23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 separate collection companies attempting to collect on behalf of the same creditor on my credit report. I have attempting to dispute this debt multiple times with the original creditor, prior to the collections phase unsuccessfully as the information is not correct. I have also tried to dispute with the 1st agency that reported a collections record under my name as well as the second agency. Regardless of the fact that the debt information that is being reported is inaccurate. I know that it : duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. I am unable to get help from either the original creditor, the debt collection agencies or the 3 major credit reporting agencies to which I have submitted multiple disputes. Please help me, as each agency has continuously made monthly reporting updates and balance increases. This is illegal collection activity. 

XXXX XXXX - This one was reported first. Both are on behalf of XXXX XXXX XXXX Other Loan Past due : {$5400.00} Collection/ Chargeoff Other Loan LTD FINC SVC Past due : {$3800.00} Collection/ Chargeoff
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a reinvestigation dispute request to Experian about a negative account on my credit report. By the name of XXXX XXXX with the account number shown as being XXXX. And Experian did not do a proper reinvestigation on my behalf. Because the account was not marked a being disputed and the inconsistent information that I did dispute still appears on my credit report. The date last active that is being reported under this account violates and go against Metro 2 Compliance Standards. As you can see by looking at my credit report. Experian has reported XX/XX/XXXX and on my XXXX credit report it shows a date of XX/XX/XXXX. So how can both credit reporting agencies be correct? When all of the information listed on my credit reports suppose to be accurate, complete and verifiable across all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and legally binding demand for the immediate correction of Metro 2 and FCRA violations found within my credit report. The flagrant inaccuracies in your reporting constitute a gross disregard for the Fair Credit Reporting Act ( FCRA ), and I require these items to be addressed immediately. Failure to act will result in escalated legal action, formal complaints to regulatory bodies, and demands for financial restitution due to the damage caused to my creditworthiness. 
XXXX. XXXX XXXX Credit Card ( Account # XXXX ) Violation : Contradictory Payment Status. The account comment states it is a " current account '' while also reflecting a 30-day delinquency, which is misleading and damages my reputation. 
Violation : Inconsistent Last Activity Date, failing to align across all bureaus. 
Demanded Action : Remove the incorrect delinquency status and update the last activity date uniformly. Non-compliance will trigger further legal action and complaints to federal regulators. 
2. XXXX Charge Account ( Account # XXXX ) Violation : Misleading Account Closure Comment, falsely implying delinquency-related closure without clarification. 
Violation : Inconsistent Late Payment History, with contradictory delinquency records lacking proper documentation. 
Demanded Action : Immediately correct the closure comment to reflect accurate information, remove any unsupported late payments, and provide written verification of corrections. Continued non-compliance will not be tolerated and will lead to legal proceedings. 
3. XXXX XXXX Credit Card ( Account # XXXX ) Violation : Erroneous Late Payment Entries, including multiple unsupported 30-, 60-, and 90-day delinquencies. 
Violation : Account Closure Comment Misrepresentation, implying that the account was closed solely due to consumer fault.

Demanded Action : Remove all baseless late payment entries and correct the account closure comments to accurately reflect the accounts status. Legal action will ensue if these items are not addressed immediately.
Product: Mortgage

I am filing a complaint against freedom mortgage again for other issues I am having with them I made my XXXX mortgage payment by Internet on XX/XX/XXXX I had two other debits to freedom mortgage they were made not by me debited to my mortgage account I have bank statements showing that the initial debit and XX/XX/XXXX went through and how Freedom mortgage tried debiting my account two other times causing me overdraft fees and other charges. Freedom mortgage returned the money but then charged me a {$20.00} fee for their actions can you please help me with this company they tried stealing for me now theyre charging me money that I do not owe this is all due to me telling them that Im refinancing with another company Ive made Payments on time to this company ever since they bought my mortgage I am in fear that they are going to attempt to tarnish my good credit I reached out to them nobody is on the same page everybody gives me different answers I would like my money back I will be sending them an invoice for all error and finances do to them. And I am not paying any of there fees
Product: Mortgage

Loan number : XXXX We are appealing this foreclosure due to incorrect modification. We spoke to XXXX XXXX on XX/XX/XXXX and XXXX XXXX, she stated we were approved for our loan modification on XX/XX/XXXX and they needed to have a notary come out and redo the documents.. They sent documents to XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, Az XXXX to get signed and notarized, they were filled out incorrectly because XXXX XXXX and XXXX XXXX live in XXXX different states, so XXXX called and said she was going to send out new documents and have a notary come to each of our homes on XX/XX/XXXX which they did and we resigned the documents. As of today we tried to make a mortgage payment of XXXX and they said our loan was in foreclosure due to not receiving the loan documents on time which we did not have because the notary had them and sent them off. 

Someone needs to pull up the voice recordings when we spoke with XXXX because this is not our fault. This is an error on your behalf, and this needs to get resolved as soon as possible. We are not trying to foreclose on our house, we just moved into this house in XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XXXX XXXX, 2017, I contacted Nelnet about a concern I had in regards to how my monthly payments were being distributed. My Nelnet account was saying I was not covering all of the accrued interest on some of my loans. I wanted to increase the amount, so I would not only cover my interest but begin paying towards the principle of the loan. For several months I noticed that even though I was paying more than was " due '', the principle was never going down. I would try to make adjustments to each part of the loan so that the interest was paid, but each time the monthly sum was distributed differently amongst the sub-loans so that the interest would still be accruing. I was talking to a representative in regards to increasing my monthly payment, and I was told the amount would only come out once. It came out twice and I ended up in the " red '' at my local bank due to the misinformation. I feel like I always have to check my loan through them because there are so many unhelpful people telling me a different thing. On XX/XX/XXXX, I contacted the loan server again in regards to what had happened, and after being online with a different person for about a half hour they told me I would have to contact a person via telephone number and they could not help me. I am completely frustrated with this company and feel like there is no one on the same page. I would like to get some guidance as far as what to do to pay off my loans and handle them correctly, but I feel I ca n't get those answers from Nelnet.
Product: Debt collection

XXXX XXXX knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is EQUIFAX and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. EQUIFAX is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, XXXX XXXX, failed to provide me with the necessary disclosures required under GLBA and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.
Product: Bank account or service

On XX/XX/XXXX of last year, I initiated a balance transfer of {$350.00} from my overdraft account with HSBC to a new XXXX credit card that I had opened. I received a notification from XXXX that it had been executed successfully and they added {$350.00} to my balance with them, but I never saw these funds appear in my HSBC account. I called HSBC to research it and they said they had no record of having received the funds. I called XXXX and asked them to look into it and a couple of months later I received a letter telling me that by their records, the money had been transferred to HSBC and so they were unable to credit me for that {$350.00} and that I should go back to HSBC. I 've been remiss in doing so, mainly because I tried once and I have no idea how to proceed, so I am now in a place where I have to still pay HSBC the balance of my overdraft, while also paying XXXX the {$350.00} I asked them to transfer. So I 've doubled that debt through no fault of my own. Please help me look into this and see how this can be resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries from XXXX XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), & BK OF AMER XXXX XX/XX/2020 ) that I do not recognize nor did I authorize.
Product: Credit reporting or other personal consumer reports

I was sued due to companies failing to provided the right information to prove actual ownership of accounts reported. Because the Credit debt collectors were not able to provide the information requested they backed down and requested to dismiss the case with prejudice.
Product: Checking or savings account

Through out my years with wells Fargo- which I had been a customer too since 2007 - I have had difficulties with transactions and withdrawal fees when fraud occurred. I was strong armed to open a savings account for my XXXX XXXX XXXX in which I have had to pay account fees for from the beginning. I called to cancel today and they said as of now there is no account fees but I had been paying monthly
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally report that I am a victim of identity theft, which has resulted in fraudulent accounts and hard inquiries appearing on my credit reports. These unauthorized activities have caused significant distress and financial complications for me.I have taken steps to address this issue, including filing an identity theft report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit file with the major credit reporting agencies ( XXXX, Equifax, and XXXX ). Additionally, I have contacted the creditors involved and requested the removal of these fraudulent items. Despite these efforts, the items remain on my credit report.I have taken steps to address this issue, including filing an identity theft report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit file with the major credit reporting agencies ( XXXX, Equifax, and XXXX ). Additionally, I have contacted the creditors involved and requested the removal of these fraudulent items. Despite these efforts, the items remain on my credit report.
Product: Debt collection

After reviewing my current XXXX credit report I've notice that Portfolio recovery and associates still remains on my credit report. As a result, ive written a full dispute statement to the three major credit reporting agencies. 

Portfolio recovery and associates is in violation of federal law. Section 809b Violations are as follows ; unable to fully validate debt the company claims I owe. 

Violation, unable to provide license to collect a debt in my state of florida Violation, unable to provide details on what the debt they claim I owe is for, no copies of original documents has been provided only billing statements of which under the law billing statement are not valid proof of debt owed. 

Violation unable to calculate total balance owed as required by federal law Violation unable to provide bond number of which maybe required to collect a debt in my residency state of Florida. 

Violation trying to collect the debt that is over statue of limitation in my resident state of Florida
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXX  XXXX Balance Owed : {$790.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XXXX XXXX XXXX  to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Mortgage

Subject : Formal Complaint Against XXXX XXXX XXXX Predatory & Unfair HELOC Terms To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX for predatory and unfair lending practices in my Home Equity Line of Credit ( HELOC ) agreement. 

Loan Details : Lender : XXXX XXXX XXXX Loan Amount : {$100000.00} Interest Rate : 12.05 % Origination Fee : 4.99 % ( {$5000.00} ) Agreement Date : XX/XX/year> Property Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Key Complaints : HOEPA  Violation ( 15 U.S.C. 1639 ) My APR ( 12.05 % ) exceeds the average market rate ( 6-7 % ), classifying it as a high-cost mortgage.

TILA Violation ( 15 U.S.C. 1601 ) Rate floor restriction was not properly disclosed, preventing fair refinancing.

RESPA Violation ( 12 U.S.C. 2601 ) Third-party fees were hidden, inflating costs unfairly.

Wisconsin Consumer Law Violations Excessive fees and rate manipulation practices.

Requested Remedies : Immediate rate reduction to market levels ( 6-7 % ).

Removal of the rate floor clause.

Investigation into XXXX XXXX high-cost lending practices. 

I request that the CFPB formally investigate XXXX XXXX XXXX and ensure compliance with federal lending laws. 

Sincerely, XXXX XXXX
Product: Student loan

Navie t is incorrectly reporting my loan as late for months now, 4 months late and I havent had a lot ab with them since XX/XX/2014. I havwas called several times. They do not claim to know anything about it.it clearly states on all my credit reports that navie this is the lender and they are clearly stating late Paynent
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all three credit bureaus to do a verification of everything on my credit report, and they did, except for ( Equifax ). XXXX and XXXX did so and stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit reports to include Equifax, even after they did their own thorough research. 

I found improper inaccuracies on the accounts listed below ; XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX XXXX  XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX XXXX XXXX Acct # XXXX. 
Date opened : XXXX Address ID : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit card or prepaid card

I went online probably XXXX XXXX  2022 to check my Citizens Bank credit card charges because of potential fraud. Apparently looking online triggered the end of paper statements and the beginning of e-statements. Perhaps there was some fine print, but I certainly NEVER saw it or consented to it. I am a very busy person and didn't notice that I hadn't received bills. I have been a long term customer with an excellent payment history and a stellar credit score ( over XXXX ). You would think Citizens Bank would notice something was wrong and notify me. But no. Instead, they pile on {$69.00} in late fees and {$410.00} in interest charges. I only find out when my card is declined at a store! And when I ask, they refuse to reverse the interest charges. Switching people over to e-statements without permission or in a sneaky way that the customer can not see must be a HUGE money maker for Citizens. It is wrong and they should be fined and shut down.
Product: Mortgage

I have consistently paid my mortgage on time and in advance on good occasions. When Covid hit, my job went into part time, and I was now on unemployment, but still trying to pay my mortgage. 

In XX/XX/XXXX my statement from the company newrez was balanced. I paid two checks one for the mortgage and one for partial payment to the next month. I continued trying to make my payment in advance. 

In XX/XX/XXXX I was paying XX/XX/XXXX payment or part thereof. I got a statement showing I was owing for XX/XX/XXXX. 

Could not get a resolve from the company. At the end of XX/XX/XXXX I got a letter stating to send the XX/XX/XXXX payment to a new address. My loan had changed hands. My XXXX and XXXX payment had already been paid. 
There after the company began to become hostile. The dollars were adding up on my loan. No one to talk to due to Covid and the long wait on the line. 

I then realized that my monthly payment had changed. It went up. That shocked me. I was not notified of this change. 
I wrote a letter to the company on XX/XX/XXXX when I submitted my mortgage payment. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking that they please correct the error in my loan and bring it to the correct balance if I owe them, but they are showing I owe over {$10000.00} in mortgage payments which is not correct. THE COMPANY SHELLPOINT HAS ALSO THREATEN ME WITH FORECLOSURE OF MY LOAN. 
I ask them to please provide me the following for reconciliation of my loan : 1 : What month date and year the loan changed hands as my payment could have gone elsewhere.

2 : Why did my loan payment changed or rather increased my loan is a fix rate.

3 : What was the first payment the new company received from me 4 : To provide a list of payments they received.

5 : To rerun my loan amortization table for the last 36 months to determine the error. 
I got a letter from the lenders insurance department. I told them I have had the same insurance company since I bought the house. The policy is always paid yearly. I checked with the insurance broker. They said they have not received a call from my lender or anyone else. My policy has never lapsed. 
The representative of shellpoint asked my insurance company name and number and I gave it to them. 

I need help please in fixing this mess as Shellpoint is not operating ethically. something is not correct, including my monthly payment balance. 
Please help me to resolve this.