23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing this complaint against Mr. Cooper, a mortgage servicing company, regarding a serious and unresolved issue with the transfer of my mortgage from XXXX XXXX. 

On XX/XX/2023, I received notification that my mortgage had been sold to Mr. Cooper. Despite this transfer, I had already made the XXXX payment to XXXX XXXX. Recognizing the potential issue, I promptly contacted both XXXX XXXX and Mr. Cooper on XX/XX/2023, seeking clarification and assurance that my payment would be correctly posted to Mr. Cooper. 

Assurances were given by representatives from both companies that the payment would be properly transferred and posted to my new account with Mr. Cooper. Regrettably, it has now been over a month since my initial contact, and the issue remains unresolved. 

I have made numerous attempts to rectify the situation, including sending multiple emails seeking verification of my payment, engaging in online chat sessions with Mr. Cooper representatives, and making multiple calls to Mr. Cooper 's Customer Service. Unfortunately, my efforts have been met with frustration, and the issue persists. 

What exacerbates this situation is that I am now unable to make my XXXX mortgage payment to Mr. Cooper due to the lingering problem. My online profile indicates that the XXXX payment is still due, preventing me from proceeding with the necessary XXXX payment. This situation is causing significant stress and concern as it puts my account in jeopardy of incurring late fees and negatively impacting my credit. 

Compounding the problem is the conflicting information I have received from Mr. Cooper. I have been sent multiple communications with differing dates regarding the mortgage transfer, and Mr. Cooper representatives continue to place blame on XXXX XXXX for the issue. However, it has been over a month since the problem was brought to their attention, and it remains unaddressed. I have also received multiple pieces of mail with the incorrect amount of my mortgage ( not showing the rate buy down ), and the current amount due showing for XXXX is incorrect. I have received multiple pieces of mail with conflicting information and transfer dates. 

I believe I have been patient and cooperative in seeking a resolution to this matter. It is disheartening that despite my persistent efforts, Mr. Cooper has failed to correct the issue or provide me with a clear and satisfactory explanation. 

I am filing this complaint in the hope that your intervention will prompt Mr. Cooper to promptly resolve this matter, ensuring that my XXXX payment is accurately posted, and the impediment to making my XXXX payment is removed. I am also seeking assurance that my credit report will not be adversely affected due to the delay in resolving this issue. 

Thank you for your attention to this matter, and I appreciate your assistance in bringing this issue to a swift and satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with XXXX, Experian and XXXX on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record. 

Attached you will find written communication with review to assist with a permanent deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over a credit report from XXXX, I saw that there was an address included that was incorrect. I believe I reported that to XXXX, but when I recently received a credit report from XXXX, it had the same address included as a past address. 

Both of the companies had also included a previous address that WAS correct, so I think one address was simply entered in error at some point. I just want that address deleted from all credit reports. 

The address that is incorrect is : XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX The correct address that both of them already include is : XXXX XXXX XXXX XXXX. 

So just remove the one starting with XXXX. 

THANKS! 
XXXX
Product: Debt collection

I have written and called both Stewart, Zlimen & Jungers , LTD. and XXXX XXXX XXXX. and they continue to send this fraudulent bill/statement. I have no nor have I ever had any affiliation with either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1300.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9000.00}, XXXX XXXX, NA ( Date Opened XXXX XXXX, XXXX, Balance : {$4200.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3800.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$7400.00} ), XXXX  XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Student loan

I just received a notification indicating that I need to re-certify my income-based repayment plan. I ALREADY DID THIS. On XXXX/XXXX/16, I submitted a request to change my repayment plan ( currently IBR ) to REPAYE ( ref # XXXX ). I provided all of my income information as requested for this process. I do n't understand what they want from me. Are they now asking me to do something entirely different from what I 've already done in terms of providing my information? Their letter indicates that if I do n't do more paperwork I will be getting a bill for almost {$2000.00}. I 'm confused. Did I or did I not already do what was required of me?
Product: Credit card or prepaid card

UMB Bank administers my HSA. They enrolled me in paper statements at a rate of {$1.00} per statement absent my authorization. The bank refused to disenroll me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I called Transunion and Spoke with supervisor XXXX XXXX  REFERENCE # XXXX in regards to the unauthorized inquiries, and inaccurate reporting. The negative remarks are still reporting on my consumer report. 

On XX/XX/2023 I sent company a dispute for Inaccurate reporting that was on my consumer report, as well as unauthorized inquiries. 

A dispute was mailed out to the company certified mail and return sender, I have attached valid copy of Passport, Social, and utility bill with my current ant only address. 

XXXX ) XX/XX/2023 XXXX # XXXX ) Inaccurate Reporting XXXX ) XX/XX/2023 XXXX # XXXX ) Unauthorized Credit Inquiry on my credit report The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is now my third attempt trying to resolve this issue with Transunion.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report.
Product: Debt collection

XXXX XXXX XXXX XXXX overcharged me with a {$10000.00} bill for a single epidural injection. The insurance company negotiated it down to a total of around {$750.00}. Out of which the insurance paid 70 % and I paid 30 % to the collections agency - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXX XXXX agreed that the debt is settled in full and they would close my account. 

Today, after 1.5 years, I get a letter from XXXX XXXX that I still owe {$9600.00}. They never closed my account even after agreeing to do so.
Product: Credit card or prepaid card

XX/XX/2018 I called Citi credit card company at XXXX. I followed up with an email I received promoting 21 months of 0 %. The employee on the phone said that no offers were on my account. I asked if it was for new credit card members and he said no. I have been a credit card account holder for 7 years. I wanted someone from the marketing team to call me but he said that would not be possible. 

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

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt from   XXXX   XXXX   for {$1400.00} that was dismissed in Bankruptcy on  XX/XX/XXXX .
 XXXX  has added this debt back to my credit report every six months since  XX/XX/XXXX . I have requested removal and sent bankruptcy documents 7 times to  XXXX . They remove it and then add it back a month later. They have done this 7 times since  XX/XX/XXXX .
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it I disputed this on XX/XX/XXXX  and they added a note but did not remove it.
The balance was discharged in Bankruptcy and   XXXX    should be prosecuted for adding thi  s debt illegally back to my credit report numerous times.
Product: Debt collection

I originally had a auto loan with Global lending services and the car was repossessed. I was not given a demand letter showing that the car was up for repossession. After the car was sold at auction I was still not given a chance to take car back if I made payment to get it back. I was supposed to be given 10 days. I do not feel Global Lending gave me fair warning or notice of default and the repo should not be placed on my credit for those reasons. Global lending account opened around X/2013 Account Closed and updated to show balance XXXX XX/X/2013. orginal car was around 15k
Product: Debt collection

XXXX marked as a duplicate included 10 years of bank statements requested by the select portfolio servicing ombudsman
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts on my credit report that was not validated or 100 % accurate and this company did it properly investigate the items reporting I also filed a complaint with XXXX XXXX XXXX  I am filing this complaint on my own behalf
Product: Checking or savings account

On XX/XX/XXXX, this bank of America mailed me this letter, saying, " please let us know if you still need help with a debit card transaction. Our records show that you called us on XX/XX/XXXX to potentially dispute a transaction with your debit card, and you may have been asked to contact the merchant before filing a claim. We're reaching out to let you know if you need help filing a claim. You can give us a call at XXXX. We're available Monday through Friday, XXXX to XXXX. And Saturday through Sunday XXXX to XXXX eastern time. " Account ending-in XXXX.
Product: Vehicle loan or lease

In XX/XX/year>, Ally Auto loan discontinued their app and joined with Ally bank for all online services. I was able to switch to the app and had no issues with viewing my account up until XXXX, 2024. I had to replace my phone and the app could not recognize the new phone and locked my account. It took over XXXX weeks of going back and forth with customer representatives who blamed the other department etc to finally get my online account unlocked and opened. Now, for the past XXXX weeks I have not been able to access my auto finance account on the app. Its no longer available for me to be able to see what Im being charged for and more importantly, pay my bill without having to pay an extra fee. I have called and loss hours of work time attempting to have the issue fix. Numerous customer service reps would have me on hold, for over XXXX mins and get back on the line and say it would be fixed and updated and still to this day, Im unable to see my auto finance account on the app. Ive reached out via phone, email and XXXX and neither attempt was met with a solution! Im threatened in emails about paying a bill that I can not even see, and should not be forced to pay a fee by phone because its free to schedule your payment through the app. I have been wrongfully charge late fees etc. While for months Ive been at the mercy of this companies mistakes. Please help me! All I want to do is be able to see my account, so that I can pay it and/or ask for assistance online as they direct me to do so via email. However, I have not been provided the option to do so. Even after speaking, emailing over XXXX customer representatives!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time addressing this issue. The credit bureaus are reporting inaccurate information about my auto loan on my credit profile. I was never 30 days late, and my car is in my possession not repossessed! XXXX XXXX is reporting inaccurately and the credit bureaus are failing to properly investigate and report accurately. The first time I made a complaint about this issue, it was immediately removed from my credit profile and the account was updated to report positively on my credit report, however they later added this inaccurate reporting back on to my credit profile without ever notifying me! This inaccurate reporting has caused me to lose -166pts on my credit score and this information is totally inaccurate!! I would like this  inaccurate reporting to be permanently removed from my profile and not just added back later!! According to the FCRA once information is deleted from your profile, it is not to be added back later!! This violates my rights as a consumer and I would like this fixed immediately!
Product: Credit reporting

On XXXX XXXX, 2016, after receiving results from disputes on several accounts : XXXX XXXX XXXX, XXXX XXXX XXXX I requested the method of verification under FCRA 611. I also notified Equifax of the failure to timely investigate several accounts listed as US Bankruptcy Court XXXX Ga Case Id : # XXXX ; # XXXX ; # XXXX within 30 days. I specifically described the letter as a " followup to disputed accounts. '' ( See Attached ) I received a notification by email that this letter initiated a new reinvestigation of all said accounts. ( See Attached ) Not only did the company ( Equifax ) neglect the request it misapplied different issues. For example, method verification request does not lead to a new reinvestigation of the same results. Secondly, when you failed to reinvestigate an original dispute in the time allowed unlawfully adding time to do so is not acceptable. Accordingly, the appropriate response to each issue must be addressed. Lastly, the opportunity to make corrections when proof no investigation took place will be counterproductive. Make the changes.
Product: Debt collection

We moved out of the XXXX XXXX XXXX at the end of a one year lease XX/XX/XXXX. I lived in a different apartment at the same complex prior to the new lease dated XX/XX/XXXX. 
XX/XX/XXXX : A two month written notice and a verbal notice given. All debts incurred for the apartment paid as they came due. 
There is a report at the credit bureau dated XX/XX/XXXX showing a debt of {$3.00}, XXXX. A discrepancy was filed twice with XXXX. 
I received a letter from XXXX XXXX XXXX XX/XX/XXXX regarding the discrepancy. A letter was faxed with a copy of the XX/XX/XXXX vacating letter in response to the creditor advising the debt is n't owed. 
Hunter Warfield sent a notice that the company would speak with XXXX XXXX XXXX but no response. 
The credit report shows I now owe {$3.00}, XXXX.
Product: Vehicle loan or lease

I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and SANTANDER with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Tried to contact the company XX/XX/XXXX. 

Email to customer service was returned- delivery failed. So this company has made customer service very difficult to reach. 

The escrow analysis for XXXX contained incorrect information. as described below. 

1 ) the XXXX Mortage insurance was {$3800.00} ( see attached ) not {$4000.00} 2 ) the Current monthly payment is {$1700.00} not {$1800.00} 3 ) the difference in escrow due is {$420.00} not {$500.00} 4 ) the new monthly amount due is incorrect even if based on the escrow due amount of {$500.00}. 

I have confirmation of the mortgage insurance but of course, this was returned along with the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Consulting Services of XXXX, CA continuously reports that I owe {$3200.00} to XXXX XXXX School. I sent them a letter from the school stating that I do not owe them anything, but CCS continues to report false information about me that is hurting my credit report. Please see attached letter from the school. Please help me, this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a credit card using the misspelling of my name and my current address. Because of the credit application, a Hard Inquiry is now on my credit report which brought my credit score down. I contacted the credit card company and they agreed with me that it was fraud because they had the misspelling of my name, they didn't have any other information on file for me not even my phone number, and they only had my address. They deleted the application under the misspelled name but they would not take off the hard inquiry. I contacted one of my consumer credit reporting agencies and they said they could not take off the hard inquiry until they get a letter to delete. Also, someone put in an change-of-address with the postal system under the wrong misspelled last name. This caused problems with my mail. I am not receiving my mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS FAILED TO REPORT ANY OF MY LOANS ON THERE SITE OR APP ALONG WITH XXXX I HAVE CALLED OVER XXXX TIMES TO BE MET WITH OUR SYSTEM IS DOWN THEY SHOW NOTHING NEW I HAVE 3 LOANS INCLUDING A XXXX CAR LOAN NOTHING AND THEY REFUSE TO FIX THE ISSUE
Product: Debt collection

I, XXXX XXXX, consumer, am submitting this communication to inform VANCE AND HUFFMAN LLC XXXX. XXXX, XXXX {$1900.00} that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt. 
In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. 
I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above. 
If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
Product: Checking or savings account

I deposit cash in the amount of {$500.00} in check slot by mistake while depositing money in my checking account at Citizen Bank XXXX XXXX ATM. Reported the incident and called for claim also talked to Citizen Bank Branch employee at that time. Citizen Bank claims department gave me a claim number and a temporary credit of {$500.00}, while they investigate and wait bank to report ATM overage. After a month and a half bank can not track my money and took the temporary credit of {$500.00} back from my checking account. I have receipt and prove that I made the deposit and cash did not came back from ATM when I put them in check slot by mistake instead of cash slot while depositing. Attached you will find receipt for that transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is the Identity Theft Report by the FTC for the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Transunion data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.