23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper ( Nationstar? ) has been messing with my money since they bought my loan in XXXX. They've moved around my down payment, closed my escrow without permission and submitted me a check, then reopened my escrow without permission or any signed documents to do so and are demanding repayment by raising my mortgage payment WITHOUIT notification to me of them doing so.

I've tried to contact them for months and can never get a person on the phone. I've tried since XXXX. They are causing me mental stress and financial hardship now. I sent them a cease and desist letter due to their harassment and retaliation after all of this. I've contacted the FBI, XXXX XXXX XXXX, and still no one from Mr. Cooper has contacted me. I am at wits end. I am concerned for my money as they are moving it around, not showing on the website what happen
ed to it, then when I contact someone it magically appears like " it was always there. '' I am tired of this company and wish they'd NOT own my loan because I fear they are just going to try to take my home. I have no support and am financially stuck in what income the VA gives me and that's it. I am on a fixed income, a XXXX XXXX XXXX vet, and this company is not providing a service they are supposed to. 

XXXX XXXX XXXX Mr. Cooper is messing up my loan account, moving my money around, and not showing a paper trail. Mr. Cooper is closing accounts within my loan WITHOUT my consent. Mr. Cooper is not contacting me after countless attempts to get someone on the phone. Mr. Cooper raised my payment in retaliation to their mistake and never contacted me about it, even after I'm pretty sure having been legally obligated to do so.

I sent a cease and desist letter to these idiots to get them to stop emailing me and to contact me by phone. They took it as a they don't have to talk to me anymore. I'm done.

I need help getting this company to get rid of my account, AND fix their screw ups. At this point, they've moved around XXXX dollars ( My down payment ) and I had to chase it down to get it reposted to my account. Now they've screwed up my escrow account. I need help locating my money and getting them to stop screwing with my life.
Product: Debt collection

Midland Credit Management took me to court for a debt that did not belong to me. On XX/XX/2019, a XXXX XXXX dismissed the case. However, Midland Credit Management is still reporting the debt to the credit bureaus saying that I owe it and it is still in collection. I disputed the entry and Midland refuses to remove it saying that the account is still open and that I owe the debt.
Product: Checking or savings account

I called into direct express customer service this morning to relay issues I was having with a transaction from XX/XX/XXXX for {$110.00} from XXXX XXXX I was explaining to the merchant that I had already filed A dispute for the transaction and that the problem I was having is that the merchant was still giving me the runaround and telling me that even though I requested a cancellation that they would still continue to charge my credit card up to 60 days pass when they receive my cancellation request and I was trying to call In to see how I can have the merchant block from charging my card. The representative was extremely ghetto and very rude and unprofessional on the phone she had kids playing in the background with the TV on making all kind of noise when I was explaining what I needed with her she got an attitude with me tell me why why dont I just get my money back from the merchant which is redundant because I already told her that I had a dispute already in process because the merchant was refusing to refund me or cancel the services then she kept asking me who the merchant was and what the amount was even though I already told her four or five times at this point when I asked to speak to her supervisor she got a further attitude and rather than transfer me to a supervisor she disconnected the call and transfer me to the survey
Product: Credit reporting, credit repair services, or other personal consumer reports

All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( XXXX ) ( Equifax, XXXX, and XXXX ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( XXXX ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  carrier services, Fair Credit Reporting Act, Section 609 Letters to the company ( XXXX ) Equifax, XXXX, and XXXX. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO RESPONSE.
Product: Credit reporting or other personal consumer reports

XXXX called and had TransUnion remove security freeze permanently. I spoke to XXXX representatives that informed me that the security question to authenticate me was unavailable. 

Representative informed me that she could not help me and mail in documents. 

Informed representative that I had a PIN number and representative informed me that PIN are no longer used. 

I never received any documents informing me that PIN are not used anymore. 

I asked for supervisor. 

I was transferred to supervisor and freeze was lifted permanently. 

Today the security was placed back on my credit report without my knowledge. 

I spoke to XXXX representatives and XXXX in the XXXX department and none of them could lift security freeze. 

All of the representatives stated that their system could not generate security questions. 

The representatives also informed that I had the security freeze lifted and added to many times and that is why the security questions are not generated. 

I informed the representative that I am within my rights to add and lift the security freeze on my file as many time as I wish. 

I asked to be transferred to the supervisor and supervisor informed me that freeze could not be lift because no security question were available to have me authenticated. 

I also informed supervisor that I their online tech support submitted ticket last week to fix issue online to freeze & unfreeze file and nothing was done. 

As of today, my credit report is frozen.
Product: Debt collection

I received a call from a XXXX XXXX XXXX collection agency saying that I was being placed in collections for a spectrum account. I informed them that the account they were calling about was not mine. I proved this to the collection agency and spectrum. The agent reviewed my account, noticed that all billing statements were in another person 's company name, and went to that company 's billing address. I was listed as an authorized user on this account. I did not give permission to any of my personal credit information to that company 's account. I worked for that company, which is why I was listed as someone who could call in and make changes. The Sunrise agent sent she placed the account with their fraud department and told me that they would remove this item from my credit report, and it would take up to 60 days. It has been over 60 days since I spoke with them in XXXX of 2022. I want this account removed from all of the credit reporting agencies as this is not my account.
Product: Credit card or prepaid card

To whom it may concern, Since XX/XX/2021 my husband and I have been trying to track a Bank of America Visa credit refund in the amount of XXXX. A credit refund was processed from XXXX XXXX XXXX  XXXX for a reservation that was cancelled. XXXX XXXX XXXX  XXXX purchase was made using XXXX as a financial go between. The refund was processed by XXXX XXXX XXXX XXXX and sent to XXXX XXXX who then sent it to Bank of America it is at this point where the refund seems to have been lost. We have asked XXXX to trace the refund more than a few times and each time XXXX has responded that the refund of XXXX was successful. XXXX also gave us a trace I.D . number XXXX. XXXX explained in the letters we received the following. ( Copies of letters will be enclosed. ) If you are unable to find your credit by reviewing your card or bank statements, please provide the following reference number to your card issuer : XXXX. 

This number should enable your bank or card issuer to locate the money. 

We have made dozens of calls and spent countless hours with Bank of America and have explained the situation with this refund and given them the trace number from XXXX. No representative of Bank of America that we have talked to knows what to do with this trace number provided by XXXX. We are usually told by the BofA representative that we need to go back to XXXX XXXX and ask them to trace or recall the refund. We of course have also called XXXX multiple times and spent hours running into the same response from them telling us they have sent the refund and we need to go back to BofA to help us with this situation. 

If you read the letters we have attached you will find a more detailed explanation of the transaction and refund. What BofA is saying is that when we made a claim with them it was 4 days late and they could not dispute the charge with the merchant. We are not disputing the charge with the merchant we are trying to understand where our refund has went to, and BofA is basically saying they cant do anything. So the refund of XXXX is in some sort of limbo between XXXX XXXX and BofA but since we have the reference number from XXXX XXXX we feel this is an issue that BofA needs to solve. We would be glad to discuss this issue with anyone on your team to answer any questions. 



Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Email : XXXX Phone : XXXX
Product: Debt collection

Synchrony a collector for GE Capital is harassing me via Home Phone and Cell phone for a debt i do not owe.
Product: Money transfer, virtual currency, or money service

XXXX, a market exchange for crypto currencies, recently had some sort of system failure or margin call that resulted in frozen trades for many users and the plummet of the Ethereum ( ETH ) market from a value of over 300 USD to roughly XXXX USD in the span of a few minutes, which likely allowed some users to buy in many ETH at a low price. This cryptocurrency then rose back to price as users regained the ability to make trades to over 300 USD. <P/>I held a value of about XXXX USD worth of ETH at the time I lost the ability to make a trade, and ETH was valued at ~ XXXX USD. Then at {$350.00} I wanted to trade my XXXX ETH at {$350.00} but was unable to and was given the error message ( 'Enter a valid value ' ) despite entering a valid value. This error persisted for next 12 hours as the value of ETH dropped to below 320 USD. <P/>After trying my hand at this and giving up on trading with my laptop, out of frustration I attempted to sell my ETH on my phone. This involved the headache of authentication and setting up XXXX with XXXX  XXXX. After accessing the site through my phone, I was able to finally make a trade! The problem here was that the market orders updated too slowly on my phone and the realtime data was offline. I ended up selling at a value my XXXX ETH at a value of XXXX USD when the price was just recovering from this mysterious drop to almost being free. XXXX USD! At the amount of USD I had initially, that 's XXXX ETH! This price shot back up to over 300 USD within minutes. If I were the scammer who dropped the market at a vulnerable time for XXXX, that would put me at XXXX XXXX dollars for XXXX ETH at XXXX USD! <P/>I believe many people are upset about this issue. Many people were unable to trade/cancel posted orders/interact with the site. Please ask me for more information/clarification if that 'll help to resolve this issue.
Product: Credit reporting or other personal consumer reports

I called the credit bureaus and asked to remove personal information there was one removed but all of my personal information is still not off I have sent various letters but its still not off of my report
Product: Mortgage

Mortgage payment has been XXXX. It is through First Midwest Bank. 
In XXXX we submitted our usual payment. I got an email after XX/XX/15 stating that we were late. When I checked the website our payment had gone up to XXXX. We received no previous notification about this information. We submitted the additional XXXX dollars immediately and considered the matter closed. On XX/XX/XXXX, we received a letter stating that we owed {$160.00} to the First Midwest XXXX Department. I called them XX/XX/XXXX since XX/XX/XXXX was XXXX XXXX and was told First Midwest no longer services the loan, I need to talk to XXXX. XXXX states they have not charged us any late fees but yes the account shows we still need to pay this. First Midwest is now stating they no longer have access to the account either and we need to discuss with XXXX. XXXX has not uploaded the mortgage information so we do not know when or how to pay this money and nobody can explain to me why we owe this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for a home purchase. One of the preparation steps I'm taking is monitoring my credit report. A couple of days ago I checked my credit report for the first time in a minute and I saw a couple of items on my credit report that are not mine. I have contacted the FTC and the local police. I'm doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, NA XXXX XXXX, XXXX. XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, FCC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THIEF SOMEONE HAS GOTTEN HOLD TO MY PERSONAL INFORMATION I AM XXXX AND I'M XXXX YEARS OD AGE I NO NOTHING ABOUT THIS FRAUD STUFF PLEASE HELP ME
Product: Credit card

I paid my credit card with a money order. They did not apply the payment to my account. I sent conformation/copies from the money order company that the money order had been cashed by the credit card company. The credit card company is still not paying the {$380.00} to my account.
Product: Mortgage

BMO Harris holds out mortgage. Our primary residence suffered a water leak in the master bathroom. We completed the repairs to the master bathroom this summer and filed an insurance claim for the repairs with our insurance company. The insurance company made the app {$38000.00} check out to both my husband and I ( the mortgage holders on the home ) AND BMO Harris. 

On XX/XX/XXXX I was advised by BMO Harris that I would ned to drive to the closest BMO Harris branch to have the check endorsed back to me so I could deposit the check in my bank. I drove over 2 hours each way to the closest BMO Harris branch ( in XXXX, FL ). While there I was told to wait in XXXX for the day and I would have my endorsement stamp taken care of by the end of business. While at the branch I was forced to endorse the check with my signature and hand it over to the back clerk there. After waiting for many hours, at the end of the day I was informed that I would not be getting the endorsement I was promised. That the BMO Harris XXXX Branch needed to send my check to the XXXX Escrow office for an endorsement stamp and that it would be forthcoming within the day. 

My husband spoke with XXXX with BMO Harris Customer service who passed along our request for information. After not hearing anything from BMO Harris the morning of XX/XX/XXXX I finally spoke with an Escrow employee who answered the ohone when I called. Her name is XXXX. She informed me that we would need to undergo an inspection to verify that the repairs were done as stated, that an inspector would call me before the close of business, and would come to our house the next day to complete the required inspection so the endorsement could take place. 

The inspector did not call that day, but when he finally did call I learned he was unable to inspect until Tuesday XX/XX/XXXX. He inspected on XX/XX/XXXX and assured me that his report showing the repairs were 100 % complete ( as I had claimed ) would be to his manager 's desk by XXXX that same day. BMO Harris had previously informed me that if the inspector 's report stated the repairs were compete and that report was received by XXXX, then the check would be endorsed by BMO Harris and overnighted to me for next day delivery. 

Since the morning of XX/XX/XXXX I have been trying to get a return phone call from BMO Harris about the status of my nearly {$38000.00} check. I have called every day since XX/XX/XXXX and left a message. They refuse to return my phone calls. Their voicemail message states they will return calls within 24 - 48 hours. Its been going on FOUR days and I have not yet gotten a return call. I would like answers as to where exactly is my {$38000.00} check, and why has it not been returned to me, endorsed. 

I find this treatment extremely disrespectful and certainly unfair that they are holding my {$38000.00} for no reason whatsoever and refuse to so much as advise me as to when it will be sent to me.
Product: Credit reporting or other personal consumer reports

** [ XXXX XXXX XXXX ] ** XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX **Experian Dispute Department** po box XXXX XXXX, TX XXXX XXXX : ** Formal Dispute of Inaccurate Information on My Credit Report Dear Experian XXXX Department , I am writing to formally dispute inaccurate information on my credit report, which remains unresolved despite my previous efforts to address this issue. The inaccurate information is as follows : 1. Office XXXX XXXXt Account Number XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX Account Number XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes and ensure the accuracy of the information you report. Despite my past communications, the errors persist, which causes significant harm to my credit profile and financial standing. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to properly address consumer disputes and for inaccurate reporting. This case underscores your responsibility to ensure disputes are handled promptly and accurately. I expect my dispute to be investigated thoroughly and resolved in compliance with the law. 

To assist in your investigation, I have included the following : - A copy of my credit report with the disputed information highlighted. 
- Supporting documentation ( e.g., payment records, correspondence with creditors ). 
- A copy of my government-issued ID and proof of address for identity verification. 

I request that you : XXXX. Investigate this matter fully and correct the inaccurate information on my credit report. 
XXXX. Provide me with the results of your investigation in writing. 
XXXX. XXXX me with an updated copy of my credit report reflecting the corrections. 

If this issue is not resolved promptly, I may escalate the matter further, including filing a complaint with the CFPB or pursuing legal action to protect my rights under the FCRA. 

Please respond to this dispute within the 30-day time frame required by law. 

Sincerely, XXXX XXXX XXXX -- - Delete this in inaccurate information
Product: Debt collection

Direct Recovery Services, L.L.C. has repeatedly contacted both of my sisters, XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) regarding my debt in an attempt to both collect debt as well as to threaten legal action in the event that no action was taken. A voicemail with the aforementioned behavior was left for XXXX XXXX on XX/XX/2019. Furthermore, a voicemail was left for XXXX XXXX on XX/XX/2019. Moreover, text messages were also sent to both of my sisters regarding the same information on the same dates provided.
Product: Debt collection

This debt apparently occurred as a result of identity theft. I spoke with a representative from Acima and she stated this was a finance furniture account. I have never financed any furniture or never had a furniture bill anywhere. I had no knowledge of this debt until it was placed on my credit report. 

According to the IRS, charge offs are considered income therefore I should've received a 1099c ( if this was my debt ) Income is forbidden to be on a consumers report according to congress 15 USC 1681 2. ( a ) ( i ) No transactions or experience are allowed to be on a consumer credit report.
Product: Credit card

I reported a fraudulent charge on my credit card to Synchrony Bank They sent a fraud claim form that I completed and sent back. 
I then received a letter from Synchrony denying my Fraud Claim. 
" Customer released account information to a third party '' was the reason given for the denial. On the fraud claim I told them that credit card information was given over the phone to XXXX for a purchase. 
My wife XXXX who is also authorized on this account made the phone call. Information was not given to a third party. 
A fraudulent charge was made for {$7400.00} from XXXX on XX/XX/2016. We did not make this purchase nor did we received anything for this charge. 
It is a completely fraudulent charge.
Product: Money transfer, virtual currency, or money service

End of XX/XX/XXXX : The company I performed work for, XXXX XXXX XXXX, XXXX, made out a check to my name in the amount of {$6600.00}. The company let me know shortly after that the check was sent out by USPS and that I should be anticipating the check within in a week 's time. 

XXXX XXXX : I had not received the check as promised, so I contacted XXXX asking for the status. 

XX/XX/XXXX : Unknown to me until XXXX XX/XX/XXXX, someone with the initials ( XXXX ) had stolen my check from USPS, forged my signature and endorsed the payment in-person at the Navy Federal Credit Union ( NFCU ) in XXXX XXXX  XXXX CA. 

XX/XX/XXXX : XXXX notified me that the check had been cashed, to which I told them that I had never received it. They forwarded me a scan of the signed check, which showed it was ( i ) a forged signature and ( ii ) contained instructions to pay to the order of the initials XXXX 

XX/XX/XXXX : I contacted the NFCU to report the fraud, and they responded by saying that I would have to contact my own bank to resolve this issue, and that because I was not a customer, they had no obligations to reimburse me for the amount of the forged check. As my personal bank had no involvement in this one-time payment, I notified XXXX of this development and asked them to contact the NFCU on my behalf to resolve this matter between them and reimburse me for my loss. 

XXXX XXXX : I filed a police report on this matter with XXXX XXXX ( the location of the NFCU ) and XXXX. I also filed a report with USPS. 

XX/XX/XXXX : I filled out an affidavit of forgery addressed to the NFCU.