23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have spent a frustrating portion of this summer attempting to obtain a full accounting of the servicing of our loan and a payout figure effective XX/XX/XXXX. Over the past 3 months, we have spoken to multiple representatives at Mr. Cooper and have sent numerous inquiries through the Mr. Cooper website in an effort to obtain accurate Information. Each time, we request to speak with a supervisor and they have yet to be available or return out calls. Twice we were disconnected after waiting for more than 45 minutes to speak with a supervisor. 
On XX/XX/XXXX, we received an email from the Subordination Department attaching a schedule showing a {$160000.00} balance and a XX/XX/XXXX maturation date. On XX/XX/XXXX we received a second email from the Subordination Department showing a {$44000.00} payout balance and a XX/XX/XXXX maturation date. The following week we received yet another document, dated XX/XX/XXXX reflecting a payoff balance of {$160000.00}. Not only are these values egregiously inaccurate and embarrassingly incongruous, we still havent received the full accounting for the loan that weve been requesting since XXXX. 
Since this loan was originated, we have made an additional monthly payment of principal only in the amount of {$250.00} each month. These extra principal payments should have significantly accelerated the payoff of this loan, but Mr. Cooper shows no evidence that these payments were properly applied and accounted for. Clearly, we have lost all confidence as Mr. Cooper has demonstrated that this loan is being mismanaged and improperly accounted. 
As we continue to be ignored by upper management and receive conflicting information, this correspondence constitutes our final effort to obtain a full and proper accounting of this loan.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently reviewed my credit report and want you to verify certain information. 
XXXX Verify and insure all data yr account is accurate. Inves provide documentation an information. I expect this are reporting from this XXXX with the data furnisher & na vou have up to date a reasonable time frame per the FCRA. 
Thank you for lookin XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent unauthorized inquiry. 

This inquiry should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized inquiry listed IMMEDIATELY!

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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 1681c. ( a ) ( 5 ) Section which states no consumer reporting agencymay make any consumer report containing any of the following items ofinformation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for remodeling work at my building which located in XXXXXXXX XXXX. I live in XXXX and the job was supposed to be done in XXXXXXXX XXXX The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. Payment was made to XXXX XXXX. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$4000.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Credit card or prepaid card

I was invited to open an account by HSBC. The credit card was opened in XX/XX/2018. At the time of activation I requested that the bank place me on auto bill pay so the minimum amount due each month would be deducted from my bank account. However, despite multiple attempts, they never assisted me in setting it up. After manually making these payments for a few months, I again tried and was told that it had been setup. However, the auto payment for XX/XX/2018 did not go through and without any further notification or attempt to contact me, late payment fees were issued and my account closed. Very unprofessional behavior from a bank that was begging me to open an account with them.
Product: Mortgage

The US Bank had handled my refinance in error, it made me mentally upset, especially when i saw the loan term 30 years ( my final signing documents was 20 years ), i went to see the mortgage officer of US Bank and asked them to correct it for me but they didn't do it, they had checked with the escore too. 
The bank kept going to sent me the 30 years loan terms to ask me to pay for it. i had to borrow the money from my relative to pay for it until i get the new job. The 20 years and 30 years term, there is a big different, i have to pay over 150k for the whole loan. i can not sleep well ( upset ) every night after covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

While deployed with the United States XXXX I received late charges to my Macy 's credit card account. Prior to deployment I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the Macy 's collection department and reported negatively on my credit report with all three bureaus. Once off deployment, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the company through credit bureaus to have the account removed under the SCRA with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Student loan

I messaged fed loan about the waiver XX/XX/XXXX. Got a message back XXXX asking if still an issue. I replied yes, XX/XX/XXXX they asked for more info to check the account. 
I have not heard back. 
I was given bad info while finishing bachelor and masters about my repay options with PLsF. Guided to the wrong payment plan and never informed I could not defer in school and make a lower payment than the full payment and it would count. 

To make matters worse I never was notified I could consolidate my XXXX and XXXX loans into my direct ( these payment counts would have been higher and I would have been forgiven ). Instead I paid XXXX $ or more in the last year paying it off because navient kept losing my payments until I was paying more than the minimal payment. I have worked in public service my entire career. First as a XXXX  at XXXX XXXX  since XXXX. Then as an XXXX at XXXX XXXX  until a year ago when I switched to XXXX  as it was closer to home. 

Had the waiver information been well disseminated I would have XXXX $ in my retirement fund and have started my kids 501 accounts. It is my sincere hope there is something that can be done to either count the payments paid towards my total and my more than 10 years of public service and at least forgive the remaining XXXX. Would have been XXXX had I choose not to pay extra in hopes of freedom at some point that is now to My own determinet. The hold time to talk to someone at Fedloan is not realistic with small kids and a career in the hospital during Covid abs no one responds via messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by XXXX EXPERIAN and XXXX. I have reached out to customer service at XXXX EXPERIAN and XXXX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX EXPERIAN - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

I was originally denied this claim by Bank of America, I have reopened it and I have also filed a police report regarding these charges Claim id XXXX Police case report number : XXXX I originally filed my claim on XX/XX/XXXX and was denied I have now reopened it. This ( as a client for 15 years ) and aside from the past few months no claims at all is unacceptable
Product: Credit reporting or other personal consumer reports

These companies pulled my inquiries without my permission and it has negatively affected my credit scores and my chances of getting approved for loans.
Product: Debt collection

I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine. 

I do not recall this account. Please provide documentation with my signature and services rendered validating that this account is mine. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( f ) and XXXX XXXX ( g ) in this alleged matter. XXXX ) What is your authorization of law for your collection of information? XXXX ) What is your authorization of law for your collection of this alleged debt? XXXX ) Please evidence your authorization to do business or operate in the state. XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

Company has information on my credit report that is not mine vitamin ID theft in! XXXXI never applied for a loan with them and they sent me a statement that is XXXX yrs old. STATUE OF LIMITION HAS RAN OUT. I WANT TO SEE ORINGAL LOAN DOCUMENTS WITH MY SIGNATURE ETC THEY NEVER SENT TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring with Experian set on XXXX XXXX. I have been billed twice for the same service for several months. I noticed this when I checked my account and saw one transaction processed on XX/XX/XXXX for XXXX and another transaction for the same amount processed on XX/XX/XXXX. I have had this monitoring since XXXX. They started billing me twice on fluctuating days starting in XX/XX/XXXX. My calculations is over {$450.00} in unauthorized payments. I am going to check with my bank to see if I can get a more thorough accounting. However, I have statements to back up the duplicate billing since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a breach from XXXX ( see attached judgment and FTC fraud complaint ) in 2017, the consumer 's credit report has been compromised. This account is a fraud account reported to Maryland DMV, the three credit report bureaus, the Office of Comptroller Of The Currency, and the Federal Trade Commission. The Department of Justice is also aware of the compromising breach and the stealing and usage of the consumer 's private information
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my qu
estion comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX the company credence resource management called me saying I owed money from an account from XXXX that was turned off in XX/XX/year>. When I called XXXX they said I have XXXX lines open but when I tried to explain that I had left XXXX with the conformation I did not owe anything the supervisor XXXX said you do and have to pay it when I told him exactly that and said it might have been fraudulent since I have had my information stolen in the past he said you know what Im done with this Im going to send you a debt validation and when you get it you call me back I never received said debt validation in the mail it has been well past the 30 days
Product: Debt collection

Back in XXXX I had identity theft and accounts were open with my information. It got to the point where my social has issues now with the IRS due to the theft. This company I have no knowledge of, when I looked at the last case I created the address and other information doesnt even match any past addresses or information of mine. This needs to be removed immediately and when I let Personify know it was identity theft they told me to fill out a form and send it in. When I sent that information a hour later they told me to pretty much kick rocks.
Product: Debt collection

Since last year I have had problems at work and with my wife who got sick and I had to face the expenses of everything in my house alone and I can't afford to continue paying the cards. I have tried but it is impossible.
Product: Mortgage

Wells Fargo 's online mortgage payment system would not accept my payment for several weeks. Since there are no physical locations in my state I was forced to make my payment using their automated phone system, which conveniently for them assesses a {$6.00} processing fee. 

In essence I was forced to pay a fee for the convenience of making my mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX XXXXXXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXXXXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX XXXXXXXX U S DEPT OF ED/XXXX/XXXX XXXX XXXX   XXXX XXXX U S DEPT OF ED/XXXX/XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX  XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX XXXX U S DEPT OF ED/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 DEPT OF ED/XXXX   XXXX XXXX DEPT OF ED/XXXX XXXX XXXX  DPT ED/XXXX XXXX XXXX DPT ED/XXXX  XXXX DPT ED/XXXX XXXX XXXX  DPT ED/XXXX  XXXXXXXX XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I Have reached out to all 3 Credit Bureaus and they have given me the run around I have sent in my FTC report in months ago here are the inquires and accounts that need to be removed Immediately. 

Account Name and Account number XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX