23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Every month my wife and I receive phone calls and emails saying our split payments can not be reconciled and therefore not compliant to their system. We pay on the XXXX or XXXX of every month. 
XXXX we pay auto pay from our respective checking accounts. 
XXXX. We fear that Mr. Cooper is reporting information to credit bureaus that inaccurately state our payment history. 
XXXX. When trying to communicate with Mr. Cooper it is impossible to connect with a human person for under 30 minutes due to an intentionally complicated audex system, which discourages any conversation. 
XXXX. There are no communication options or alternative solutions on the website. 
XXXX. When they choose to communicate, they identify the company as a collection agency, not a mortgage lender. 
XXXX. The company had a total security breach in XXXX of all clients, constituting the largest outflow of financial information to date by any company, including credit bureaus. 
XXXX. Why hasn't Mr. Cooper been ordered to cease and desist their collection process or ordered to change their communication system and payment systems? The option of giving them direct bank information is definitely out of the question based on their recent security breach. We could have lost hundreds of thousands of dollars if we had given them that information. 
XXXX. Had I known about the reputation of Mr Cooper, I would have never consented for them to hold my mortgage, regardless of lending rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 DP OF EDUC, # XXXX XXXX  XXXX  has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Dismissed Date Filed/Reported XX/XX/XXXXReference # XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX IXXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2023 Prizm Financial ( The Lender ) sent a repo agent to my home to pick up my vehicle that was at that time still within the 10 day grace period. The agent stated it was for no insurance, so I sent proof of coverage and the repo agent was told that it was ok to leave the car. 
The Lender ( Prizm Financial ) never re-took possession of the vehicle ; however, they have charged a repossession fee of {$440.00} to my account. When I made a payment on my account today, I was told I still had a balance of over {$500.00} which was due now and was already 11 days past due. ( This is because they are trying to collect the repo fee instead of adding it to the timed balance of the loan ) per Ohio repossession laws. 
My complaint is, lenders and repo agents can usually charge a repo fee if they come into possession of the vehicle ; however, this did not happen. My account should not be {$440.00} past due for a repossession that never happened. Also, this is showing on my XXXX report as a repossession and has dropped my score drastically. This needs to be corrected in their system so that my credit report is also corrected. 

Lastly, I have waited for three weeks for documents that I have requested from several employees which was never emailed nor mailed to me. 

Please resolve the repo fee issue.
Product: Checking or savings account

I recently discovered that Citibank, which my wife and I have been customers at for 45 years, has been charging me interest for a line of credit loan that I never applied for. They say it was done at a cash machine. I know nothing about this line of credit loan. My wife, who passed away recently, took care of our Citibank bank account, and never mentioned this to me. A loan does not make sense as we have {$50000.00} in two checking accounts. I have asked the manager ( XXXX XXXX ) and assistant manager of my local Citibank branch at XXXX XXXX and XXXX in XXXX numerous times over the past more than two months for information about this loan - when it began, what was the amount, and what was the rate of interest, as well as a complete historical record of payments, both principal and interest. They say they are working on it, but I have not yet received a reply. I dont understand why it would take so long to find this information that should be easily accessible in their computer records. When I asked for a copy of our statements, so that my accountant and I could speed up the process, they refused to do soas well as giving me the name and contact info for her superior. The last I heard she was going back to 2013, to give an idea of how long this may have been going on.

I would appreciate any help you could give me in obtaining this information and in getting a refund of all interest fees that I believe should not have been paid.
Product: Credit card

XXXX  Capital One NA. the amount {$460.00} is appearing on my credited report. I never open up account for a card in XX/XX/2023. Never gave anyone permission to open one. They never provided any documents with my signature on it. I never Open up this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally got XXXX XXXX in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.
Product: Credit card

Discover claim some at corporate was going to resolve the issue. 
Its nothing but the run around. 

It all started from XXXX Harassing phone calls Etc. 

Story change one story after another.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX DEAR TRANSUNION XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau I HAVE NO KNOWLEDGE of credit applications made to the following companies which are now inquires on my 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  XX/XX/XXXX THIS IS FRAUDULENT AND I REQUEST THIS BE REMOVED IMMEDIATELY I also request that the information with my address and phone numbers along with aliases of my name be corrected i go by the name XXXX XXXX only.please remove any other names you have reporting falsely on my report. 

please remove any address that is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX this is my official request to have the aforementioned items to be deleted off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently after reviewing and obtaining a copy of my credit report I discovered that XXXX XXXX ( the original creditor ), reported an account as " Charged Off '' and sold to Jefferson Capital Systems , LLC, transferring a balance of {$1400.00}. The account initial opening date is XX/XX/XXXX tentatively ( transfer date in XXXX ). Despite several disputes filings date ( s ) XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX verbally and written and recently in XXXX requesting debt validation from Jefferson Capital has failed to report any change. XX/XX/XXXX a certified letter was mailed to XXXX XXXX XXXX, a representative listed and collection agent for Jefferson Capital Systems , LLC. requesting removal of the debt, to date no response has been received. Despite my efforts each investigation from the Credit Reporting Agencies has resulted unfavorable and continues to report as " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' I have included proof of certified mailings addressed to the Credit Reporting Agencies ( CRA ). ( see attachments ). According to the FCRA, Section 609 ( a ) ( 1 ) ( A ) required by federal law verification through the original signed consumer contract for all accounts posted on a credit report. ( see attachment ) To date, debt validation has not been satisfied according to the FCRA statue ( s ) my consumer rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting an account with XXXX  XXXX XXXX that should have been removed due to the 7 year rule.
Product: Debt collection

On XX/XX/2021, I've sent a certified mail to Consumer Adjustment to validate my debt. I informed the company that there was a 30-day deadline to send a validation mail to the given address in the letter, but no mail was sent after the 30 days. The company stated that I did not send a letter to them. I have in my records the certified receipt of the date that it was mailed to them XXXX XX/XX/2021 ), and the date and time that Consumer Adjustment got the mail delivered XXXX XX/XX/2021 ).
Product: Mortgage

I am trying to reach out to my Mortgage, Sun Trust Mortgage, regarding COVID-19 problems and hope to hold my payments for few months. They do not have an option on their web site to hold the mortgage payments. They do not answer the phone. I was on hold for 3 hours and they did not pick up. This is not right. I would like to file a complaint against them. All other Mortgage Banks are helping people. 

If you go to their web site, www.suntrust.com - There is a box for " Request Payment Relieft '' They have listed credit cards, line of equity, etc.. But, NOTHING ON MORTGAGE PAYMENTS. 

Please contact this lender to see why they are not doing anything on the Mortgage Payments. 

Thanks,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent them a letter stating that I wanted to opt out already but they still won't comply. 
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), emphasizing the necessity to ensure that consumer reporting agencies exercise their responsibilities with " fairness, impartiality, and a respect for the consumers right to privacy, '' I, as the Consumer, am asserting my right to safeguard my private information. This right is supported by 15 USC 6801, which underscores the obligation of financial institutions to respect customer privacy and protect nonpublic personal information. 
Equifax, is being the consumer reporting agency, must adhere to 15 USC 1681 section 604a section 2, which specifies that they can furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' The financial institutions, recognized as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, all falls under this category. However, neither these financial institution nor the consumer reporting agency, Equifax, possess my consent or written authorization to furnish this information. Revoking any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, I assert my right to control the sharing of my information with XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. 
Referring to 15 USC 6802 ( b ) ( c ), it explicitly states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to credit agencies failed to inform me of this right.

Furthermore, in accordance with the Privacy Act of 1974, governing the collection, maintenance, use, and dissemination of personal information by federal agencies, and the Fair Credit Reporting Act, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The reporting of this adverse item without my permission is a violation of both acts.

In compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) A, 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. 
Additionally, as per 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

Hello, I have inquired about the cash advances fee that was charged to my credit card in XX/XX/XXXX, and I was told it is regarding a cash advance made on XX/XX/XXXX, in the amount of {$43.00}. I have paid the fees monthly since XX/XX/XXXX and I should not have been charged at all. I have tried to get this issue resolved without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Roundpoint Mortgage has not handled the modification process in a timely manner. They take a very long time to review the information provided. Then they will request the information again as the previous documentation becomes outdated. Single point of contact will not return calls or get in touch with client in a timely manner. It took the XXXX XXXX about three months to be able to speak with him and multiple phone calls. Roundpoint keeps delaying the process and has not been actively trying to help out the borrower.
Product: Money transfer, virtual currency, or money service

i have money in my bank account but cant link it to XXXX
Product: Debt collection

This letter is to inform you that I am disputing this debt. After receiving a response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine. Please delete this furious account off my credit report.
Product: Mortgage

In XX/XX/2018, I reinstated my Seterus loan by making a payment of {$370000.00}. This reinstatement amount included past due taxes on the property for an amount of approximately {$250000.00}. During the reinstatement process, I questioned whether the {$370000.00} payment would bring my escrow account to a {$0.00} balance. Seterus responded that this indeed was the case. 

The following month, I received a statement from Seterus stating I have a negative escrow balance of {$140000.00}.  BetweenXX/XX/XXXX to XX/XX/XXXX, I have contacted Seterus via the telephone and in-writing to request a Forensic Audit of my escrow account. Seterus did respond ; however, they did not address the issue of the {$140000.00}. They simply provided details of all the payments that have been made from my escrow account. 

On XX/XX/2018, I contacted Seterus and spoke to a Customer Service Ambassador ( XXXX XXXX ) and she acknowledged that there indeed is an issue and she would take it upon herself to research the issue and assist me in seeking resolution. She indicated that she would follow-up with me in a few days to provide an update. 

Between XX/XX/2018 and XX/XX/2018, I have called multiple times requesting that XXXX contact me. I have yet to receive a response. On XX/XX/2018, I spoke to a Customer Service Manager ( XXXX XXXX ) and she offered to research the issue and follow-up with me. XXXX did indeed do some research and she landed at the same conclusion that there is an issue. When I questioned next steps, she simply stated there is nothing that she can do. 

With further research, I have also determined that my reinstatement amount of {$370000.00} included penalties and interest for {$70000.00} while I was making payments in a timely manner. Since I was on-time with my payments and since I paid the amount to Seterus, I would like a refund of the {$70000.00}. 

Seterus representatives have no interest in assisting me seek resolution to this issue be it over the phone or in writing. I am amazed by the lack of Customer Service by a company that prides itself upon being a XXXX subsidiary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested Equifax to renew my Extended Fraud Alert for a new 7 year period they refused saying I needed a new Police Report I am not filing another report this is a renewal not a new request they have no right trying to burden me a ID THEFT VICTIM telling me to file a new report and send them a new copy I am not going through that again
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$1200.00} on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid and needs to report a {$0.00} balance. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. My credit card balances are incorrect for 2 months. I contacted XXXX XX/XX/19. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's XXXX, XXXX and Equifax responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score. 
XXXX. I tried to speak to someone to make corrections, but got disconnected. Also on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Dispute was submitted to Experian, XXXX and XXXX concerning the false and malious reporting of an account to my credit profile. The account from XXXX XXXX XXXX is false and misleading i have no knowledge of this company nor have i ever been in business with the company listed above. The company is reporting false information to my credit report of which i would like any and all information and accounts associated with the Company XXXX removed from all major reporting agencies
Product: Debt collection

Altran Financial aka United Recovery Systems continually calls my cell phone number looking for XXXX XXXX. This number is new to me as of XX/XX/2015. They have stated multiple times that they will remove my number from their list but I still get calls. This has been going on for 6+ months.
Product: Credit card or prepaid card

See attached letter. 

- Identity Theft Report - Proof Of Identity - Noticed to Furnishers of Information
Product: Credit reporting or other personal consumer reports

Had a hard inquiry to XXXX credit report on XX/XX/XXXX. XXXX Milestone XXXX. Called on XX/XX/XXXX, spoke with XXXX and explained I did not request or authorize a card or credit check. XXXX stated the looks like identity theft and would block the account and report it. Also he would have the inquiry removed from XXXX.