23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My complaint is with Mr. Cooper. I owned a property in XXXX XXXX, in which I was approved by Mr. Cooper for a forbearance plan from XX/XX/XXXX to XX/XX/XXXX. I was sent approval documentation stating that I was approved for this forbearance plan ( attached ) and that I did NOT have to pay a mortgage from XX/XX/XXXX - XX/XX/XXXX and I would NOT be marked as delinquent during that time period. Mr. Cooper marked me as " 30 days late '' for not receiving a XX/XX/XXXX payment which dropped my credit score by 100 points! On my credit report Mr. Cooper marked me as " late '' on XX/XX/XXXX which was in the middle of the approved forbearance. I disputed this on XX/XX/XXXX and was told by multiple Mr Cooper representatives I shouldn't of been marked late as they see I was approved for the forbearance plan. It has taken 40+ days to hear back ( they told me it shouldn't take more than 30, but usually resolved in less than 10 days ) and Mr. Cooper sent me a letter stating "  We didn't mark you as late so we will not be contacting the credit bureaus '', however I have a copy of my credit report showing they DID mark me late and it dropped my score 100 points which is horrible!

I'm in the process of refinancing my home but I'm unable to get approved now due to the Mr Cooper inaccuracy and my score dropping 100 points. With rates being at all time lows I don't have the luxury to wait for Mr Cooper as this could make a major impact on my ability to save hundreds of dollars a month over the duration of my loan. Mr. Cooper has been extremely unresponsive and unhelpful throughout this  entire process. 

I have copied my forbearance approval, my credit report showing the inaccurate late payment and Mr Coopers response of not taking accountability for the inaccuracy they levied against me with an incorrect late payment reporting. I'd appreciate your help in this matter, thank you! 

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

Please refer to my FTC report in regard to the fraudulent hard inquiries that are on all three of my consumer reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of # # # Personal Information to Correct : - **Incorrect Date of Birth : ** XXXX - **Employer Listed : ** XXXX - XXXX Previous Address : ** XXXX XXXX XXXX, XXXX, MA XXXXXXXX XXXX XXXX XXXX Accounts to Remove : - XXXX : ** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections to Remove : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries to Remove : [ Please list inquiries you would like removed ]
Product: Mortgage

I have been repeatedly trying since XX/XX/XXXX to get an answer from NewRez on my mortgage interest with no luck. They simply do not respond to my question.

I would like to know how the mortgage interest paid on my account INCREASED from XX/XX/XXXX to XX/XX/XXXX when : - NewRez serviced my loans for the full year both years - It is a fixed rate loan - The principal decreased Details ( reported on my 1098s ) are as follows In XX/XX/XXXX the outstanding mortgage balance was {$350000.00}, but the mortgage interest paid was {$13000.00} In XX/XX/XXXX the outstanding mortgage balance was {$340000.00} ( decrease ), but the mortgage interest paid was {$14000.00} ( higher )
Product: Debt collection

In XX/XX/XXXX i obtained my credit report and found several incorrect information. Among these were the account listed with XXXX XXXX credit card. In late XX/XX/XXXX i sent a letter to all three credit bureaus requesting a letter of validation of debt. Neither one responded. Late XXXX i sent in a second letter of validation, which i have verification that they all received my second letter on the XX/XX/XXXX. Neither one has responded. XXXX XXXX has threatened to garnish my federal tax refund for a debt i did not approve, make, or do. They have not validated this debt. My information has been compromised and they have yet to prove that I am legally responsible for this debt. I get several calls from them DAILY!!!! I have spoken to a woman in the fraud department, XXXX, and her response was to email the fraud department. I emailed the fraud department and i have yet to receive a response. This has caused an emotional stress on my health dealing with this company. No one can give me answers why and how my information was stolen to open this credit card, yet they can call, harass me and threaten me.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

THIS COMPANY HAS A VERY UNPROFESIONAL WAY OF DOING BUSINESS. THEY ARE VIOLATING MULTIPLE FCRA LAWS AS WELL ONE IN SPECIFIC IS 1681 ( E ) ( B ).

- THIS ACCOUNT WAS CLOSED AND CHARGED OFF, THEN THEY WENT ALONG AND SUED ME FOR NOT PAYING. WENT TO COURT AND CASE WAS DISMISSED. -NOT HAPPY WITH THERE CASE BEING DISMISSED WITH PREJUDICE THEY WENT ON MY CREDIT REPORT AND CHANGED THE PAYMENT HISTORY TO BEING LATE AS OPPOSED TO BEING CHARGED OFF AND CLOSED.

-THE EMPLOYEE FROM THE LOCATION WE GOT THE ORIGINAL LOAN FROM KNOW US PERSONALLY AND HAVE TRY TO CHARGE US IN PERSON AT OUR RESTAURANT LOCATION ON THE WEEKENDS WHEN THEY RUN INTO ME OR MY HUSBAND, WHICH IS VERY UNETHICAL.

-THEY CALL ME DAILY, MAKING ALL KINDS OF THREATS TELLING ME TO PAY EVEN THOUGH THIS CASE WAS ALREADY DISMISSED AT COURT. THIS DEBT IS NO LONGER VALID. THE MOMENT THEY TOOK US TO COURT THE COMMUNICATION WITH US HAS HAD TO BE CEASED.
Product: Student loan

There are problems with the payment amounts that Mohela has posted on my account dashboard. These amounts keep changing all the time, even within one month. Also the amount due posted on the dashboard is DIFFERENT to what my official statement from them says for the month. 
For this month ( XXXX ) firstly my payment increased from the previous month without warning, at least {$100.00} more than XXXX. My payment is split into XXXX portions and I must pay it in XXXX portions on their website system. So on XX/XX/XXXX I paid {$200.00} ( that is more than the XXXX dollars that it was asking me to pay. On XX/XX/XXXX the remaining balance that was listed as due was about {$790.00}. This was about {$100.00} more than XXXX. Then on XXXX XXXX I returned to look at my account and the dashboard now said I owe {$1200.00}, and more than {$490.00} of that was " past due ''! It does not make sense. These numbers do NOT match what is listed on my statement for the month of XX/XX/2024. You can see on the attachments : Mohela Statement page XXXX and XXXX, then the Make a Payment Dashboard screenshot is totally different. 
The amounts listed on the dashboard or payment page are changing frequently and without notice AND they do not match the statements I have been sent AND When I click on the make a payment button, then the amount doesn't always match what was asked.
Product: Vehicle loan or lease

I traded in the car to XXXX XXXX on XX/XX/2021. However, Santander, the lender reported that I was late paying in XXXX when I no longer had the vehicle and the dealership paid them off because I traded it in and got a new vehicle.
Product: Credit reporting or other personal consumer reports

Proper notice was not given prior to furnishing negative information to credit reporting agencies, In addition, my federally protect consumer rights has been violated under 15 USC 1681.consumer rights to privacy and confidentiality According the fair credit reporting act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. 92 623 - 15 U.S.C. 1681s-2 ( C ) Coordination with other disclosures. The notice required under subparagraph ( A ) ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the customer; and ( ii ) must be clear and conspicuous. See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 According to the following 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 ) ( XXXX ) 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. 


The following accounts violate the above laws 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In addition several accounts that should not be reporting are still reporting, I want immediate deletion or compensation for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 as a Consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies 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.

If such notice from the consumer is made by mail, notification shall be complete upon receipts.
Product: Debt collection

Repeated ph calls rude when i answer them telling me shut up when I ask questions I spoke to a XXXX XXXX Caller ID Central Prtfl. Portfolio
Product: Mortgage

I co-signed for a mortgage loan through Navy Federal Credit Union in XXXX of XXXX. My parents have occupied the home. I have never lived there. In XXXX of XXXX I and my husband filed for Chapter XXXX bankruptcy. My lawyer had me sign an affidavit to remove my name off of the mortgage with Navy Federal Credit Union. It was granted by the court in Bankruptcy Court of XXXX Al. My mother continued to make payments ( which were 20-25 days late at time though ) but the Navy Federal Credit Union told her that no payments would be applied until my bankruptcy was XXXX. My mother missed the XXXX payment and my bankruptcy XXXX on XX/XX/XXXX. Since she has made several payments as of XX/XX/XXXX ( I believe {$1500.00} total, but the cost went over {$2500.00} in late fees per Navy Federal Mortgage department. They started sending threatening letter after letter to me ( which I'm by law no longer on the mortgage ) my husband XXXX XXXX XXXX ( who filed for bankruptcy jointly with me, but was NEVER on said mortgage and NEVER had any involvement with it, letters were sent to our home address which is in no relation to a loan or any form with Navy Federal. They have been sending threatening letters to my father XXXX XXXX XXXX who is also NOT and never has been on the mortgage. I have all of the letters but I need to know who my mother ( official person on the loan ) myself ( removed from the loan ) and my husband XXXX XXXX XXXX ( never affiliated on this loan ) need to contact? Navy Federal Credit Union told my mother today ( when she made yet another payment ) they can contact my husband over the life of the loan because he is my spouse and I am on the loan ( which I am not and haven't been since XX/XX/XXXX ). I have all letters from Navy Federal Credit Union and payment confirmations. 

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

The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX CAPITAL ONE Inquired on XX/XX/XXXX Business Type : Banks and XXXX XXXX XXXX XXXX  CAPITAL ONE XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX
Product: Debt collection

on XX/XX/2023 at XXXX I returned a phone call from an unknown number and reached someone who identified herself as XXXX calling from the XXXX XXXX County Court House mediation department about a debt I owed to Orchard Bank, Capital One, XXXX or Metris Bank. I told her I am not familiar with this debt and asked for the contact information of someone to talk to about it and she said that it is " too late to talk to the Plaintiff, Orchard Bank ''. She said the case number is XXXX. I kept confirming that she was calling from the XXXX XXXX County Court House and she would answer " yes ''. After my continued questioning she told me she would be sending my information to be sued and I said so you are not calling from the XXXX XXXX County Court and she said " good luck to you ''. I tried calling back several times, however, she would hang up, not answer, or put me on terminal hold. Eventually I called again and someone else answered as XXXX XXXX XXXX XXXX but immediately transferred her back to her. At that point she said I owed {$1700.00} and it's too late to discuss they are suing me for the balance. I called again and a person named XXXX answered, I expressed my concerns to her and she told me me she will have the recorded call pulled and send me the original documents of the alleged debt that I don't believe I owe and is not on my credit report. XXXX also told me the supervisor there is named XXXX. I asked if someone would be calling me back about my complaint and she said yes and will be sending my original documents.
Product: Credit card

On XX/XX/year> I was in nyc and was tricked by two men into buying tickets to a bus and boat tour. We were headed to the place to buy tickets to the Statue of Liberty and XXXX XXXX and their respective museums. The men said they were the ones who sold those tickets. They said we would get a half hour on each island which was more than enough time. They said the other boat companies were sold out for three months. They said we had to buy the tickets which bc the boat was leaving soon and we would miss it, then they put us on a bus saying it would get us to the bot sooner. It was a high pressure situation. They did take us to a boat but it never docked at either of the islands it was just a tour. We asked the workers on board and they said the ticket seller lied and is known to lie and the boat never docks at the islands. 

We ( me and my parents were on the trip ) attempted to call the company twice but they did not answer the phone or return our messages. I have screenshots of this and of the official Statue of Liberty ferry page where they had thousands of tickets available for purchase that day. 

I disputed the charge with my credit card on XX/XX/year>. It was an automated process and I only got XXXX characters to explain everything and it had no place for screenshots, making it an our word against theres situation when I did have proof. 

On XX/XX/year> I was updated that my claim was denied and I still owed the money. I called that morning and talked to a person named XXXX who said it seemed like the bank she rule in my favor since I did attempt to call the company and they never got back to me so he reopened the claim for me. 

Today, XX/XX/year>, the claim was closed again in favor of the merchant. I called again and the lady I spoke to today said that because the tickets I bought were listed as non refundable it would be against the law for them to take money from the merchant to give to me. I pointed out the merchant was advertising a service they did not provide but she said it didnt matter. I have looked into it and have found no such law. It seems Bank of America is trying to get me off their back by lying.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of fraud or a data breach, and I demand verifiable proof bearing my signature or electronic signature. 

This dispute is submitted personally, not through a third party, and requires your immediate attention. I never authorized these actions, and their presence on my credit report violates my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their rep
orting stems from a data breach or unauthorized disclosure by creditors or third-party data furnishers.

I demand an immediate investigation and correction of these inaccuracies. Failure to act promptly may result in further action on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX accessed my credit report without my permission or request. I reported this to Equifax as a dispute that date received notification today that the investigation was complete and I could view the results at Equifax dispute center. Was unable to open the report. Called Equifax dispute center and was told investigation was closed. Also, it was indicated that the inquiry would remain on my credit report for 2 years. This inquiry adversely affected my credit score and I asked Equifax to remove the unauthorized inquiry or to note that the inquiry was not authorized. Was told they can not do this unless I file a complaint with FTC or police. This is that complaint.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I've recently learned that my personal information was used to open up multiple accounts at different companies. I did not open or authorize this account and I therefore request that they be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up two automatic payments to pay off my credit card on XX/XX/XXXX and the amount of {$250.00} in the other one for  {$59.00} on XX/XX/XXXX so I can get my account paid in full by XX/XX/XXXX which is the due date, today I went online to see if my payments had been cleared only to find out that it says my account is restricted and then I called Capital One they informed me that my account was closed .... I then asked to speak to a supervisor she really couldnt tell me what happened only later to find out that my payments were returned but they dont know why. I asked her why didnt they send me a notice in the mail she informed me that they sent out a notice XX/XX/XXXX which is todays date and they also closed my account XX/XX/XXXX ... .. they did not give me enough time to even fix what was broken. 
I've had this account for 3-4 years and only missed to payments back in 2018, for my account to get closed off of something so simple is ridiculous to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint due to Bureaus failure to respond to my dispute in over 60 days and I HAVE NOT received a copy of my credit report which I find alarming, considering I sent out a letter about two months ago. Their lack of response is a clear violation of my rights to have accurate and verifiable information reporting against me. I have given them opportunities to correct the inaccuracies and verify the accuracy and they have failed to do either of them. This is my request for the removal of the disputed accounts from my credit report due to the lack of verification. If they refuse to accept this as an acceptable settlement for their lack of verification then I may escalate this matter. 
My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong individual. Thank You.