23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was sold/transferred to Mr. Cooper in XXXX of 2021. We recently tried to refinance our mortgage to take advantage of the lower rates and it has come to our attention and surprise that Mr. Cooper has reported my husbands credit as ( 3 ) 60 day lates.

# 1, We have never been late on our mortgage payment and never have missed a payment.

# 2, I have contacted Mr. Cooper on XX/XX/2021, spoke with XXXX XXXX who is part of the Executive Resolutions Team who said that he will place a investigation in with the prior lender and that his Account Servicing Dept. will be working on this. XXXX did mentioned that Mr. Cooper does not show any payments being missed or any lates. I asked him " why is Mr. Cooper reporting this then? '' He did not have an answer and mentioned that he would look into it. Emails have been going back and forth between XXXX and us, number of voicemails we have left with him and still no answer on what the status is.

# 3, This has impacted my husbands credit tremendously and now holding us back on being able to refinance our mortgage. In the meantime, I am spending countless hours on trying to get this issue fixed and still waiting to hear from Mr. Cooper. 

We are asking for your help on getting this resolved. I can provide whatever you need to show proof of payments for our mortgage. 

Our Mr. Cooper loan No. is XXXX Case No, XXXX Please help us with getting this fixed. 

Sincerely, XXXX and XXXX XXXX XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Bank account or service

I checked my on-line account with Bank of America today and found a XXXX maintenance fee assessed.  This fee is part of BofA "updating" their checking products.  The Change in Terms (CIT) notice dated XX/XX/XXXX for that update indicated that I could avoid the fee if I met XXXX of XXXX requirements as of my XX/XX/XXXX statement cycle. I met XXXX of those requirements as of that date, a CD with a balance of at least $10,000 and a line of credit (HELOC) with a balance of $15,000 or more, so I did not think that the fee would be imposed.  I called BofA today and explained my position.  She stated that the cause was that my accounts were not linked. I stated that as far as I was concerned they all are linked as I can see them all in my on-line profile and can transfer funds among them as needed.    She indicated that this was an internal linking process and she took steps to do that with all of my accounts.  She also processed a reversal to the maintenance fee.  I am writing to make others aware that the same maintenance fee may have been imposed on their accounts despite them having met one of the qualifying requirements .
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by Amer Fst CU ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by Amer Fst CU. The details of the account in question are as follows : - Original Creditor : Amer Fst CU - Account Number : XXXX - Account Type : Credit Line - Balance : {$500.00} - Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Date of Last Payment : XX/XX/XXXX ( XXXX & XXXX ) - Comments : Charged off as bad debt, Canceled by credit grantor, Account has been closed due to inactivity, Unpaid balance reported as a loss by the credit grantor.

The issues with this account are as follows : 1. **No Contract with Collections Company : ** I have no contractual relationship with the collections company reporting this debt. According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with the collections company invalidates the reporting of this debt on my credit report.

2. **Continuous Reporting of Charge-off : ** The Amer Fst CU account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading.

3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active.

I have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I have had a student loan with XXXX for about eight years. The loan was recently transferred to Firstmark Services ( servicer ). Within two months of servicing this loan, this company is already playing games. It has changed the original amortization schedule of the payment and pushed it out several years without any authorization ( or any request ) from me. There is no change whatsoever in any underlying fundamentals ( interest rate, or any other even ) of the loan. 

They are elusive in explaining me and I can not get a straight answer from them for how they could do this or how do I change it back to original schedule / payment terms.
Product: Mortgage

I applied for a refinance mortgage loan with XXXX  XXXX on or about XX/XX/2021, and I was pre-qualified for a refinance with a XXXX interest rate. After XXXX weeks into the process and providing all information to them, XXXX  was suddenly bought out by Guaranteed Rate, Inc. on or about XX/XX/2021. A representative from Guaranteed Rate told me they would honor the application and interest rate. They also told me that since the process was close to the end with XXXX, they would only need to verify some information and would close within weeks. They made excuses for XXXX months, telling me the loan would close shortly. However, it has not closed still. On XX/XX/2021, for the first time ever, the loan representative told me my loan would not be approved because my debt-to-income ratio is 88 %. None of my financial information or situation changed and this is the first time this was raised. And, the debt-to-income calculation is wrong. I am only responsible for 50 % of the loans on the rental properties I have. Guaranteed Rate is not showing me their calculation and not explaining why they are assigning 100 % of the rental property mortgages only to me. Additionally, they are not explaining why it took them XXXX months t raise this NEW issue, which appears to be an excuse. 
I suspect the delay and excuses have been fabricated to avoid closing on a loan they took over from XXXX XXXX. I can imagine regulators required Guaranteed to honor the pending loan applications and not to delay and drop customers.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX and XXXX collection company posted a {$XXXX} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter. 

2. This account by XXXX is not mines and I have filed complaint with FTC and Attorney General of Texas..
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

My employer is incorrect on my XXXX, XXXX and equifax report. Please update to XXXX. XXXX has only ever been my employer.
Product: Student loan

My name is XXXX XXXX, and I am a student in school. I have submitted an in-school deferment form to Edfinancial via multiple avenues as they kept ignoring the deferment request, and they put my loan as past due. Here are what I have have done addressing the issue : I have uploaded the form at Edfinancial website on XXXX, and I called them on the XXXX to verify. They acknowledged they received it. Today XXXX, my loan is stated as PAST DUE. 

Just to make sure that the issue does not get ignored, I have faxed the in-school deferment form via XXXX ( I have a receipt ) on XXXX. I have sent it via USPS Priority with signature verification ( I have a receipt ). All these precautions and costs did not matter as EdFinancial did not put my loan into deferment.
Product: Debt collection

The Weinberg mediation company keeps calling after I told them to not call me anymore, they call all hours and sometimes 3 times a day, when I asked about the debt they say they can not discuss it so I said send me a letter, they said they don't do that but can email me. I refuse to give them an email address, now they call from several different numbers and as soon as I pick up the phone a person says hello, when I answer back they immediately put on the recording this has been going on for over a year.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I bought from XXXX some face masks. Paid thru Paypal amount of {$42.00}. 
The seller ( I'm assuming ) is from XXXX. They have long since went past the due date for shipment. I filed a complaint with XXXX and Paypal. XXXX started to act on the complaint but closed the case because they saw I made a claim against Paypal also. Don't know why that matters or who I should have filed with first. 
Pay pal has done nothing to help. The seller comes back with XXXX saying they are overloaded because of the flu.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not do a proper investigation and just updated the account information. 
The Last updated date for Experian after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with Experian XXXX I am still yet to hear back from the other two bureaus XXXX and XXXX about this particular account. To avoid more irregularities and improper investigation or lack of, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

Errors and my comments about my dispute are highlighted in yellow on the pdf file that will be attached to this complaint. The pdf file is a part of a recent credit report pulled directly from myfico.com Date closed XX/XX/2019. A closed account can not have activities after the date it was closed. The last activity dates are not the same. More inaccuracies. 

Experian did not do a proper investigation and just updated the account information. 
The Last updated date for Experian after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with Experian is:XXXX Updates are not considered proper investigation. Remove this account immediately per 15 U.S. Code 1681s2 prohibits ( A ) Reporting information with actual knowledge of errors.
Product: Credit card or prepaid card

Contacted Capital One and spoke to a supervisor, due to the continuous misinformation provided by reps of Capital One. I was told that there is no limit on the amount of credit cards that a Capital One consumer may have. I recently submitted and application for a 4th credit card and was told that I was declined for having too many Capital One credit cards. I have spoken to XXXX XXXX before with the executive office of Capital One, in which the customer service is still HORRIBLE. I have submitted recent complaints against Capital One to the CFPB and have not been given phone calls? Are they required to verbally contact a customer when a complaint is submitted to the CFPB? This is the WORST company to do business with, in which most are malady are.
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 1681.

Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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: Debt collection

I am sending this complaint on behalf of XXXX XXXX XXXX XXXX. 
I noticed a collection on said account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX According to the FCRA said collection should be removed from the above credit report immediately.
Product: Debt collection

Today at work, along with yesterday I received a phone call at XXXX XXXX  - forwarded it to a queue because I did not know the number and it is my work number, then again right away at XXXX XXXX  called right back, did the same thing as I was on the phone, this is NOT the first time they have done this, and it has been reported before, also I have before told them NOT to call me at work and they still do over and over. Also when pulling my call history up, I realized that they called me at XXXX XXXX this morning as well. Which they can not call your POE more than once per day. This is harassment as I myself am a collector and know that they can not hang up and call right back and that each call can be worth to up to {$1000.00} if I were to go legal against them.
Product: Debt collection

I am filing charges according to my rights disclosed in section 609.. about my credit report not showing anything owed to this account with Midland Credit Management . There have been repeated threatening calls and just today on XX/XX/2019 a letter threatening to forward an account listed in the letter, for a possible litigation through a in the state of Michigan. They are threatening me, if I don't respond with payment of {$3900.00}, for an account that has no credit report backing it and no proof of a written signature by me, that by XX/XX/2019 they will pursue litigation against me. 
I have requested them since receiving these letters to produce an original signature of my own hand-writing and the original contract for this account. I have in previous complaints submitted evidence of identity theft, which was also backed through local police reporting. 
The company responsible is Midland Credit Management with address : XXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX another address shown on letter is : Midland Credit Managment , Inc XXXX. XXXX  XXXX XXXX XXXX, CA XXXX XXXX There report is on some, XXXX XXXXXXXX XXXX Rewards with some listed Account Number : XXXX Reference MCM Account Number : XXXX with a proposed amount owed of : {$3900.00} I am requesting you to ask them to produce evidence to you and me that there is a written signature by me and that they can show an original contract that would show this as a valid debt. I fear this may an identity theft issue. 
I also do not see this debt reporting on any of my credit reports. 
Can these institutions still threaten with calls and these letters without the backing of the credit report. I have included an attachment of this letter as well. thank you.
Product: Credit card or prepaid card

I ordered a coat from a merchant by the name of XXXX. Returned it, using the label provided by the merchant. 2-3weeks went by and I did not receive my refund, so I contacted the merchant. The merchant contacted XXXX  in regards to this matter ; XXXX  stated that this parcel was misdelivered. XXXX  failed to retrieve the lost parcel, so they reimbursed the merchant/sender for the grand total. However the merchant never refunded me, even though they were refunded. I submitted a dispute with discover. I provided the label that was used, communication with merchant, and XXXX  statement saying they reimbursed the sender for the lost parcel. Discover isnt being helpful and is basically trying to put responsibility of a $ XXXX charge on me, when this merchant was already paid once by XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has not reported on my XXXX since XX/XX/18 as paid or current as by my report XXXX  File # XXXX XX/XX/2018 I have paid as agreed and have all of my money orders as proof as paid.
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 XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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: Debt collection

XXXX is incorrectly billing me for XXXX service it did not provide. I requested that XXXX terminate my FIOS service starting XX/XX/21, as I was moving out of my apartment. My request was made on XX/XX/21 and I have an email from XXXX confirming service would be disconnected XX/XX/21 and that it would send a final bill reflecting service through the disconnect date ( attached ). However, XXXX is continuing to bill me for service from XX/XX/21 to XX/XX/21 ( attached ). I have repeatedly requested that XXXX provide an updated bill for the time period service was in effect, XX/XX/21 to XX/XX/21, but it has refused. Instead, XXXX is seeking to collect monies for services it never provided from XX/XX/21 to XX/XX/21. When I initially cancelled the service on XX/XX/21, the XXXX XXXX said I would need to wait a billing cycle for an updated bill reflecting service through only the disconnect date, as XXXX bills a month in advance, but I never received one. 

XXXX has now referred this matter to collection agencies and has reported the collections matter to the credit bureaus.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Jefferson Capital System Address : Dept # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Ga XXXX Dear Jefferson Capital I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.