23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please refer to document XXXX for pre -submitted supporting documentation. 


XXXX XXXX XX/XX/2023 Subject : Complaint Regarding Retaliatory Tactics and Account Status Changes To whom it may concern, I am writing to express my deep concern and dissatisfaction with the recent actions taken by Mr. Cooper Mortgage Company in response to my complaints. It has come to my attention that the company has engaged in what appears to be retaliatory tactics, specifically impacting my account history through repeated status changes. 
To provide context, I have been a loyal customer of Mr. Cooper Mortgage Company for almost 20 years and have always made consistent and timely mortgage payments. However, over the past few months, I have encountered various issues with the company 's services, which I have brought to your attention through multiple complaints.

My concerns primarily revolve around inaccurate reports on my credit statements, which are CONSTANTLY CHANGED FROM TIME TO LATE. This is poor customer service, and it's been happening since XX/XX/2023. During my efforts to address these issues with your customer service department, I have observed an alarming pattern of account status changes that directly affect my credit history and financial stability. 
It is disheartening to note that these status changes have occurred immediately following each of my complaints. While I understand that mortgage companies may need to review accounts periodically, the timing of these changes raises severe concerns about the company 's motivations and intentions. The sudden negative impact on my credit score and the financial stress these actions have caused me is entirely unacceptable.

I believe in open and honest communication to resolve issues, and I expect the same from a reputable company like Mr. Cooper Mortgage. I sincerely hope you will take my complaint seriously and investigate the matter thoroughly. I kindly request the following actions be taken : A comprehensive review of my account history focuses on recent status changes.

Transparent communication regarding the reasons for these status changes, particularly their correlation with my complaints.

Prompt correction of any inaccuracies or errors in my account history. 
Assurance that no further retaliatory actions will be taken against me due to my complaints.

I believe in fair treatment and resolution of issues, and I trust that Mr. Cooper Mortgage Company shares these values.

Thank you for your attention to this serious issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my report that there doesn't seem to be a record of with the consumer. I reached out to Best Buy credit card dept and CitiBank and neither have record of my SSN ever being in their system however, XXXX is reporting as though it has. XXXX can't remove it without paperwork from Citibank Best Buy and Citibank Best Buy tell me they can't provide anything because I am nonexistent in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information is completely different. One report is reading a different balance, creditor name, and a different address than the other. This information is inaccurate! And I need it removed from my account. Attached are pictures of both creditors thats charging me the same debt. One account is reading that the account is closed and the other states that it is open.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the the company Home Depot & credit bureaus including XXXX. They have yet to remove a fraudulent hard inquiry on my credit report known as the/XXXX inquiry from XX/XX/2020.
Product: Debt collection

I have received numerous of phone calls that I have proof where I screenshot the phone calls with my cellphone also called my parents number which made her very upset. 
this week XXXX have called over 5 times this week and last week called over 8 times within 7 days regarding to the Debt collectors violate the Fair Debt Collection Practices Act ( FDCPA ) when they harass, oppress, or abuse you. 
Its harassment when debt collectors : *Place repetitious phone calls or use electronic communications such as text, email, and social media messages intended to harass, oppress, or abuse you or any person *Call you without telling you their name Also the state 's statute of limitations has been reached on this debt.
Product: Checking or savings account

I had tried to go to make a withdrawal at Wells Fargo XXXX XXXX XXXX, FL XXXX using a drive through service for some cashes. I gave them my debit card and driver license but since I was having a mask on due to the Coronavirus situation I was denied or else I needed to take off my mask! This is not right in a situation like this to think wearing a mask is a fraud transaction. If I caught the virus by the bank asking me to take it off will the bank hold a responsibility for me getting infected! I have told them I am a XXXX  and still I got a reply that wearing a mask meaning you are sicked! I am way more literate in terms of the medical issue and it is not right for the bank not giving me my money regardless I am sicked or not! It doesnt make sense! Who could steal all form of ID cards first of all? I have told them there are other forms of identity that you can verify! By what the bank is doing is not protecting me but trying to avoid its customers to make any withdrawals! I first had a withdrawal slip that I wrote prior to coming to the bank. The service manager named XXXX XXXX XXXX said I needed to write another withdrawal slip in front of him so I asked him to give back the first one! He  replied no. How could I be sure that he wont cash it and put it in to his account. I dont understand the policy he insisted that he would shred it! I denied that he either returned it or I had to cross it out and he kept it! This is unfair business practice and also unfair to discriminate not providing a service for customers wearing a mask during the panepidemic crisis! The banks need to be updated its policy to fit the global situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint XX/XX/XXXX and Experian was able to respond XX/XX/XXXX because they did not do an investigation at all. This is how they are able to give immediate responses. They have continued to violate the FCRA by not providing verifiable proof of any information. The FCRA was put in place to protect consumers and I don't understand how Experian is continously able to get a way with this. Experian has failed to follow reasonable procedures and failed to conduct a reasonable reinvestigation with respect to the inaccurate bk information.
Product: Debt collection

I noticed three accounts on my credit report saying that I owed the following : Account XXXX : {$4100.00} Collections Agency : CBE Group Company : Charter Communications , Inc. ( XXXX XXXX ) Client Ref # : XXXX Alt Acct # : XXXX Address used : XXXX XXXX XXXX, XXXX, KY XXXX Account XXXX : {$4400.00} Collections Agency : CBE Group Company : Charter Communications , Inc. ( XXXX XXXX ) Client Ref # : XXXX Alt Acct # : XXXX Address used : XXXX XXXX XXXX, XXXX XXXX, KY XXXX Account XXXX : {$3400.00} Collections Agency : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Xfinity ) Address used : XXXX XXXX XXXX, XXXX, TN XXXX Email address used : XXXX None of these addresses or emails are affiliated with me. The fraudster used my information to purchase phones and services. I've filed disputes with XXXX, XXXX XXXX, and awaiting a call back from XXXX to dispute account 3. Calling the other credit bureaus to dispute as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX  credit profile data breach, I now am a paid subscriber to all the 3 main credit reporting agencies, I noticed on several of the credit burros were reporting inquiries that I never made or asked for. the credit burros worked with me to investigate them and settled them accordingly.. 


I called Transunion 6 months ago to report to them I didn't know who 5 of these inquiries were form they refused to listen to me dispute them, I told them I disputed them, and they asked me to got to the police and get a police report then they would delete them from my credit profile. I went to the XXXX city police department, XXXX precinct. a police officer at the desk told me they had no way of knowing if the crime occurred within XXXX city or not, the lady officer did give me a police report pamphlet with a note saying as much with her phone and badge number..i faxed this with my dispute letter to Transunion. when I called in the next day the transunion representative told me what I had sent in was not sufficient to investigate my claims that I didn't know who made the inquiries.. 

I called again and got another representative who told me anyone can pull me credit without my permission and this was the law, but I read on the government fair credit act I have to give permission, which in these 5 instances I did not give permission and I am certain I didn't.. 

the 5 inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I dispute these inquiries on my credit report because I never gave my permission for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical collection bill on my Equifax credit report from some company called XXXX. I have never heard of this company. I don't know what this bill is and I am sure it is not mine. The Company has no information on it's address or phone number. This needs to be removed from my credit report immediately.
Product: Credit card or prepaid card

I lost my wallet that included my bank of America debit card issued by unemployment as well as my NJ id. I called Bank of America and had issues resolving the problem. I was asked to go into a Bank of America location with two forms of id. The problem is that due to covid NJ DMV is not running regular hours. I have not been able to get an appointment. I am a XXXXyear-old man, I already don't want to spend more time out in public places than I have to. I have reached a point that I'm not sure what to do. This week coming up will be the 6th week of claiming and not being able to actually get my money. 
I hope that someone can please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reporting false information on my credit report this account does not belong to me and should be remove immediately the address and info is not correct ive have filed a police report and XXXX  report in regards to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX. has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit card or prepaid card

Capital One tells me I owe {$380.00} as of XX/XX/2018. I have spoken to dozens of people asking them to explain how I owe this amount as I dispute it. No one can or will explain how I owe this amount. It is not legal for a company to make a demand for money without being able to explain their demand. They will not itemize for me the amount or show me or tell me based on anything how they have come up with that amount. I dispute entirely that I owe this amount. I am asserting they have made a bookkeeping mistake. It is my right to know what I am paying and why but Capital One says they can't explain it. That everything is computerized. And I am saying the computer made a mistake since I do not owe what they are asking. After I say that they won't help me. They can't just bill me something and get blind trust from me. I am a thinking person asking questions. Asking for an intelligent explanation of how I owe the XXXX. Telling me that it is all computerized and that they can't explain it is no answer..and I dare say if that is how businesses are run ... businesses could say anything they want and people would have to pay " because the computer says so ''. I need to know what I am paying for..how and why. Not just " it is all computerized ''. They can have someone go over my account and find exactly how the computer came up with the figure and then explain it to me. that's what I need. I don't have money that grows on trees and before I pay a bill I have to understand it based on facts and figures. Not based on " the computer says so ''.
Product: Mortgage

In XX/XX/2020, I was recognized in NJ as a 100 % XXXX veteran so I have no property taxes from XX/XX/2020 until forever. I notified Mr Cooper mortgage immediately of the change so that my escrow payments could be reduced. 

In XXXX I checked my escrow and Mr Cooper had failed to make any changes to reflect the fact that I did not have to pay taxes. I again sent them proof to an email address they gave me. I also resent the documents to a Mr Cooper employee 's email address. 

In XXXX, after pandemic forbearance I checked again. Still, Mr Cooper has not remedied the matter. My mortgage payment is indicated at {$2700.00} per month which reflects about {$850.00} for real estate tax escrow. 

I have called several times, messaged them several times and re=sent to proof of no taxes but still no change. I have not paid the XXXX mortgage payment because it is about {$850.00}. more than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, and XXXX XXXX have violated my rights. 

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: Checking or savings account

On XX/XX/XXXX I was attempting to recover charges made on my XXXX XXXX daughter 's XXXX   Card, I called the number I believed to be XXXX  Support. While I was attempting to get {$14.00} refunded I was directed to make dummy transactions by using XXXX Chase to proceed further services. I was asked to enter verification codes, which were actually the dollar amounts they were scamming from my Chase bank account with XXXX in the Chase App, I quickly realized it was fraudulent & hung up the phone. I immediately contacted Chase on support line & froze the account. I was assured that I had froze the account before any charges were processed. I received an email from Chase Quick Pay Team stating the charges were canceled.This was on a Friday. On Monday I went to the Chase bank lobby and closed those accounts & transferred all of the funds to 3 new accounts. I was again assured by the accounts representative that no withdraws had been processed and I didn't need to be concerned about the charges after opening the new accounts. The next morning ( XX/XX/21 ) I checked my new accounts and realized that the fraudulent withdraws had been processed. I immediately called the account rep who had assisted me the previous day, she assured me that it must be an error and she would check into it. That afternoon I was contacted by the same bank employee that the charges did go through and they could not refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Bureau is still reporting an inaccurate account from the company : Self Financial/ Lead BA account # : XXXX and account # : XXXX. This account was disputed multiple times for the first fraud and continuously reported on my credit report without proper investigation. I have never received any written correspondence from either company, XXXX or Self, about my credit report or an update to my credit report. 
I would like this account removed immediately from my credit report. The account is also charged-off and a charged-off account by a creditor or financial institution is considered income. And income can not be reported on a credit report.
Product: Debt collection

I repeatedly receive calls from this company. They leave voicemails with dead air. Every time I call back, I tell them I am disputing this debt. Today they have already called three times. Each time is a different phone number. Ive called them back twice notifying them I have disputed this debt with the original creditor. I then ask to be transferred to a manager. Said manager rushes through his name therefore I am able comprehend him. Once I tell him Ive disputed this multiple times with this company and the original creditor, he then says they will remove my number from their call list. I then receive another call from the same company, different number calling about the same debt.