23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Made a payment on Mortgage in XXXX. Mr. Cooper took out four times the amount we authorized causing our bank account to go into the negative. After several phone calls, they admitted to the mistake and decided to refund all the money instead of just what was not approved. Made a new payment after we got the money back. Confirmed the payment went through. Mr. Cooper calls me a few days later and wants to make sure all is good. I asked them are we up to date on payments and they said yes. A week goes by, they email us saying we are overdue on payments. My wife calls and they tell her that we owe them money. Even with a confirmation from their website the refuse to acknowledge we have made our payments and to send over bank statements that prove we paid them. I have sent them over but I am very displeased how they are handling my money. That little mistake caused me to have no money in my bank account for almost a week. Not to mention they show no remorse in their wrong doing or even want to try to solve the problem in a timely manner. The next day talked to them at lunch. Showed them proof that we paid through bank statements and even have statements from them showing payments are up to date. They refuse to acknowledge this. Claimed the bank had locked them out from receiving money from my bank account. Put them on a conference call with the bank. Bank tells them multiple times there is no lock and the payments went through and Mr. Cooper still will not cooperate. They claim they never got my email with the evidence and wanted me to send it again saying it could take up to 30 days to figure it out. This is unacceptable and I refuse to allow them to tarnish my good credit and standing because they want to drag their feet. I won't even be able to pay my XXXX balance if they continue because they will try to apply it to the so called missed payment. This is nothing short of theft. I am very upset that a company like this is allowed to operate and take money and turn around and say no you didn't pay us. Mr. Cooper is an embarrassment to professional businesses and they need to be held accountable for their dishonest, incompetent, and downright greasy behavior.
Product: Checking or savings account

Bank of America in XXXX or XXXX, due to my checking account having fraudulent activity, I was put on the risk alert for unauthorized payment from a check. I asked the bank for a solution and they gave me a number to their risk financial department. They also recommended changing my SSN to be able to open an account. I need a checking account to be able to get employed and help pay bills but I can't do that when there are no chances of me getting an account for work. It began with an online transaction on XX/XX/XXXX in the amount of {$220.00}. I got an email on this date about fraudulent activity. Ever since XXXX, I can't use or opened another checking account at any bank.
Product: Mortgage

I would like to know the names of the actual people who benefit from this mortgage. I don't want the trustee. I don't want the trustor. I want the name of the person who OWNS the money I borrowed -- the BENEFICIARY!!! There is a track record of it somewhere. I have reason to believe that the loan has been paid off due to the lender applying for MORTGAGE RECOVERY during a default back in 2013, & that they were paid off IN FULL but are still threatening I owe the money after it was modified. I would like to know the name of this BENEFICIARY who provided the funds to me, NOT THE TRUSTEE or TRUSTOR. By not offering this information upon request is a violation of Mortgage Regulations & laws according to the SEC.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature, these inquiries appear on my credit file.

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily.

It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, please removed these unauthorized inquiries from their records.

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting

I had applied to XXXX different private companies for a small loan for school tution, all of which required me to add a co signer which I declined. 
XXXX companies ran a credit inquiry twice when I only applied once. 
XXXX and XXXX XXXX. 
As you can see, the dates are XXXX day apart. These inquiries are negatively affecting my credit score, which is not of my own wrong doing.
Product: Debt collection

they all every hour I talk to each person telling them I have paid my det and to stop calling. but they will call back this has been going on for weeks now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/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 Experian 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 an loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts and address have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

It is known that there is a PANDEMIC and that the US Government passed at least two laws regarding the pandemic and offering assistance due to what is happening. Besides this the student loan company proceeded debiting my account that did not hace funds available and was charged a fee due to that. 

Also I timely requested forbearance of this student loan and all though the forbearance was filed via email AND uploaded to the companies website, they continued to debit my account against the law.
Product: Debt collection

I was sued by Pressler and Pressler after telling them over and over again that the dept was not mine. They did not care and said I had to pay it regardless. I have n't known what to do about this until I read about their attorney review practices. I am most certain the lawsuit against me was illegal, yet I am now making payments on a debt that is not mine.
Product: Debt collection

{$550.00} for XXXX has been placed on my credit incorrectly.. I do not owe this amount and I did not receive any communication about this debt.
Product: Mortgage

I have spoken to customer service in regards to unlocking my account to allow payments through the one time payment portal. Today I spent a long time on hold only to be transferred to a full voice mail. This company is forcing me to pay my mortgage by certified check without notice and or justification. 

This company will ignore that you exist and will make it clear that you are of no value and or concern.
Product: Mortgage

On XX/XX/XXXX I conducted an analysis of my principal payment owed and noticed a difference between what NewRez says the principal amount is versus my analysis. I looked through my payment history and identified the mistake. On XX/XX/XXXX I sent a principal only amount ( labeled on check with account number ) in the amount of {$8000.00}. For some reason a person at NewRez split that amount into a principal only payment of {$5800.00} and a regular payment of {$2100.00}. That should not have happened because I made my regular payment of {$2100.00} on XX/XX/XXXX and the XXXX payment of {$2100.00} on XX/XX/XXXX. I notified NewRez via email about this problem and the check of {$8000.00} and have received no response other than they received the email and will respond as soon as possible. I called NewRez on XX/XX/XXXX and the person I spoke with said it would be taken care of in 1 week. One week has passed and the principal amount owed is not correct. I can not refinance my loan until I know the correct payoff amount. As of right now, NewRez has done nothing.
Product: Credit reporting or other personal consumer reports

( b ) Accuracy of report 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 about whom the report relates. 
XXXX is reporting this information as a charge off XXXX month. 
A balance is being reported and a charge off can not have a balance reporting. 
The amount has been reported as a loss for each breauru. 
XXXX is reporting this as being payed as agreed this information is indeed incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of the privacy. 

15 U.S.C 1681 Section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

BARCLAY 'S BANK OPERATED A MASTERCARD ACCOUNT FOR US AIRWAYS. 
I WAS PROMISED XXXX COMPANION TICKETS WHICH WERE NEVER PROVIDED. 
I WAS BILLED A YEARLY FEE IN THE SECOND YEAR WHICH WAS SENT TO ME LATE. 
THIS TRIGGERED A LATE FEE. 
WHEN I LEARNED OF IT, I SPOKE TO AN ASSOCIATE WHO SAID I COULD CALL BACK IN A FEW DAYS TO DECIDE IF I WANTED TO KEEP THE ACCOUNT. 
HOWEVER, THIS WAS UNTRUE AS MY ACCOUNT WAS FLAGGED AS OVERDUE AND DESPITE PAYING EVERY DIME OF THE FEES AND CANCELING THE ACCOUNT, IT WAS STILL REPORTED AS DELINQUENT TO THE CREDIT BUREAU AFFECTING MY XXXX CREDIT SCORE!
Product: Credit reporting, credit repair services, or other personal consumer reports

This same problem happened last XX/XX/XXXX almost on the exact same day. This must be a yearly thing for Experian. XX/XX/XXXX, Experian lowered my FICO score 25 points from XXXX down to XXXX only because I have NO BALANCES on my charge card statements. I have copies of charge card statements of this. IS this due to banks PAY OFF Experian to find any reason to lower my FICO score so banks and finance companies can profit more money off of innocent hard working americans like myself??? It is Experian`s idea to pay in full all balances of my credits cards to obtain a great FICO score. So when I do as Experian says to do, I get penalized for paying off my credit cards. Seems like I have trouble with Experian every XX/XX/XXXX of each year. WHY is this???
Product: Vehicle loan or lease

On XX/XX/2019 I made a monthly loan payment to PNC bank and the branch manager made my payment into the wrong account ( I assume it was in her own personal account ). I began getting late calls and mail. I contacted PNC and shared my receipt and canceled check and basically they could give a crap. Told me it would take up to 10 days or more to resolve this matter. They arent sure how to handle the late fee, which was assessed due to the branch manager placing my {$1100.00} into the wrong account. They have stolen my money and even though they have the receipt and video on this transaction they tell me its internal and they cant discuss this with me. My payment was made 6 days before the late due date. Im worried about my credit and future payments since they are totally incompetent and are protecting the theif branch manager, XXXX XXXX, XXXX XXXX branch in XXXX Ga.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a formal request for investigation to Experian regarding certain inaccurate items on my credit report. Experian responded that the items were verified, yet failed to provide any supporting documentation proving the validity of their investigation. 

On XX/XX/XXXX, I sent a follow-up demand requesting Experians policies, procedures, and specific documentation used to verify the disputed accounts, including their method of verification ( MOV ) under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ]. Experian has failed to respond with the required documentation.

Under FCRA 611 ( a ) ( 5 ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ], if a disputed item is not properly investigated, it must be deleted from my credit file. Experians failure to provide the requested verification documents indicates noncompliance with federal law.

If Experian does not remove these improperly verified items in 15 days, I will be filing a lawsuit in New Jersey XXXX XXXX or arbitration with the XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and pursuing all available remedies.
Product: Mortgage

My home was was wrongfully foreclosed on XX/XX/XXXX by Brock and Scott, PLLC. I  requested proof of claim ( the Note and Deed of Trust of the foreclosing bank and the Arrearages ) for whom they were representing. They said they were foreclosing for Fannie Mae. I have been fighting for 5 years to pay this mortgage. I have filed Chapter XXXX Bankruptcy and the Trustee disallowed XXXX 's claim because they did not file the Proof of Claim. We paid {$30000.00} into the Bankruptcy fund toward the Mortgage and this money was dispersed to unsecured creditors. I have 2 lawsuits in Chancery Court. One was filed in XXXX, the Judge has not ruled in that case, and I filed a Pro Se Petition on XX/XX/XXXX. I have a court hearing on XX/XX/XXXX but I have to file a response by XX/XX/XXXX because the defendant who purchased the house filed a Motion to have my Lawsuit dismissed and he also filed a Detainer Warrant in General Sessions Court to get possession of the property. My son and I are still in the house. My husband left in XX/XX/XXXX because of the stress and anxiety. He is XXXX and suffers from a work related back injury and is in pain 24/7. We are trying not to be evicted from our home. We built this house in XXXX, paid {$20000.00} down, paid mortgage payments for 10 years ( {$200000.00} ) plus the {$30000.00} to the Chapter XXXX Bankruptcy and we still don't know who owns this Mortgage, only that 4 different companies ( 1. XXXX, 2. XXXX XXXX XXXX, 3. Priorty Trustee and 4. Brock and Scott ) none of which have produced the Note and the Deed have continuously tried to wrongfully take our home.
Product: Credit reporting or other personal consumer reports

According to XXXX v Transunion XXXX. Transunion is supposed to ensure XXXX POSSIBLE ACCURACY. This account violates there laws 15 USC 1681i 15 USC 1681s2 15 USC 1681i5 15 USC 1681eb. Delete ACCOUNT
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I received a copy of my credit report in XXXX 2017 & noticed " XXXX '' unauthorized inquiries reporting to my TransUnion credit report : ( XXXX ) XXXX/XXXX dated XX/XX/17 & ( XXXX ) XXXX/XXXX dated XX/XX/17. I have written TransUnion several times ( certified mail ) notifying them that the inquiries were not mine, are unauthorized, and were not solicited by myself ( verbally or electronically ) on multiple occasions. I do not have " any '' accounts with these companies, have no interest in their services, and have not requested their services. To no avail, TransUnion has " responded '' every single time with an " explanation '' of what an inquiry is. I have also, previously requested that they " stop '' responding with a letter of " explanation '' as to what an inquiry is - and to remove the inquiries immediately. My credit score with TransUnion is in the mid XXXX XXXX consistently - as I am a homeowner & business owner, and I am very responsible with my credit. Due to these " XXXX '' credit inquiries & TransUnion completely ignoring my admission that the inquiries are innaccurate & unauthorized by myself : TransUnion Credit Reporting Agency has directly resulted in my being denied " credit '' as a direct cause of these unauthorized inquires. Due to me requesting the deletion of these " XXXX '' inquiries and requesting correct, accurate, reporting within my personal consumer credit file to TransUnion for " months '', TransUnion has caused me great stress by damaging my credibility with potential lenders, and has been a direct result of great emotional, mental, and physical stress by lowering my credit score. This is very scary and I have since proactively obtained several credit monitoring services, and of course, these services are being provided to me for a monetary fee. This has been a nightmare! Before these inquiries " appeared '', I was in the " upper '' XXXX XXXX as I am with the other credit reporting agencies. Please help & get this consistent problem of inaccuracy resolved.
Product: Mortgage

I requested my amortization schedule because it is not accessible on my account online and also requested to pay my escrow shortage of {$620.00} for acct # XXXX. I made the request and payment via phone call on XX/XX/23. My Escrow shortage payment of {$620.00} was paid to BSI on XX/XX/23 by my bank. I again requested online on XX/XX/23, when my account will be updated to reflect the escrow payment of {$620.00} but have not heard anything. The prior mortgage company would immediately update the escrow shortage after payment and I was also able to see it reflected in my account. I was also able to see my amortization schedule online with the prior mortgage company prior to them selling my account to BSI Financial. I am concerned my payments are not being properly applied and would like communication from BSI Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Trans Union are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : 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 These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Mortgage

This all began in early XXXX when I received the letter concerning my Mortgage increase. They included my water bill in which I had explained that I had paid and wanted them to review it without out the water bill on my taxes. They requested for me to email them the information in which I had done. I had called 3 times prior to XX/XX/XXXX concerning not receiving my bill. They promised that they sent it, I explained that I was leaving on vacation and wanted to pay my mortgage prior to leaving on the XXXX. Finally they sent me my bill on XX/XX/XXXX. Mind you I was out of town and now my payment was late. When I came back I notice the bill and called right away. We mailed the check out that same day. They stated that there is nothing that they can do as the XXXX was the deadline. I kindly reminded them of all the calls that I had prior and needed for this to be reviewed. I was asked to call back and that they will only waive 1 late fee for the entirety of my loan in which they stated I can ask for this to be reviewed. Mind you I had been waiting now since the beginning of XXXX for them to review my taxes. I asked about this and was told that oh I see the email, but nothing has been done I would need to call back. I have a job! I have spent more time on the phone with the mortgage company than I do my own husband. I called the next day and they never ordered for the review and now it will take another 15 days. So I call on XX/XX/XXXX to make my payment for XXXX as they still had not processed my check from XXXX. They asked for me to cancel the check and call back to make the payment. I call today on XX/XX/XXXX to find out that they applied my XXXX payment to XXXX making me now 2 months late on my mortgage. This is all their issue and I want this all to be rectified and for me to now be compensated for doing their JOB. This has been the worst company that I have ever dealt with!
Product: Credit reporting or other personal consumer reports

There is a collections on my credit reports that doesnt belong to me. Ive told them it was identity fraud and they havent removed it. 
Its with National Credit Systems {$8500.00} is the amount Ive filed with the FTC and its still hasnt been removed.