23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX Mr. Cooper formerly Nationstar emailed me and sent a letter notifying me that XXXX had sold them my home loan. A few days later I received a letter in the mail stating the same thing. The effective date of the transfer was XX/XX/XXXX. In that same email they said that they would mail me additional information in about two weeks. I received no payment information for XX/XX/XXXX. I received no written statement of debt : where should payments be made, no monthly statements, no information about what to do if I wanted to seek a new loan company, etc. On or around XX/XX/XXXX I still had not received a monthly statement for payments to the new company. I called Nationstar/Mr. Cooper was was told that I could sign up online to make payments. I told them that while I would sign up, I was requesting that an actual monthly statement be sent to me. I should as required by law be provided written information about my debt. Nationstar/Mr. Cooper never sent a XX/XX/XXXX bill/monthly statement and never informed me of the amount due for XX/XX/XXXX. I eventually just paid the same amount I had previously paid to XXXX. Each time I called I got random answers about why they were refusing to send me a XX/XX/XXXX mortgage statement or bill. Once again - Nationstar/Mr.Cooper refused to send a XX/XX/XXXX bill/mortgage statement in writing as requested many times. In late XX/XX/XXXX I started receiving harassing calls from Mr. Cooper staying that XX/XX/XXXX mortgage was not paid. I immediately disputed that. I provided the date that it was paid from my XXXX banking account. Mr. Cooper informed me that they applied that payment to XX/XX/XXXX. I immediately demanded to talk with a supervisor and disputed that XX/XX/XXXX was not paid. Mr. Cooper did not own the loan until XX/XX/XXXX. XX/XX/XXXX payment was already made to XXXX. Mr. Cooper refused to send out a monthly statement or bill for XX/XX/XXXX. Currently Mr. Cooper is reporting me to credit bureaus as being late because they have been and continue to apply payments one month behind. Once again- XX/XX/XXXX payment was applied as an XX/XX/XXXX payment- when Nationstar did not own the loan until XX/XX/XXXX. Payments are not being applied correctly. Mr. Cooper refuses to send a XX/XX/XXXX bill/statement in writing as required by law, and Mr. Cooper is not honoring the dispute process. I disputed in writing that XX/XX/XXXX payment was owed to them ( they didnt own the loan until XX/XX/XXXX was half over and payment was made to XXXX ). The creditor is refusing to send written proof of an amount owed ( No XX/XX/XXXX bill ), and they have incorrectly reported me to the credit bureau as being late when this is in dispute and Mr. Cooper has not provided written verification of the dispute status as required by law.
Product: Credit reporting

On XX/XX/XXXX, I filed a complaint with the XXXX regarding XXXX student loan accounts on my credit report. They stated that there were included in Chapter XXXX bankruptcy on XX/XX/2012 which is clearly incorrect. I never filed Chapter XXXX bankruptcy and on XX/XX/XXXX, I received a response from the XXXX from their XXXX Associate, XXXX XXXX, that he reviewed my credit report and it does in fact show that I do not have a Chapter XXXX bankruptcy on my credit report but yet verified the status of all XXXX accounts stating that they were in fact included in Chapter XXXX bankruptcy. This is a huge red flag and a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I saw incorrect accounts on my credit report this morning, and I dont understand why theyre there. I regularly check my report, and today, errors appeared out of nowhere. I tried refreshing my browser, thinking it might be a mistake, but the inaccurate accounts were still there. Because of this, Im requesting that the documents Ive submitted be carefully reviewed so I can finally be at ease.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX 2022 I paid for Credit Repair services to remove negative accounts and hard inquiries that were affecting my opportunity for advancement, such as lending for a home. I became educated on consumer laws, XXXX, XXXX  compliance laws. XXXX of 2022 I have spent thousands of dollars on Credit Repair dispute letters, and little impact on the areas that are harming my credit the most. Charge Offs, late payments, hard inquiries - areas that can be considered illegal. I paid off collection agencies without realizing that the debt was taxable income, that it is illegal for creditors to conduct business in a harassing manner all while the debt had been cleared. Paying debt did not increase my score. Hiring a credit repair service has disputed with the agencies, however they are factual disputes versus consumer laws, XXXX XXXX compliance and a plethora of USC violations. 

I have a 17 Hard Inquiries from this year alone from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - XX/XX/2022 ( none attached to open accounts and not authorized ) I have Late payments from 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 ( disputed still pending )/ XXXX  XXXX XXXX These negative accounts are in violation of XXXX XXXX Compliance Laws, Fair Credit Reporting Act, Equal Opportunity Act, Consumer Laws, specifically Collections/charge offs/inquiries/collections 15 USC 1681 B ( SECTION 604 ) 15 USC 1681 C-1 ( SECTION 605A ) 15 USC 1681 C-2 ( SECTION 605B ) 15 USC 1666 Correction of Billing errors 15 USC 1681 B permissible purpose of consumer reports
Product: Mortgage

On XXXX/XXXX/15, I bought a property located at XXXX Ca and was issued a loan thru XXXX. 
I am disappointed because my mortgage loan I got with the above mentioned companies are increasing my payment by about {$380.00} a month because I believe the loan was not properly executed as the Escrow account was not calculated correctly. Therefore I currently have a deficit in my Escrow account in the amount of {$2100.00}.
Product: Money transfer, virtual currency, or money service

I received a call from the Chase.com phone number. It was titled " potential scam '' but because I recognized the number I answered. Someone on the other side of the line said they were with Chase and that there had been a fraudulent transaction attempted with my account. I had never had this happen with Chase so I didn't think much about it. After they " stopped '' the payment for that amount they went over other transactions on my account ( they had access to my chase.com account ). This is when I thought that it had to be legitimate, how else would they have access? 

After ending the transaction, they told me they wanted to see if I wanted to be set up on a " fraud alert '' system. To do this, the system would have to send through a fraudulent payment. I also did not question this, and followed their requests. They transferred all the money in my savings to my checking and sent {$2000.00} via XXXX to themselves : In the end, these people used deceit to defraud me out of {$2000.00}. 

I called Chase immediately the next morning because this did not sit right with me, and sure enough the transaction was fraud. They stopped my account and I went to a Chase branch right away to transfer what was left to a newly formed account. I had to reset everything. 

Chase opened a fraud complaint for me, and over a month later denied my claim. I have no clue how they think that I would randomly transfer all of my funds to my checking account and send {$2000.00} to someone I have never spoken to. I did not go on XXXX and send the money. They used their access to my chase.com account to forward {$2000.00} to themselves. Someone at Chase even told me that there was an IP address on my account from Florida. 

Below I attached the additional information I sent to Chase.
Product: Credit reporting or other personal consumer reports

Fair Credit reporting Act 15 USC 1681 Inaccurate reporting and permissible purpose regarding account removal. Section 602 states that consumer reporting agencies exercise fairness. I have several violations that are Civil Liabilities For willful noncompliance 15 USC 1681n ( a ) and are entitled to {$1000.00} per violation. In accordance with 15 USC 1681 ( b ). 15 USC 1681 c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer identifies that resulted from alleged identity theft, no later than 4 business days after date of receipt, or violation. I am now opting out any and all authorization per 15 USC 6802-6805. I have a right to privacy and per the privacy of act of 1974. I am now revoking any and all authorization to opt out all inquiries are fraud per 15 USC 1681c and should be removed. Charge off is certificate of indebtness considered income can not be reported. Transaction History is Illegal to report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and sent transunion a letter about Inquiries that does not belong to me. Transunion was so rude and disrespectful to me. they stated I needed to call all the compaines and request them to be removed. I did that but the companies sent me back to transunion. Here is the list of Inquiries that does not belongs to me. their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX   XXXX  XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX   XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt?
4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your le

tter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attachin
g property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validit
y of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

Hi, upon checking my credit files I saw I have a collection account with Transworld Systems Inc and it said the original creditor was XXXX XXXX, I reached out to all 3 credit bureaus ( certifiedd returned receipt ) and asked them for any documents they have on my file with this company, they sent me a letter saying that this account was verified as accurate by the collection company and to reached Transworld Sysytems Inc if I wanted more information. On XX/XX/2019 I sent them a certified letter asking them for any documents or bearing my signature or any contract to see if someone stole my identity or what because I have not NEVER in my life opened any account whatsoever with XXXX XXXX or this company, they have not answered any letter and keep on reporting this negative account to the credit bureaus damaging my credit file. I want to buy a home in the coming months and when I went to check my file this is what I found, now I have to litigate this knowing I have never opened any type of utility service with them or any company before. They never sent me any letter NEVER saying that I had a collection account with them nor to dispute this on 3o days, nothing at all. I want this deleted from all my credit files please. attached is the letter that i sent them.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL.

THIS IS WHAT CAUSES HACKING AND DATA BREACHES.

THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to each bureau on XX/XX/21 and as of today over 50 days later I have not received any notification of investigation. I feel like Im on a hamster wheel being transferred to someone else every time I called. I recently pulled my report and noticed a few inaccurate items, in my research I saw it is illegal to report inaccurate items per FDCPA. I also learned that my information was compromised by the Equifax data breach. Now more than ever I believe my information may have fallen into the wrong hands. Your timely assistance in this matter ill be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Debt collection

If a consumer notifies a debt collector in writ ing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the con sumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt col lectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt col lector or creditor may invoke specified rem edies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Credit card or prepaid card

I requested a credit amount of {$79.00} to be mailed to me as a Check before closing my Wells Fargo credit card. They claimed that they put on the request at the end of XXXX ( I believe XX/XX/2021 ) and this will take 5 - 15 business days to reach me. Until now, I haven't received anything from them and they keep giving me the runaround whenever I call their customer service.
Product: Checking or savings account

I had requested multiple times that I not receive my money as they closed my account but they never sent any money to my account or provided any proof of transaction record. Their appeal department has stopped responding to my email inquiries as that is the only way to contact this bank. they have stolen my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong Address and misspelled names are on my credit report after multiple disputes Inaccurately reported jobs on my credit report
Product: Checking or savings account

Wells Fargo branches continue to attempt to frame a narrative that I am involved in the XXXX  trade, which I am not. We are engineers trying to start a business after being terminated from our jobs. WF has denied a business account, traced bills, continually asking intrusive questions with no basis for these allegations, none. It is patently obvious what they are doing and I would like to know why they believe there is XXXX  activity on these accounts or if they have ANY reason to believe that we are in any illicit trade. 

I have dealt with three seperate Wells Fargo branches this year ( 2025 ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ) and the XXXX XXXX XXXX. The worst offender is this XXXX charecter in the XXXX XXXX XXXX. He continually harrasses me when I go in for a simple transaction. On XXXX XX/XX/year> I went to to the branch to receive XXXX dollars in small bills, he makes me sign forms, wait a long stretch of time, texts me verifcation codes etc. I feel harrassed, uncomfortable, and my privacy is being violated -- and I would like to know why Wells Fargo feels my accounts with less than {$7000.00} at any given time for the past 6 years are being used to launder money. Especially since Wells Fargo has been caught laundering money for the " XXXX XXXX  XXXX  '' : https : //www.justice.gov/usao-sdca/pr/wells-fargo-personal-banker-sentenced-money-laundering-and-bank-fraud
Product: Mortgage

I had a long description of the complex, confusing, misleading, and traumatic experience with Shellpoint Loan Servicing, including attatched documents, when website timed out, or just disappeared. I dont know how to retrieve it?! It is a follow up to previous CFPB Complaint # XXXX. They are still up to same mess. I make a payment, they cancel check. I make 2 payments, they dont cancel it, and catch my checking account overdrawn, due to theyre confusing, fraudulent, incompetence! I am severely stressed out, and can not deal with this ANYMORE, IVE HAD IT! I have had to sell my home and move to get out from under this relentless harassment by this company. How can I have a complete audit done on my payment history, and antics? This alll started when XXXX XXXX hit in XXXX. I originated this mortgage XXXX some yrs. ago, when I was misled into a Forebearance under Gov. Declared disaster area, meaning due to that declaration, homeowners can take a forbearance WITHOUT REPORTING TO CREDIT BUREAUS. Well, they did report me, 90 days delinquent. I raised so much H_LL, had to pay an attorney {$4500.00} to correct. Shortly after that, I was dumped off to XXXX XXXX XXXX, for approx. 2 yrs., which was another hellish experience! Finally in XXXX of XXXX, I was dumped off to Newrez-Shellpoint Loan Servicing , now known as Shellpoint Loan Servicing . They continue to attempt to trick me into being delinquent on payments by randomly canceling Mort. payment checks without notifying me untill its too late. Thats how I got reported to credit bureaus. I would get letters ( see attached info. ), 5-10 days after date on letterhead which almost causes me to miss or be late on payments. They need INVESTIGATED! I cant tell how much money they have conned me out of because they have me so confused! I cant get the math to work out, especially my escrow. That also needs an audit, and or investigation! In the XXXX yrs. I have lived here, I have NEVER had sooooo many escrow shortages EVERY YEAR! How can I be so far off? XXXX telling you, something is going on hear, and I cant figure it out, and I am DONE with them. Please help, before some else has to live this nightmare. I have now sold my house, because of there constant harassment, and threatening letters. I get XXXX Payoff Quotes from them every WEEK. Although I have sold my house, I still have retained an attorney, which I cant afford, and hoping to sue them, before I end up in the hospital, I mentally and emotionally can not handle this ANYMORE! See attatched. They keep telling me that they have been attempting to contact me ( by mail, no e-mails, text, or phone calls ), but there return address in window is a po box with NO company name. With all the junk mail we get these days, I probably have been throwing them out. Or theyre lying, and there were no attempts to contact me.