23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Mr. Cooper Reference : Loan # XXXX We thank your office for your interest in our issue with Mr Cooper. Mr Cooper has dealt with us in a very unlawful manner. Breaking all rules and regulations concerning foreclosure. First, our original loan was about {$370000.00}. Due to the loss of business, we fell behind on our payments. Mr Cooper claimed that they kept adding the payment and interest on the loan principal. They now claim that the loan balance today is over XXXX XXXX as of XX/XX/XXXX. The judge recommended that Mr Cooper allow us to do a modification on the loan. Mr Cooper refused to adjust the loan balance, by reducing the interest and principal reduction. That resulted in me not qualifying for a loan modification. Or unrealistic monthly payments.Which was unaffordable. One can see that Mr Cooper has one goal in mind. That is to Foreclose on the house, then write off the list for a windfall as a tax return. Mr. Cooper took too long to work on the modification, and in the end, denied the modification. Now the judge has allowed us to sell the house as a short sale. We have no time to do the short sale. The sale date is XX/XX/XXXX, and We have engaged the services of a real estate license agent. He was able to get three offers. One of the offers is a cash offer. That will take a little time to close on the house. We are writing to your office to help us get Mr. Cooper to move the sale date to XX/XX/XXXX, allowing time to do the short sale. 
Mr Cooper has crusted the efforts of our Realtor. They will not allow him to put the transaction in the XXXX. Mr Cooper is pretending, and claiming that there is not enough time to execute the short sale. They are waiting for the sale date to come and pass.So that the title will pass to Mr Cooper. In light of the above, we are pleading with your office to intervene. To appeal to Mr Cooper to grant a reasonable time to execute the short sale, there should be no reason for them not to allow more time. We did an appraisal on the house this year in XX/XX/XXXX. To determine a fair market price for the house. We have used that appraisal to list the house, and have received three offers. 
Mr Cooper will not allow us to do the short sale as granted by the court. All Mr Cooper is focused on, is to foreclose on our house, as to write it off on their tax return. So to have a windfall. Just three months ago Mr Cooper said that our loan balance was under {$900000.00}. In a short period, it has jumped to over XXXX XXXX. All the numbers are made up numbers. The loan was sold and traded. It has interested individuals who have an interest in the deed. We plead to your office to intervene on our behalf. So Mr Cooper to move the sale date to XX/XX/XXXX. Giving us a fair reasonable time to do a short sale. I hope that you will intervene on our behalf. They file something with the court that says they wanted to do modification. Please see the attached document referring to the working on a modification. 
We thank you in anticipation XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit, and its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX.
Product: Debt collection

I went to a  XXXX  minute clinic for services in  XXXX    XXXX  . Thinking my  XXXX  card used that day was sufficient, I later learned that it was n't. I first learned that I owed money not from receiving a bill from  XXXX , but collection notices from  Transworld Systems Inc. a fter the second notice, and some of my own research that I in fact had n't paid  XXXX  yet, I then paid my debt of {$100.00} directly to  XXXX  in  XXXX    XXXX  . I am still receiving collection notices fro m TSI ( 4th   n otice ).
Product: Mortgage

To Whom It May Concern, My husband and I are extremely " underwater '' on our primary home that we purchased in XX/XX/XXXX. In XX/XX/XXXX, we applied for and was approved for an home modification through our current lender SLS that instead of an decrease in our mortgage we experience an huge increase in our mortgage from XXXX to XXXX. We are currently paying XXXX due to increase in our escrow. We have been trying to refinance to lower the payment but due to that we owe XXXX and the house is value at XXXX we have been unable to qualify for a refinance house until now. We are working with an excellent mortgage specialist that informed us that we could possibly refinance the house if our current lender SLS ( Specialized Loan Service ) agree to forgive the difference amount that is owed. We submitted an letter on XX/XX/XXXX regarding this request via fax and email. I called SLS several times regarding receiving the letter and my request and was informed by one representative that they do not accept those type of requests, another representative informed me that they do not know what department deals with those type of requests and was unable to transfer to that department. I did speak with an Supervisor XXXX who informed that what I was requesting was what SLS called an short notification payoff and that most likely the office that is reviewing my request will send me the documentation to complete for the short notification. However, I have not received such documentation. I have received notice from SLS that they are reviewing my request and will notify me of letter the determination. SLS did not provide me with an timeframe but just stated " will notify you according to the government policy of notification '' Also, they sent me an letter stating " thanks for requesting application for an loan modification we will start to begin the process once you fill out the forms ''. I did not request loan modification as our letter was extremely clear of the request. We believe SLS is avoiding our request and is sidetracking us with other non-useful documentation. We are requesting your assistance in this matter to escalate our requests with SLS so we can receive the correct documentation and proceed to refinance our house to lower our payments as this is causing dire financial strain to our family. Thanking you in advance.
Product: Credit card or prepaid card

My wallet was stolen in XXXX on XXXX XXXX, XXXX XXXX, XXXX. I stopped for XXXX XXXX vendor selling chai. Within a half an hour I discovered my wallet missing and found many texts indicating many attempts at charging were made on several credit cards, including XXXX XXXX, XXXX XXXX, XXXX XXXX and my XXXX card. It appears that every card in my wallet had an attempted charge. Several attempts were for a purchase at XXXX XXXX XXXX for {$1900.00}. Another charge at XXXX 's was attempted on my XXXX XXXX debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


So how, what, when and where did the employee consumer reporting agencies such as : TransUnion, XXXX and XXXX allow for alleged debt collectors to report such private consumer transactions with a court subpoena and without written notice by the consumer granting those employees permission to do so? And pursuant to 15 U.S.C 6802 when did the consumer reporting agency notify the consumer regarding the opportunity to opt out of having any personal information to be sold and reported in reference to private consumer transactions? Wheres the wet ink signature on the original security instrument with XXXX XXXXU.S. Department of Education which includes F-D-I-C Holder in Due Course Notices since XXXX XXXX/U.S. Department of Education is acting a bank who loaned something of value? What did XXXX XXXXU.S. Department of Education loan something of value especially when digits arent value and federal reserve notes which are promise to pay notes have intrinsic value which returns to XXXX? Who purchased and sold the security instruments?
Product: Credit reporting or other personal consumer reports

Both other credit companies removed the XXXX XXXX fraud charges of XXXX 2 months ago. Equifax after many calls hours on the phone filling out disputes they still are failing to remove the charges, I have contacted them sent forms showing the charges were fraud from XXXX XXXX. The always lie about everything over the phone if you are lucky enough to contact them with proof. This company should be investigated as my identity was stolen in 2017 by equifax. I have excellent credit and the other XXXX companies show that. I have run out of options with these people at equifaz and their lies. I am contacting XXXX and try to get them to do something. They have the same info that XXXX and XXXX have but they still sit and do nothing this has been going on for 3 months. Please do something. XXXX XXXX I have no idea what their problem is but it needs to be fixed. asap.
Product: Credit reporting

I have yet to receive our results from Transunion regarding our dispute. I am requesting an error to be removed from my credit report as it in an error.
Product: Debt collection

On XX/XX/2017 I send a certified latter of " Validation of Debt '' to Scott & Associates PC XXXX Texas XXXX XXXX : File No XXXX.They have not send me the documents I requested within 30 days. following are the documents I requested : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 

Moreover.I informed that there claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents
Product: Checking or savings account

Huntington Bank violated Reg CC and is making it impossible to use funds that have been on deposit for months. This was in response to a check deposit from myself to myself. They told me I wasnt allowed to adjust the to line on a check written against my own account at another institution to myself. Complete over reaction and bad treatment of a decade long customer.
Product: Debt collection

Last year I filed a complaint against Palisades collection agency. In complaint XXXX I outlined a credit card debt that I knew nothing about. Court papers were served at an address I no longer reside for a number of years. They were awarded a garnishment of my wages. No papers were served to me. I requested proof of service yet no response. My complaint was forwarded to Palisades collection with a response to by XXXX XXXX General CounseXXXX representing Palisades. In his response he stated " Case Closed ''. 
On XX/XX/XXXX, I received a letter from my payroll department stating there is another garnish by the same company in the amount of {$1300.00} for interest accrued awarded by the Court of XXXX XXXX XXXX for the same garnishment. There is no date on the document except it was signed by XXXX XXXX dated XX/XX/XXXX. There is nothing on the XXXX XXXX XXXX court docket stating this collection. 

Since XXXX XXXX they started another collection for the same case even though stated closed. As of pay period ending XX/XX/XXXX a total of {$3000.00} is collected from my salary. That is {$1700.00} more than the stated amount. To date they have collected a grand total of {$4600.00} from my salary for a debt XXXX XXXX said they acquired XX/XX/XXXX. I was informed by my payroll dept that unless a letter of satisfaction is received, the garnish will remain enforced. 
I would like an enforcement to be brought against this company as well as initiating lawsuit. I believe I am a harm consumer with my salary at the mercy of this collection agency using it as their personal piggy bank. I also believe the documents they furnish to job is false. I made numerous attempts through emails to different parties and by certified mail but no replies. Phone calls are extended wait times then switch to voicemail. 
Please see attachment of previous complaint.
Product: Debt collection

To Whom It May Concern, I am submitting this complaint regarding an inaccurate and unverifiable entry on my XXXX credit report. The entry in question is related to a Rent Recovery account, which should no longer be reported for the following reasons : 1. The account has expired This debt is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ) and should have been removed from my credit file. 
2. The debt was never verified I previously requested validation of this debt from both XXXX and the original creditor, yet no proof was ever provided to confirm that this debt is mine or that it was reported accurately. 

Since this information is outdated and unverifiable, it is a violation of the FCRA for it to remain on my credit report. I am formally requesting that XXXX immediately remove this erroneous entry from my file. 

Please investigate this matter and provide a resolution as soon as possible. If necessary, I can provide further details to assist with the investigation. 

Desired Resolution : Immediate removal of the Rent Recovery entry from my XXXX credit report. 

Thank you for your time and assistance. 

I am filing this complaint because [ XXXX XXXX has failed to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, Rent Recovery numerous time over the last 7 years and more. I want to bring to your attention that both XXXX and XXXX have faced legal action for similar violations. Specifically : XXXX XXXX XXXX Settlements : These credit bureaus have been sued for failing to properly investigate consumer disputes and for reporting inaccurate information. Recent CFPB Enforcement : In XXXX, the CFPB took action against [ XXXX XXXX for failing to meet their obligations under the FCRA, including failing to remove errors even after consumers provided proof. XXXX XXXX XXXX XXXX XXXX : XXXX has also been held accountable for negligence in handling consumer data, which further underscores the importance of thorough and accurate reporting. Given this history of legal violations, I am requesting that [ XXXX XXXX promptly and thoroughly investigate my dispute in compliance with the FCRA. If the disputed information can not be verified as accurate, it must be removed immediately per federal law. I expect a response and resolution within the required 30-day period. Failure to comply may result in further legal action or escalation to the appropriate regulatory authorities.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They keep attempting to charge me for a credit report plan and causing me to have overdraft fees. Ive gone to the website and there is no way to contact them other than a phone number which I havent been able to because I work or am asleep when they are available. Its impossible to log into my account and cancel the service because it takes you to a screen that says you owe money and you cant do anything unless you pay it. It gives you absolutely no option or ability to cancel the subscription. The website is Experian.com
Product: Credit reporting or other personal consumer reports

I need to freeze my credit report because Ive noticed several unauthorized transactions listed on it. These transactions are not only unfamiliar to me, but they also suggest that my personal information may have been compromised. To prevent any further potential fraud or damage, I believe freezing my credit report is necessary to ensure no new accounts or credit activities can be opened in my name without my consent.
Product: Student loan

I attended XXXX XXXX and I have debit from them. I have a degree with them but it is no good and they conned me into going to this school and then closed. Now Navicat has nothing to work with me. I need forgiveness. Can someone call me to better explain XXXX
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

, Trans Union, XXXX, and XXXX have 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair credit act XXXX account # XXXX, XXXX, XXXX, has violated my rights. XXXX, XXXX XXXX, ARS 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting 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

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

On XX/XX/2023, two charges were made on our credit card, using a " XXXX '' machine. Both charges were in identical amounts of XXXX XXXX ( or {$4200.00} total ) to two businesses located in XXXX. On this date we were traveling from XXXX to XXXX, using rail service. We learned of the fraud charges after returning to the US and receiving the credit card monthly statement. We immediately reported the fraud to Barclays. The company initially responded by reversing the charges on XX/XX/XXXX. We told the company that we still possessed the credit cards, and they issued new replacement cards. Following their investigation, they reinstated the charges on XX/XX/XXXX. On XX/XX/XXXX, we received two contradictory letters from Barclays, one saying we were not responsible for the charges, and the other saying we were responsible. On XX/XX/XXXX, we mailed a letter to Barclays sitting out our position of why the charges were fraud and how our credit card was out of our view on separate occasions on XX/XX/XXXX. On XX/XX/XXXX, we received another letter from Barclays, confirming their decision that the charges were valid and we had a responsibility to pay. We still dispute this decision. We note that a " XXXX '' device is hand held, some small enough to fit in a pocket, and easily used for fraud. We received no impression from Barclays that they actually investigated the two companies located in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 9 accounts on the XXXX  App to have nine XXXX and would like them to be removed from my credit report. All accounts are closed and effecting my credit score negatively.