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

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX Dept Of XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Student loan

Navient notified me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that my payments would be increasing. The emails directed me : " How to apply now Apply online : Visit StudentAid.gov to get started-it 's the easiest and fastest way to apply. 

Apply by fax or mail : Visit Navient.com and download an Income-Driven Repayment ( IDR ) application, or give us a call at XXXX and our automated voice response system can send XXXX to you. Then, return the completed form and supporting documentation to us by fax or mail. 

Fax : XXXX Mail : Navient, XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX Visiting the studentaid website on XX/XX/XXXX and even today XX/XX/XXXX I receive the message " Our records indicate that you are not due to recertify your income until XX/XX/XXXX. 

If this date has not hit yet, and you select this option, your servicer will not re-calculate your payment based on your updated information until XX/XX/XXXX. If you want your payment to be immediately recalculated, select the third option to have your payment recalculated immediately for the income-driven plan you are currently enrolled in. '' After a phone conversation with Navient, I was informed that they do not take any responsibility for the information present on studentaid, despite the fact that they directed me there as an option to recertify. The communications from Navient did not notify me that there may be an issue with recertification via studenaid. 

I am frustrated that Navient continues its pattern of directing me into forbearance. In order to recertify with Navient, I needed to put my now " past due '' accounts in forbearance while they process the recertification.
Product: Debt collection

I believe the confusion started when Chase took over Washington Mutual. After that switch I was never informed about my old account. I just started recieving letters from Chase from what I can remember. I was confused because I was n't aware about the switch so i did n't think to pay Chase anything. On Thursday, XX/XX/XXXX, the United States Office of Thrift Supervision ( OTS ) seized XXXX XXXX XXXX from XXXX XXXX , XXXX. and placed it into receivership with the Federal Deposit Insurance Corporation ( FDIC ).  The OTS took the action due to the withdrawal of {$16.00} billion in deposits during a 9-day bank run ( amounting to 9 % of the deposits it had held on XX/XX/XXXX ). The FDIC sold the banking subsidiaries ( minus unsecured debt and equity claims ) to JPMorgan Chase for {$1.00} billion, which JPMorgan Chase had been planning to acquire as part of a confidential plan internally nicknamed Project West. All XXXX branches were rebranded as Chase branches by the end of XX/XX/XXXX. The holding company, XXXX XXXX , XXXX., was left with {$33.00} billion in assets, and {$8.00} billion debt, after being stripped of its banking subsidiary by the FDIC.The next day, XX/XX/XXXX, XXXX XXXX , XXXX. filed for Chapter XXXX voluntary bankruptcy in Delaware, where it was incorporated.
Product: Debt collection

I received a debt collection call from Portfolio Recovery on XX/XX/24. At that time I requested the caller to only contact me via mail. I had them confirm that they understood on the call. I received another call on XX/XX/24 from Portfolio Recovery from ( XXXX ) XXXX. I asked the caller if they had a record of them calling me on XX/XX/24, which they did, and confirmed on the call that I requested to be contacted by mail only. I also informed them that it is a {$1000.00} per call violation. I would like to pursue an FCDPA violation against Portfolio Recovery. Thank you.
Product: Debt collection

American Express contacted my estranged parents ( whom have a different last name than I do now ) at an address and phone number that I have no resided in more than 25 years. They forwarded an account statement that showed the amount owed to this same address and engaged in conversation tactics on the phone in which they attempted to get them to make a payment on my behalf and disclosed the account balance. 

They disregarded other addresses and phone numbers shared and in the public domain and with them directly. Additionally, the account in question had been reported for Fraud activity previously. Attempts to contact via post have resulted in boiler plate form letters being dispatched rather than meaningful correspondence as it is in collections. This case was reported to the statutory address of record for legal matters and so far no meaningful correspondence has been received. 

In the doing so they officially disclosed my new legal name and associated that legal name with an address I do not reside at with people I am not biologically related to and violated my privacy and created a security concern in the public record associating my old last name with my new last name. 

Unacceptable. Illegal and costly to fix.
Product: Mortgage

Freedom Mortgage sent me a monthly statement on XXXX/XXXX/XXXX stating that my payment was {$1500.00}. My payment had always been {$1100.00}. I contacted the Vice-President, XXXX XXXX who indicated that they did an escrow analysis on my account and that they realized they had n't been collecting enough of a payment. Strangely though, there was no increase in my taxes or insurance. As a matter of fact, my taxes went DOWN. Employee error is the reason my payment has gone up. There have been numerous employee errors on my accounts with Freedom Mortgage and I am growing so tired of it. 
I received NO notification of this until I got very upset in the email to XXXX XXXX and stated that I was never informed of this, and that this notification was required by the mortgage company. All they did at that point was email me their analysis that I had never been notified of prior to this date. 
On top of everything else, I sent in my regular mortgage payment for the XXXX XXXX, XXXX payment and received a notice of a " late payment '' since they refused to apply my payment. 
This is extremely concerning to me as many problems have occurred since I have had my mortgages with Freedom Mortgage. Since I have had my accounts with Freedom Mortgage, here are some issues I have had with them : 1 ) About a year and a half ago, I received a refund from Freedom Mortgage. I spent this on home improvement. A few months later, I was informed that Freedom Mortgage was then that amount short and needed to recover it and increase my payments. 
2 ) Freedom Mortgage neglected to pay my homeowner insurance bill. This was approximately a year and a half ago as well. My homeowners insurance actually ceased until I requested that Freedom fix the situation. 
3 ) I would gladly pay this amount if it was due to an increase in my taxes or my insurance, but as I stated previously, nothing was increased and actually went down. 

On top of everything else going wrong, I have received statements that say I owe more than XXXX payment and I had to email XXXX XXXX to figure out why they were trying to collect for more than XXXX payment. There is too much to go into detail, however, right now the main situation is my payment going up so high because of employees of Freedom Mortgage not doing their jobs correctly. A homeowner/holder of a mortgage should not be the person responsible when these employees do n't do what they are supposed to. 
XXXX XXXX stopped emailing me when I informed her via email that I had not received the appropriate documentation from Freedom Mortgage regarding any change/increase in my payments. I informed her that a mortgage company is required to notify me of any changes in writing and that this was not done. I did not hear from her or receive the assistance I needed after that time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I TOLD THEM I NEEDED XXXX XXXX RELIEF BECAUSE I WAS HAVING TROUBLE PAYING THE BILL AND ENDED UP HOMELESS AND THE NEVER GAVE ME ANY RELIEF WHATSOEVER AND CALL AND CALL FROM ALL KINDS OF DIFFERENT NUMBERS PRETENDING TO BE A FRIEND AND NOT TELLING ME WHO THEY ARE AND THEN THREATEN ME BY THE END OF THE CALL THEY EVEN USE A LOCAL AREA CODE EVERY TIME AND HAVE MADE IT HARD FOR ME TO FIND WORK BECAUSE NOW EVERY TIME I GET A LOCAL CALL I GET SCARED TO ANSWER AND HAVE TOLD THEM TO STOP CALLING AND THEY JUST KEEP CALLING FROM SO MANY DIFFERENT NUMBERS. THEY HAVE MADE MY CREDIT REPORT GO DOWN BY XXXX XXXX AND THAT'S EXTREMELY HIGH FOR THEM TO BE ABLE TO DO THAT WITH THEIR REMARKS ALONE.
Product: Debt collection

Navient forced me into forbearance after forbearance that I could not pay. Ultimately they forced me into paying my loan in full, to avoid legal action. Paying this loan of XXXX dollars in full put my family and I in a very tough position. To this day the late payments for the loan forbearance that I could not pay is on my credit. If I would have been given options or coaches on how to take care of this load I wouldn't have ever gotten into this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A States I have a 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.
Product: Credit card

I had a XXXX XXXX done for a XXXX  with XXXX XXXX They did a horrible job not only was the XXXX  to bulky, twice the size of my original XXXX that was causing XXXX XXXX  and my XXXX wouldnt close properly for months. But there was also a whole in the XXXX work from it being too bulky trying to adjust it and have it fit properly. The dentist refused to redo the work, and I was forced to go to another XXXX. I have proof from other XXXX how poor the job was. My credit card company did not back me up in this, even though I had to redo the work, literally seven weeks after the procedure. I had just completed with XXXX XXXX. I disputed it this case was not properly handled nor the investigation was thoroughly done and no one reached out to me to let me know what was going on. I had to constantly reach out to them and then they finally just closed my case on XX/XX/XXXX saying three months has gone by. Improperly handled, and my case was completely mishandled
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Omni Financial Of XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose
Product: Checking or savings account

On Saturday XX/XX/year> I received a fraud alert about a {$790.00} transaction. I immediately said it was not me. Chase Bank took the {$790.00} out of my account until XX/XX/year> {$790.00} was put back in my account. On XX/XX/year> the {$790.00} was again removed from my account Chase started that it posted on the XXXX and would be deposited back over night. Today is now XX/XX/XXXX and it has not been deposited back to my account. Also I have not received my replacement card 12 days is a long time to process a replacement card. Basically Chase has been holding my {$790.00} hostage for 12 days. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

We are filing a complaint against both of the following : 1. Equity Prime Mortgage LLC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Our date of application was XX/XX/2021 Our Loan Number is XXXX XXXX Phone Number is ( XXXX ) XXXX Our complaints are as follows : XXXX. There was no NET TANGIBLE BENEFIT to this refinance done by XXXX XXXX XXXX Equity Prime Mortgage LLC ; He did the opposite ; he WORSENED our financial situation. Taking us from a XXXX XXXX to an XXXX XXXX in ANY SITUATION IS NOT FINANCIALLY BENEFICIAL EVER. XXXX has much higher mortgage insurance monthly payments than a XXXX XXXX does. XXXX XXXX CLEARLY took advantage of us. 

2. Our loan did not pass the 3 % maximum fees tolerance. Our Loan Amount was XXXX and there is a 3 % cap on what a lender can charge. That means the maximum lender fees we could incur by the XXXX XXXX and XXXX Laws should have been {$9000.00}. We were instead charged {$8700.00}, plus a {$340.00} administration fee, plus a {$500.00} processing fee, plus {$1100.00} in underwriting fees, totaling {$10000.00}. We were charged {$1700.00} OVER THE MAXIMUM LIMIT ALLOWED BY LAW.

3. We never received a copy of our appraisal. Per Federal Law, we should have received a copy of the appraisal AT LEAST 3 DAYS PRIOR TO CLOSING. 

4. This has caused tremendous financial hardship on us. We were looking to use our equity to get cash out to consolidate our debts, that was the only goal from the very beginning. We never received any cash out to pay off our bills with that we were supposed to get. XXXX kept feeding us a lie that we would get cash back in our Taxes. We filed our taxes and did not receive the cash payouts he had said we would receive. We signed the closing documents because we believed XXXX was being honest, and that we simply needed to file our XXXX XXXX with the Federal Government and we would get our payout in our Tax Refund. Plain and simple, we never got ANY CASH OUT, so we would like the lender to rectify and pay restitution for the financial hardship he has caused us. 

5. We also believe the Title Company who closed our loan should also be held accountable for closing a loan that DID NOT MEET THE XXXX XXXX MAXIMUM RULE. XXXX XXXX XXXX XXXX, XXXX should be held accountable for closing this.
Product: Credit card or prepaid card

Macys gift card for XXXX. They said I could apply to get the card re-issued. I did and they denied the reissue of the card, meaning I cant use it. They sent me the denial today XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XX/XX/XXXX credit report shows FedLoans twice for the same student loan accounts. One listed for $ XXXX the other for $ XXXX, with XX/XX/XXXX stating I have $ XXXX in student loan debt. I have $ XXXX per the Dept of Education and FedLoans. 
Same day I contacted my acct rep with FedLoans, he stated one will fall off give it a month. 
Same day I filed a dispute with XX/XX/XXXX on the $ XXXX, denied it. Verified with the Dept of Education no one called or placed a verification request for total amount of distributed student loans.The person handling the disputes states consumer doesnt agree with FFCRA. Never mentioned FFCRA as I have no issue with 0 % interest yet but yet now I owe more money since XXXX. FedLoans is charging me {$50.00} a month to service my {$0.00} payment plan, yet my interest went up when it should be 0 % from XX/XX/XXXX onward through I believe XX/XX/XXXX. 

XX/XX/XXXX - Both the $ XXXX and $ XXXX student loans are still showing on my XX/XX/XXXX Credit Report. Placed a dispute with XX/XX/XXXX again, this time under the $ XXXX, sent in documentation to include a print out of my last FedLoan statement and a screen shot of the owed amount per the National Student Loan Database, and the Dept of Education with explanation that they are showing the same accounts with two different amounts combining them for total student debt of $ XXXX which is incorrect. 

I send an email to my account rep at FedLoan Servicing he calls me back from the East to West Coast, XX/XX/XXXX at XXXXXX/XX/XXXXXX/XX/XXXX, to assist me. Basically said FedLoans can not speak to XX/XX/XXXXand that yes it is wrong on theXX/XX/XXXX credit report as I sent him a screen shot. He suggested what I had already done that is to dispute it. 

XX/XX/XXXX - I called XX/XX/XXXX they said no I have the debt of $ XXXX, and opened another dispute on-top of a dispute. They gave no information on how they verify my student loans and refused to acknowledge that the same accounts are listed twice under the same account number ( s ). I advised it is impossible to take Federal Loans out for an XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX - pulled my XX/XX/XXXX and XX/XX/XXXX credit reports to confirm they are reporting correctly of $ XXXX, sent info to XX/XX/XXXX and updated FedLoans. 

XX/XX/XXXX - XX/XX/XXXX dispute remains unchanged, stated they spoke with the student loan servicer and that the information is correct. Problem is they are verifying one account because you can not combined the two open student loans together, not resolving that these are listed twice. 
Filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX numerous times. Regarding an account XXXX also know as XXXX. This account is reporting unlawfully. I have sent letters in regards to this issue. This account should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX Balance Owed : {$530000.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and Federal Insurance Act. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.
Product: Credit card

I have been a loyal Capital One customer for approximately XXXX  years, maintaining several credit cards, a checking account, and a savings account with the institution. Recently, I encountered several issues that have significantly impacted my financial standing and my relationship with Capital One. 

Without my knowledge or consent, Capital One changed the membership of XXXX of my credit cards to a different type. I later discovered that this change was made because Capital One brokers business with XXXX. Concerned about this alteration, I contacted Capital One to request that my card be changed to the XXXX XXXX card. During this conversation, I was informed that in order to obtain the XXXX XXXX card, I would need to reapply. 

Upon reviewing my account, I noticed that I was pre-approved for the XXXX XXXX card and had received hundreds of invitation letters by mail encouraging me to apply. Believing this was an opportunity, I proceeded with the application. However, this application was processed as a hard inquiry, which caused my credit score to decrease from a previously perfect score of XXXX. This drop occurred despite my long-standing positive credit history with Capital One. 

Unfortunately, my application for the XXXX XXXX card was denied. I reached out to Capital One to request a review of this denial, but my request was declined. Seeking further assistance, I asked to be transferred to a manager. During this transfer, the call was unexpectedly disconnected. I called again and was connected to XXXX XXXX. I requested to file a formal complaint, but XXXX informed me that it was not possible to proceed with a complaint and again denied the review of my application denial. 

The application number associated with this issue is XXXX. I am dissatisfied with how Capital One has handled my request to change my credit card, the unauthorized change to my account membership, the negative impact on my credit score due to a forced application, and the lack of support and resolution provided after my application was denied. I seek assistance in resolving these matters and restoring my credit standing. 

XXXX XXXX : XXXX
Product: Debt collection

Constantly getting calls from Quality Asset Recovery. XXXX.

I do have debts, but none are in collections, and have a credit score above XXXX. All of my bills/debts get paid on time.

No matter what I do or say, they continue to call and harass. I just want it to stop.