23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NationStar/Mr.Cooper " supposedly '' conducted an investigation into an XXXX dispute that I filed this past week. In my opinion, NationStar didn't investigate my dispute correctly because the company took less than 24 hours to return the same result that I disputed. NationStar has consistently chosen not to update the correct amount owed to them on my credit report for years because they " choose '' to lag in their reporting of my file intentionally even after bringing this to the company 's attention. They also have chosen not to have representatives pick up their phone lines anymore, thus leaving me being unable to attempt to resolve an issue I have with them telephonically. Their bot system doesn't allow you to choose to speak to anyone even after multiple attempts this week. 

As of today, NationStar is reporting a balance owed to them of {$350000.00} on my XXXX file. I've disputed this amount with XXXX and gave the correct balance owed to them as of last week which is {$350000.00}. The difference is an amount that is lagging two months behind, which this company has consistently done with my credit file since servicing my mortgage. I was told they updated to the bureaus for the month of XXXX, but they're choosing NOT to include XXXX 's payment in updating. XXXX 's payment has also been reflected as paid on the NationStar website.
Product: Credit card

On XX/XX/year> I got a credit report notice that Capital one had closed my 3 credit card accounts. I never got notified from capital one for any issue at all or that my account was even closed. All I saw was my cards were reported as restricted through the app. 

I have made consistent payments and I called and they told me there system closed my account due to a returned payment. My wifes bank account didn't allow the payment to go through so she transfered me the money and I made the payment. This was an extra payment onto of the monthly minimum. I was told there was nothing I could due to have them reopened even though the payment still went through.
Product: Mortgage

About 6 weeks ago my wife and I decided to get a home loan for {$120000.00} for the purpose of upgrading our home. I retired from XXXX  after 33 years ( XXXX XXXX  ) and went to work for a XXXX XXXX XXXX XXXX ( my wife did as well ). We own our house outright, have no credit card debt ( we pay the balance of every month ) but we do have two auto loans with a balance of about {$30000.00}. I choose not to start collecting my pension because my wife and I are both working as XXXX XXXXXXXX XXXX XXXX and we're feel outrageously fortunate because during this terrible pandemic our income has actually risen. Last year ( XXXX ) our XXXX 's combined we're about {$140000.00} ( haven't filed taxes yet ). Our taxable income was around {$88000.00} for XXXX, XXXX and XXXX. 

We were denied this loan request by Better Mortgage and the reason they stated was " income fluctuations ''. They also alluded to our credit report. They wrote that our credit rating ranged from " XXXX '', which is completely false. Our credit rating is impressive and always above XXXX. 

So, our total monthly bills XXXX everything : food, electricity, water, insurance etc ... ) Is about {$3000.00}. We make over {$10000.00} per month and have about {>= $1,000,000} in retirement money-and they denied us! 

I tried ( and tried ) to talk to them. I have them everything they asked for ( tax returns, pay stubs, bank statements, investment records XXXX and in the phone I was told that our income wasn't verified. When asked for a written explanation here 's what I was sent : " As noted, we would in fact need the XXXX XXXX tax returns filed to validate that XXXX full year profit and loss statement as it is substantially higher than XXXX and XXXX XXXX income. We use the XXXX XXXX XXXX to see the income trending and wouldn't be able to use it to qualify as it is not verified and in line with XXXX tax returns as they haven't been filed yet. '' If I don't qualify for a loan, then who can? 

ThIs just doesn't seem right! 

Thank you,
Product: Credit card or prepaid card

I have a complaint aga inst Weltman, Weinberg & Reis , Co, LPA a  debt collection firm. My husband had a judgement entered against him for a credit card debt owed to  XXXX  cards. On  XXXX / XXXX /   2017  a execution for attachment was ordered to collect on the debt. On  XXXX / XXXX / 17  a attachment/interrogatories was served to  XXXX   XXXX   XXXX   XXXX , where my husband an I own a joint account .At this time  XXXX   XXXX   XXXX   XXXX  froze our joint bank account ( at this time the law firm was contacted and offered to settle the debt but was denied ) On  XXXX / XXXX / 17  the Interrogatories was answered and returned with a Certificate  of Service and  is on file at the  XXXX   XXXX   Prothonotary 's  office. My complaint is this judgement is solely in my husbands name, and from my understanding under Pennsylvania law a joint bank account falls under the " tenancy by the entireties '' and because the judgement is not in both our names the account can not be frozen. I have contacted both  Weltman,   an d Weinberg & Reis , Co, LPA an d  XXXX   XXXX   XXXX   XXXX  on this matter. I waited to contact  Weltman and Weinberg & Reis , Co, LPA to gi ve them time to resolve the issue, however the account remains frozen. I contacted the law firm on  XXXX / XXXX / 17  and was told they were in contact with  XXXX  and the issue was being resolved, however, this was not the case, as I spoke with bank manage the same day. The law firm had also issued a attachment/interrogatories to  XXXX  other banks,  XXXX   XXXX  and  XXXX  bank, which neither of us have accounts with. On the same day  XXXX / XXXX / 17  the law firm did contact the  XXXX   XXXX  prohonotary 's office and had the attachment discontinued on the  XXXX   XXXX  account only. I have tried to make contact wi th Weltman and Weinberg & Reis but they will not return my call. Any help in this matter is appreciate d.
Product: Mortgage

When my loan was sold to my current mortgage company they did not transfer over the Hazard/Fire/Real Property insurance policy document which I supplied when the loan was originated. When my current mortgage company sent me a letter asking for the insurance evidence on XX/XX/XXXX I asked my HOA 's insurance representative to FAX them the information and send me an email copy at the same time on XX/XX/XXXX. The HOA insurance representative promptly faxed the evidence to my mortgage company as requested on XX/XX/XXXX. I have the emails to prove it. In XX/XX/XXXX I received a call from my mortgage company asking for the same evidence of insurance again. At this point I gave the mortgage company the HOA 's insurance representative 's contact information and I was told that it would be taken care of or else I would receive another phone call. Instead of a phone call I received a bill in XXXX for lender force placed insurance policy of over {$2000.00} dollars. I called back right away trying to clarify but was told that they are still talking to the HOA representative about the paper work. At the same time I found out that I could email them a copy of the insurance document myself so I sent my mortgage company an email with the insurance evidence attached right away. On XX/XX/XXXX I received another letter from my mortgage company saying that they are about to renew the lender force placed insurance on my property. I called right away on XX/XX/XXXX and was told by the representative that they are now seeking the XXXX term insurance evidence instead. I asked about the previous insurance evidence and was told by the representative that she was able to find the document in their system but it was n't attached to my loan. Because of the mortgage company 's incompetence I have been forced to pay for a redundant insurance policy of over {$2000.00} dollars for no reason. I believe my mortgage company ( Roundpoint Mortgage Servicing Corporation ) should be held responsible for their incompetence and the additional financial burden they have forcefully placed on me.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I got an email from XXXX XXXX XXXX XXXX who mentioned I owe " debt '' with PayPal. The XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I sold points/miles to the agent XXXX and I would like to get dollar from him. However, XXXX didn't have enough dollar. Therefore he found XXXX XXXX ( PayPal user : XXXX XXXX and XXXX XXXX ) to exchange currency through PayPal. In other words, the triangle transaction was that I gave XXXX points and XXXX gave XXXX XXXX, and XXXX gave my USD. On XX/XX/2022, a review occurred to my PayPal account, I made an inquiry of XXXX and found XXXX used credit card to make purchase through PayPal. I felt of concern because I was aware that this is a high risk transactoon and might trigger alerm of PayPal. Later on the same day, the review was lifted and I felt everything might be okay. On XX/XX/XXXX, two transactions on XX/XX/XXXX ( $ XXXX {$15.00} ) and XX/XX/XXXX ( $ XXXX {$15.00} ) were disputed by the PayPal account " XXXX XXXX XXXX and on XX/XX/XXXX another two transactions on XX/XX/XXXX ( $ XXXX {$15.00} ) and XX/XX/XXXX ( $ XXXX {$15.00} ) were disputed by " XXXX XXXX ''. At beginning, it seemed that XXXX tried to help while all the emails I drafted for him and asked his help to send to PayPal, and he always found find excuse to delay. I felt he maliciously eacaped from his liability and at the same time, it was very difficult to reach PayPal when my PayPal account was banned. I firmly believe I don't owe any single penny from PayPal. Thank you. 

Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern : I am filing a formal complaint against Rubin & Rothman , LLC, regarding their alleged unfair and unlawful collection practices, as well as potential violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This complaint specifically addresses Rubin & Rothman, LLCs ( the collector ) attempts to collect on a debt purportedly owed to XXXX XXXX, and XXXX alleged issuance of a 1099-C form to the IRS without notifying me. 

1. Failure to Provide 1099-C Notification : XXXX XXXX . appears to have filed a 1099-C form with the IRS in relation to this debt. Under IRS rules, creditors who issue a 1099-C form must provide the debtor with a copy. However, I never received such notice, leaving me unaware of any potential cancellation of debt income reported to the IRS. This oversight may affect the legal status of the alleged debt and my credit report, which under the FCRA must accurately reflect all pertinent information related to a debt. 
2. Violation of Fair Credit Reporting Act ( FCRA ) : Rubin & Rothman, LLCs actions may be in violation of the FCRA, specifically : Inaccurate Reporting of Debt : The FCRA mandates that credit information must be accurate and complete ( 15 U.S.C. 1681e ( b ) ). Due to XXXX apparent filing of a 1099-C, Rubin & Rothman , LLC may be reporting a debt that has been discharged or forgiven, leading to a potentially inaccurate credit report entry. 
Failure to Provide Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to a validation of the debt. However, despite my request, Rubin & Rothman , LLC has failed to provide me with a debt validation letter, creating further uncertainty about the legitimacy of this debt. 
3. Improper Venue and Lack of Jurisdiction to Sue in New York : Rubin & Rothman , LLC has filed a lawsuit against me in the state of New York, despite the fact that I am a resident of Ohio. This filing is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692i, which requires debt collectors to bring legal action either in the district where the consumer resides or where the contract was signed. Since I do not reside in New York and did not sign the contract in New York, this lawsuit constitutes an improper venue and is thus unlawful. 
4. Lack of Authorization to Collect in New York : Rubin & Rothman , LLC has yet to provide evidence of their authorization to collect this debt in New York, where they have initiated litigation. Under the FDCPA, debt collectors are required to prove their authority to collect, especially when jurisdiction is in question. I request that they produce documentation establishing their right to pursue this debt collection in New York, in compliance with applicable state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on LENDING CLUB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Original Creditor, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

From the Federal Student Loan Website at XXXX : XXXX " On XXXX XXXX, XXXX, the U.S. Department of Education ( ED ) extended the student loan payment pause through XX/XX/XXXX. 

The pause includes the following relief measures for eligible loans : - a suspension of loan payments - a 0 % interest rate - stopped collections on defaulted loans '' Today, XX/XX/XXXX, I received an electronic communication from Aidvantage - my federal student loan servicer. This letter is dated XX/XX/XXXX, and states as follows : " Beginning on XX/XX/XXXX, a new Auto Pay amount of {$350.00} will be debited from your designated bank account for the student loans listed below. '' A copy ( PDF ) of this letter is attached to this complaint. 

I would like to understand why Aidvantage appears unaware of the CARES Act extension directed by the US Department of Education on XX/XX/XXXX. The letter from Aidvantage appears to be in direct contradiction to the directive issued by the US Department of Education on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that appears on my credit report that I did not authorize. I have notified both XXXX XXXX XXXX XXXX and Equifax and neither have resolved the issue.
Product: Mortgage

The loan is transferring from XXXX XXXX XXXX XXXX to XXXX XXXX. Attempted to make payment XX/XX/2023. The website says that I am unable to pay until XXXX. Most everyone 's loan is due on the first. They say no late fees, but this is still costing interest daily. Multiplying the interest everyone is forced to pay while they transition including mine is not right. They should have been ready to receive payments-they are a servicing company. I should not incur extra interest due to them not being ready to accept payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX XXXX XXXXXXXX, as well as XXXX, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX  XXXX because of it. I have not given
Product: Debt collection

The creditor listed as Convergent Outsourcing , Inc. has listed an account as a new collections account, causing a derogatory  mark on my credit report. This debt has already reached the statute of limitations in NY and has been removed from my credit report previously. This is an old debt that is being reported as a new debt. 
This debt collection agency knew that this was on old debt and did not disclose to me any of the following information : Tell me, that the statute of limitations may have expired ; Tell me, that it is a violation of the federal FDCPA ( Fair Debt Collections Practices Act ) to sue to collect a debt for which the statute of limitations has expired Tell me, that you do not have to admit to owing the debt, promise to pay the debt, or give up your rights regarding the statute of limitations Tell me that, if you do admit to owing the debt or promise to pay the debt, then the statute of limitations my restart so that the debt collector can sue you on that debt. 

Also, it reported that this debt was opened on XX/XX/2019 ... I have not received any letters ( bills ) or contacted in regards to this account being opened. I also did not recived any past due letter for not paying for 60 days, 90 days or 120 days. it was just reported to my credit report on XX/XX/2019. 

I was contacted over year ago by the company. The representative was extremely rude and kept threatening to place this on my credit report, even though I told him it had already past the limitations and could not be reported. He was nasty and told me watch them report it and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWestlake Financial XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi there, I was at the XXXX XXXX XXXX and was stopped by someone claiming to be a psychic healer. She requested {$260.00} in exchange for a professional healing that she would do for me at a pre-determined date. I sent this woman {$260.00} via Cash App and never heard back from her. Her handle is : XXXX  XXXX I feel very emotionally and financially violated by this. Please help me.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA. XXXX D.O.B.- XX/XX/1986 S.S.N.- XXXX To whom it may concern : The following account : 1 ) XXXX XXXX XXXX ( Acc. # : XXXX ) is inaccurate and I ask that this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX ( Original Creditor : IXXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXXXXXX XXXXXXXX Date of inquiry XX/XX/XXXX SUB XXXX XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three letters on XX/XX/2022 to the following credit bureaus to remove inaccurate personal information from my credit report : XXXX, Equifax, and XXXX. Here are my tracking numbers for the letters dated on XX/XX/2022 : XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX  account number XXXX  - XXXX