23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am the successor in interest to a family home in XXXX XXXX XXXX. It took numerous attempts over the course of a year to get Mr. Cooper the mortgage servicer to recognize this. Since then I have requested a validation of the debt and the payoff amount. I requested any and all available loss mitigation options to be presented. None of these have been done or provided. They have on multiple occasions tried to assert the property is vacant and send people to " maintenance the property '' to which I have responded on each occasion that the property is not vacant. I believe this was done to ultimately cause more fees to be assessed making it more difficult to keep the property. I have not been properly noticed of the immanent foreclosure. No proof that Mr . Cooped has the legal right, standing, authority to foreclose and sell the property. Upon my own investigation I have discovered Mr. Cooper is demanding the remaining principle of {$35000.00}, plus {$14000.00} in missed payments, and {$7000.00} in " lender paid expenses ''. There is no details as to what these charges are for. The {$14000.00} includes principle amounts that the are adding to the states remaining principle balance in an effort to get more money in profits that could possibly be owed. I believe this to be a unconscionable and deceptive practice that was done intentionally by the mortgage servicer. I called the servicer and the services attorney-in-fact to try and have the sales set aside because of failure to provide required documentation as prayer console state law As well as failure to have properly appraised prior to Initiating foreclosure proceedings. The company has a history Of predatory and wrongful acts towards customers. The company also informed me on a phone call that they were not going to follow state law even though they've been put on notice that they're in violation.
Product: Debt collection

They are calling my parents, my mother who is ill and telling them that they have court orders and papers that need to be served and they want to speak with me. My mother told them that they are not the contact for me or responsible for me and to stop calling. She said this has been going on for over a year. They wo n't stop harassing her even though she asked them to stop calling.
Product: Debt collection

SEEING THESE HARD INQUIRIES ARE GIVING HARD STRESS, PLEASE HELP.
Product: Debt collection

Capio Partners LLC violated numerous Fedral & State regulations including 15USC1692g. Per my consumer reports, this debt collector opened an account marked collection account and started reporting on different months with separate credit reporting companies which in of istelf is erroneous reporting which violates reporting regulations. I DID NOT receive a Validation Notice pursuant to 15 U.S.C. 1962g. As a result, I was not afforded my right to dispute this alleged debt within XXXX  days pursuant to 15 U.S.C. 1692g ( a ) ( 3 ). CAPIO also FAILED TO VALIDATE ALLEGED DEBT AND HAS NOT PROVIDED HIPAA AUTHORIZATION FOR THE DATE OF SERVICE FOR ANY ACCOUNT NUMBER THE ARE REPORTING. I pay any and all medical bills at the time of service ( in full, with a credit card ) by requesting a " Self Pay Itemized Statement '' before leaving any type of medical treatment. The medical provider is required by Federal law to provide a complete itemized bill when requested at the time of treatment. I am attaching XXXX  of the documents showing correspondence between myself and the hospital on a previously erroneous reporting that has the exact same XXXX amount marked as a collection with the hospital confirming I have no outstanding balance or bill. I have a file of XXXX XXXX  of documents with all my medical receipts and can verify everything is paid by credit card at the time of service. My attorney said I have to file this with your system as a last attempt prior to court filing. This company will not respond properly to my certified mail request and this is the last attempt by me for removal before my attorney will file to have this removed from my credit report by form of court motion. I have all the supporting documentation.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Debt or credit management

I had a balance with XXXX XXXX  and it went to a collection with assignee of XXXXXXXX XXXX XXXX and velocity investments took over and I paid the balance to velocity investments back on XX/XX/year> for {$1600.00} its still reflecting on my credit report. They told me it would be removed and its still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX**** US DEPT ED XXXX
Product: Debt collection

XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Wells Fargo Dealer XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Subject : Opt-Out Request under 15 U.S.C. 6802 Dear WELLS FARGO DEALER SVCS, I am writing to formally request that WELLS FARGO DEALER SVCS cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802.

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties.

Upon review of my records, I have become aware that WELLS FARGO DEALER SVCS has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable.

I hereby demand that WELLS FARGO DEALER SVCS immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 

Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within XXXX  days of the receipt of this letter. 

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

I have unknown and unauthorized inquiries. I called the creditor and they informed me that they have no record of me on file. I have also written each company a letter and have received no response. These are all unknown and unauthorized inquiries on my credit report that I do not recognize and I have contacted all companies listed. I also want them deleted IMMEDIATELY. This is defamation of my character and livelihood. 

XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Fraudulent accounts on my credit report that I have disputed several times and I have provided a police report. Issue has been going on for months.
Product: Credit card or prepaid card

I recently discovered that there were multiple cards opened in my name via Comenity bank. All of these cards were opened as a result of a data breach. I contacted Comenity bank and they refused to investigate. I then filled out the identity theft affidavit as per federal guidelines. I also filled out a police report. I have submitted this information to the credit bureau and to Comenity. Comenity sends back form letters stating they have found nothing and they find my statement to be invalid.None of these accounts are open by me. All of this was done fraudulently via the Internet. My rights are being violated. I want these accounts removed from my credit report as they should be because they are fraud and identity theft
Product: Debt collection

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading misrepresentation and deceptive means.

Collection agency has not authority to furnish any accounts to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is victim of identity theft. His information was used without his consent to apply for several credit related accounts. While clearing his issues his Equifax credit report listed the addresses related to the fraud. The addresses found are ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX A formal dispute of this information was provided to Equifax. Equifax confirmed the data removal in a letter however the credit report they provided still listed the fraudulent addresses after they confirmed the removal. This continued reported address is a violation of the FCRA and my clients federal rights.
Product: Credit card or prepaid card

I have had a care credit, synchrony bank, account for over 10 years and never once was late on a payment. As I am changing banks, I called on XXXX XXXX to confirm that they had the correct information to process a payment. The customer service rep confirmed he had the correct routing number and account number. The payment was reversed because the information was incorrect. During that same call, we set up auto-pay for my mattress firm account, also with synchrony bank with the same routing number and bank account. 
Care Credit is part of synchrony bank. I also have a mattress firm account with them. I called today XX/XX/2023, and asked to confirm the routing and account number they have for autopay it was correct. I gave them the correct information on the phone. Otherwise, they would not have it for my autopay account. 
The issue now is that I had to make a payment on XX/XX/XXXX and it appears that I was late when I was not. 
They told me I was not allowed to file a complaint and attempted to say I gave the wrong information. How then do they have the correct information for the autopay on my mattress firm account? Their rep made an error and now my perfect payment history of ten years is ruined. These people are rude and abrupt every time I call.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to remove certain items from my credit report with XXXX Credit Bureaus. These items, which I believe are inaccurate and unjustly affecting my financial standing, have been the subject of repeated disputes over an extended period. 

I have attached a copy of my recent correspondence and documentation related to these disputes for your reference. 

Despite multiple attempts and providing the necessary supporting evidence, these items persist on my [ credit report, which has adversely impacted my credit score. 

I kindly request a thorough and immediate investigation into this matter to rectify the inaccuracies on my credit report. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the removal or correction of these items within the legally required timeframe. 

I believe in fair and accurate reporting, and I trust that Credit Bureaus shares this commitment to ethical and responsible credit reporting practices. 

I would appreciate a prompt response to this complaint. Please consider this letter as my official request for resolution. I am asking for your immedaite assistance to remove the following fraud items : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00} XX/XX/XXXXXX/XX/XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$44000.00} XXXX XXXX {$170.00}
Product: Credit reporting or other personal consumer reports

I asked for the date that the bill was due. This bill is too old to be on my credit report. They are going by the date Small claims filed, which is Long after the bill was due so they should not be on my credit report
Product: Money transfer, virtual currency, or money service

This is the third time my legitimate funds trasfer to my Company has been siezed by a XXXX XXXX claiming I am involved in Money Laundering. I am a small business and this is seriously affecting my ability to survive financially, The Remmiter of Funds is XXXX XXXX XXXX to my Company XXXX XXXX XXXX XXXX a Legitamite Registered XXXX Comany. My Company is retained as a Consultant to the XXXX Company. The Bank this time is Citibank New York Transaction Ref XXXX in the amount of US {$5000.00}. I believe I am being Harrased and victimised by the US Banking System. It is now 2 weeks and the funds are still not released.
Product: Credit card

I have been a customer of Chase Bank for over 20 years. I have a XXXX XXXX XXXX with Chase. I had a credit limit of XXXX XXXX dollars for many years. I have until recently paid my total balance due every month. I have never been late and have always been a faithful and good customer.

Recently I purchased a home in XXXX and have been using some of my available credit with other credit cards to purchase things for my new home.

Chase has punished me for this activity by reducing my credit limit on my chase XXXX XXXX XXXX to XXXX dollars. I am insulted since I have always paid my bills on time and my income is stable. I have good credit and do not understand this treatment of a good paying customer. I have talked to XXXX at the XXXX number and spoke to XXXX at the executive office only to be told there is nothing that can be done. I asked for the email to the CEO XXXX XXXX, and was told I can not contact them. I am so frustrated and need some kind of help... .Please help me!
Product: Debt collection

I have requested a validation of debt letter and almost a year ago and have yet to receive any documents, they continue to call and I explain that I an requesting a debt validation.
Product: Prepaid card

On XX/XX/year> XXXX refunded XXXX payments back to my utility spending account. 
The funds did not get returned to this account until XX/XX/year>. I request a written letter of responsibility in regards to thirty party vendor XXXX XXXX XXXX on exactly how and why this mistake happen also Senator XXXX XXXX 's office will be requesting this also. 
Please send this letter to me by XXXX so it can be tracked to make sure I get this letter.
Product: Mortgage

I have reached out to my mortgage company explaining my hardship. I explained then and now, that my mortgage was not affordable. I was paying {$2600.00} monthly on a {$130000.00} loan. At the time I took out the loan it was after hurricane XXXX so I understood then the high interest but I was told that after 6 months I could refinance and get a lower interest rate. Needless to say that was inaccurate and no I did not get it in writing. Please understand the background to my hardship. I have gotten behind on my mortgage I filed bankruptcy, I have had loan modifications and I am still fighting for an affordable solution. I recently received a loan modification, it was significant as oppose to what they previously gave. This time I received a 4.25 % interest rate down from 8.25 %. I had an 8.25 % interest rate for ten years. The lenders refused to lower it, now that XXXX has gotten involved it was reduced. I am pleased about that but no one is addressing the pmi another source of my hardship. Please help! I want to keep my home I have proven that by fighting to reach an affordable solution but this company is trying to force me out and I do not understand why.. My pmi MONTHLY is {$670.00}. My house note is still unresolved. All I 'm asking for is to be given a true chance at owning and maintaining my home. This is my American Dream this is my home but some big bank is making money off of forcing the middle class workers out of their dream. I do not want to raise my children in an apartment complex with XXXX XXXX and XXXX. It is my right to be able to raise my kids in a nice neighborhood, with exemplary schools. It is my right to have a fair chance at home ownership! Why am I being penalized for trying. I am asking once again to please look into and adjust my pmi I can not afford my house note due to it being excessive. Please note that this is my second complaint, I do not understand why the first one was closed because this matter was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES AND I NEVER RECEIVED A RESPONSE, I SENT ALL DISPUTES IN XX/XX/2023 AND XX/XX/2023, THE INVESTIGATION IS TAKING LONGER THAN 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are now reporting the account starting with XXXX on my credit report as an account that was in collection in XX/XX/2021. ( Please review attachments ) I have disputed that this account is not mine and no one has provided me any documentation to support the account belongs to me. But now the account was in collection last month. I have no accounts with XXXX that are in Collections.
Product: Debt collection

The following companies are not licensed to collect debts in the state of Texas and/or past the statue of limitations to collect monies not owed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX National Credit Systems , Inc . 

XXXX XXXX XXXX, XXXX are still trying to collect this debt which I do not owe since 2016. It has been taken off my credit report several times but this company keep falsely reporting a new open account date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXXXXXX XXXX charged off my account due to the negative balance status. I have been unemployed and experiencing hardships since XX/XX/XXXX due to the XXXX pandemic. 

On XX/XX/XXXX XXXX XXXX XXXX submitted information to Early Warning and XXXX XXXX claiming that my account was closed due to Account Abuse. I never abused my XXXX XXXX XXXX account - I was experiencing long term unemployment, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed XXXX XXXX policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. 

On XX/XX/XXXX, I attempted to open XXXX checking accounts - XXXX XXXX  and XXXX XXXX and was denied a checking account based on the information reported by XXXX XXXX XXXX to Early Warning and XXXX XXXX. 

XXXX XXXX XXXX 's errors has caused adverse actions to be taken against me ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXX ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Finally, I believe XXXX XXXX XXXX  's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. XXXX XXXX 's action against me violated my rights under the XXXX XXXX and XXXX XXXX because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.