23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was just told by a manager at Caliber Home Loans, that despite being negatively impacted by COVID-19 ( death in my household from COVID-19, laid off from work due to COVID-19, and assuming on the responsibilities of a dependent due to the death of one parent due to COVID-19 and the other by XXXX ) and turning in my request for a loan modification, I will still lose my home. I was told earlier today by another representative that my modification request was received and that the foreclosure would be postponed. Also, the day that the foreclosure notice ( XX/XX/22 ) was posted, I was emailed a modification application to which I completed and returned. The manager that I just spoke to said that the the application should not have been sent. Despite other representatives telling me that I qualify for hardship assistance, the manager is insistent that there is no one else that I can speak to, the decision rests with her and that there is not enough time to stop the foreclosure, despite it being over a week away and despite my application for assistance that I am told I am entitled to by having an FHA loan has been received by Caliber Home Loans. If I lose my home, I and my young cousin who also resides in the home ( who recently attempted suicide three times and is barely coping with the loss of her parents ) will be irreparably harmed and homeless. I am working now and could stay in my home with a hardship modification.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/year>, I contacted Mr. Cooper because I am a 100 % XXXX Veteran and in the state of Texas, I am exempt from property taxes. Per Mr. Coopers instructions, I emailed the escrow department a copy of my tax exemption from XXXX XXXX, TX. I received an automated response that I would receive a response in 8-10 business days. To date, I have not received a response. I followed up and called Mr. Cooper in XXXX, XXXX, XXXX and today in XXXX. 

Mr. Cooper still has failed to apply my tax exemption to my escrow account and continues to collect a tax payment from me every single month when I exempt from this payment by law. They still have not processed my exemption and re-ran an escrow analysis on my account on XX/XX/XXXX- which included a payment for taxes.
Product: Credit reporting or other personal consumer reports

I sent out Debt Validation Letters for all negative items being reported on my credit reports, with all 3 major bureaus, on Thursday, XX/XX/year>2024. The cause of this was all the information I received about data breaches containing my information, even though I have a right to check my consumer credit reports at any time. I do not recognize many of the companies listed on my credit reports ; I have not done business with them. After respectfully requesting the verification of all negative information, the request was ignored and/or overlooked. The 30 day response period expired on or about Sunday, XX/XX/scrub> 2024.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XX/XX/year> RE : Request to provide Method of Verification To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of XXXX {$710.00}, affirm {$0.00} XXXX {$14000.00} I requested an investigation because I felt the item was not being reported legally. 

XX/XX/year> I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

2. What certified documents were reviewed to conclude your investigation?

3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of the contract bearing my signature with COMMONWEALTH FINANCIAL SYSTEMS ( CFS ) onXX/XX/XXXX, via Certified Mail, CFS received it on XX/XX/XXXX. It has been over 31 Days and still no response from CFS. Again i request a copy of the contract bearing my signature with CFS. There are no notice of disputes on my recently pulled credit report with CFS they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX Balance Owed : {$4900.00}
Product: Student loan

NAVIENT HAS NO ANSWERS FOR ME REGARDING MY LOANS! I beleive there is deceptive practices occurring and I have exhausted all efforts to get information. I am paying all interest at this point as the initial loan ( s ) amount has been paid. Further more every month they report an increase to the credit bureaus when in fact I am paying every month and my balance is going down.

I pay {$95.00} a month for 4 loans and every month from the credit bureaus I get info that my balance has increased not decreased. 

This is the info I receive : It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
BetweenXX/XX/XXXX and XX/XX/, your NAVIENT student loan account balance increased by {$1000.00} from {$690.00} to {$1700.00}. 


Additionally I was placed and released on a forbearance program of which I have had no knowledge of and incurred missed payments derogatory marks which they will not clear.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX Employers : XXXX XXXX XXXX  ; XXXX XXXX XXXX ; XXXX ; XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  | XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit card

I recently applied for American Express Platinium Credit Card with my U.S Social Security number on XX/XX/XXXXXXXX  but was denied. As you may know, this denial goes against the Equal Credit Opportunity Act. According to federal law 15 U.S Code 1691c and 15 U.S Code 1691k, American Express violates my consumer rights, specified under 15 U.S Code 1642, 15 U.S Code 1681m, and 12 CFR 1002. I urge American Express to rectify this situation promptly and compensate me for using my securities to avoid potential securities fraud allegations, as I have not received any benefit from this transaction. Also, I've thoroughly reviewed the terms and conditions, confirming eligibility criteria for the credit card, such as being 18 or older, having a US address, and having a valid social security number. Despite providing all the required information, my application was denied. It appears that American Express operates deceptively. I contacted American Express three separate times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  seeking clarification on the denial but I was informed there's no direct communication with decision-makers. I intend to Hold American Express accountable under 15 U.S Code 57a for Unfair or Deceptive acts or practices if they choose not to rectify these issues which are based on Facts and Facts alone. I am well aware of how to manage my securities and properly discharge debts.
Product: Credit reporting 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 168b permissible purposes of consumer reports. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting

Can you please remove inquiries from XX/XX/XXXX to XX/XX/XXXX. I 'm experiencing and issue with someone using my SSN. This was determined by a credit monitoring services, and I 'm also filing a police report.
Product: Mortgage

Nationstar Mortgage LLC d/b/a Mr. Cooper 's latest scam is that they have changed their payment system so that it DOES NOT recognize my checking account Routing Number. For many years, I have used the same XXXX checking account with the exact same ROUTING NUMBER to pay my monthly mortgage payment to Nationstar Mortgage LLC d/b/a Mr. Cooper. This month, when I tried to pay my mortgage payment, using the exact same checking account routing number that I always use for the exact same XXXX checking account that I always use I received the following error message : " Incorrect routing number. Please verify. '' I tried to enter my routing number using different web browsers and even tried to use the Mr. Cooper phone app. I continued receiving the same message. 

It is impossible to do an online chat or contact anybody at Mr. Cooper outside of their very limited business hours. 

I only have one checking account that I actively use. Therefore, Mr. Cooper is making it impossible for me to pay my mortgage and there is no way for me to get online help or any other form of help from Mr. Cooper.

Mr. Cooper DID NOT provide me with any prior notice that their online payment service was no longer functional.

There is no excuse for this type of incompetence by a company. Mr. Cooper is wasting my time and engaging in what could be best described as a highly suspect business practice by making it impossible for me to make a mortgage payment using the exact same method with the exact same account that I have used for many years to make my monthly mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

I wanted to open XXXX  savings account. 
But, Barclays bank have not been able to open the account because of the XXXX XXXX  of the credit card and bank portal that led to the authentication issues. 

When I tried to open a product called XXXX XXXX account, Barclays XXXX from the customer support informed that Barclays XXXX issues are continuing since last year XXXX and the bank has not been able to fix the login issue for me. This call happened with Barclays customer service on XX/XX/XXXX. Due to not able to fix the login issue, I AM NOT ABLE TO OPEN THE TIERED SAVINGS ACCOUNT. 

Barclays bank has been CONSISTENTLY LYING to customers and wilfully violating the laws by impacting US customers. With me being as the customer not able to open the account is a clear example of Barclays bank violating banking laws of United States. Pls apply fines on this bank for delibrately creating problems of merging user interface and creating problems for their customer with NOT ABLE to open accounts.
Product: Mortgage

I tried to stay current on my mortgage during the pandemic however I fell behind in XXXXXXXX XXXX. My loan was transferred to Selene finance and they put me into foreclosure. I have an FHA loan and Selene did not tell me assistance was available. They did not offer me any assistance nor did they inform me of the programs that FHA had put in place for homeowners like myself. Every time I tried to get information regarding the FHA partial claim or recovery modification I was told I had to send in an application with full documentation. I am now in foreclosure and incurring fees and lawyer costs without even being informed that I could have gotten a streamline through FHA and been helped. I think Selene has violated the CARES act by blocking me from assistance and then putting me into foreclosure. The COVID pandemic was horrible and I do not think I should lose my home. Especially if there is available assistance and Selene blocked it.
Product: Payday loan, title loan, or personal loan

On the XXXX of XXXX, Barclay Loan received a cashiers check from XXXX XXXX XXXX in the amount of {$18000.00} to pay off the Barclay Loan. We did this to get a much lower interest rate which created a savings of {$7000.00} for us. 

Barclays cashed the check on the XXXX of XXXX XXXX. We went the check by XXXX and have the tracking number where Barclays received it. I have a copy of the check that was sent and the back and front of the cashed check. Barclays is claiming the can not locate the check, and therefore can not clear my account. They are also sending me late notices on payments. They know they have the check but refuse to credit my account until they can locate in their system. Since I have proven that they received and cashed it, I feel they should clear my account and do whatever they deem necessary on their end to located they payment.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXXXXXX XXXX about XXXX weeks ago opting out of any and all authorization. I am hereby putting XXXXXXXX XXXX under default per 15 usc 6802. see attached
Product: Credit card or prepaid card

This has to do with my Barclaycard US credit card. I got notified after my payment was late that I had a {$20.00} payment due. I know I was on auto-pay, but they can't explain why my bank info wasn't there. 

Fine, this was less than 30 days after the due date, so I put in new bank information and submitted payment. I once again did not get notified that my bank returned payment for some reason. It wasn't until I was randomly checking my bank account online that it said the payment was refunded. 

I also now have a late payment on my credit report which had hurt my credit score. I've never been late on a payment before, so this is deeply disturbing for a ~ {$20.00} charge.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX PayPal advised me that they were placing a six-month hold on the funds in my account. At that time, they told me that at the end of six months I would receive an email with instructions to recover my money, approximately {$2700.00} XXXX. 

Then on XX/XX/XXXX, my balance was reduced to nil by way of two transactions that I did not authorize, described only as " Transfer ''. One was for {$1300.00} XXXX, the other one was for {$1600.00} XXXX. 

After 50 minutes I was able to speak with an agent on XX/XX/XXXX, who advised that the funds were indeed taken over by PayPal due to a violation of their T & C. He said that he was unable to say what terms and conditions were violated due to security reasons. When I asked him to explain the incredible coincidence that the amount they " fined '' us was exactly equal to the amount of money we had in our account, he advised that they can take anywhere up to {$2500.00}. 

PayPal has stolen my money.
Product: Debt collection

To Whom it May Concern i am tired of being harrassed by debt collectors I XXXX XXXX consumer, and natural person am aware of all the rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ) The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Section 602A States I have the right to privacy.

The Fair Credit Reporting Act ( FCRA ), also known as Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). These agencies compile reports on individuals for various entities, including credit card companies, banks, employers, landlords, and others. 

The FCRA forms the foundation of consumer rights law in the United States, alongside the Fair Debt Collection Practices Act ( FDCPA ). It aims to protect consumers from the inclusion of erroneous data in their credit reports. Key provisions of the FCRA include regulations on collecting, disseminating, and using consumer information, particularly related to credit history. 







FCRA Section 623 ( a ) ( 1 ) ( C ) outlines the responsibilities of furnishers of information to consumer reporting agencies ( CRAs ). 

Let me break it down : 1. Duty of Furnishers of Information to Provide Accurate Information : Prohibition : 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. 

Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

The information is, in fact, inaccurate. 

The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

The information is, in fact, inaccurate. 

No address requirement : If a person clearly and conspicuously specifies an address for notices related to inaccuracies, they are not subject to the abovementioned prohibition. However, selecting such an address is not mandatory. 

2. Prohibition : 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 XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX accts XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX