23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have Mr. Cooper as my mortgage banker. I had no choice in picking them due to home mortgages being resold multiple times. 
I have been making payments on time through ACH and have never been late or missed a payment. 

On XX/XX/2019 there was *THEFT* of {$590.00} by Mr. Cooper by way of unauthorized direct debit to my account sending my account balance into below minimum levels. 
When I followed up I was told by my bank that it came in with wrong account number but all other details matched hence it was applied to my account. 

Called Mr. Cooper and was told that it was a mistake on their part without any explanation! Then after a long frustrating wait I was told that the transaction would be reversed in 24/48 hours. On XX/XX/XXXX when I logged into my account it showed as " Unapplied Funds ''!! Called Mr. Cooper again and I was told after a long wait that they have just sent it by wire! 

I am suspecting Mr. Cooper to be indulging in organized crime by STEALING random amounts from their customers and then refunding to those who catch them. WHAT ABOUT THOSE WHO DO NOT CATCH IT? 

**THIS COULD BE AND ORGANIZED CRIMINAL ACTIVITY BY MR. COOPER WHERE THEY ARE STEALING MONIES FROM THEIR CUSTOMERS AND INTEREST FROM CUSTOMERS WHO CATCH THEM** I would like FBI investigation into Mr. Cooper 's operations to ensure that this illegal criminal activity is stopped with appropriate punishment and penalties. 

When a consumer makes a mistake these mortgage bankers pile on predatory fines and interests to push them into default and feed on them like vultures. In all fairness Mr. Cooper should be penalized proportionate to their income! 

All customers of Mr. Cooper need to be notified of this and asked to check their accounts too,
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX  Account Number : XXXX Bal : {$800.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting

I called Experian on XXXX/XXXX/16 to get inaccurate addresses and phone numbers removed from my report. I told them the only accurate address was XXXX XXXX XXXX XXXX XXXX Ct XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX. I did n't even get to address all the inaccurate phone numbers on my report. The only number that should be reporting is XXXX. I did not have an issue with XXXX and XXXX removing these inaccuracies from my report. Experian is violation the Fair Credit Act and my rights by not removing these inaccurate items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  shows a inquire on my credit report XXXX-17 but I never gave them written authorization to run my credit.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I lost my wallet, made a police report regarding the loss which included a credit card from First National Bank of Omaha. When I received a billing statement there were fraudulent charges on that card in the amount of {$4100.00}. I contacted the Fraud Department of the issuing bank and reported the fraudulent charges immediately. I then brought a lawsuit against the bank and won a judgement against payment of the complete fraudulent charges billed on the card. Since I only made a single payment in the amount of {$370.00} on the fraudulent charges to avoid any late fees while the case was open, that was the amount of my judgement for reimbursement which included the discharge of the total fraudulent amount of {$4100.00}. I contacted the bank 's lawyer, XXXX XXXX XXXX at XXXX on numerous occasions and never got any response. Now The XXXX Law Firm at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX is a collection law f firm that filed a lawsuit against me for the fraudulent amount to illegally try and force payment from me. I have provided this collection law firm with a copy of the police report and the court judgement but they are continuing their illegal collection. I also contacted them by phone and left several messages and have not received any return call.
Product: Credit reporting

There are  XXXX  accounts currently in collection with this agency, the first is for {$750.00}, which the company indicates was opened   XXXX     The second is for {$1000.00}, which my credit report shows was opened   XXXX     Both of these accounts have been re-aged, and are reporting misinformation on my credit report, which according to the FCRA is illegal.   The dates provided, I can only assume are the dates that these accounts were purchased by   Portfolio Recovery, rather than the original dates that they went into default.
I would like these collection accounts removed from my credit report immediately and any and all derogatory marks removed, as it is effecting and will continue to unfairly effect my credit ratin  g.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in 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 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
Product: Debt collection

Someone called asking me to confirm my identity with my address and last 4 digits of SSN. I asked for her to identify what company she was calling from, and she said something like " corporate accounts '' but wouldn't tell me any other details without confirming my identity. Once I did that she said she was collecting debt from the Illumination Company in Ohio, where I used to live. I do NOT have debt with them - my balance is {$0.00} and was always paid on time. 

The number she called from was XXXX. I am now worried my identity will be compromised.
Product: Vehicle loan or lease

we have been paying on this vehicle XXXX XXXX XXXX for XXXX years. and XXXX months with fees the vehicle was {$21000.00} then we put XXXX XXXX dollars down payment and they said the loan would be {$22000.00} and extra how could this be. after the {$3000.00} we paid on deposit now we have paid all this money and XX/XX/XXXX would be XXXX years and our balance is still {$18000.00} .and the interest rate is so high 23.9 % and we have a few lates and i reached out to ask if they could remove the late as a courtesy for the sake of us buying a house and they said they don't even do that since we have been a customer for all these years. And never had our vehicle repo .i think this is unlawful to charge this much.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance if the validation of debt request isnt completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX 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: Debt collection

Dear AARGON AGNCY In regards to the account from XXXX XXXX, it has been brought to my attention that you claim that I owe {$14.00}. While I accept no responsibility for ownership of this debt as it is seven years old and should be deleted anyway, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. 
Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. 
Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$14.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement. 

Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

I look forward to a timely resolution of this matter. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX FI XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX BANK XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard hit was added to my credit for capitol one on on XX/XX/2021. I've called capitol one and was given a customer reference number XXXX to submit to reference that I've reported that the inquiry was not authorized by myself.
Product: Credit reporting or other personal consumer reports

I Currently have a few fraudulent accounts in inquiries appearing on all three of my credit reports.
Product: Consumer Loan

Santander Consumer USA. I purchased a vehicle through Santander USA in 2012. I have made XXXX payments of XXXX and still owe XXXX. The payoff amount changes from day to day. They are staying that I owe XXXX. ( + ) in late fees! How is that? They could not give me a proper answer. I do not understand how I have made payments of XXXXand the principle has not decreased.
Product: Money transfer, virtual currency, or money service

This happened on XX/XX/XXXX The merchant told me to make 4 different transactions through Cash App : 1 was for {$55.00} 2 was for {$200.00} 3 was for {$16.00} 4 was for {$100.00} in total of {$370.00}. It was send to the merchant cashapp name $ XXXX. and they told to send the {$55.00} on XXXX. I was supposed to receive the product within 4-5 days but the days went by and i did not receive anything. I requested a refund through cashapp but they declined then i later found out they were a scam and I contacted Cashapp customer service myself but they told me that they could not do anything about it so i decided to contact my bank but they are enable to file third party claims.
Product: Checking or savings account

XXXX XXXX, This information should be added to consumer complaint id : XXXX. 

Wells Fargo stated in the news cyberhackers obtained information creating random accounts from no known information, THAT IS NOT CORRECT. This was Wells Fargo doing- I had a car loan from Wells Fargo back in the early XXXX Wells Fargo repossessed the car- THIS IS WHERE WELLS FARGO GOT MY INFORMATION TO OPEN ACCOUNT 'S WITHOUT MY ACKNOWLEGEMENT. I'VE NEVER HAD ANY ACCOUNTS WITH WELLS FARGO- THIS THE ONLY WAY THEY KNEW MY INFORMATION TO SETUP ACCOUNT ( S ). 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete hard InquirieXXXX 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 XXXXccordance 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 tem 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 ) ( 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. 
Delete the accounts below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is my issue. I made payment on XXXX. I check my credit score saying Im delinquent on my account! I made the full payment of {$87.00} that it ask me to pay in full! This has caused great harm and now Im under duress! It dropped my score dramatically!
Product: Debt collection

I reached out to XXXX who is reporting this debt and I received no response. I I reached out to XXXX XX/XX/2024 and they immediately removed this account XX/XX/2024 understanding the severity of this issue. LVNV Funding has purchased this debt and it is an account that was opened due to fraud. So not only are they attempting to collect a debt that I was never notified about because they can simple show their certified mail receipt showing I was notified and received this debt in response to this. but this account is also fraud so they are violationg my rights by furnishing this.
Product: Credit reporting or other personal consumer reports

.According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual whom it relates.

This account is totally reporting inaccurate, one Bureau reports paid, last date active, last day reported, last payment status etc. 
This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. Credit Bureaus failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an attorney who represented me in a collection case with XXXX. He entered into an agreement with Kramer & Frank in XXXX XXXX, to which I paid faithfully every month until my obligation was met in the fall of XXXX. I noticed that none of my payments was recorded by XXXX, and they still have me owing the final amount, which was not the negotiated amount. I then got another letter from XXXX & XXXX trying to collect the same debt. What happened to the money I paid Kramer & Frank? Why hasn't the XXXX account been credited with that money, and why isn't the debt being adjusted by the payments I made. The payment arrangement was not much different than the total amount of the debt owed - in other words, it wasn't a 50 % debt reduction. So I want XXXX to recognize the payments and the debt to be satisfied as per our agreement.