23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

At the beginning of XXXX  I requested a loan modification from Mr. Cooper. Over the course of the year they have requested mutliple documents from me in addition to statement of explanations. I have provided the documents they requested as well as the statement of explanations but they continually requested updated documents. Finally when they accepted all my documentation on XX/XX/2023 I was advised by one of their representatives that it would be in underwriting for up to 30 days. On XX/XX/XXXX they denied my a modification after months of me submitting and resubmitting the documents they requested from me. It leads me to believe they have no interest in working with me trying to modify my loan and help me keep my home. 

I also notice on my XXXX mortgage statement and noticed there was a what they referred to as " Maintenance Fee '' in the amounts of {$200.00} and {$500.00} totally {$700.00}. I asked the representative what the charges were for and they did not have an answer. I subsequently spoke to another representative and she advised me it was for a utility ( water ) lien on my home. I could not understand why there would be a lien when my water bill is current. She sent me a screenshot of what was showing on her screen but it is illegible. I called my water company and they confirmed there was never a lien on my home. I call the City of XXXX XXXX and spoke with the tax department and they confirmed there hadn't been a lien on my home. I call the XXXX XXXX Municipal Authority and they said they don't put liens on homes. There was mention of my home being vacant which it has never been. I have confirmed multiple times with Mr. Cooper 's representatives that I occupied the residence. I also just received a letter dated XXXXXXXX  from Mr. Cooper stating that I requested an appraisal along with the appraisal. I did not request an appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 590. 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 XXXX i made this clear for 60 days straight with XXXX 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 4 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 60days 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 21 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

On XX/XX/year> {$1500.00} was taken out of my checking account. I filed a dispute they denied it..my other phone was stolen with all my information on it ..my email was logged in. That's how I think there getting into my banks. I really need help
Product: Vehicle loan or lease

We entered the deal In good faith turn out it was fraud. I XXXX XXXX XXXX and not legally bonded to any thing that is manipulated/ tricked /chorused to. The deal was establish on fraud and I am not legally bonded to. Because we are under the Uniformed commercial code All financial statements should be under the commercial code otherwise it is securities fraud. Section UCC1. On reviewing our original contract and the contract bill of sale we noticed forged signatures and that the contract was not duplicate from the original. This IS NOT JUST illegal but identity theft for a purchase of a sale. The original creditor violated the contract just this alone is a violation of my consumer rights. I RESERVE MY RIGHT TO AMEND THE CONTRACT. Auto dealer fraud/Securities fraud/Extortion/insurance fraud thru gap insurance/the interest was charged without my knowledge/forged signature/company does not have original contract/increased amount on sticker price/forgery/idenity theft/ power of attorney, notary, and finance manager were represented as the same person. According to UCC1, all securities should be filed under the UCC system. There is not Lawful securities interest against XXXX XXXX or the vehicle. Certified copy of an UCC11 that there are not liens present. Affidavit the debt has been paid in full. As the day of all sum of charges. XX/XX/year>. 

The following laws have been violated as per contract, XXXX XXXX. I am able to legally revise and or back out of contract when deal was based on fraud. I followed the truth of the affidavit that the following laws have been harmful and have affected my life, my credit, my livelihood and my financial reputation I would like to recede my contract based on the following laws. 
FDIC llaws and regulations 1026.23 used vehicles of sale right to recede 15 USD 1605 determination of finance charge 15 USC 1602 L defines and provides rules for construction of sale 15 USC 1662M regulation of down payments 15 USC 1681 FCRA REGULATION OF CONSUMER RIGHT REPORTING AGENCY AGAINST PRIVACY RIGHTS 15 USC 1605 A THE SUM OF ALL CHARGES, PAYABLE, DIRECTLY OR INDIRECTLY BY THE CREDITORS AS AN INCIDENT TO THE EXTENSION OF CREDIT 15 USC 1681 governance, how consumer credit report records are access to CRAs 15 USC 1635 is a section of the truth and lending act 1000 federal deposit insurance act 15 USC 6802B option to opt out 15 USC 1629F6 unfair practice 15 USC 1692 abusive misleading practice 15 USC 1692C delete the account 15 USC 1681S2B fair report act 15 USC 1692EB. FDCPA, which is law that prohibits debt collectors from using unfair, deceptive and abusive practices when collecting consumer debts. 
12 USC 412 draft of case bill of sale Auto dealer forged signatures from the bill of sale to the original contract.
Product: Credit reporting

I reported some information to Experian that I felt was misrepresented in my credit filing, specifically past liens for payroll and unemployment that were not for late payments, but rather failure to report, due to the State of MI not processing my address change. They wre immediately released when I supplied documentation and no payment was ever required. I also reported XXXX fraudulent billings on very small medical bills and a couple of errors. Experian made notations, but no corrections and arbitrarily and capriciously LOWERED by score with them from XXXX down to XXXX. My scores with XXXX and XXXX remain at XXXX. I found out only when I lowered XXXX visa card from XXXX to XXXX and put my twins starting college on it, and then attempted to raise my XXXX visa from XXXX to XXXX, as I have to carry that XXXX since I like XXXX. I found out it was Experian data that resulted in the denial and I find their lack of understanding of state liens and their general vindictiveness very troubling.
Product: Debt collection

This complaint is about BOTH communication tactics and attempting to collect a debt that I do not owe. 

XXXX XXXX - " In order to resolve your complaint, we will need additional information to locate and investigate the issue. Specifically, we need to know the account number or telephone number at which you received our calls. " Case number : XXXX RESPONSE : My name is XXXX XXXX XXXX and that is all the information I 'm willing to give to a company that I have never heard of and that is reporting on my credit report. The phone numbers in the attached letters have been used to protect my actual phone number since I do not know who you are and why you have my information in the first place. 

If you do not have my name in your system then I would strong urge you to consider making a request to have this trade line from your company deleted. If you do have my name in your system you should not have any problem providing a complete package of validation for me including documents with my signature on them for the alleged debt. 

I have attached a screenshot from my credit file. If you do not comply I will file a lawsuit in California for violations of the FCRA and FDCPA and you will be responsible for attorney fees, statutory damages, and my recent actual damages that have been incurred when I tried to apply for a mortgage. My banker has prepared a letter that will be used in court if needed to show that XXXX XXXX is the sole cause of why I have been denied for a {$780000.00} mortgage. 

Delete the trade line immediately and stop calling my boss and stop calling me on my cellular phone.
Product: Checking or savings account

Went into XXXX XXXX  in XXXX XXXX on XX/XX/2019, and closed out my safe deposit box. It was the last day before they would be charging me for another years fees. Emptied the box, signed a surrender form and returned the key. After all this, the teller ( XXXX ) refused to give me a copy of the surrender form that I signed. I was surprised to find out that the teller was also the bank manager! She was rude and insulting. Atrocious customer service. 
The form I signed was a legal, financial document - and she just refused to furnish me a copy of it. I should get a copy of any document that I sign my signature to. I left the bank with no proof that I surrendered the box, of the date I surrendered the box or of the fact that I returned the key to the box. If any of these things become an issue, I have no proof of anything. Furthermore, anything on that document can end up changed and I would have no proof of what I actually signed for. This is totally unacceptable. Especially for a financial institution. Everything should be well documented with copies of the signed forms going to everyone. Makes me question their credibility. 
If I hadn't already closed my checking and savings accounts I would certainly do so now.
Product: Vehicle loan or lease

Carvant financial have repo a car from me 7 years ago and there still report on my credit report I ask them for several documents a 1099a to clear the debt I have not gotten any response
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that is reporting on my credit in error. This account is negatively affecting my credit and I can not get it removed from my credit reports due to the credit bureaus not conducting a thorough investigation. On XX/XX/19 I mailed a dispute letter for this account that is reporting as a chargeoff/collection and in the comments it states it was sold to a third party collector. I do not know who this third party collector is they are stating now owns the account nor is it even reporting on my credit. In the first dispute letter I asked all three of the credit bureaus to investigate this account and verify it. They keep coming back saying it is verified and updated. I did not ask them to update anything. I asked them to verify it and if they can not properly verify it then to delete from my report. Then I sent another letter on XX/XX/19 on to ask them to re-investigate and send me the information they used to verify the account from the creditor which I received the same result. They did not tell me how they were able to verify the account when the creditor no longer owns the account and they clearly did not conduct a through investigation. I sent a third letter to them on XX/XX/19 telling them they are violating the law by falsely validating this account and not removing it from my credit report. They sent a response back saying they updated more information on this account which is completely inaccurate. I never opened this account and they were not able to send me an original contract with my signature. This one account is causing me to be denied for my business funding and I am beside myself that they can even do this to me and ruin my credit this way. XXXX, XXXX and TransUnion are not doing their job and this is very upsetting as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX car loan already paid XX/XX/2022. Repossion not taken off from all three credit reports. I have sent paperwork in the mail twice. They claim that they don't have information but I have gone to bank and they do have it. I am requesting it be deleted. 
XXXX XXXX There are two accounts which I have been told no paperwork on file. 
XXXX has no longer any paperwork on this account. The only account mortage is XXXX XXXX. XXXX XXXX  XXXX XXXX has no paperwork in the computer, XXXX no account in the system.XXXX XXXX XXXXXXXX is seven years old. It has been paid. I want it deleted off reports.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX My NAME : XXXX XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) 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 : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
5. 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.
Product: Credit card or prepaid card

My credit cards were wrongfully terminated around XX/XX/11 without any prior notice of improper behavior. All 7 cards were closed, even though some weren't even being used. All rewards were not paid out, and no information regarding the reason was given. Instead, I was told to write a letter to a XXXX XXXX in the middle of nowhere, to which they would respond with a form letter in a month. All reps refused to help, reading a standard text of platitudes. Letters that were vaguely worded arrived a week or so later saying that accounts were closed.
Product: Debt collection

Theyve called me numerous times after Ive told them not to. Theyve also re aged my debt account by {$1.00}.
Product: Checking or savings account

Wells Fargo charged me excessive Overdraft Fees totaling {$170.00} within 24 hours. I need these fees refunded. This is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has been reported as late payment, the alleged debt is in dispute and was discharge by IRS XX/XX/2022. 
15 U.S. Code 1681a ( 2 ) ( 1 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX XXXX XXXX XXXX XXXX is the person making the report. My transaction is my payment history for an alleged debt. 
The term consumer means any natural person obligated or allegedly obligated to pay any debt. 
A person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity 15 U.S. Code 6802 ( a ) XXXX XXXX XXXX XXXX XXXX may not, directly or through any affiliate, disclose to a nonaffiliated third party, that is TransUnion any nonpublic personal information, unless XXXX XXXX XXXX XXXX XXXX provides or has provided me a notice that complies with section 6803 of this title. I did not receive a notice from XXXX, regarding disclosure of my information to TransUnion. 
15 U.S. Code 1681 ( a ), As determined by Congress, TransUnion is violating the accuracy and fairness of credit reporting of my information. TransUnion is not exercising their grave responsibilities with fairness, impartiality, and a respect to my privacy. 
Due to TransUnion negligence of the law, my rights as been violated under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting credit, this has done harm to me and my Family. XXXX XXXX XXXX XXXX XXXX as no standing to report a late payment to TransUnion, and they are now disclosing to other third parties. Which is in violation of my consumer protections given to me by Congress.
Product: Debt collection

My loans have been consolidated with a consolidation company and this company refuses to respond to the consolidation people. I tried to explain to them that I was struggling financially so i entrusted a company to pay my bills for me so that I can at least have money for the month, but they refuse to listen to me. They call my references daily, my job daily, my home daily and they have been putting letters in my mailbox on my property and on  XXXX   XXXX ,    2017 whic h is tonight, I heard someone at my door like they were trying to break in and it startled me because I live alone, and when I went to the door they were backing out of my driveway and they put a letter in my door after  XXXX . Ive asked them to stay off of my property but they refuse. They are scaring me coming to my house and I want this to stop. If they want their money they should work with my consolidation company and stop harassing me. This has gone too far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is incorrectly being reported to my credit report. There are several discrepancies that are being reported to each bureau : 1 ) Payment status : XXXX  and Transunion reporting 120 days past due and XXXX  showing Account transfered. 
2 ) Blance : XXXX  and Transunion shows {$0.00} and XXXX  is N/A 3 ) Last updated : XXXX  is XX/XX/XXXX and transunion and XXXX  shows XX/XX/XXXX. 

Account is also duplicate on my report where one is reporting the discrepancies mentioned above and the correct account is reporting on time and in good standing with all accurate information. 

Please delete inaccurate account as it is reporting my credit incorrectly and inaccurate.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of a fraudulent items origination and identity theft. This fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

The following addresses are not mine, and I have never lived at or received mail at these locations : XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX : I never worked on these companies XXXX XXXX XXXX AND XXXX XXXX XXXX belong to someone else or similar name XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} Inquiries i did not Authorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXU XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute off these inaccurate items on my credit report listed below. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX XXXXXXXX Account Number : XXXX {$640.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX  XXXX Account Number : XXXX {$640.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Collection agency placed a negative remark on my credit file that doesnt belong to me.