here. I am an account specialist and I will be managing your case moving forward. 

1. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX CDT Hi XXXX, It looks like your payment of {$2900.00} made on XX/XX/18 was disputed by your card company and caused loss on your account. The held funds in the balance were used to recover this loss. 

I would recommend reaching out to your card issuer, as it looks like they have filed a chargeback for this payment so they would have reimbursed you. 

2. XX/XX/XXXX Thanks for following up. I can confirm to you that the funds from the transaction you are referring to were returned back to your bank as part of the chargeback dispute. Please note that these can take up to 90 days to process by your bank. If you bank is claiming that they denied the claim, you will need to recover those funds from them as they have been returned to Chase at this time. 



I am now stuck as Chase refuses to do anything becuase they say I filed an unauthorized claim when it was authorized as an agent had called me and I said it was approved. However this is not exactly the case. ALso, XXXX insists they have returned the funds to Chase but my account is still absemt of XXXX. I would just like for the funds to be returned to me and not be caught in a cycle where both the bank or merchant refuse to do anything.
Product: Credit reporting or other personal consumer reports

I have sent your company numerous of disputes. You are not abiding by the US Federal Law with FCRA. I am trying to dispute the ACCURACY of the account. I am not trying to validate these accounts I need accuracy on my accounts. After your investigation, I have seen you violate the law again. The account " DIVERSIFIED ADJUSTMENT ( Original Creditor : XXXX  ) '' is INACCURATE & INCOMPLETE. They sent XXXX Balance is {$0.00} and XXXX Balance is {$1400.00} for a Collection. Proof has been provided. They sent XXXX XXXX XXXX is {$0.00} and XXXX XXXX XXXX is {$1400.00} for a Collection. Proof has been provided. Overall, this account should be deleted after your investigations are not accurate. They want money for inaccurate account. This shows sign of fraud to lenders when they view my credit report. In addition, I viewed the aacount of " XXXX '' which is reporting longer than 7 years. According to FCRA this account should be deleted after three years. Proof have been provided. Date Opened on this account XX/XX/XXXX It has been 7 years as of XX/XX/2023. Please delete these inaccurate accounts in the attachments. Please process my 6 letters in the attachments and other evidence. Credit report been provided.
Product: Debt collection

I have XXXX XXXX  that would have covered my medical so these charges are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I love my XXXXXXXX XXXX but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.