23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

DESPITE MY CONTINUOUS EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Reporting in XXXX XXXX. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX XXXX Account Number : XXXX XXXX5 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

Reporting in Experian 1. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX XXXX. Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

Reporting in XXXX 1. Under 15 USC 1692g. Validation of debts XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Debt collection

I have a consumer debt with XXXX XXXX card that was charged off and sold prior to me being able to pay off to JTM Capital Management LLC at that time it was reported to my credit as a negative item, I contacted JTM Management to handle the account at that time I was told it was going to ruin my credit and that I owed more than I did. I disputed the issue and was harassed for months regarding the debt finally I called again to handle the debt and was hung up on over and over again, I contacted a law firm that was pursuing a case of class action against JTM Management and was advised that they buy debt and have used tactics against the FDCPA. Now there is no contact information for JTM Management and when you call there # it goes to a different company. I have called the original creditor and was advised debt was sold they no longer have control of the bill I would like to have this item removed from my credit since there is no active company to pay or that is actively collecting on the debt. This account is affecting my credit and there is no way to resolve the bill.
Product: Mortgage

2010 I modified a mortgage loan. Caught up XXXX payments w/ American General. They lowered my interest rate XXXX. After I got divorced, XXXX again I wanted to modify my loan thinking I could get a lower interest rate catching up XXXX payments. I got my signature notarized at my local bank and sent XXXX now Springleaf ) papers. Thinking they XXXX again lowered my interest rate cause my payments were lower. They had taken away seven years of payments and put it back to 20 years. I told them it was n't right and I did n't realize they took away 7 years of payments at XXXX a month and I 'd sue them. The next month Springleaf sold my Mortgage to XXXX.
Product: Mortgage

Company : Mr. Cooper Issue : Cancellation of Private Mortgage Insurance ( PMI ) Complaint : I have been unable to cancel PMI due to the mortgage provider, Mr. Cooper, not ever ordering an appraisal of my property that I requested on XXXX XXXX, XXXX. Multiple representatives of Mr. Cooper 's PMI department have said that the process would take 7-10 days from when they processed the PMI cancellation request. Mr. Cooper confirmed that they had processed the request on XXXX XXXX, XXXX. Since that date I have called four times ( XXXX, XXXX, XXXX XXXX, XXXX ) to request a status about the appraisal 's completion. Each time a representative expressed surprise when informing me that the appraisal had not been ordered. One representative on XXXX XXXX, XXXX blamed the delay on the vendor. Another representative on XXXX XXXX, told me there is only one person that handles ordering appraisals for PMI removal in the PMI department. I will now have to pay two additional months of PMI ( and maybe more ) since it 's still not resolved. There is irony in a company who charges consumers late fees if they are late on their mortgage payment ( I 've never been by the way ), but yet my only recourse is to submit a complaint to that same company when I 've done everything right. I requested to be copied on the email submitted to the employee who is in charge of requesting appraisals with the vendor and was told that copying me on an email was not allowed under company policy, but I guess treating customers with disrespect and patronizing them is company policy. My recommendation to the trainers and managers in the PMI department would to empower folks to be problem solvers instead of administrative bots that just explain the PMI process over and over again. I 'm calling for a resolution, not a lesson on how PMI works. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX  account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Product: Debt collection

I owed XXXX XXXX XXXX XXXX a balance on my service I had with them because I canceled my service early. They turn the account over to a debt collection company which was XXXX XXXX, XXXX XXXX. They agreed to a settlement with me and I paid the full balance of the settlement. Three months later I received a notice of my credit report of a collection account on my credit report. it was from Sunrise Credit Service stating that I owe XXXX dollars on the same account from XXXX XXXX XXXX. I contacted Sunrise Credit Service and explained I had already settle and paid off the account and sent them a letter from XXXX XXXX stating that the account was paid off in full on XXXX/XXXX/2016. the company responded they refuse to acknowledge the fact I paid the account in full and they are still reporting this on my credit report. They are trying to get me to repay a debt that has already been paid. XXXX XXXX XXXX when I called them only refers me back to the debt collection company. I need CFPB to address as this is has had a detrimental effect on my credit rating and its inaccurate information.
Product: Mortgage

My mortgage loan was transferred Loancare about XXXX month ago. As result of the transfer my monthly payment went up by {$110.00} per month. Loancare made an error calculating my escrow deduction by double counting annual tax payments. I 've been trying to resolve this for XXXX month now. I 've called many times, escalated cases to both escrow and tax departments, was hung up on several times when asked for a supervisor. Finally got to a supervisor, and was promised a XXXX day resolution, that was XXXX days ago and still no result. Not sure what to do now, but definitely can not afford paying additional {$110.00} per month.
Product: Mortgage

Our current mortgage ( XXXX ) was sold to servicer, Nationstar. Nationstar sent us an inquiry as to a refinance. I called back and we began process of a refinance. Rate at 3.875 for 240 months, consolidating what we owed on house ( XXXX ) plus a 2nd ( XXXX ). Home appraisal was XXXX. Despite reaching out to lender numerous times, very little information was given, except to be finally be told that our 2016 tax returns indicated we could n't afford obligations. We have not even done our 2016 returns as we file extensions each year. My credit rating was XXXX and my husbands 's was XXXX. We have no automobile payments ( paid in full ), no late payments on any accounts, don credit card debt ( pay it off monthly ) and have XXXX sitting in our checking account alone and savings in other accounts as well. After contacting Nationstar about their lack of communication on how the loan process was going, I was given a non committal answer and then received a credit denial letter in mail 10 days later. Primary reasons according to letter were : Exessive obligations in relation to income. I have ZERO debt. NOTHING, excluding mortgage and I work full time. Reasons for denying my husband were that balance to limit on bank or rev accounts to high. He owes XXXX on one account. Nationstar then said we owed on another property and that was a problem. WE SOLD that property six months ago. I feel that Nationstar is operating only to grant loans to high risk/high interest rate customers-SUB PRIME. There is NO way we should have been denied this refinance based on our income and what we owed on property and credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX was sent a cashier check for XXXX for an escrowee account the contract was cancelled so the check was supposed to be returned and it was cashed at the Chase branch and voided and then sent back to me. So {$5000.00} was stolen by XXXX XXXX XXXX in which who has committed fraud against me and my account has been compromised
Product: Checking or savings account

I had account with Wells Fargo sense 2003, and I was trying to see if I was one of those who had overdraft fees and other things so my account was closed do to none activity which shouldnt have happened.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the documents needed and a letter from an advocacy under the provisions of the fair credit reporting act ( FCRA ) 15 usc 1681 and the fair act debt collection practices act ( FDCPA ) 15 usc 1692 I am writing this letter to XXXX account number XXXX balance in the amount of XXXX open XX/XX/year> I never had this debt collector for any debt, please provide proof from the original creditor that this debt collector that debt collector owns this debt and has the legal authority to collect it or delete this account has soon has possible
Product: Checking or savings account

I am filling a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

THIS ACCOUNT WAS OPENED IN XXXX THE ORIGINAL CREDITOR WAS XXXX XXXX CREDIT CARD. THIS FACTORING COMPANY-PORTFOLIO RECOVERY BOUGHT MY DEBT FOR A XXXX AND INDICATED THAT THE ACCOUNT WAS OPENED IN XXXX THEY FALSELY INDICATED THAT THE ACCOUNT WAS OPENED AND THE REMOVAL OF THE WRONG YEAR FOR XXXX. ACCORDING TO WHAT I READ THE CREDIT REPORTS MUST DELETE OR UPDATE THE CORRECTED INFORMATION. I HAVE BEEN CONSISTENTLY ON THE COMPANY AND THE CREDIT REPORT TO CORRECT THE ERROR. 

AT THIS POINT I AM REQUESTING THE PORTFOLIO RECOVERY DELETE ALL ACCOUNTS FOR INACCURATE INFORMATION AFTER DISPUTING WITH THEM FOR 4 YEARS!!!!!!
Product: Money transfer, virtual currency, or money service

My Chime card was compromised and hacked through a third-party system on XX/XX/XXXX at XXXX XXXX, with charges continuing until XXXX XXXX completely wiping out my account from {$1400.00} to {$29.00}. I called Chime that morning when I woke up and saw my account had been wiped out. The Chime dispute representative told me I couldn't file a dispute until the transaction posted on my account the next day, XX/XX/XXXX. I called and filed a dispute. The dispute agent understood the situation and saw that the times, dates, and merchants didn't add up. 

The first charge was from XXXX, based in XXXX, while I am in Florida. Then, there were numerous charges in countries I don't even know. XXXX, a third-party system, hacked my Chime card and charged me {$270.00} XXXX times consecutively by different merchants. These merchants had different locations and names, with some charging me twice, like XXXX, which claims to be in XXXX, XXXX place I've never heard of. Another charge was from a merchant called XXXX XXXX XXXX, also located in XXXX, XXXX, for {$270.00}. I've never been to these places or heard of these merchants, yet I'm being charged consecutively with matching times. 

I am disputing these unauthorized charges as they are clearly fraudulent transactions made through a third-party system. The transactions show consecutive times, different locations, and multiple repeat transactions for the same amount by different merchants. This is clearly fraud on my account, and I am reporting it. I request a thorough investigation and a refund, as my first dispute was denied within XXXX hours, indicating no proper investigation was conducted.
Product: Debt collection

Someone open this account in my name, not my account the company found out this account was a fraud they have not removed it from my credit.
Product: Credit reporting or other personal consumer reports

I have tried already multiple times to remind XXXX XXXX the Covid Law in place but they still refuse to remove the late payments, while other credit companies have. 

XXXX XXXX Account Number : # XXXX opened on XX/XX/XXXX Dates in need of correction, XX/XX/XXXX, XX/XX/XXXX ( 30 Days Late ). 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Debt collection

When they call, they refuse to state who they are or where they are calling from. Every time they call, its a different collections agency, XXXX? I can't keep up. Ifirst spoke with them on XX/XX/XXXX. At that time I advised them that this is not my debt, I have no eob to go with it, and XXXX went bankrupt anyway. I informed them that this needs to be validated. They stated they would do so and let me know. By XX/XX/XXXX I still had not heard anything from them so I went ahead and disputed the debt without validation. XX/XX/XXXX was the first time I had heard from them in any form. At that time I advised her of the above, before I could ask that they cease contacting me, the employee ended the conversation. On XX/XX/XXXX they called again and the same conversation ensued. Despite repeated requests they refuse to validate and dispute but continue to harass me. Then today XX/XX/XXXX they called me at XXXX claiming that this kind of behavior is perfectly legal. I blocked them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is on my report never used that name nor do I know anyone with that name not me. Accounts have gotten removed from XXXX reporting agency but is still listed on there with other agencies have been removed because wasn't my account. XXXX is on in collections for XXXX and should have a XXXX balance because the car was given back and sold by drivetime.my fico score should be way better than it is I'd the information was correct. My name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these fraudulent accounts from my credit report as they do not belong to me and I have no knowledge of them. As per the provisions of USC 1681g, I request that you remove them from my report within 15 days. I have attached the necessary documents for your reference.
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 XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

I have a checking account with Bank of America. I keep it low. I recently received my security deposit ( to me and my fiance name ) and deposited on my account. The next day, the check was fully deposited on my checking so I made two payments ( XX/XX/XXXX ) from my credit cards of {$350.00} each. The next day, the check is cancelled because it is at both names and the account only my name ( we don't have joined account ), without any notice to me and then the two payments makes my account under {$0.00} so I get a notification of being charged two times {$35.00} by BoA ( and also {$35.00} by the two credit cards for returned payment ). 
I am not happy with BoA since 1 ) they didn't tell me anything about the check being cancelled ( I got a mail on XX/XX/XXXX ) and 2 ) they confimed the deposit and then cancelled it.
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 account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, the XXXX XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX. 

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 crime which antedate 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 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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX 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, credit repair services, or other personal consumer reports

I have a XXXX XXXX  XXXX # XXXX reporting on my consumer report on Transunion. I XXXX XXXX have never filed for bankruptcy in my life. I called the US bankruptcy court where TransUnion claimed the received this information. The US Bankruptcy Court sent me a written letter stating 'They do not provide or verify any information to any credit bureaus or agencies '!!! including TRANSUNION. 

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Student loan

Nelnet displays on its website a payment due date does not align with the Federal Student Aid.gov payment due date. Nelnet and my federal student dashboard consistently display information in different ways and sometimes display slightly different information. The two systems are not synced up enough to handle the various deferments/injunctions/pauses of the federal student loan program. Displaying accurate payment information seems like a basic requirement for a student loan servicer, yet the Nelnet website does not appear to display accurate information, provides no additional useful information from the FSA site, and doesn't provide the information a borrower needs to verify interest calculations or deferment statuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is not supposed to charge interest, make collections and report to credit reporting agencies any information that jeopardize the student credit. Now Navient is reporting installment behind and pending to XXXX. This situation lower my credit score in a discriminating action for being XXXX. 

They did not do this before and now to add pressure for payment under the new federal government request, they are forcing students to pay by reporting students to credit reporting agencies.