23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I reach out to our servicer when we received a notice of garnishment in the XX/XX/XXXX. We ask for a temporary forbearance and to pay interest only payments until the garnishment was completed. We were immediately denied a special forbearance, and was encourage to apply for a loan modification. Since XX/XX/XXXX we had apply & denied XXXX times and requested an appeal on the last then was denied on appeal. The reason for denied make no sense. The XXXX denial was because we did not make enough income then the XXXX time we made too much. The XXXX time we was told that our expenses were within program guideline and was restated in the appeal process. At every point of communication the representative or the negotiator would encourage us to perform short sale. We did our research and ask for a Harp option and was told we do n't quality for this program. We find out later that this servicer does not participate in the harp program. We believe that the servicer along with the investor have not intention on helping us reinstate our loan. Example at every point of contact, the servicer has stated that the order to dismiss the foreclosure was sent to the lender 's attorney on XX/XX/XXXX. The lender 's attorney has denied receiving a notice at the XXXX 's hearing to dismiss the foreclosure. When we asked the attorney if he contacted ASC or the contact the negotiator with the information we filed in court records ; he stated no. We believe that the servicer agreement with the investor entitle the servicer to retain all late fees and fee require to mitigate the investor 's loss. We believe part of the fees that the servicer retains is link to the XXXX failed loan modification. If the servicer receives any compensation from the government for processing the loan modifications then it may be a conflict of interest. Base on our failed attempts, we believe the servicer and investor had misrepresented their intents and have conspired to abuse the government home retention program as well as mortgage insurance program. We ask CFPB to step and investigate first if the servicer acted in good faith and to see if they have a similar pattern with other failed loans. Time is at an essence, we go back to court this month to determine if the lender with be granted a judgment. Do to the servicer willingness to help us before we defaulted, our credit is bad and we will be unable to get a new loan. Our goal is to keep our home. Please step in.
Product: Mortgage

Paid {$640.00} on for appraisal for PMI deletion. Appraisal done   XX/XX/XXXX .   Appraisal  XXXX   . A ppraisal completed by another institution value  XX/XX/XXXX = {$150000.00}. Many things ( like {$40000.00} garage added to the property ) and added another bedroom and bathroom.  Appealed appraisal. Appraiser reviewed and amended the appraisal but did n't change the value of the appraisal. Tried calling the customer service again ( so many times that I do n't even know how many ) L ast attempt today   XX/XX/XXXX   and with no luck - they did not handle my concern and would not allow for another appraisal company to come out to the  property. The customer service dept. tells you that they will call you back on numerous calls and they never do. I know that this appraisal is not accurate. I had another lending institution review it and they stated that the appraiser used comps that were not on the market and one that did not sell. There was a comp  XXXX  mil e from our house that sold   XX/XX/XXXX   for {$150000.00}. They refuse to do anything about the inaccuracy or unfairness of the appraisal completed on their behalf. Also,  the appraiser asked how much we owed on the property ( and I do n't think this is standard ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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. 

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: Mortgage

Greetings, My Loan was transferred to Mr. Cooper in XXXX. I have been with Mr. Cooper for approximately 15 years. I have been trying to deal with and communicate equitably with Mr. Cooper and expecting to be treated as a valued customer ; however not. 

I've had two modifications due to loss of employment each time. If it had not been for XXXX stepping in, Mr. Copper advised me in XXXX that I was not eligible for the second Modification. 

I was able to find employment again after the XXXX XXXX XXXX XXXX. My employer XXXX XXXX XXXX XXXX XXXX  XXXX who built XXXX XXXX in XXXX XXXX had to leave the area due to the XXXX Financial Crash. XXXX XXXX lost our next project... re-developing XXXX acres at the XXXX XXXX XXXX XXXX due to the Real Estate Market Crash. 

Since the second Modification, Mr. Copper has repeatedly reported my payments late. Nationstar dba Mr. Cooper violates the law that clearly states that payments have to be 30 days late before reporting this to the credit bureaus. I have not had any late payments since the XXXX Modification. 

I have repeatedly attempted to obtain documents from Mr. Cooper ; i.e., 1 ) a Promissory Note, Mortgage Document, and Processed Modification Documents that were signed with no legal representation ; only a notary to tell me where to sign. The settlement Papers state that I received a check/money to cover the loan ; which I did not. 

I asked Mr. Cooper to prove that they own both the Promissory Note and the Mortgage which their CRS advised that they did ; the documents can not be separated. I still have not received the documents I asked for. 

I have asked Mr. Cooper NUMEROUS TIMES Verbally and in Writing to Stop Sending messages to me via their secured mailbox. They have been advised that I am unable to open the messages because my username is NOT my email address. The user name can not be changed or manipulated in the message. 

Mr. Cooper has done nothing but try to Sabotage me and my Credit. Having a poor credit score causes one to pay more for insurance, goods, and services. I have finally gotten my credit score out of being poor to good. No thanks to Mr. Cooper. 

I am a XXXX XXXX ; I have been in my home for 31 years. I can not continue to deal with the nonsense from Mr. Cooper any longer. 

Thank you in advance for assisting me. 

Most appreciatively, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is not my account. I was a victim of XXXX XXXX and during that time we were in a hurricane that destroyed everything we had.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00}
Product: Money transfer, virtual currency, or money service

I tried to open a personal checking account online and they took my money ... BBT said the transfer didnt go thru ... but i check my debit card transfers and it show that it was deducted from my balance..
Product: Debt collection

Have received a notification from credit report that the collection entry has been entered. I have contacted the collection company in question several times both in writing and by phone within the past 3 months, however had not received a valid response of verification of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Transunion for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report there are 7 accounts with XXXX XXXX that should be only have reported status of closed paid in consolidation and any other remarks removed. I have a positive consolidated account from XXXX that is not reporting wrong please do n't dispute. Also there are 8 accounts from the XXXX XXXX XXXX reporting as included in bankruptcy which should only be reported as closed and paid with no negative reporting. Student loans are not included in Bankruptcy I have contacted XXXX & the XXXX XXXX XXXX and they have continued to state they have n't been contacted by Transunion to verify the information.
Product: Credit reporting

Bank loan ( personal ) was transferred/bought out from a credit union, which we still pay monthly and it is showing up on my credit report as a charge off from XXXX XXXX.
Product: Debt collection

I have sent this company certified letters time after time about validating this debt. I never receive nothing in return back which I ask for a result within 30 days. Once I kept trying to contact them I then went to there office since it was located in my city and state. When I got there they wouldnt even let me in the office they kept stepping out to talk to me. I informed them that I want to speak to the manager or corporate but was told neither one of them were there and I had to call. After that day I still repeatedly call to not get in touch with them still. So I then sent out a hippa violation letter to them about this debt and they're still not communicating.
Product: Prepaid card

" Ive used Cash App multiple times, and I currently use it for my XXXX account as a XXXX XXXX. However, my experience has been far from smooth. My first account was riddled with problemsfrom missing funds from my paychecks to unauthorized charges that I never incurred. To add insult to injury, Im still waiting for refunds, totaling around {$300.00}. With no proper customer support, the situation became frustrating. Even the XXXX XXXX XXXX ( XXXX  ) couldnt help, and hiring a lawyer would cost me more than the money Im trying to recover. Its a tough situation, and I wanted to share it, even though I cant give every detail. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX 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

Yes I'm including All credit bureaus to in this complaint. They continue to report this false company from a ( 3rd party debt collector. Fair collections ) saying Verified. After numerous attempts of resolvement after dispute a few times that I dont owe this company or original creditor any amount and to show proof, they finally sent me and I assume credit bureaus fake ledgers that has info inconsistent! First thing was the address in question very noticeable don't know how credit bureaus missed that! 
Is not the address they referring to thats a address in New Jersey and the address in the matter is Pennsylvania address. ( Big red flag ) If these documents came from their records of the Original Creditor how a different address on there as their property?

Then the amount is all over the place, FaKE ledger. I never wrote checks to have them returned then it shows before the move it date of this. Who will allow someone to move in a rental with return checks shows bad character. Thats a computer made signature and the balance don't make sense
and No security deposit info posted. Its a unlawful crime and im suing them after seeing what documents they trying to produce and the credit bureaus allowing it. I WANT A Through look into this with this deleted from my account that's harm to my credit and name. These are Criminal Activity of deceiving to gain money. This been 6 years almost of this and I want to face a judge with this.
Product: Debt collection

I have been receiving calls and emails from COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I spoke to a representative who told me that I had a move out fee from an apartment complex called, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ). I assured them that I never lived at XXXXXXXX XXXX XXXXXXXX XXXX, I lived at XXXX XXXX XXXX. While they had the same address this is not who I rented from. They stated that XXXX ( current company ) is a sister company of XXXX XXXX. XXXX XXXX purchased XXXX XXXX and they are not affiliated. I also shared that I met the obligations of my lease. They told me that I was to give a 60 day notice of move out and I didn't so they charged me 2 months rent which was what was being collected. I asked for a copy of the lease, they didn't send it instead they sent a receipt with XXXX that had the same information they provided in their correspondence. I asked multiple times where they got their information from and they yelled they worked for XXXX XXXX and I owe them and hung up. This is my credit that is reporting this debt. It is invalid and WRONG.
Product: Debt collection

The original creditor sold the debt to more than one collection agency. I was making payment but I stopped making the payment as soon as these agencies started to contacting me about the same account. One of the collection agency took me to court and I showed the judge all the document to prove my statement. The judge grand me the case and dismissed without prejudice. Therefore, another collection agency has been calling me on my job harassing me and threatening to collect the money from my employment. I tried to explained them that they ca n't do that without a court notice since I was already in court on XXXX 2012 and won the case. But the man was very rude and refused to listen to what I had to say. Please assist me with this matter as soon as possible.
Product: Credit reporting

Someone in California stole my identity and opened a account with XXXX, leaving XXXX with a balance of {$1900.00}. I have spoken with XXXX rep 's and explained that I have never had an account with XXXX and that I have never lived in California at any point in my life and this account is fraudulent. After trying to resolve this issue with XXXX, I decided to dispute the charge after finding it appeared on my credit report recently. The determination from the credit reporting agencies after there investigation is as stated " Inquiries are a factual record of file access, '' with no explanation of the evidence provided to determine the facts. I know this is not my account or debt. Also the address used for this account the credit reporting agencies have found to be fraudulent in my name, so it seems to me if you proved that the address used for the XXXX account was fraudulently in my name, how come it is not determined that dish network is also not fraud. I can not fight a fraudulent claim on the credit report if I do n't no on what facts the dispute is found factual, so that I might dispute the fraudulent evidence.
Product: Credit reporting or other personal consumer reports

I was notified via a credit monitoring service on Tuesday XX/XX/year> that I had a credit inquiry today that I did not authorize nor did I apply for credit XX/XX/year> - XXXX XXXX I would like this fraudulent inquiry removed from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank incorrectly opened a credit card and bank checking account on my behalf. The bank had my information as part of its acquisition of XXXX 's retail bank, however, I had closed and paid off all accounts with XXXX prior to the acquisition. 

XXXX  claims that I owe them XXXX dollars in credit card fees. They never contacted me about this, and I only learned of the opened accounts when I applied for a mortgage at XXXX. XXXX informed me that there was a charge off from XXXX for XXXX dollars. 

Even if XXXX incorrectly closed my accounts, there is no way that I could have know that I owed XXXX dollars to XXXX.
Product: Checking or savings account

I filed a claim against XXXX for recurring charges dating back to 2021. I submitted a complaint to XXXX, which refunded my account, but Capital One canceled my accounts when XXXX acknowledged the mistake. I received an email to add a linked account, but when I called, I was told that I could not add a link to an external checking account and was told at the time of the call that there is no specific timeframe for when I will receive my funds left over in my checking account. I received an inaccurate email from this bank, and the accounts were closed for no reason.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of inaccurate information by American Express to the credit reporting agencies and to notify you of violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
These inaccuracies are a serious concern to me, as they negatively affect my credit score and may impact my ability to obtain credit. Under the FCRA, I have the right to have accurate and verified information reported to the credit bureaus.

In accordance with the FCRA, specifically : Section 611 ( 15 U.S.C. 1681i ), I am requesting that American Express conduct a thorough investigation of these discrepancies.
Section 623 ( a ) ( 1 ) ( A ), which mandates that furnishers of information, such as American Express, provide accurate and complete information to the credit bureaus.

I respectfully request that American Express provide me with documentation that verifies my responsibility for the debt in question, such as the original account agreement and a detailed statement showing the calculation of the amount claimed to be owed. 

If American Express can not provide this verification, the law requires that these disputed items be removed from my credit report.
Product: Credit card

Barclay Bank Barclaycard, I went online to review my account and discovered my credit limit was reduced from {$2000.00} to {$1200.00} without any notification from Barclay Bank! I called them and they said because of credit usage on other cards NOT Barclaycard that they reduced my credit line because of that. I spoke to one of their credit representatives at Barclay Bank and did not get any positive response from her ( XXXX ). My account with Barclay Bank has always been paid on time and more than the minimum payment due! All my other credit accounts are always paid on time and with NO derogatory information on my credit reports! This practice of reducing ones credit limit for NO reason should be illegal and furthermore the bank NOT notifying the person of the reduction is WRONG! With Barclay Banks action this now may effect my credit score because with the reduction my balance is now 75 % of my credit usage on this credit card! I am XXXX and have NEVER had a credit limit reduced from any credit card company!
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/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 XX/XX/XXXX
Product: Debt collection

HAYT HAYT & LANDAU FILED FOR WAGES GARNISHMENT THROUGH MY EMPLOYER onXXXX. DID NOT MAIL ME ANY NOTIFICATION. NOT RESPONDING TO MY CALLS. I had an agreement to make 4 payments to settle debt, last year paid 3 times online, last payment I wasnt able to make online as they blocked my account so last check was mailed. They using unethical methods to target customers..
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a request to correct the following inaccurate information on my credit report provided by Experian. On XX/XX/XXXX, I contacted Experian to dispute the following accounts. However, to this date, I have not received a response from Experian regarding my dispute. 


XXXX XXXXXXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$420.00} ) XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$230.00} ) XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$28000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00}, Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$240.00}, Original Creditor : XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Inaccurate Reporting by Experian Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding inaccurate reporting by Experian. The account in question is with XXXX XXXX XXXX, which continues to be reported on my credit report despite having been removed.

I have obtained my credit report from Experian 's official website, which I will be uploading alongside my report from XXXX for your review. The discrepancies between these reports is that XXXX XXXX XXXX is still present on Annual credit report.com 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers.

I respectfully request that you investigate this matter to ensure compliance with federal regulations and to protect consumers like myself from erroneous credit reporting.

Thank you for your attention to this important issue. I look forward to your prompt response.

Sincerely,