23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filing a complaint against the mortgage lender Mr. Cooper. My former spouse filed for bankruptcy and debt was discharged. Mr. Cooper continues to add additional legal fees to the mortgage on the home that I alone own. When I call, wait times are often in excess of 30 minutes, they have hung up 5 times today. They do not accept messages. Mr. Cooper refuses to answer questions and when I ask for an itemized review of all legal fees they refuse to provide this. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I emailed my requests. They assured me a response within 14 days. Federal bankruptcy judge instructed lenders attorney to have fees waived, Mr. Cooper has ignored this instruction. I can not even communicate with my lender. I pay my mortgage on time. Please help me. Attached is my written request ( my contact information is at the end ) : Dear Mr. Cooper Research Department : My name is XXXX XXXX ; I am borrower two on Loan Number XXXX located in zip code XXXX. 

I am contacting you to request the following information/documents : 1. An itemized listing/accounting of ALL corporate advance fees assessed to my loan beginning at the time that my ex-husband and borrower one, XXXX XXXX XXXX XXXX XXXX, filed for bankruptcy. 
2. Mortgage interest statement for XXXX XXXX. Mortgage interest statement for XXXX 4. Mortgage interest statement for XXXX Regarding item 1., I need the date and detailed information about what each fee was specifically for, when it was billed, when it was due, when it was paid by myself, and/or if it is still outstanding as I have personally made all mortgage payments since Borrower Ones bankruptcy filing. 

I am particularly concerned as I attended the hearing on XXXX Case XXXX held on XX/XX/XXXX. US Bankruptcy XXXX XXXX granted the motion for relief from stay and co-debtor stay AND provided clear direction to Mr. Coopers counsel, XXXX XXXX XXXX, that all related legal fees should be classified as non-recoverable and any fees paid should be credited to my loan. 

I have not seen evidence on the monthly Informational Statements reflecting any credit of corporate advance fees. Hence, I am specifically looking for that information so that I can provide it to the Court per XXXX XXXX request. 

My understanding is that the bankruptcy was discharged on XX/XX/XXXX. I attempted to access my account online assuming that I am now finally entitled to the full array of customer service from Mr. Cooper that my on-time payments should provide for at this time. However, I was advised by two representatives that I am still enduring unjust consequences related to my ex husbands behaviors. Further, I was also informed of an additional fee of an additional Proof-of-Claim fee of {$130.00} assessed to my loan on XX/XX/XXXX. I am most unhappy about Mr. Coopers continued penalization. 

Kindly, forward evidence of all accountings to corporate advance fees as soon as possible. I thank you in advance for your customer service. 

With my advance gratitude, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute to have the current status updated on my U.S.DEPT OF EDUCATION LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States Dept of Education. US DEPT OF ED/XXXX/XXXX # XXXX, U S DEPT OF EDXXXX # XXXX, U S DEPT OF EDXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested in previous letters to Equifax, to have Public Records Information re-investigated pursuant to the Fair Credit Reporting Act. In their response they claim that this information was in fact confirmed as mine with a third-party Data Furnisher called XXXX in XXXX of 2019.I have informed them and provided proof that they could not have verified these items with XXXX as I have a letter from them stating that there has been a Security Freeze on it since XXXX of 2019. It is impossible for them to have verified any information with this Data Furnisher and my Consumer Rights have been Violated by their inaction to correct this matter by deleting this inaccurate information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the following : 15 U.S.C. 1692 ( G ) Section 809 ( B ) 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) 15 U.S.C. 1666b 15 U.S.C. 1681 Section 602 15 U.S.C. 1681a ( 2 ) ( a ) ( 1 ) 15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681 ( b ) ( e ) 15 U.S.C. 1681 ( b ) 15 U.S.C. 1692 ( f ) 15 U.S.C. 1681n 5 U.S.C. 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A.

Violation of HIPPA Defamation of Character. 
Experian, XXXX and XXXX reporting inaccurate information on same accounts. I have disputed several times, I have called multiple times, I have uploaded documentation to some accounts, I have written disputes of inaccuracies. This has caused denial of loans for my business and personal accounts. All disputes have been recorded on websites. I have also received preapproved credit cards and then denied from credit bureaus as well. 
Reporting a debt as charged off, when it was settled or paid. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Inaccurate statement of balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADP 's Background Check form submission does not work. It returns raw PHP code. 

XXXX XXXX XXXX Attempted to call the number but waited for an extended period without anyone picking up.
Product: Mortgage

Dear Sir or Madam, I paid in full my first deed of trust loan with Mr. Cooper ( Nationstar Mortgage ) on or about XX/XX/2018 via wire transfer. The Mr. Cooper loan number was XXXX. This deed of trust was recorded against my property located at XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, CA XXXX. 
Even though ( 1 ) Mr. Cooper unilaterally required me to wire transfer the final pay-off funds at an additional cost to me of {$40.00} as charged by XXXX XXXX XXXX, XXXX, and ( 2 ) pursuant to the terms of my promissory note and deed of trust, there was no requirement obligating me to wire the final payment, Mr. Cooper has failed to provide me with the original of my promissory note as required by law and as formally requested by me via telephone calls on no less than four separate occasions including a conversation with Ms. XXXX of Mr. Cooper on XX/XX/2018 at XXXX XXXX   PST. Each time I have expressly requested the return of my original promissory note and I have been assured by the Mr. Cooper customer service representative that the " promissory note is in the mail ''. As Mr. Cooper continues to deceive me by telling me that the promissory note has been sent, it is clear that they have no intention of returning the promissory note to me as required by law and I am quite concerned that they may attempt to sell the note or to claim that it has not been paid off. As a result, I am requesting the assistance of the CFPB to require Mr. Cooper to return the original of my promissory note as required by law since Mr. Cooper continues to deceive and abuse its borrowers.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

2 disputes on XXXX about 2 account that were opened fraudulently and they say I still owe when I did NOT open or use those accounts. I have disputed this 3-4 times and they say I still owe and I DO NOT owe anything to these people. The dates last disputed were XXXX and they resolved the issue on their end on XX/XX/XXXX or XX/XX/XXXX. I want this off my credit report because my information was stolen and used to open these accounts.
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. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX
Product: Debt collection

I contacted this company numerous times to try and understand the debt. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous, I have been having medical issues and not being able to know and/o understand this debt is not helping me.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the repeated failures in opening my accounts with XXXX Credit Bureaus. Despite numerous attempts, it is disheartening to inform you that the issue of delayed account activation has not been resolved. 

I initially applied to open accounts with Credit Bureaus. This was an important step for my financial and business needs. 

After completing the required documentation and following all the procedures outlined by your team, I expected my accounts to be activated within a reasonable timeframe. 

However, despite your assurances, my accounts remained inactive well beyond the promised activation date, causing significant inconvenience and disruption to my financial affairs. 

Frustrated by the delay, I filed my first complaint regarding the late opening of my accounts. I was assured that the issue would be investigated and resolved promptly. 

Despite my initial complaint, I received no communication or updates regarding the status of my accounts. There was no improvement in their activation. 

Subsequently, I made several follow-up inquiries to your customer service department, seeking information about the status of my accounts. Each time, I was met with vague responses and no concrete action taken to resolve the issue. 

After the lack of progress and numerous attempts to rectify the situation, I filed a second complaint. At this point, I had already faced considerable financial losses and substantial inconvenience due to the unavailability of my accounts. 

Once again, I received assurances that my accounts would be opened promptly, but to my dismay, the issue remains unresolved as of today. 

This ongoing delay in opening my accounts has caused me immense frustration and financial hardship. I am deeply disappointed by the lack of attention and resolution from your end despite my continuous efforts to seek assistance. 

I urgently request that you take immediate and concrete actions to rectify this situation. I expect a swift resolution to the issue, including the activation of my accounts and access to all associated services within the exact timeframe. Furthermore, I insist on receiving regular updates regarding the progress of this matter to ensure transparency and accountability. 

If my accounts are not activated and accessible within the specified timeframe, I will have no choice but to escalate this matter further, including reporting it to relevant regulatory authorities and seeking legal remedies to protect my rights as a customer. I trust that such actions can be avoided, and I hope for a timely and amicable resolution. I am asking for your assistance to correct the following late open accounts immediately from my credit report : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Balance : {$15.00}.
Product: Debt collection

I noticed an unfamiliar Medical Debt on all three of my Credit report. On XX/XX/2021, I contacted the Collection Company and requested them to validate their claim. This was done by Certified US mail with a Return Receipt. The Return Receipt Indicated that the company received my written request on XX/XX/2021. 

The Collection Company has failed to validate the alleged debt at my request, although I have waited for over 30 days. 

As of making this report, my Credit files still shows these erroneous reports in violation of several of my consumer rights.
Product: Credit card or prepaid card

Bank of America closed my credit card account with perfect on time payment history on XX/XX/XXXX without notice. I understand that banks can close any account for any reason, however, when I called to inquire about it, they told me it was a secret and I had to wait for a letter. When the letter arrived, it said it was due to my credit report. Which, normally I would understand, except that my report had not changed since the account 's inception ( I still have XXXX % on time payments on every credit account I've ever had ). So I made an appointment at my local Bank of America branch to discuss it. They told me they have nothing to do with credit accounts, only checking/savings accounts and told me to call the XXXX number. Multiple calls lead to no valid explanation and lies. All reps said they can not see any details to discuss it with me. One Bank of America rep said even though he didn't know why it was closed, he could request my account be reopened, after a few seconds, he told me that my account could not be reopened because the " terms of my old account were no longer available '' which turned out to be a lie, as I received a letter a few days after the call saying my account couldn't be reopened because I recently had an account revoked from Bank of America : well yeah, that's the account in question.
Product: Credit card or prepaid card

I opened a card with Capital One in XX/XX/2018. Everything was fine until I tried to make my first payment. I added my payment information as usual and everything was correct at that time. About 6 days later, the payment was charged back to my account and I got an email saying that the account with [ not my bank ] was no longer able to be associated with the card. 

Then I got a letter from the fraud department that they thought my card was opened by an identity thief, so I called them. They informed me that they would need to verify my ownership of an account that ISN'T MINE that I told them isn't mine. They refused to unlock the card until I could prove such ownership. 

Left with no other option, because obviously I can't prove ownership of an account that isn't mine, I closed the account. Ironically, they let me close the account without proof of ownership.
Product: Debt collection

Repeated calls while Im at work I have already spoken to the loan company and told them when I get paid and they have called 8 times in 3 days. The company is Heights finance in XXXX Illinois. From XXXX to XXXX I have received XXXX phone calls on a dept I am not in default.
Product: Debt collection

Attached are the cease and desist letters, certified mail receipts, and USPS tracking which shows XXXX XXXX XXXX has received our request to remove our address from this debt and that it is not ours. In the most recent complaint response, the firm still did not indicate that the matter was dismissed nor that collection activities would stop as demanded in our multiple cease and desist to XXXX XXXX XXXX. It is clear they are not communicating to XXXX XXXX XXXX, or XXXX XXXX XXXX did not provide them these letters as demanded. 

Gordon, Aylworth, & Tami PC have threatened and opened lawsuits for a persons debt that does not belong to us. On XX/XX/2024 we rejected a summons which we can only assume is a lawsuit. The debt for XXXX XXXX XXXX is not ours, not tied to either my social nor my husbands. Weve informed their debt collection agency, XXXX XXXX XXXX, of this over certified mail multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to fix incorrect information on my credit report with Experian. XXXX  and XXXX  are reporting solid information. I have a score of XXXX and XXXX respectively with them. Experian on the other hand has been always in the low 600 's. I was just denied for a credit card with XXXX because of them. They are frauds!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This complaint is in regard to a letter I received on XX/XX/XXXX from CareCredit/Synchrony Bank that they decided to close my account to my surprise. After reading the letter I noted a few details that were very vague and some incorrect statements. I tried for 4 days to get a customer representative on the phone although navigating their phone tree is nearly impossible many times ending in a dead end or back to the place I started. I was able to speak to a representative on XX/XX/XXXX and asked for further details on why my account was closed as the reasons listed were either incorrect or vague. The representative stated she could not provide me with any information regarding the letter I received as she didnt have access to it and there was no one she could refer me to for answers. This was very disappointing as this has had a negative impact on my credit score and Ive been working very hard to bring it back up past 700. This unfair business practice has negatively affected my financial future and set me back. In the attachment to this complaint pages 1 & 2 is the letter I received, and the following pages are evidence that some of the information in the letter is incorrect. I would like this account removed in addition to the comment made in my report from synchrony bank removed also. 
The reasons they have listed why they closed my account are as follows : 1 ) Lack of real estate secured loan I own my home never had to take a loan out to buy it so this reason should be invalid.

2 ) Balances on bank cards are too high this is the only card I have a balance on and was about to pay it off just as I did last XXXX so their reference to cards is incorrect. 
3 ) To few accounts paid as agree the last time a late payment was applied to my credit score was XXXX, so 6 years ago when I was unemployed, and all those accounts was paid off by XXXX. 
In the last paragraph it states, the credit score may differ from the score you may obtain from a consumer reporting agency. One the next page they state my credit score was XXXX on XX/XX/XXXX. Then in the last paragraph they state, while the date of the credit score may not be recent, your score has likely not changed significantly since this date. Then tell me to reference XXXX for my credit score. This is all incorrect as evidenced in the remaining pages of my attachment. On XX/XX/XXXX I checked my score on XXXX, it was XXXX, and according to the graph it has been in the XXXX since XXXX, nowhere near the XXXX they stated it was on XX/XX/XXXX in the letter. 
On the next page it lists my payment history as excellent, no derogatory remarks excellent, and total accounts excellent. The last two pages show my payment history with synchrony bank and there are no late payments as you can see. 

So, I believe this decision to close my account was unfair as synchrony bank used incorrect data and general nonspecific statements to make their decision. This has negatively impacted my financial future.
Product: Credit card

I purchased what I thought were XXXX XXXX XXXX XXXX cards from an XXXX seller on XX/XX/year>. Upon receiving the package ( XX/XX/year> ) I opened the box and verified that they were in fact " Unlimited '' edition XXXX XXXX cards. This is vital, as the market value of unlimited edition XXXX  cards are significantly cheaper ( 75 % ), easier to obtain, and are not a true collector item as advertised. When purchasing the item, I specifically looked for " XXXX XXXX '' cards as they are significantly more valuable, hold value over time, and are the only cards that are true XXXX prints that will maintain value. This was purchased as a gift for my XXXX  son, as I wanted him to have collectible cards in the future that would also hold some value. Upon contacting the seller on XX/XX/year>, the seller lashed out at me, calling me names, acting like a child, and absolutely refusing to accept a return for the product even though they knew they were not XXXX edition cards as advertised. After that conversation, I simply only had the option to put in a dispute with my CC company ( Discover ). Upon my initial dispute, the case was found to be " in my favor. '' I even contacted Discover to verify, and they assured me the transaction would be reversed and credited ( which did happen ). Suddenly, out of the blue ( probably a week or so ago, XX/XX/year> ) I got a message saying XXXX verified the transaction and sale, and they re-posted the expense to my card. I contacted Discover multiple times and tried to explain the difference of " XXXX XXXX '' XXXX cards vs. " Unlimited '' XXXX  cards and they didn't seem to understand. I also very clearly put in my claim as " false advertisement, inaccurate posting description '' for my dispute. The cards received ( attachments below ) are clearly non XXXX edition XXXX XXXX cards, and now as of XX/XX/year> @ XXXX XXXX  MST Discover is just ignoring all of my messages in the customer service portal. I was trying to contact a dispute resolution manager to get this case resolved, as out of principle I'm not paying for something that was incorrectly advertised and sold. It was a lie, plain and simple. If you also look at XXXX  posts, it looks like Discover habitually handles disputes in this manner, which is just disheartening. I've had a perfect payment history with Discover, have a low card balance ( currently, just the XXXX XXXX cards that are being disputed ), and I've always worked well with them until this point. This has been the XXXX dispute I've ever put in with Discover.