23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This information is to further my complaint against mr Cooper who claims to have my mortgage that they bought from XXXX XXXX on XX/XX/2019. As we paid this mortgage loan off on XX/XX/2019 to XXXX XXXX ( XXXX ) and received payoff figures, all proper documents, liens and title, XXXX XXXX is still sending invoices that are due and very inconsistent with letters from mr Cooper saying XXXX paid them for our loan. Don't know how each handled but we just handled as told per letter from XXXX dated XX/XX/2019. I am forwarding a copy from XXXX stating our loan did not begin until XX/XX/2019 ( by separate fax to XXXX ). Therefore, I did not have a mortgage loan with mr Cooper and they had no right to send anything to credit bureaus and we were never late with any such payments to them per information received from XXXX. I wish to get all this confusion done with since it is causing much stress in our lives. Therefore, we were not late paying this mortgage at all and should have not been put through any of this upset and intolerable confusion. I would also ask that when takeovers happen, the consumer have a right to decide who they want their mortgage company to be with instead of takeovers such as this. Also, since we received all proper documents from XXXX that this loan is closed, escrow money and release of liens, how is mr Cooper going to correct and send same documents?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX on XX/XX/2021 that XXXX XXXX XXXX pulled my credit report. I have not applied for any credit or have any dealings with this company and did not authorize this inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper investigation according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this Also they have violated my rights even more In accordance with the Fair Credit Reporting Act everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal. 
They also violated the law because according to 15 U.S.code 1681 1.section 602A State : I have the right to privacy 15 U.S. code 1681 section 604A States : it also states a consumer reporting agency connot furnish a account without my written instructions I did not give anybody written instructions Delete all inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AidVantage is my loan servicer and I have 3 active accounts and multiple closed and tranferred accounts with XXXX balances on my credit reports. I requested to have them removed and AidVantage and the credit bureaus will not removed they are considered verified. I requested the closed and transferred account be removed only not the 3 current accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with Equifax and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.
Product: Credit reporting or other personal consumer reports

XXXX refuse to remove account off my credit report that is do from Id theft they also still reporting inaccurate accounts with out my written consent I contact XXXX 5 to 10 times a day and yet they has did anything dishonoring my police report and ftc reports on the account and questions I ask for the account to be removed and block transition refused to do any thing but causing financial harm and stressed and my living saturation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX DID NOT NOTIFY ME OF THE DEBT IN MY NAME ALSO REFUSED MY FTC REPORTS STATING THAT I DID NOT LIST THE ACCOUNT ON MY FTC REPORT THEY RECIVE MANY REPORTS BUT FAIL TO ACCEPT THAT I WAS A VICTIM OF ID THEFT. VOILATING MY RIGHT I ASK THEM REINVESTAGATED THE DEBT CODES BEEN VIOLATED AND RULES WAS IGNORE WAS NOT PROPERLY NOTIFY OF THE DATE BEFORE ADDING ON MY CREDIT REPORT. WHEN ASK FOR VAILDATION THEY SENT ME A STATEMENT OF PURCHASES I DID NOT MAKE not accurate DOCUMENTS SHOW ME WHERE I SIGN OR THEY GAVE ME XXXX THEY HAVE YET TO SHOW ME I TOOK OR THEY GAVE ME ANYTHING. THIS COMPANY IS NOT APPLYING THE FRCA RULES FAILING TO REMOVE THE ACCOUNT FROM ALL REPORTING AGENCY .XXXX  AS WELL SATING AS XXXX XXXX XXXX XXXX  REFUSED ME OF MY RIGHTS UNDER THE FCRA SHE SAID HER BACK OFFICE XXXX DID NOT ACCPECT MY FTC OR POLICE REPORT CAUSING FINANCIAL HARM AND DEFORMATION OF CHARACTER CAUSING ME BE DENIAL FROM XXXX XXXX THE ACCOUNTS THEY REPORTED HAS BEEN REMOVE FROM THE ACUTAL CREDITOR BUT XXXX STILL COMING SAYING THEY VERIFY PROOF. when it. from id theft,
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I obtained a TD Cash card. After XXXX ( XXXX ) years having this card and dealing with a lot of problems with it. On XX/XX/XXXX, I paid off the card in full and closed it. 

I kept wondering why my credit score dropped from a XXXX to in the XXXX 's. I didn't think of it much just told myself I need to bring up my score ...! 
Finally, after getting it back up to a XXXX, but it kept dropping XXXX points. I looked on my banks credit journey site and noticed that TD Bank stated that I had been delinquent in my payments of their TD Cash card since XXXX to present. 
I tried calling them every time they would hang-up on me. Then I was able to get in contact with the " Admin XXXX XXXX XXXX '' department ; They informed me I paid this card off in full, on XX/XX/XXXX. I should contact the bank to inform them of their mistake, and they would email and send out a hard copy of the " paid in full payment ''. 

Pleas note this has caused my credit to drop and I've lost many opportunities for my family and I owning our own home ; plus purchasing a truck, etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : -DRS XXXX XXXX, XXXX XXXX XXXX # XXXX was REMOVED from my credit report and has been illegally reinserted back onto my credit report and this is a violation. I have a legal right to dispute the following account on my credit report : -DRS # XXXX XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

After attempting several times to transfer my funds ( {$400.00} ) stored in Venmo to my bank account, they suspended my account on XX/XX/XXXX. I had it reinstated by sending them my valid photo ID. After trying again to transfer my funds, they suspended the account again on XX/XX/XXXX. Rather than requesting to have my account reinstated, I filed a complaint to the company asking for them to allow me to receive my funds, as I no longer want to use their services. They responded to my request with a generic email on XX/XX/XXXX that didn't address any of my requests. As instructed, I responded to the email saying I needed further assistance. I also called their help phone number on the XXXX in an attempt to contact a real person rather than an automated, generic response. I was unsuccessful. On XX/XX/XXXX, a so-called " account XXXX '' emailed me informing me that my account had been permanently deactivated because it was not eligible for reactivation, even though I had specifically stated that I was not requesting reactivation, rather, was only requesting my money to be returned. They also stated that no future inquiries would be addressed. In this email they said " The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. '' I can not wait 180 days for my funds to be potentially delivered. Any help would be greatly appreciated. I feel exploited and frankly disgusted by Venmo 's actions and lack of customer service.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit.

Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. 
XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00}.
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 XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to enforce proper security to ensure that my personal and financial information are protected from theft, and thereby divulged my information without my consent. This was reported to me on XXXX/XXXX/XXXX by local news media. I have not taken any action against Equifax. 

In addition, I would report that I completed a credit dispute on XXXX/XXXX/XXXX. Equifax failed to properly follow up on the dispute, and the erroneous claim on my credit has not been investigated or removed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

I don't comprehend why I have to repeatedly file complaints regarding an issue that the creditors assured me they would resolve over the phone. During our conversation about this problem, they assured me it would be addressed within 10 days. However, it has now been 65 days, and the issue still adversely affects my credit and hinders my progress in securing a loan. The emotional and physical toll I am experiencing due to this matter is overwhelming. I kindly request that you rectify this situation immediately. I have never been delinquent on this account. If this problem persists, I will have no choice but to consult with a legal representative and pursue compensation for the emotional distress caused by the extreme negligence in handling this matter. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In late XXXX, I was contacted by KLS Financial claiming I owe them {$660.00}. At first, I thought it was a scam and hung up the phone. After thinking and looking up the company on XXXX I saw they were a real company so I called back. They informed me they were trying to collect a debt. The address they gave me was not my address. I told them to send me validation of the debt to my address not just verification of my mailing address. On XX/XX/2020 after seeing they put the account on my credit reports and them verifying my disputes with the credit bureaus as valid, I sent them the attached debt validation letter asking for a contract with my signature and proof from the original creditor they are allowed to collect on the said debt. They sent me a contract with a signature that is not mine. On XX/XX/2020 I sent them a notarized letter with my signature. I signed the letter in front of the notary public as legal proof that is my signature. They reply was they are not signature people. Then, they tried to tell me the signatures look the same. On XX/XX/2020 I once again asked them for the contract with my signature and the name of the person who at XXXX XXXX  who verified that I owed the debt because I have not been able to get anyone at Howren music. Kls Financial has yet to send me a valid contract with my signature agreeing to this said debt. KLS Financial hasnt sent me any paperwork from the original creditor which says they can collect on this said debt.
Product: Credit reporting or other personal consumer reports

Hello! 

I tried calling Equifax earlier today but was unable to get reporting issue resolved I think I was misunderstood. 

My Equifax score 3 days ago was XXXX and as of XXXX it changed to XXXX it decreased over XXXX points and I couldnt figure out why, until I reviewed it via XXXX ( 3 ) reports and its pulling information from Equifax stating that theres a collection from XXXX XXXX however, no collections is being reported. Please, review as my score prior to this data error was XXXX and now has dramatically impacted me. Please review my Equifax report from XX/XX/year> and XXXX and update my scores as they were prior to the data error as this is a misrepresentation of me. Please update immediately as this is an error and go back to my report prior to XXXX to update as it was. 

Thank you ind advance for your help in this matter!
Product: Money transfer, virtual currency, or money service

When this money order was purchased on XX/XX/XXXX for the XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX, I was not informed that there was a fee associated with not cashing the money order. 

I requested a replacement money order on XX/XX/XXXX and was informed on XX/XX/XXXX that my money order has no value since there was a monthly fee. 

It is deceptive to have to pay for a money order first before evening knowing there's a penalty associated with not cashing it. What is even worst is that the penalty is in fine print so if you are legally XXXX or have bad eyesight it is even more difficult to explore and read the fine print. Thirdly, there was never no communication that there's a purchaser agreement listed on the back of the money order. 

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

In accordance with the Fair Credit Reporting act XXXX  also known as XXXX  XXXX- Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

The total is {$220.00} a call them a few months back to pay it off, but they had me registered to a credit repair instead of paying the balance
Product: Mortgage

I started to refinance in XXXX from Mr Cooper former Nationstar and I singed disclosure on XX/XX/XXXX. Loan officer XXXX XXXX said I was approved on XX/XX/XXXX. Then processor XXXX XXXX took over and started to request the bank statements, mortgage statements and insurance declaration and HOA statements all over again and I provided them again. Then she requested many other items one by one without end. I sent numerous emails and made phone calls and she never responded. 

So I complained to XXXX her supervisor and requested to provide list of items she needs all at once. She still did not do that. I continued to provide what she requested for 2 months and she often required what I provided again. XXXX XXXX said if I pay off my credit debt, XXXX will set up closing on XX/XX/XXXX. I did and sent receipt. Then XXXX came up with another issue of XXXX Interpretation business which I never did. I explained. Then she said my XXXX XXXX XXXX is delinquent and I renewed. After all I provided everything they requested and it was Mr Cooper which took time, they said they can not close the loan. 

Then I told them I would report to CFPB and FTC if they do not close the loan. Then XXXX XXXX sent email and said they would reinstate if I provide XXXX statements for my two properties. XXXX XXXX XXXX XXXX XXXX WA and XXXX XXXX XXXX XXXX WA properties. I still do not know why they requested XXXX statements again although I already provided XXXX and XXXX statements. I provided XXXX statement as soon as I started the loan. I provided XXXX statements on XXXX. 

But they sent online decline on XXXX after I did everything they requested for 4 months. They checked the reason the company declined was due to my credit. The credit was checked on XX/XX/XXXX and my mid credit score was XXXX. XXXX XXXX knew my credit from the beginning and started to do the loan and more than once he said my loan was approved. I also refinanced 3 other properties recently. So this can not be the reason. If it had, he should have declined on XX/XX/XXXX and he should have not wasted my time and employees of the company time. This is truly unacceptable business practice. For 4 months I worked so hard to provided items over and over again. There are all email trails that show how poor, inefficient and careless their services were and how they neglect and ignore their customers. 

As a realtor and an investor, I did many loans and helped my numerous clients in getting loans and I also refinanced 3 other loans recently but have never experienced such poor business practice as Mr Cooper does. It feels like they are playing with customers. I googled and found complaints from many other customers and some said Mr Cooper was the worst company they had. I feel and think something must be done to stop such unfair and bad and poor business practice so that other people do not go through what I and other clients did.

Some companies are too big and they don't care and I think Mr Cooper is one of them.
Product: Debt or credit management

I am writing to express my grave concern and to seek immediate resolution regarding my claim ( Ticket # XXXX ), which is a direct result of the significant impact I have suffered from the Equifax data breach. To encapsulate the situation, my personal information was severely compromised in the breach, leading to identity theft and the unauthorized opening of accounts in my name across various financial institutions. This has been a distressing experience, with profound implications for my financial stability and peace of mind. On XX/XX/XXXX, I received an update on my claim, indicating that a deficiency notice had been sent to me on XX/XX/XXXX. I want to clarify that I have been diligent in my efforts to address any deficiencies as per the instructions provided. If there has been any oversight or misunderstanding in this process, it was not for lack of action on my part. Furthermore, on XX/XX/XXXX, I received another email suggesting that I did not respond to the Incomplete Claim Notice by the deadline. This is perplexing and disconcerting as I have conscientiously provided all the necessary documentation and information required to prove my class membership and to rectify any deficiencies in my claim. I am deeply troubled by the implication that I have not complied with the process when, in fact, I have adhered to every step as instructed. It seems as though there is a disconnect that is preventing the proper processing of my claim, and it is critically important that this matter is rectified promptly. I am reaching out to you in good faith with the expectation that Equifax will honor its commitment to assist those affected by the breach. As such, I am requesting a thorough review of my case and a clear explanation of any discrepancies that may have arisen during the processing of my claim. Additionally, if there is any further information or additional steps required from my side, please communicate this with detailed instructions so that I can comply without delay. Given the seriousness of this issue and its impact on my life, I would appreciate a prompt and direct response to this email. I am eager to resolve this matter and move forward with the necessary support from Equifax. Thank you for your immediate attention to this urgent matter. I look forward to your swift response. Warm regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive called the last month after I paid this account on a settlement offer. This account was paid XXXX on an agreement through a 3rd party. XXXX has not remove this account but steady reporting on a closed settlement agreement. This is effecting my score negatively and needs removed. Spoke with XXXX and they state they have to report even though the account is closed and resolved on a settlement balance.