23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a mortgage holder with XXXX XXXX, a mortgage servicer, They recently changed their image/name and now go by Mr. Cooper, I have been making payments as usual monthly payments on a monthly basis. A few months ago, my neighborhood was hit by hurricane Irma. I was contacted by Mr. Cooper advising that if I was affected by the hurricane that they had a forbearance program that would allow me to pay a minimum per month {$100.00} on my mortgage for 3 months and that they suggested that the balance of each month still owed would be added at to the end of the overall mortgage payment schedule, which I was ok with and continued to make the minimum payments that was agreed between the mortgage company and me. Since that time, I have been trying to reach them to discuss the agreed upon arrangement we have made. I have been trying to reach the company, XXXX XXXX multiple times on a few different numbers that was listed on the payment statement. Each time I tried a different number I always got the same recorded message to XXXX XXXX XXXX. They continue to send me these statements and telling me to call them. I continued trying to reach them and the call always going to the same voice message a XXXX XXXX XXXX. I feel like they are intentionally avoiding me and to not discuss thus forbearance arrangement we have made creating an impression that I am defaulting on my mortgage, of which I 'm not in default. I would like to get to the bottom of this matter and talk to the lending company on this dilemma. No one is calling me and I 'm continuing to get statements and notes are being left at my door indicating importance to contact them. While no one will return calls from my messages on the many times I would leave them, I am in the dark with the forbearance arrangement we agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reached out to XXXX and the company named CBNA/THD directly about the unauthorized credit inquiry that is showing by CBNA/THD but no one have responded or gave me an update about the inaccurate information thats being reported. 

I am hoping that this complaint can make XXXX and CBNA/THD be responsible in deleting negative and inaccurate information like they should especially if they are reporting wrong information to my report that is hurting my score. 

Can you please investigate CBNA/THD with the inquiry date on XX/XX/2020 and have XXXX delete the unauthorized inquiry off of my report. Please?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XX/XX/2017 MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Account # Unknown To Whom It May Concern : This complaint is being filed against your company you due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any  negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 card

On XX/XX/XXXX I reached out to community Bank to resolve credit card issue. I informed them my balance was paid in full on XX/XX/2023. I paid XXXX. I was unaware there was 1.39 % interest being charged since I had paid my account in full. It did not calculate until the end of the cycle. The fee was waive and I paid {$5.00}. I requested my account to be closed to avoid any future unknown costs. 

I requested that because my account was paid in full it be removed from my credit report.
Product: Student loan

In XX/XX/XXXX I reapplied for an Income Driven Plan and was informed it was approved for $ XXXX/month. I filed my taxes in XX/XX/XXXX, checked the status a few weeks later and seen a tax topic code 203. Unsure what that meant I did research and found it was due to my student loans. I contacted the loan company right away and was informed my loans were put in default in XX/XX/XXXX, I was never informed about this. I started contacting the debt collection company that was handling the debt and the Department of Education. I was told there was nothing that could be done to stop the tax offset of my refund. D.O.E stated if the error was on XXXX XXXX I would need to contact them and dispute the error. I contacted the Service Recovery Department of XXXX XXXX on XX/XX/XXXX and was informed my application for the Income Driven Plan was either never processed or wasnt processed correctly. The agent I spoke with started the request to have the default reversed due to clerical error and informed me it would take 30 business days for the request to be sent to the Department of Education. I called the DOE on XX/XX/XXXX, they had not received the request yet. I contacted XXXX XXXX on XX/XX/XXXX to check the status again, I was informed the requests are sent to DOE the end of every month and was assured it would be sent by the end of XX/XX/XXXX. I contacted DOE on XX/XX/XXXX, they still have not received the request. I contacted XXXX XXXX on XX/XX/XXXX and was told their internal department has not reviewed my case yet. At this point I have waited the time they required and I had my entire tax refund offset due to clerical error on XXXX XXXX and they can not give me answer to when this will be resolved. After they do send the request to the DOE I have to wait an additional 30-60 days for the loans to be sent back to XXXX and out of default, 45 days for DOE to process the refund for the amount that was offset and an additional 14 days for a check to be sent to me. This situation has caused me extreme hardship, financially and emotionally. Something needs to be done for XXXX XXXX to resolve their error.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint regarding the unresolved fraudulent items on my credit report. Despite multiple efforts and providing all necessary documentation, the items remain on my credit report, causing significant financial and personal distress. In spite of my continuous efforts and compliance with all procedures, the fraudulent items have not been removed from my credit report. This ongoing issue has severely impacted my credit score and overall financial stability. I am requesting asking for your help to immediate assistance to : Investigate my complaint thoroughly and ensure the removal of all fraudulent items from my credit report. I appreciate your attention to this urgent matter and look forward to your prompt response. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After waiting patiently for several weeks for your agency 's correspondence via mail, I have received an updated copy of my credit report today. Unfortunately, it appears that there are still inaccuracies on my credit profile that require immediate correction and removal in order to prevent my credit scores from declining further. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ON XX/XX/XXXX XXXX XXXX XXXX MENDELSON LAW FIRM SENT MY EMPLOYER A NOTIFICATION OF GARNISHMENT FOR A DEBT THAT I WAS NEVER NOTIFIED OF NOR SERVED WITH A NOTICE OF A CIVIL CASE ( ATTACHED ). 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : RE : XXXX Attached is a served copy of the garnishment. Please let me know if you need anything else. 

Thanks, XXXX XXXX | Attorney at Law XXXX Physical Address : XXXX Estate Place | XXXX, Tennessee XXXX XXXX Address : XXXX XXXX XXXX XXXX | XXXX, Tennessee XXXX XXXX Address : www.mendelsonfirm.com Toll Free Telephone : XXXX Telephone : XXXX ext. XXXX XXXX : XXXX This communication is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. 

NOTICE : The information contained in this electronic mail transmission ( " e-mail '' ) is intended by Mendelson Law Firm for the use of the named individual or entity to which it is directed and may contain information that is privileged or otherwise confidential. It is not intended for transmission to, or receipt by, anyone other than the named addressee ( or a person authorized to deliver it to the named addressee ). It should not be copied or forwarded to any unauthorized persons. If you have received this e-mail in error, please delete it from your system without copying or forwarding it, and notify the sender of the error by reply e-mail or by calling Mendelson Law Firm at ( XXXX ) XXXX so that our address record can be corrected. 

IRS Circular 230 Disclosure : To ensure compliance with requirements imposed by the IRS, we inform you that any tax advice contained in this communication ( including any attachments ) was not intended or written to be used, and can not be used, for the purpose of ( i ) avoiding penalties under the Internal Revenue Code or ( ii ) promoting, marketing, or recommending to another party any transaction or matter addressed herein. 

A CHECK IN THE AMOUNT OF {$2400.00} WAS SENT TO XXXX XXXX XXXX XXXX XXXX CLERK XXXX XXXX XXXX XXXX, XXXX, TN. XXXX XXXX ON XX/XX/XXXX AND A CHECK IN THE AMOUNT OF {$2400.00} WAS DELIVERED TO SAME ADDRESS AND PERSON ON XX/XX/XXXX. 

THE XXXX CHECK WAS RETURNED TO MY EMPLOYER ALONG WITH A " RELEASE OF GRANISHMENT '' FROM XXXX XXXX CIVIL COURT XXXX XXXX XXXX, TENNESSEE FOR CASE NUMBER XXXX ON XX/XX/XXXX. 

I CONSIDERED THIS MATTER RESOLVED AND EXPECTED THE RETURN OF THE FUNDS SENT BY MY EMPLOYER TO XXXX XXXX XXXX XXXX XXXX CLERK XXXX XXXX XXXX XXXX, XXXX, TN. XXXX XXXX. TO DATE I HAVE NOT RECEIVED THE REFUND. 

ON XX/XX/XXXX, MY EMPLOYER RECEIVED ANOTHER GARNISHMENT OF WAGES FROM THE SAME LAW FIRM, WITH THE SAME CASE/DOCKET NO XXXX XXXX THAT I WAS RELEASED FROM ON XX/XX/XXXX ( SEE ATTACHED ). 

I WAS NEVER SERVED NOR NOTIFIED OF THIS JUDGEMENT OR CASE. 

THIS IS HARASSMENT AND POTENTIAL ENDANGERING MY EMPLOYMENT.
Product: Credit reporting or other personal consumer reports

I appreciate you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few records that require to be FIXED. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and Equifax credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. XXXX XXXX Account XXXX : {$32000.00}.
Product: Credit card or prepaid card

My XXXX year old son took my credit card and made a purchase on XXXX of XXXX. I was not aware of this purchase, nor did I authorize his use of my card. When I called Wells Fargo to dispute the transaction, they said that they do not dispute charges from family members. This is completely opposite the current legislation and I see no verbiage that includes an exception for family members. My son is XXXX, ( actually he passed away now unfortunately so he is dead ), or was XXXX at the time, a full adult of his own and he should be held responsible for fraud as if anyone else took my card and used it.
Product: Debt collection

I requested my credit report in XXXX of 2021 and when I viewed them I found a collection on my credit. This is not my debt to owe. When I contacted Resurgent Receivables LLC on XX/XX/2021 which was the initial contact, they did not send me a written notice within 5 days. I had to write them a letter on XX/XX/2021 needing them to validate the debt. Furthermore upon reviewing the debt that is not mine, there seems to be interest and other charges tacked onto the amount owed which also does not follow FDCPA. I was never once contacted about this debt. See section 808 ( 15 USC 1692f ) and 809. Validation of debts ( 15 USC 1692g ) on why this company does not follow FDCPA. I need this debt to be removed from my credit immediately.
Product: Credit card or prepaid card

My son, an authorized user of my Barclaycard ( XXXX ) account, disputed two fraudulent credit card charges ( {$130.00} and {$73.00} dated XXXX XXXX at XXXX XXXX and XXXX XXXX respectfully ) in the early days of XXXX, I think it was XXXX XXXX. Although my son visited the establishment earlier in the day, he left at XXXX XXXX. Towards the end of XXXX we received two letters from Barclaycard, one requesting additional information and the other denying the dispute. Copies of the card transactions of the disputed charges show neither was signed by him.
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On XXXX XXXX we responded to the request for additional infomation with a dispute form stating that the transactions were not signed by my son or I. On XXXX XXXX, Barclaycard denied the claim again and will not reopen the case.
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On Barclaycard 's website it states : Barclaycard provides fraud protection and monitoring on all of our credit cards to ensure the security of customer information. All customers are also covered by our {$0.00} Fraud Liability Protection - which means you will never be held liable for unauthorized transactions.
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Clearly this has not been the case with our experience.
Product: Money transfer, virtual currency, or money service

Trying to link my account to XXXX and XXXX account and it denied
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXXXX/XX/XXXX
Product: Debt collection

I never received any notice or call from the company XXXX XXXX. I had a credit card with Capital One years ago. When i was going through XXXX  XXXX XXXX XXXX and a divorce at the same time my ex husband used my credit cards. I have tried to contact the creditor as well as the credit bureaus but there has been no resolve. I also put a fraud alert on my credit reports. 
There is no telephone number or company information listed for XXXX XXXX.
Product: Mortgage

I completed a loan application with XXXX ( now Key Bank ), was given what I thought was a pre-approval letter but in reality was a pre-qualification letter to purchase a home. I paid for the home inspection, appraisal and up until mortgage committment day, everything was going well. On the day of mortgage committment I was notified that I did not qualify for the loan product they pre-qualified me for and was denied the mortgage based on me making too much money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit repot in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U : S : C 1681i ), 609 ( 15 U : S : C 1681g ), and 604 ( 15U : S : C 1681b ) after reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize disputed inquiry : XXXX  XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXistheonlycompanytocontinuetoreportthisaccountinaccuratelywhichconstantlybringsdownmycreditscoreeachmonth,photoattachedandtheaccountmustbedeletedfrommyreportbecauseaftermultiplecomplaintsyouhavefailedtofixtheissue!
Product: Vehicle loan or lease

This letter was sent in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX GM Financial Loss Recovery 1099-C Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Dispute of Incorrect 1099-C Issued in XXXX Dear GM Financial, I am writing to formally dispute the 1099-C issued to me in XXXX for a debt related to my car loan, which was repossessed in XXXX. Based on my records and Pennsylvania 4-year statute of limitations, the timing of this 1099-C is incorrect for the following reasons : 1. Repossession Occurred in XXXX The vehicle was repossessed in XXXX, meaning any deficiency balance should have been addressed shortly thereafter. 
2. Lawsuit in XXXX Your company pursued legal action in XXXX, indicating the debt was still being collected at that time. 
3. Charge-Off in XXXX The debt was reported as a charge-off on my credit in XXXX, suggesting that if cancellation occurred, it happened that year. 
XXXX. Incorrect Reporting Year If the debt was canceled in XXXX, per IRS regulations, you should have issued the XXXX for tax year XXXX ( no later than XX/XX/XXXX ). The issuance of this form in XXXX is improper and unfairly impacts my tax liability. 

Given these facts, I request that you : Provide documentation showing the exact date the debt was canceled. 
Issue a corrected 1099-C for the appropriate tax year or confirm in writing that the debt should not have been reported in XXXX. 
Notify the IRS of any correction, if applicable. 

If I do not receive a response within 30 days, I may file a formal dispute with the IRS and Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please respond in writing at your earliest convenience. You may reach me at XXXX or XXXX if you need further information. 

Sincerely, XXXX XXXX Below are the follow up calls : XX/XX/XXXX - spoke to ( XXXX ) different persons on receiving a corrected 1099 that and I was advised on the call that the 1099 should have reflected XXXX based on their records however, the 1099 was sent to the IRS in XXXX - I was advised that they would create a ticket and call back in XXXX days for a corrected 1099 XX/XX/XXXX- I repeated the same thing from XXXX and yielded the same response XX/XX/XXXX - I spoke to the loss recovery and was told again a ticket was being created and call back on Monday XX/XX/XXXX XX/XX/XXXX - I called hoping they had enough time to process the request and this time I told by XXXX in Loss Recovery that they can not produce the 1099 and that a ticket was never created and all she can do is provide the 1099 from XXXX
Product: Checking or savings account

For several years and continuing to today, CapOne 360 Savings Account paid frozen interest of 0.3 % to my long time savings account while creating a CapOne 360 Performance Savings Account that advertised at over 4 % on its main page to new customers. I was never informed that they had frozen the interest rate at a nominal amount in the 360 Savings Account. In fact, they dont even offer that 0.3 % account to any new customers but still have kept long time customers in it. The only way to get the higher rate is to close the old savings open a new one. This is deceptive advertising and bait and switch from the legacy account that I was in. 
Thank you for your attention to this matter. 
XXXX