23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently in a pandemic forbearance plan with Mr. Cooper that will end XX/XX/XXXX and would like to defer the past due balance to the end of the loan. I spoke to a member from the military families teams at Mr. Cooper a few times over the past few weeks to get this set up but was told that I am not eligible for either a loan modification or a deferral, and that I would need to pay the full balance due by XX/XX/XXXX. 

I was told that the loan modification was not possible because I previously had XXXX modifications on my loan. I would like to know the dates of the XXXX modifications Mr. Cooper believes occurred on this loan. 

Additionally, if there are XXXX modifications and this eliminates loan modifications as a possible option on Fannie Mae backed loans, XXXX very upset that Mr. Cooper neglected to share that information in the Forbearance Plan acceptance letter dated XXXX XX/XX/XXXX that was sent to me listing that a loan modification might be a possible option. While Mr. Cooper did not guarantee it would be an option, they also withheld the information they already had about my loan which would have shown it was never an option and most certainly would have changed my decision. This was a very unfair representation of the possibilities and a deceptive practice that has now put my family 's home at risk of foreclosure. 

I was also informed that the deferral of the past due balance was likewise not possible as the forbearance plan I am currently in is not pandemic related. I was shocked to hear this as I had to answer the covid 19 questions to request not only the initial forbearance, but every single extension since then. Additionally, every document sent to me from Mr. Cooper pertaining to the forbearance clearly states, Pandemic Forbearance Plan. While speaking with the representative from Mr. Cooper, he told me that his system showed that I was in the current forbearance plan since early XXXX. This isnt even possible since I was completing a loan modification in XXXX of XXXX and received my last mortgage statement before entering the current pandemic forbearance plan on XXXX XX/XX/XXXX. I sent Mr. Cooper the XXXX mortgage statement, pandemic forbearance acceptance letter, and the subsequent extension letters to show them everything they had sent me and what it said. 

I also sent Mr. Cooper a copy of my payment history showing the payments I have made since XX/XX/XXXX, which equal or exceed the amount of my month mortgage payment due and should clearly demonstrate my ability to make the mortgage payments going forward. I am not asking to get away from any debt that I owe. I simply request that the past due balance be deferred as was offered as a possible solution throughout the pandemic forbearance plan they offered me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}.
Product: Student loan

I have two types of loans : federal direct subsidized and federal direct un-subsidized. I have worked as a XXXX  for a PSLF-qualifying employer since XX/XX/XXXX. I submitted by PSLF employment certification form in XX/XX/XXXX, and my loans were transferred thereafter to XXXX. Since the transfer I have had nothing but horrendous problems with XXXX. 
In XX/XX/XXXX I received my PSLF certification from XXXX and it stated that I had made 18 qualifying payments since starting my work in XX/XX/XXXX ( accurate ), but those payments were only being applied to my subsidized loan and not my un-subsidized loan ( which is considerably larger ), even though I had been making monthly payments which were applied to both of those loans. I followed up with XXXX and was told that they would submit my loans for review, and that the review should take approximately 60 days. 
XX/XX/XXXX, I called XXXX about a different issue, and as part of that conversation I was told that the qualifying payments should be updated but that it is still under review. 
On XX/XX/XXXX, I called XXXX again and was told that someone is working on the qualifying payments issue. 
By XX/XX/XXXX I was preparing to submit my re-certification and I still had not heard anything about my qualifying payments. I prepared my certification form and submitted. On XX/XX/XXXX I called XXXX again and was told that the review of my loans and the qualifying payments would be expedited. 
On XX/XX/XXXX I received my bill for my upcoming XX/XX/XXXX payment, and the bill lists the number of qualifying payments I have made to PSLF : it lists 25 payments towards the subsidized loan ( accurate ) and only 5 payments to the un-subsidized loans. I immediately called XXXX and spoke with two people before finally getting the supervisor. She said that there was no way to expedite further when it had already been expedited and that I just have to wait. 

Both loans are federal direct loans. Both loans are qualifying loans. My government position is a qualifying position. I have been on a qualifying repayment plan since I started work at my government position. I have been making complete, on-time payments since my loans were disbursed following law school. I am furious at the complete and utter incompetence I have experienced with XXXX and, frankly, wish my loans could be monitored by my prior servicer ( XXXX ) because I always had good experiences with them. 

I am applying for a mortgage and I want to be able to show my mortgage broker the PSLF payment certification and there is nothing MyFedLoan will do for me.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX A XXXX XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account n ot a Student Loan Education  Account, and they are not showing as current. I have been making automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as "  Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.      The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with  XXXX   XXXX  and their answers ar e : " Sorry, We  ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Inquiries : XXXX  card and XXXX card. These accounts have resulted in several fraudulent hard inquiries on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I had a mortgage with XXXX XXXX on my previous property of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NH XXXX dating back to XX/XX/XXXX. In XXXXXXXX XXXX XXXXXXXX, I contacted them and got approved for a 3-month forbearance for XXXX and XX/XX/XXXX. 
I received a letter on XX/XX/XXXX confirming Im in a Covid19 forbearance plan and no action is required at this time. 
On XX/XX/XXXX I was notified that my forbearance was approved for an additional 3 months ( letter attached ). 
I was able to return to work in XXXX which you will verify as part of my mortgage application and once I was working I called in on XX/XX/XXXX to let them know I was now working and would be able to start making payments. Apparently that phone call triggered the person on the other line to click on a box on his screen and he took my loan out of forbearance without informing me ( this is info that was provided in subsequent phone calls to XXXX XXXX  after the 90-day late was reported and I questioned it ). During the XX/XX/XXXX phone call, I was told I could either let the amount in forbearance be added to my loan balance or pay it all at once. I chose to make a large payment of {$3300.00} on XX/XX/XXXX which paid for XXXX XXXX and XXXX. These amounts were not past due as they were part of a forbearance plan. I also made a full payment that day to pay for the month of XXXX. 
The XXXX XXXX mortgage statement dated XXXX shows all transactions described in the paragraph above and also shows the XXXX mortgage payment as paid on XX/XX/XXXX yet the credit report states a 90-day late payment in XXXX. 
The XXXX XXXX  mortgage statement dated XXXX shows that if the total due is paid after XX/XX/XXXX then there will be a late charge. You can see on this statement that there are no late charges and that is because the loan was in forebearance. 
Attempts to resolve this with XXXX XXXX  have been unsuccessful.
Product: Debt collection

Contacted a family member and discussed private information. Further, upon questioning, provided a reason of " you must have called us from that number before ''. This is 1. A privacy violation and 2. Not a valid reason even if the latter statement is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Congressional law I was granted by them to request the documentation associated with this account. I am requesting for the wet ink contract that I singed with Child Support.
Product: Credit card

I signed up for {$200.00} cash back I completed all requirements Capital one doesnt want to honor the promo and are providing am type of excuses not to issue the promo I did not receive a bonus previously
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. 

Account name : XXXX XXXX or XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX or XXXX XXXX # XXXX, Account name : 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 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, credit repair services, or other personal consumer reports

Credit reporting agencies not providing a updated credit report with update scores. Not deleting negatives wordings, and collections after Bankruptcy XXXX XXXX, Texas Federal Judge Discharged bankruptcy XXXX on XXXX XXXX,2016. This is a major Retaliation and Discrimination against me as a XXXX Military Veteran. There is many errors on my credit reports.
Product: Mortgage

While XXXX on military duty. Quicken Loans reported we did not pay our mortgage. This is not true. We proved the auto payment was made. We have disputed over and over. Finally we gave up and in exchange for an agreement by Quicken Loans representatives to remove the 30 day reporting we paid again. After one month negative info returned. We paid another additional payment and again the incorrect information returned. What s so frustrating is even if this was true we missed one payment. But it 's reported as 30 days every month we were disputing. So instead of XXXX 30 day late we have XXXX even though every month there was a payment received. It 's immoral that any organization can be completely unregulated with unlimited power to destroy lives. Lies over and over. Our lives destroyed. 30 years of faithful service to this nation. We have no rights. We want this information removed now. I 've filed a congressional. We will never stop fighting these despicable horrible people. When we allow banks the power to destroy soldiers while out the country we prove what kind of people we really are. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, Consumer Financial Protection Bureau, My identity was stolen and since XX/XX/23 someone has used my social, name, and address to acquire lines of credit in my name. I froze my credit with all three bureaus on XX/XX/23, and the identity thief called Transunion XX/XX/23 and passed their verification without a pin number and got my credit unfrozen. Their verification process often only asks for XXXX and a current address which an identity thief would already have. The person then took out a {$58000.00} auto loan and drove a car off the lot in my name on XX/XX/23. 

I have filed a police report about the incident with XXXX XXXX Police Department and re-froze my credit. 

The loan would have not gone through had Transunion asked for the pin and not allowed the person to unfreeze my credit. I live alone and I have not shared my pin with anyone, so it is impossible for anyone else to have it. Transunion asks basic questions that are on a credit report to verify someone then unfreeze accounts which is dangerous. 

Please investigate.
Product: Checking or savings account

I closed my account with Bank of America back in XX/XX/XXXX. I had a refund for {$420.00} sent to this closed account from XXXX in XXXX of XXXX. Bank of America will not give me my refund or return any of my calls. I have filed a complaint with the XXXX  which they still never fixed the issue. They said they called or mailed me a letter, neither of which are true. They say money can not be sent to a closed account but XXXX was successfully able to send it to them and even provided me with the money tracking number from their bank to the receiving bank. They refuse to cooperate. I know that they received the money and are just refusing to give me what is MY money. I will happily provide more information for this when contacted.
Product: Debt collection

Medical revenue collection service call my Job at XXXX. Told me about the debt for a medical bill for XXXX XXXX in the amount of {$600.00}. i kindly let him know that i could not pay it, he told me I have no choice but to commit to pay {$75.00}. They not accepting i can not pay. I do not have money and I do not like the fact he tell me I have to pay for something when I do not have the money. I won't them to leave me alone.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report.

XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX opened XX/XX/XXXX with a balance {$0.00} XXXX  XXXX XXXX  XXXX opened XX/XX/XXXX with a balance {$590.00} XXXX  XXXX  XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ), ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Debt collection

The company called me 5 times today from the following numbers and times : XXXX, called at following times : XXXX XXXX XXXX XXXX, called at following times : XXXX XXXX, spoke with rep on this call who confirmed RevNow just obtained debt, is owners by XXXX. Woman was extremely condescending and threatened legal action.

Aside from calling me so many times, and one call right after another, her threats were stressful and her tone condescending.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to pay KeyBank in my member portal for {$290.00}. When I submitted the information to their system. An error message came up that says wait 5 minutes and try again. So I stayed on the site and tried to make the payment after the wait when I went to make the payment this time. I entered {$300.00}, and the same thing happen. The system told me to wait five minutes and try again. On the third attempt, I waited a little more than 5 minutes and tried to make a payment for {$300.00}. The same thing happened for the third time. 
On XX/XX/XXXXh, I got three emails saying thank you for your payment for three separate payments. So I immediately contacted the Lender on Monday and explain what had happened and what the message said. The lady on the phone said that they would refund the money and could not explain why it gave that error but could see three separate payments.

On the 21st, my bank charged me an overdraft fee, so I contacted the bank again and said I don't have the money back in my account, and now I have a fee. The person on the phone said we are giving you the money back, but we won't pay the fee. These people are liars, and the issue was within their system, not from me overdrawing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating 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 your offices provide me with competent evidence that I have any legal obligation to pay you. 
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 may 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 you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall 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 any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Checking or savings account

I would like to delete the following accounts as soon as possible because they do not belong to me. THERE ARE ON XXXX, TRANSUNION AND XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX
Product: Debt collection

Hello : Ive sent multiple letters to Caine Weiner requesting validation of this debt from early XXXX to XX/XX/XXXX. I have not received any information validating the debt at all.