23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr Cooper Mortgage XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX Mr Cooper ATTN : Payment Processing XXXX XXXX XXXX XXXX Texas XXXX My Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas XXXX ( XXXX ) XXXX Please Help XX/XX/XXXX I informed Pacific Union of significant tax changes ( Exemptions ) to my escrow. 
XX/XX/XXXX Pacific Union sold my VA mortgage to a Mr Cooper without a notification to me. 
XX/XX/2020I received a certified letter from Mr Cooper threatening foreclosure. Mr Cooper returned my mortgage payment to my bank refusing to accept the payment. Mr Cooper has added frivolous fees to my escrow. 
XX/XX/XXXX I have attempted to call Mr Cooper and I have left several online messages with Mr Cooper to resolve the matter. 
XX/XX/XXXX I changed my payment to Mr Cooper, however the payments come back under a Nationstar Mortgage LLC as the owner. 
I contacted XXXX Banking and they are investigating the matter of why the payments are returning. 
XX/XX/XXXX A Mr Cooper representative called me and informed me I needed to refinance in order to fix the issue. 
* At this point I am not sure who to pay my mortgage to ( Nations, Mr Cooper or Pacific Union ). 
Mr Cooper is taking advantage of not informing me of any type of transfer of my mortgage and is using it as a way to sell me to refinance. 
Mr Cooper keeps sending me Covid 19 refinancing emails, however will not return my calls to resolve the mortgage issue. 
I believe this is criminal.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$14000.00}
Product: Debt collection

I ask that Source Receivables Management # XXXX interact further with me in writing, instead of via other methods, consonant with my rights explicated within the FDCPA and other relevant statutes. I authorize you to contact me about this debt, but solely via printed letter, to me at my home address as all other methods in any other way, place, or time are inconvenient to me. Should you be unable to comply with this reasonable request, this may indicate Source Receivables Management violation of the FDCPA and/or other federal statutes. Furthermore, please show detailed verification for consumer materials forwarded to consumer reporting agencies for me, XXXX XXXX, with regard to the stated account number # XXXX. Since it is possible that reporting problems may exist with respect to what you reported, I hereby request that you transmit this verification within a month of receipt of this request. Moreover please assert that collection behavior has been facilitated in accordance with applicable federal and state consumer protections. I want more than only an overview lacking depth. Instead I must ask for a detailed audit. 
If you can not establish such documentary record within a reasonable time frame, account compilations given by Source Receivables Management to my credit bureau should not be considered true and may evince a violation of the FDCPA, FCRA, and/or other federal statutes. In that circumstance, delete such bureau items shortly. 
I appreciate your assistance with this circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following inquires are showing up on my credit file and and are not supposed to be there. Just because the are there does not mean that someone is using my credit or trying to obtain credit in my name. It simply means that the credit bureaus allowed the following companies to look at my credit, possibly through some promotional offer without my permission. The credit bureaus are bad about doing this and need to be warned. 

****THIS COMPLAINT DOES NOT MEAN THAT THERE IS TO BE ANY KIND OF ALERTS OR SECURITY FREEZES PUT ON MY FILES. IF ANY OF THE 3 CREDIT REPORTING AGENCIES DO THIS I WILL FILE A COMPLAINT REGARDING THAT*** 1. XXXX XXXX inquiry from XXXX REMOVE 2. XXXX XXXX XXXX from XXXX REMOVE 3.  XXXX XXXX XXXX XXXX These companies send you material in the mail and when you log on and put your personal information in then they ding you for a credit inquiry. I did not authorize any of these companies to do a hard pull on my credit and these need to be removed immediately from my file.
Product: Credit reporting or other personal consumer reports

I am trying to fix multiple errors on my Experian credit report and they keep sending me emails saying they dont think it was me that submitted the disputes and are not doing anything about it even though I have sent id documents and everything and they have previously did the same response. It seems they are doing everything in their power to not abide by the fair debt reporting act and investigate properly and remove inaccurate information. I guess trying ti save money or man power while my credit is suffering and I am trying to buy a house and cant because of this inaccurate reporting. I need help to get then to actually do this and stop playing games with my life. I have attached the email and this is multiple times in the past few months they have done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for several times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Credit reporting, credit repair services, 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, I deposited a XXXX check into Wells Fargo Bank via Mobil Deposit. The check was drawn on a checking account I have at XXXX. That checked was flagged by XXXX as having an irregular signature as I didnt sign my full name as is on the signature card and the check was for XXXX. 
When notified, I called both banks and was instructed by XXXX to write a new check using full signature. 
On XX/XX/XXXX, I deposited new check for XXXX into Wells Fargo. 
On XXXX, I received notification from Wells Fargo that my account had fallen below XXXX. 
On calling the XXXX #, I was told that they put a fraud alert on the check and it was being held until XX/XX/XXXX. I asked to speak to a manager, I was transferred but got no further when I explained that the check had cleared my XXXX bank according to online transaction on XX/XX/XXXX. I asked to speak to a higher level manager and was told I would have to wait 24-48 hours. I hung up and called XXXX who verified the check cleared my XXXX acct on XX/XX/XXXX. 
I called the Wells Fargo branch where I opened the account and was told I had to call the XXXX number. 
I want to know where my XXXX is as it is not available to me either from XXXX, where is was deducted on XX/XX/XXXX and not from Wells Fargo who presumably has the money but is not crediting my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

KINDLY BLOCK AND REMOVE. Please promptly remove the unauthorized accounts from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Under XXXX XXXX, I formally request their removal within XXXX  days. Attached are the relevant documents for your review and reference
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report from results of a data breach or identity theft. These are the dates of accounts on my transunion credit file XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are the dates and accounts on my XXXX profile XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( XXXX, equifax, and XXXX ) refuse to remove bankruptcy on all my closed XXXX  accounts. They claim the loan provider XXXX  verified it was discharged in bankruptcy. This is not true. My loans where discharged through XXXX  from XXXX for being a XXXX veteran. I called XXXX  numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obligates us to eliminate any inaccurate accounts from my credit report. Could you check the documents? Some accounts are wrongly reported, with incorrect amounts and dates.
Product: Debt collection

I was served documentation from Gurstel Law Firm Professional Services. They were representing XXXX XXXX XXXX company. This is for a debt that I had not repaid yet because of a financial hardship I am going through currently. I had relayed this to XXXX on more than one occasion however they still turned this account over to Gurstel. Gurstel served my wife court documents ( that are only in my name ) and in those documents there was a reply that was asked for on a questionnaire sheet via US mail. I mailed this in and then I also received a letter back with the copy of the letter I sent along with their acknowledgement that they had received such letter. Without notice from Gurstel or any other communication or a phone call they put a lien on my house on the day it was supposed to fund when their lien came through and I was forced to pay that debt in full to move forward this did not only finacially hurt us even more but put us in a worse off position than we currently were. Gurstel did this without warning and I had explained in my letter that I was willing to work with them and that I needed to get this situation in order because I had fallen upon some hard times. They proceeded without any further contact to seize that money. This left my family and I in a very hard spot that could of otherwise been avoided. We are still trying to recovery and will be for a while. I looked online and they have reviews after review of similar tactics where they insert themselves into your personal life trying to capitalize in any moment that they can take advantage of you when your are vulnerable and that is what happened here.
Product: Credit card or prepaid card

While filing my taxes, I did not have my bank account number, so I chose to have my federal tax return loaded onto an American Express Serve card. I forgot to include my apartment number when entering my shipping address during the registration process for American Express Serve. This was on XX/XX/2019. I should have received my card by mail within 7 - 10 days. Around the 7th day I realized I forgot to include my apartment number. I immediately tried calling their customer service number and was greeted with an automated system. I was able to enter the last four digits of my social and in return I was informed by the automated voice that I needed to activate my card and then prompted me to enter the 15-digit card number, which I do not have. I tried updating my address on their website, but since the first card is still considered an " active order '' I was unable to update my address. It shows a message saying they are unable to process my request at this time and to call the customer service number. Without my card, the customer service number is useless to me.The card 's estimated arrival date was XX/XX/2019. Today 's date is XX/XX/2019 and I am still trying to figure out how to get my federal refund of {$6200.00}. I can log into the website and app and see that my money is there, I can also see the last four digits of the account number but am unable to do anything until I activate my card. I even asked my post office how long they keep " undeliverable '' mail and I was told it gets returned to the sender almost immediately. I need to talk to a real person from American Express Serve, not an automated system. I have searched and searched and have found no solution!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these inquiries, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XX/XX/XXXXXX/XX/XXXX Account Number : XXXX Delete this account 3. there is some inaccurate information reporting XXXXXX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting THE BUREAUS Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXXXXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XX/XX/XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XX/XX/XXXXDate of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy Reference Number XXXX
Product: Credit reporting, credit repair services, 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. 

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 an 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: Student loan

On XXXX XXXX, XXXX, the XXXX XXXX XXXX Ohio Bankruptcy Court discharged my debts in a Chapter XXXX case ( # XXXX ) by the Honorable XXXX XXXX XXXX, U.S. Bankruptcy Judge. XXXX of the discharged debts included a student loan with the U.S. Department of Education in the amount of {$3100.00}. 

Since then, I have been subjected to ongoing harassment and illegal tactics by several collection agencies -- all of which I 've had to dispute sooner or later. The latest agency, FMS Investment Corporation. FMS has unlawfully threatened wage-garnishment unless I pay in FULL - which includes provision of personal information to their agency ( employer, wages, bank accounts, revolving credit, disposable wages and tax return info ). I sent the XXXX Bankruptcy discharge documentation requested by FMS in my " objection '' to the wage garnishment and " request for hearing '' within the deadline period. The documents were sent to FMS certified mail ; signature required/return receipt via USPS on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX I received another correspondence in ( form ) letter from FMS. This letter states : " you have provided no evidence or application to support the objections or claim for discharge relief that you raised in your request for hearing. '' That statement is 100 % false, as I consulted my XXXX Bankruptcy attorney to request the exact documents being requested by FMS to settle this once again. 

In addition, my Federal Income Tax Return has been seized many times over the last 16 years. I have n't seen a tax return refund for many years. 

I would welcome any feedback and eventual recourse -- and to finally put closure to this neverending nightmare. The next deadline imposed by FMS is fast approaching : XXXX/XXXX/XXXX. 

Thank you for your time and consideration, XXXX
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/year> that there were a few hard inquiries on my credit report that I dont recognize. The first one was from XXXX XXXX XXXX XXXX XXXX XXXX The second one was from XXXXXXXX XXXX XXXX XXXX XXXX XXXX The third one was from XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX The fourth one was from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dont recognize any of these inquiries or details about them. Theyre all noted down on my hard inquiries and its made my credit score go down immensely. I hope that you can help get them removed.
Product: Mortgage

XX/XX/XXXX I was able to do a home loanmodification that the Presidentput in place. My home loan is servicedwith Select Portfolio Servicing companyI have made my payments on time every month since XX/XX/XXXX except XXXX timein XX/XX/XXXX I wrote my mortgage check out ofthe wrong checking account and caused alate payment on my credit. 
For the last five years I have been working to pay offeverything on my credit report and have gonefrom a low XXXX credit score to XXXX-XXXX now. 
I wanted to get an even lowerinterest rate because shortly after Select Porfolio Modified mymortgage payment to an affordable payment, they raised my paymentthree months later to an un-affordable rate, after they had takenthe incentive from the government for my loan modification. 
So I found out about the HARP program and how you could check withyour mortgage company to see if they offer the programand could get you a lower interest rate. 
I called Select Portfolio Servicing and asked who myMortgagee was and the person that answered stated that they could not tellme over the phone and that they would mail me the name of my Mortgagee. 
They sent me a letter and I have it and advised me my mortgageewas XXXX XXXX. They did not provide a phone number for me to callXXXX. I was advised by Select Portfolio Servicing thatI could not contact them and that I would haveto contact Select Portfolio Servicing if I wanted or needed any king ofassistance in regards to my home loan. 
I went ahead and googled XXXX in NY and someoneanswers and connects me to a recording when I asked for someone in the mortgage dept. 
I called and I called to reach someone with this XXXX XXXX. 
I then applied with XXXX XXXX for the HARP program and theyadvised me that my home was in foreclosure. 
I applied with my local bank XXXX XXXX XXXX, and they advised me thatmy credit report shows my home is in foreclosure. 
I asked XXXX XXXX XXXX Loan Officer, where are they gettingthis information from because I am looking at my credit reportI pulled last week and it shows I have not been late XXXX timesince XX/XX/XXXX but in XX/XX/XXXX for writing the payment from thewrong checking account and I have proof of that. 
I would like to be contacted about what action that I can take against XXXX XXXX. 
They are purposely filing mis-information to these credit bureaureport. The banks co-CEO and CEO have recently resigned for putting people inforeclose who should have never been in foreclosure. Please contact me aboutthis matter asap, as I need to get my home refinance at an affordable rate.