23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On about XX/XX/XXXX through XXXX of XXXX, I have contacted XXXX and inform them of my hardship and that I wasn't able to make the same payments that I was making nor to pay off the credit card in full like I normally was doing. I asked for assistance in paying less of the minimum until I pay off the account, suggested to payment arrangements, and or freeze my account from recurring past dues and interest charges. Of course, they treated me calling every day at all times to the attempt of harassing and not helping me at all. 
On XX/XX/XXXX I was hired to work at the XXXX XXXX XXXX XXXX XXXX XXXX in which 3 weeks later I was let go being sued according to some workers that came to my attention with it when I asked for assistance I was turned down and because of this sue allegedly reasoning for termination of my employment with no warning no discipline actions of any kind. The information is given " didn't work out because I wanted to serve the communities and children '' ( low blow ). 3 days later this woman hired to deliver the court hearing threatened me if I didn't open my door and let her in. Her on words I have something to give you, you need to open the door, and if not everyone will know your business. She continue pushing my door louder and demanded for me to open my door. She was impersonating to be law enforcement didn't provide her name nor company she was representing. She continued to intimidate me by saying I have taken pictures of your car as well. The company suing me is called Midland Collector Management and the law firm working for them has not made an attempt to answer the letter requesting information as far as I do not know who is Midland Credit Management Inc. My case is XXXX
Product: Credit reporting or other personal consumer reports

The delinquent payment shown on my credit report XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XXXX XXXXXXXX account XXXX, XXXX XX/XX/XXXX and XXXX XXXX
Product: Credit card or prepaid card

I ordered a security system for my husband for a XXXX present but I changed my mind and sent the unopened package back. I refused delivery. I have the shipment document that they received the shipment back but they are still trying to charge me for it. Discover started to automatic debit my checking account without my permission to get this payment. I have spent hours on the phone with Discover trying to resolve this. I wanted to send the documentation that it was sent back with registered mail but all they have is a P O box for disputes. I tried to file the dispute on my online account but I have not used it in so long it was on a old phone number so I couldn't get the security code. I have sent them documentation from XXXX through the mail 4 times. I still can't get this resolved. The purchase was made through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX BANK XXXX Balance XXXX {$120.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are NOT licensed in the state of Tennessee to collect debts of any kind nor report them on credit reports. I have proof listed below to confirm this information. Per the NMLS Consumer Access website these companies DO NOT hold a valid license in the State of TENNESSEE. They are violating my rights as a consumer by reporting inaccurate information on my credit report. I did not furnish written consent of any kind to these agencies to report any debts. I have no knowledge of these accounts, or any of the debts. The accounts and their account numbers are listed as follows : XXXX XXXX XXXX Acct # XXXX
Product: Mortgage

After finalization of my divorce I bought my ex-husband out in XXXX to maintain my primary residence. The deed on the property changed from me and my ex-husband to me alone. In order to do this I took out a loan from Pacific Union Financial in the amount of {$360000.00}. Because of income limitations the mortgage representative suggested a co-borrower and my parents agreed to be co-borrowers. Pacific Union Financial required my parents and myself to sign both a promissory note and mortgage document but my parents never had ownership of the mortgaged property. According to the loan officer since the loan was an FHA loan, in order to comply with FHA guidelines the mortgage document had to be signed by all three parties. 
In XX/XX/XXXX Mr. Cooper bought Pacific Union Financial and serviced my loan. Due to a financial hardship on XX/XX/XXXX I applied for mortgage assistance an asked Mr. Cooper to look at a possible modification of my loan. In the interim I remarried and in the process of the modification application, I asked Mr. Cooper to evaluate the income based solely on my income and my husbands income alone. My parents never materially participated in the payments of my mortgage and including only my household income would give a truer picture of my affordability of paying back the loan. Mr. Cooper agreed and asked my husband to sign a non-borrower support letter. I also disclosed to Mr. Cooper that the title of my property was in my name alone. The company 's response back to me was I needed to include a recorded Quit Claim Deed which would have retitled my property from Me, My Dad and My Mom to Myself alone. It according to Mr. Cooper would be an FHA requirement. Unfortunately my parents could not give up ownership of a property they never owned and Mr. Cooper declined my application because I could not provide ownership change documentation. Having questioned how under FHA guidelines the original loan was able to close when my parents had no ownership Mr. Cooper 's response was they were not liable for anything Pacific Union Financial would have done in  the past. I didn't agree with that statement and suggested that through the purchase of Pacific Union Financial, Mr. Cooper should be accountable for any errors or mistakes made by the previous  company. I recently received a denial letter ( see enclosed ) from Mr. Cooper regarding the modification and correspondence from Mr. Cooper 's attorney 's ( see enclosed ) informing me that foreclosure proceedings have started. I feel that there was a mistake with the original loan and that mistake is not allowing me the chance to modify my loan or take advantage of other options like forbearance. I have since contacted FHA directly and they are in the process of investigating my case. I also have contacted an attorney and may opt for a lawsuit against Mr. Cooper. I am hoping that Mr. Cooper will reconsider my modification or rectify the issues which started with Pacific Union Financial. Thank you for your prompt attention regarding this matter.
Product: Credit reporting or other personal consumer reports

This morning, unauthorized inquiries unexpectedly appeared on my credit report, and Im at a loss as to how they got there. I routinely monitor my credit report, but this time I was confronted with discrepancies that were entirely unexpected. I even tried refreshing my browser to see if it was a mistake, but the unauthorized inquiries were still there. Due to this issue, Im asking for a thorough examination of the documents Ive submitted so that I can stop worrying about this matter.
Product: Credit reporting or other personal consumer reports

Effective XX/XX/2023, Wells Fargo transferred my mortgage to XXXX XXXX. I paid my XXXX mortgage payment on XX/XX/XXXX. My XXXX credit report shows that I have a new account with XXXX and that I have a missed payment with XXXX and that my mortgage balance is now {$1900.00} higher and that I have two mortgages. This lower my score in the double digits. XXXX also shows that I have a 40 year mortgage when I only have a 30 year mortgage. This was reported to XXXX on XX/XX/XXXX. I need Wells Fargo to report my account closed, and I need XXXX to correct my mortgage term, my account balance and my mortgage term, and that I don't have a missed payment. I also need my payment reduced. I had an escrow shortage with Wells Fargo that was spread out over 24 months with a mortgage payment of {$1600.00} that has jumped to {$2100.00}. I am on a fixed income that is net $ XXXX. I believe that that, because I have so much equity in my home, they want me to foreclose. A friend of mine won a XXXX XXXX lawsuit against XXXX, which is the parent company of XXXX, due to fraudulent practices and Wells Fargo has the same practices. Wells Fargo added {$5000.00} to my balance with no explanation and I can't get to the bottom of this with either lender. Please help me.
Product: Debt collection

I previously had an account with XXXX for my cell phone services. I cancelled my service back in XX/XX/XXXX and paid my last invoice on XX/XX/XXXX for {$240.00}. I called several times to confirm my account was cancelled with their customer service department. However in bad faith XXXX has sent me to collection with a company called Source Receivables Management. I do not know this company or agreed to do any business with them however they are demanding I pay {$460.00}. I formally asked Source Receivables Management on XX/XX/XXXX to provide proof of the required documentation to validate the debt : Proof that you are licensed or legally authorized to collect on debt in my state. 
Proof of your bonding agent in the event where I must seek counsel. 
Proof of your authority in the collection process. 
Proof that the original creditor authorized you to collect on the debt on their behalf. 
The original creditors name. 
Details on when the account first went into delinquent status since that is the date required as OPEN DATE on the collection account. 
However they refuse to provide the proper documents and display the use of delay tactics. I believe this company is acting in bad faith and violating my right under the FDCPA and the FCRA. I would like someone to investigate this matter because they are reporting this collection on my credit report and causing me intentional harm.
Product: Credit card or prepaid card

On Saturday XX/XX/2021, I tried making a payment on my card using capitals ones website and the app but for some reason it identified that I dont have any acccounts to service at this time. This affected me so much due to the fact that it is XXXX XXXX weekend and I needed to make a payment on my account to use my credit which is a XXXX given right that shouldnt be deprived of. I dont why my account would be removed from their online database as online banking is an important role in todays society. I wasnt able to purchase food and gas through my card. I suffered damages of having to borrow money from someone else with interest applied. I dont understand how capital one could make an error and not inform me this act is devastating. XX/XX/2021 I called capital one to ask them why my account has been deleted from the online database without my request or informing me. I was told I would need to re enroll again to continue my online banking as I did before. This is a disgrace to me the consumer and even if capital one isnt aware of this computation error they are still liable for damages under 15 USC 1693H. Thank you so much Consumer Financial Protection bureau for protecting my rights.
Product: Credit card

XXXX XXXXXXXX a website provider made it really difficult to cancel their subscription. I canceled it and when I filed a XXXX complaint with Capital One, they provided a provisional credit but then later retracted it advising that XXXX XXXX said that they could not find a cancellation. This is a lie I have screenshots. I also have a screenshot of an email sent from XXXX XXXX advising that the bank had taken the funds. The service has been canceled
Product: Credit reporting or other personal consumer reports

When I sent a copy of the FTC report, it was made clear that XXXX credit bureaus are not interfering with records. I'm sending this Complaint to aid with drawing up a lawful response, as required by FCRA regulation 605b. If you do not object to the following items listed below, which are replying incorrectly due to fraud, I will turn over my records to my lawyer to commence a legitimate action. It's my intention not to pursue any valid activity, so if it's not too much trouble, follow the law. 
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 card

I had a dispute with a merchant regarding a hardwood floor I purchased. After spending several months working directly with the merchant, I contacted Bank of America to dispute the charge. After their investigation I was credited with the purchase price of the flooring. This decision was disputed by the merchant. I was given until XXXX XXXX to respond to Bank of America 's request for additional information. I did not receive Bank of America 's letter in the mail stating this deadline until XXXX XXXX. Upon calling Bank of America and requesting additional time, they stated that I was late in my response and that I had lost my case. I spoke with multiple individuals in the Claims Department, all of which regurgitated the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax  ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. The following account is not mine ENHANCED RECOVERY CO L Account Number : XXXX Date : XX/XX/XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the Description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 
Thank you,
Product: Credit reporting or other personal consumer reports

A certified letter was sent to Truist Bank who issued a credit card in my name to an unknown address : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX. Apparently, the credit card was used and not paid. Trusit Bank reported this delinquency to the agency under my name. I never lived in XXXX. The Credit Reporting Agencies used this report to negatively affect my XXXX score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need you to remove the following accounts from my Credit File as the earliest possible time : XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I traded in my XXXX vehicle for a XXXX vehicle. I had loan on the XXXX through CapitalOne XXXX XXXX. The dealership ( XXXX XXXX XXXX XXXX ) I purchased the XXXX sent in two checks to CapitalOne to pay off the remaining balance of the loan. The first check, for {$7100.00} was voided by the dealership, but was processed by CapitalOne on XX/XX/XXXX. A new check was overnight delivered via XXXX  CapitalOne received this check and the funds were processed on XX/XX/XXXX, but it was not applied to my account. CapitalOne released the title of the vehicle ( which has since been sold ) and has not released the debt on the XXXX vehicle, and is still trying to collect payment. 

In speaking with a person on the CapitalOne Resolution Team named, XXXX, on XX/XX/XXXX, it was their opinion that the issue was CapitalOne received checks on two consecutive days. One check was cancelled and the other cleared, but a mixup occurred in clearing the debt.
Product: Payday loan, title loan, or personal loan

I am a victim of identity theft, I did not give anyone permission to use my social security number or personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX  ( Original Creditor : 08 XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

I requested multiple times to give me the monthly breakdown how Chase determine the total amount of {$100000.00} for XXXX loan modification. No response, just run around.

1. The number of missed payments covered by the XXXX loan modification.

2. Breakdown per month ( example : XX/XX/XXXX : Principle {$500.00}, Interest {$500.00}, Escrow {$500.00} for each month ) The breakdown of principal, interest, and escrow for each MONTH covered by the XXXX loan modification. 

I sent the following to the executive office and customer service through mail and email at XXXX, XXXX, XXXX Case No : XXXX Dear Chase Executive Office, I am writing regarding my request for a breakdown of the 2011 loan modification for Case No. XXXX. Specifically, I am seeking information on the number of missed payments, as well as the breakdown of principal, interest, and escrow for each month covered under the loan modification.

I have made multiple requests for this information and have also spoken with your customer service representatives. However, I have not received a satisfactory response. During my recent conversation with customer service, I was informed that only the executive office has the authority to remove the second mortgage that was added to my loan. Additionally, I was told that customer service does not have access to the specific numbers used to determine the total amount of {$100000.00}. 

Given these circumstances, I kindly request that you provide me with the following information : The number of missed payments for each month covered by the XXXX loan modification. 
The breakdown of principal, interest, and escrow for each month covered by the loan modification. 
If providing the above breakdown is not possible, I request that the second mortgage be removed from my loan. 

I understand the importance of accurate and transparent financial information, especially concerning loan modifications and legal documents. Your prompt attention to these matters would be greatly appreciated. 

Thank you for your time and assistance.