23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My sub-servicer is SPS servicing I was approved for Keep Your Home California SPS did not send any information as to why KYHC was denied I spoke with KYHC whom stated and sent a letter your servicer declined the assistance because the rears would exceed XXXX by the time KYHC release the funds This was untrue in XXXX 2016 the approval date from KYHC I received reinstatement which was well under the XXXX and recently went over almost four months later SPS stated to me we will attempt to modify first and then work with KYHC At that time I did not need SPS help as KYHC was approved and ready to pay within 30-40 days the reinstatement was good for approximately 21 days and was under XXXX within the guidelines of KYHC SPS stated we can except help after we review for modification KYHC stated that is untrue SPS is not registered in that program which is updated on KYHC website in XXXX 2016 I have requested a letter with details as to exactly why KYHC was denied SPS representative stated to me we are also concerned as your payments will remain the same with KYHC program I stated leasing a room would be immediate if needed until dr releases me to work full time due to XXXX XXXX XXXX, 2016 SPS sent letter of denial for modification SPS continues to input the incorrect income for me which continues to disqualify me for assistance It appears SPS want to foreclose as SPS as denied several attempts to tender the rears due I have written letters to SPS if income I am willing to rent room, as well as my family is willing to assist until I complete medical and return to work full time KYHC - denied Modification - HAMP tier 1 and 2 denied - incorrect income I want to keep my home. 
disappointed with SPS and want my loan to be with another servicer - I DO NOT TRUST SPS Alleged NOTE HOLDER - stated Incorrect in letter to me Thank you for your recent correspondence. 

As per our database, you will need to contact the servicer for the address ( es ) listed in your email. The servicer info is as follows : Servicer : XXXX XXXX XXXX XXXX, Master Servicer Phone # : XXXX XXXX XXXX ( option XXXX ) / XXXX XXXX The servicer is the direct and only contact who would have the information you are seeking. XXXX XXXX is not an investor but a Trustee and therefore does not physically own the loan or the property. XXXX XXXX does not have any say in how the property is disposed, loan modifications, etc. This is the responsibility of the Servicer. 

If you were referred to XXXX XXXX by XXXX XXXX XXXX, please provide the name of XXXX XXXX XXXX representative for our records. 

Thank you for contacting XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage Backed Securities Fax XXXX
Product: Credit card or prepaid card

A credit card was taken out my name unlawfully through Genesis FS card service XXXX XXXX XXXX XXXX XXXX XXXX the account number is ending in XXXX XXXX XXXX XXXX and I believe the company 's name is XXXX I did not apply for this credit card, I only found out about it when I received a bill/letter for {$75.00} for the annual fee and {$1.00} for the credit protection fees totaling {$76.00} in totality. I believe the car was taken out on XX/XX/22 but I could be wrong.
Product: Mortgage

Cooper Mortgage confirmed in XXXXXXXX of XXXX that our forbearance COVID CARE grace period was extended until XXXX XXXX 
XX/XX/XXXX my husband and I were notified by our credit reports that we were delinquent and our credit scores went down over XXXX points. 
I called Cooper that day asked and they said we were no longer covered by the contract and if we wanted it changed to call our government. When I showed the images of our contract and dashboards and that his information was different than what Ive been sent he realized there was a problem and gave me their research team email. 
After further review, our accounts, our dashboards, our contract and updates through Cooper state we are protected, not delinquent, and our credit scores should not be affected. 
They sent an email that theyd look into the issuethen I was contacted by their debt collected in XXXX. I got on their chat service desk because their phone service doesnt work. She confirmed we were safe but didnt know why we are being negatively affected. She gave me a managers email which we emailed mid XXXX. We still havent heard from her. 
I got another delinquent notice XX/XX/XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$2400.00} XXXX XXXX XXXX - XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX - XXXX {$2200.00} XXXX XXXX XXXX - XXXX {$4700.00} XXXX - XXXX {$240.00} XXXX XXXX  - XXXX {$240.00} XXXX  - XXXX {$0.00} XXXX  XXXX XXXX XXXX {$3200.00} XXXX - XXXX {$2100.00} XXXX - XXXX {$2100.00} XXXX XXXX XXXX - XXXX {$250.00} XXXX XXXX XXXXXXXX - XXXX {$460.00} XXXX - XXXX {$8200.00} XXXX - XXXX {$3200.00} XXXX  - XXXX {$0.00} XXXX - XXXX {$1800.00} XXXX XXXX XXXX {$3100.00} XXXX - XXXX {$2800.00} XXXX - XXXX {$980.00} XXXX - XXXX {$1100.00} XXXX - XXXX {$1000.00} XXXX XXXX XXXX - XXXX {$0.00} XXXX XXXX XXXX - XXXX {$0.00} XXXX  - XXXX {$1500.00} XXXX  - XXXX {$2200.00} XXXX  - XXXX {$220.00} XXXX  XXXX - XXXX {$0.00} XXXX  XXXX - XXXX {$0.00} INQUIRIES : XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX MO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Reference number XXXX I applied for one of your credit cards and listen when its all said and done whether you approve me or not is really irrelevant at this point the issue that I have is the reasons youre giving me for denying my application the things you said just arent true I mean theres no other way of saying it theyre just not true and I sent a letter back to you after the first letter from you and I asked for someone not to send me a form letter into actually explain whats going on you didnt do anything all you did was print a new form letter and send it out the results of that is now because of the poor customer service and filing a complaint clearly youre unwilling to talk to me directly so you gave two reasons for my credit card being denied First reason your credit report reflects delinquent past present credit applications.. im here to tell you thats just not true Ive looked at my training and report every time Ive communicated with you Im looking at it right now on my computer as I type this there are absolutely no negative components to my credit report you just start telling the truth and if you really do have something showing up on your end I want to know what that is what specifically is delinquent because if XXXX XXXX is giving you something then they give me need to file a complaint with XXXX XXXX but with a credit score of XXXX thats pretty darn good I dont have any negative items on my credit report no past due bills no over the limits no nothing The second reason balance to high compared to credit limit again I dont know where youre getting your information yes I have a couple cards that I use and I use every month so it appears that theres always a balance but the vast majority of my credit cards have XXXX balance are you sure youre still looking at the same XXXX XXXX report that Im looking at I dont know how your information could be so much different In the white sweater you mentioned that I had a previous account with you credit obligations but that wasnt true either I have never had any accounts years ago there was a identity theft situation and I believe Chase may have been one of the banks in account was opened with but all of that had been resolved years ago you were supposed to remove any obligations from your records and mine so why are you still showing on your end that I had an account with you? 

There is just a lot of an accurate information from what I can tell and even though I have asked for an answer before explaining whats going on youve chosen not to give that to me so now Im messaging you on here I want answers to my questions its not unreasonable I have good credit Im a good customer I dont think any of my credit cards would have anything negative to say about me I have income I will have additional income separate from my salary from rental propertiesWhat are the real reason youre not approving my application?
Product: Credit reporting, credit repair services, or other personal consumer reports

im an id theft victim these accounts are not mine XXXX XXXX opened XX/XX/2015 {$51000.00}
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently legally settled my debt with One Main Financial and started making payments per our agreement- they sold this debt to XXXX XXXX XXXX of XXXX, Va. They immediately showed this as due in full without any mention of my settlement. My sister who is a co-applicant has been diagnosed with XXXX XXXX XXXX XXXX XXXX. This has ruined our credit and we cant pay for her treatments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX
Product: Debt collection

Collections company does not provide information of this account and put it on my credit i have never had a bad account and I dont know whats this about, collection company not provided anything to support the fraud they are making. They dont answer the letters send to the trabking num XXXX Company can not even provied a licence to collect in my state and refused to erased this from my credit report which they cant even prove it is mine.collection company has never contact me they went direct to a credit beauro to damage my perfect file of many years. 
How can XXXX  continue to say this is mine if they dont have proof to support this.
Product: Debt collection

On XX/XX/XXXX I received a notification from my credit monitoring company that Southwest Credit Systems had reported a collection account on my three credit reports for an internet company ( XXXX ). This collection company or XXXX has never contacted my in any form to make me aware of this alleged debt. The last time I spoke with a representitive at XXXX on XX/XX/XXXX and spoke to XXXX he told me that I had a XXXX balance and gave me a confirmation # XXXX. This is was the last time have have spoken to or heard from anyone. I have contacted both Southwest Credit and XXXX to provide my confirmation number but they are refusing to remove this from my three credit reports. I am in the process of buying a home but have now been denied the loan due to false collection on my credit report.
Product: Student loan

I reached out to EdFinancial.com on XX/XX/XXXX to request a refund for student loan payments made during the Covid 19 payment pause and was told the refund could take up to 180 days to process. They would not provide me with a total amount of the refund they submitted the request for and would only quickly rattle off some payments made both before the pause began and after.

I asked for a confirmation the refund was submitted and is currently being processed and was told they can not provide an email, tracking number, or any type of confirmation to me. This makes me wonder if the request was even submitted, as I've seen others post comments that they've had to call 2 or 3 times for the request to go through.

I explained the 180-day delay in receiving the refund was okay. Still, with the new forgiveness program beginning before the end of the XXXX calendar year, I wanted to apply for forgiveness on the total amount after the refund. They stated they do not know and can not guarantee my refund will be added to my account before the end of the year to submit a forgiveness application before the payment pause ends.
Product: Debt collection

There is a debt on my XXXX and XXXX credit report for a National Credit Management company that represents XXXX XXXX XXXX This has already been removed from my XXXX credit report, but XXXX refused to remove it and are siding with the company. It is currently under investigation at XXXX. 

This debt is not mine, as has already been proven by XXXX taking it off of my credit report. I have no idea who this company is and they need to take this false information off of my credit report.
Product: Credit card or prepaid card

Capital One XXXX Neiman Marcus  XXXX closed my account. They said my account was overdue. The bill was sent to my previous address, I informed them of my move a year prior. The company never notified me of my delinquent account. I tried to make a purchase on-line and it would not go through. I called and they claimed their system wasn't working. I called several times and no one seems to know why my on-line purchase wouldn't process. I then ask to speak to a supervisor and she found out the account was delinquent. The process took several weeks. After I paid the bill in full Capital canceled my charge card and marked my credit report with delinquency and would not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

The company will not delete the old XXXX off of my credit report. Under the Fair Credit Reporting Act, I have the right to have negative information removed from my credit reports after seven years.
Product: Credit reporting or other personal consumer reports

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.
Product: Debt collection

I am writing to dispute a charge-off appearing on my credit report. Pursuant to the Fair Credit Billing Act, specifically 15 USC 1666, I am exercising my right to challenge this item.
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. 

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 has violated my rights. Or a 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: Mortgage

Last week I called Selene Finance to order documents. One requesting an application for assuming the loan, and the second, an updated payoff quote. I understand that the payoff quote may take more time..., but the application for loan assumption should be readily available to email to me. I have someone waiting for the forms, to fill them out, along with his financials, which will qualify him to assume the note. Also, the rear amount owed will be paid. Since Selene Finance wasn't willing to help me bring the account current by approving a modification, despite the fact that I was approved for $ XXXX financial assistance from the XXXX XXXX XXXX XXXX  to help bring the account current, I had to find another option as soon as possible. 

I've had problems previously when requesting documents, due to my loan " status '', which seems unfair and discriminating. I'm trying to resolve this situation as soon as possible, to bring the account current. Time delayed receiving the documents causes more cost incurred on the loan, which appears to be their intent. Please have Selene Finance send the requested documents so I can resolve this issue and bring the account current quickly.
Product: Credit card

I believe the account is invalid. XXXX ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their recordsXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report in XXXX I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular Achieve personal loans, in the amount of XXXX XXXX XXXX XXXX XXXX XXXXThe thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed 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 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX