23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I submitted an Error Resolution Notice under 12 C.F.R. 1024.35. This letter was received by Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX ) on XX/XX/XXXX, as USPS has verified receipt of the letter and signature by person XXXX XXXX. 

As at the time of submission of this report on XX/XX/XXXX, I have not received an acknowledgement to the letter or investigation from Mr. Cooper, despite several attempts to correct an issue related to multiple erroneous charges for Mortgage Insurance ( NATIONAL MI  ), totaling {$3000.00} in excessive withdrawals from my mortgage escrow account, all being delivered to NATIONAL XXXX which is owned by Mr. Cooper. 

Here are the facts : 1 ) My mortgage was purchased by Mr. Cooper from XXXX on XX/XX/XXXX. This mortgage only started on XXXX of XXXX after a re-financing from a different bank. 
2 ) For the months of XXXX and XXXX, Mr. Cooper has withdrawn {$510.00} a total of EIGHT ( 8 ) times each, for the concept of Mortgage Insurance, and paid to NATIONAL XXXX despite the mortgage only having been in Mr. Cooper 's portfolio for 2 months. Six ( 6 ) of these withdrawals are erroneous and need to be credited back. 
3 ) I have contacted Mr. Cooper several times as follows : - Over the phone twice on XX/XX/XXXX - Over email ( secure message ) on XX/XX/XXXX - Over email ( secure message ) on XX/XX/XXXX - Over error resolution notice ( physical mail ) on XX/XX/XXXX, signed delivered XX/XX/XXXX I kindly request the assistance of the CFPB for resolution, as my mortgage escrow is now in negative balance. I believe this is a result of a systems glitch in Mr. Cooper 's transfer of my mortgage to their systems, which is going to result in a charge of {$510.00} multiplied by each month of life of my mortgage every single month, rather than a single charge. This is exponentially going to accrue to hundreds of thousands of dollars of erroneous withdrawals unless Mr. Cooper takes immediate action.
Product: Checking or savings account

My name is XXXX and I currently have a checking account with wisley adp and I have a disputed charge that is being investigated. I called to dispute the charge and they tell me in order to get provisional credit I have to get a form in the mail, fill it out and send it back by a certain timeframe that would be impossible to make, I then asked and spoke to a supervisor who promised me that they would escalate the situation and I would see a credit within XXXX hours and that never happened. I talked to another supervisor and they told me that provisional credit would be impossible without the form and now its even less time since the first supervisor so now Ive been lied to and have no time to receive, fill out and send back the form within the deadline and I want justice seemed for both the dispute and the falsifying of actions to my bank account
Product: Credit reporting or other personal consumer reports

Wallet was stolen and several credit accounts were used fraudulently to open accounts and inquiries.
Product: Debt collection

I had my tax return forfeited to the city/state incorrectly for a home I previously resided in but did not own.I did not reside or work in the state or city at the time of requested debts owed.
Product: Student loan

Navient services my federal student loans. During the payment pause they have been charging me late fees and interest and keep requiring me to make payments even though the payments are supposed to be on pause and no fees or interest charged. They have done this consistently throughout the student loan pause for COVID
Product: Credit reporting or other personal consumer reports

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is REQUIRED to be REMOVED. 

** Original complaint XXXX was submitted on XXXX **
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX packets via certified mail to Equifax on XXXX XXXX  and again on XX/XX/XXXX which contained proof of identity, a police report, FTC report, notarized identity theft affidavit, an XXXX report XXXX copy of my credit report with the fraudulent information, and a copy of the Fair Credit Reporting Act Section 605B which states the laws they have to obey and my rights as a consumer. 

Equifax is treating this case as a dispute. I did not initiate a dispute or investigation/reinvestigation with these accounts. I submitted a request to block this fraudulent information according to the Fair Credit Reporting Act Section 605B. 

Equifax is in clear violation of the law and this is my last time I will consider settling this matter if it is not taken care of I will contact an attorney and sue Equifax.
Product: Vehicle loan or lease

I've reached out to NISSAN MOTOR ACCEPTANCE and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report which violates federal law. 

Account Name NISSAN MOTOR ACCEPTANCE Account Number XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Student loan

Contacted PEAA several times and requested to speak to a supervisor and no one will discuss or fix my account. I left school in XXXX and have been billed for student loans BEFORE my consolidation request has been completed starting in XXXX, violating my 6 month grace period provided under federal law. Additionally, the consolidation request was modified without my permission and I have requested several times for this to be resolved and it has yet to be corrected. Finally, the total balance is NOT matching my records of how much I 've borrowed and no one is available to explain the discrepancy to me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX  XXXX XXXX  and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX Account number : XXXX XX/XX/XXXX Account name : XXXX Account number : XXXX XX/XX/XXXX Account name : XXXX Account number : XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Postal Service
Product: Credit reporting or other personal consumer reports

I Received my credit report on XX/XX/XXXX and noticed there were hard Inquires that dont have Permissible purposes to be on there. Theses Hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times especially Equifax and XXXX Multiple times they keep Violating my rights Under 15 USC 1684b. Below are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have no account associated with these companies no authorization.
Product: Debt collection

As of XX/XX/XXXX I sent a certified letter to Midland Fund requesting validation of a debt {$500.00}, Requesting details 1-6 requesting validation. 

XX/XX/XXXX Midland Fund responding stating They were uncertain of what I was disputing, requesting a written explanation and documentation demonstrating any errors. 

XX/XX/XXXX I responded with another certified letter requesting a validation, requesting details. I have yet to received a response validating this account belongs to me. 

This account is still reporting on my credit report and showing negative impact.
Product: Credit reporting

Equifax refuses to adjust the account with State of Oregon Child Support, account # XXXX, from what is currently showing as a monthly payment amount of {$2800.00} to {$0.00}. The correct monthly payment amount is {$0.00}. Equifax claims that it has verified the monthly payment amount, but this is not so. The correct monthly payment amount is {$0.00}, and not XXXXXXXX has refused three times to correct this. See below, which I have cut and pasted from the State of Oregon Child Support Payment History web page : Payment History Log Out Print this page Help : Case Status Definitions Help : Case Status Definitions Obligee : XXXX, XXXX XXXX Obligor : XXXX, XXXX XXXX Case Number : XXXX Court-Ordered Amount : {$0.00} Case Balance : {$1200.00} If you were expecting a tax payment and have not received it, go to Holding Tax Payments. 

If you are a title or escrow company, please contact the Program 's Title and Escrow Assistance Desk for the total owed on a case. 

Pending Payments : {$0.00} Enforceable Balance : {$1200.00} Status : Judgment Office Information : DIVISION OF CHILD SUPPORT XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX
Product: Student loan

Unsubsidized loan payment count is totally wrong. MOHELA is showing me as having more than 25 years of payments left, despite the fact that I already have about 10 done. Subsidized payment count is closer to correct. MOHELA can not tell me what payments I can expect to count during the IDR one time adjustment, or why they will happen. They can not tell me what my payment would be on SAVE if I were to switch to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Constant multiple calls, verifiable via phone records. spoke to them once and made an offer to pay acct proir to summons, declined
Product: Credit card or prepaid card

Mid XXXX our XXXX XXXXXXXX XXXX Rewards credit card was involuntarily transferred to Goldman Sachs AKA Marcus. Since that time, we and thousands of other former XXXX XXXX users have been unable to view our account on line as regards to charges, balances, rewards total etc. We have made at least a dozen attempts via internet and phone to correct this issue to no avail on line and receiving apologies and unfilled promises to correct the problem via phone. It is well over two weeks since we have been able to view anything regarding our account. We think you would agree this is unacceptable behavior for a financial company.
Product: Checking or savings account

I called Wells Fargo. I transferred from my savings to checking and it exceeds the day so I get cha. They said that if I have overdraft charges I should see the issue on my mobile app. I have been banking for years and now I keep getting overdraft fees that just have no sense if I'm transferring from same bank to my checking from savings account just making no sense
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : 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/year> 15 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 a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I had a hard inquiry pulled under my name that showed up on my credit wise ( XXXX XXXX ). The inquiry was made from Barclays Bank in Delaware for some reason. I have never stepped foot in Delaware. Anyway, I called Barclays that same day and asked them why they did all of this to no avail. They said they dont see anything there, not sure what happened to the inquiry and to call my own credit line ( XXXX XXXX ) because they never inquired about a line of credit. It was extremely frustrating because I have no trust with Barclays Bank anymore and sure enough I had to give my social name address just for them to verify it was me and then tell me they didnt do it which is clearly false as I can physically look at the letter they sent me rejecting my new line of credit. I also did personal investigating and on XXXX reviews the Barclays Bank is full of reviews stating this is a fraudulent bank they inquired a new line and the list goes on. Countless people who have the same situation as me. This is extremely concerning.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  after being denied for an apartment, I pulled my Consumer credit report and found that possible violations of my consumer rights according to TITLE 15. 

A XXXX XXXXXXXX XXXX is negatively and inaccurately reporting an old credit account I had with them as a CHARGE OFF Status on my consumer credit report. 

This account was a XXXX XXXX XXXX funded by me, the account holder. 

XXXXXXXX XXXX XXXX  is reporting against this account as if they suffered some type of damages. They did not loan any monies to fund this account. All monies were provided by the account holder when the account was opened. 
XXXX XXXXXXXX XXXX  did not send me at 1099C if they did Charge off this debt. 
XXXX XXXX XXXX is reporting my performance on this account which was a XXXX XXXX. 
I was not given any notice before this information was added to my consumer report. 

The reporting of this inaccurate information is harming me and hindering me from obtaining services on credit. 

Per 18 USC 1028 ( a ) Since I did not give permission for them to provide this information to my consumer credit report, this would be considered Identity Theft.
Product: Debt collection

In XX/XX/2022 I moved out of XXXX at XXXX XXXX. I left in good standing. When leaving I asked the manager to do a walkthrough, she said it wasnt necessary and told me to leave the keys at the office with my forwarding address. I did. Havent heard from them since moving. Received a notification on my XXXX XXXX  saying there was a collections report filed by them. The next day I contacted both the manager and regional manager and received no information. When calling the collection agency they said I owed XXXX due to damages. Never got my security deposit back and did not receive any phone calls letters or emails from residence at XXXX XXXX saying I had a balance.
Product: Mortgage

On XX/XX/XXXX I mail a check to my mortgage company which is PHHMortgage I sent out a check in the amount of {$1600.00} and I decided to check in on it which I do every month around the XXXX the company had not received my check so I told him I will few more days around the XXXX a call back they still said he hadnt received it so I waited till the XXXX I called back again and he said he still hadnt received it so I was told to withdraw the money out of my checking and word to them which I did they received it on XXXX PHh And then I asked them to stop payment on their end on the check number XXXX and then I will go to my bank XXXX  and stop payment which I did and charge me {$30.00} for stopping a payment on a check then on the XXXX I get a low balance text from my bank stating I am overdraft {$1600.00} the bank notified me that PHH sent the check to they were holding it in the checking department all this time and told me that it was lost somewhere and then he reported me to the credit bureau 30 days late which they have possession of the check the whole time
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have discovered fraudulent accounts and hard inquiries present on it, please dispute these following information, XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX, XXXX opened XXXX XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX, XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX.
Product: Credit card or prepaid card

An application was filed in my name to Bank of America for XXXX XXXX XXXX credit card. I received an email from experian On XX/XX/XXXX and XXXX 2022 of an inquiry thru BOA. My wife called BOA and had the card shut down and then she locked down our credit thru XXXX  and others. We were requested to fill out a fraud claim in this site to document the incident.
Product: Mortgage

We have been trying to get a mortgage loan closed since XXXX. We applied and were approoved bavk then. The problem is the mortgage company wo n't close the loan. They keep asking for the same info over and over again only to wait too long to close so we have to do it again. The mortgage brokers are XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX. The bank is Pacific Union Financial XXXX XXXX XXXX We have resubmitted all the required info several times. A month back I reported them to the XXXX and that seemed to help, but then this week they promissed to close yesterday ( tuesday ) but did n't so now we have to resubmit everything again and wait for another closing day. I 've lost a lot of revenue from my job because I 've had to miss work so many days waiting to close only to not get it done. As I said, this has been going on since XXXX and it is my understanding that it should only take XXXX4 weeks.
Product: Credit reporting or other personal consumer reports

I tried to apply for credit and was denied based off of reports from XXXX, XXXX, and Equifax reporting negative information on my credit report without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX I applied and was approved for a capitol one Walmart credit card. A week later account was restricted because capitol one called saying someone fraudulently opened a account in my name. When I informed them that it was me I was told I needed to verify my identity. At first I sent them my Tx. CDL, my Social security card and a bank statement from my credit union to which I was told they could not verify because the account numbers were blacked out. I then sent a XXXX bank statement with my current address and was told that my documentation address did not match my account address. Then a couple of weeks later I spoke to a fraud manager XXXX and explained that when I applied for this account I was in the process of moving, XXXX told me to send documentation with my old address and that would clear up the matter. Now it is XXXX and still Capitol One fraud department can not figure out my identity, even though I have 2 other credit cards and a auto loan with capitol one. And I am paying on the Walmart credit card from the same account ( XXXX ) to the other capitol one accounts of which is on the documentation I have already provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

the items listed above are recorded due to fradulent and unauthorized inquiries on my report please delete all hard inquiries. 

-cXXXX 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 card or prepaid card

XXXX im ' not gon na sit here and say that in a courthouse, everytime ive written you, an objection here and there and maybe i would not of even be allowed to express why they XXXX up not my problem ... 

today i got a letter from chase bank i love how they go we completed the research if your claim, we all know its a 3rd party company usually fbi who decides for chase the outcome ... .and btw, i never knew that chase bank wasnt kocated in manhattan rather XXXX  XXXX XXXX, texas XXXX XXXX 
acct ending XXXX claim # XXXX im ' gon na send you the letter they sent me tomorrow. and ill keep it simple call them fax my letter and ask chasevid that is what they sent me? when they go yes can you please show me on those two pages somewhere at this timebyou entered your pin number for your debit card? not there..how about my signature to verify that i bought the item disputed? oh its not there but they go XXXX me and were making you psy for it. next ask them if my name was on a flight the following day? so how the XXXX one person two diff dates onevaftervanother on both planes? add no signature no pin number?