23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I went to school at XXXX XXXX XXXX in XXXX Utah where I earned my Associates Degree in computerized accounting. The total loan was about XXXX. Later in XXXX I went to University of Phoenix for a few months. Most of which was pell grant. Some loans were sent to the university and were sent back. Navient counted these loans even though they were sent back to the borrower. I became XXXX with XXXX XXXX XXXX in XXXX. In XXXX Navient garnished my SSDI and also made me sign paperwork tripling my loans threatening that they would take all of my Social Security Disability. Still to this day there is a balance of XXXX on my student loans. Because of what they did I lost my house I was renting and became homeless.
Product: Checking or savings account

I tried to pay off complete debt woth a credit card was denied twice due to wrong address on file per XXXX XXXX then Monterey financial decided to withdraw without my authorization the amount due of XXXX out of my checking account I have filed a dispute under fraud as suggested by my bank XXXX XXXX has not returned momey or returned phone calls after speaking to employees and then referred to manager
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorize, I was charged fees due to lagged posting of changes 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: Credit card or prepaid card

I have a capital one credit card. recently they brought Walmart ( and I also had a Walmart card. I cant afford 2 payment s to them so Im trying to close the Walmart card. They keep saying the Walmart card is closed but the money hasn't been taken out of the bank yet. My husband ( XXXX XXXX XXXX ) paid the Walmart/Capital One card off for me XX/XX/XXXX. He only had that money there to " pay off " my card. He has been continuously trying to close his account but the bank wont let him because he still has funds in the account thats intended for Walmart/Capital One. They also sent a letter to the credit reporting agency on XX/XX/XXXX saying I was late which affected my credit negatively. I need a letter to show this information was false from them. They say it was an accident but they refuse to email me a letter saying this account was paid off on XX/XX/XXXX ; so therefore I couldn't be late on a closed account that was paid off. They absolutely REFUSE to take the funds for the pay off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX
Product: Debt collection

In XX/XX/XXXX I pulled all 3 credit reports. I noticed Dynamic Recovery Solutions on my report as a collection account. I disputed with all 3 credit bureaus in XX/XX/XXXX. In XX/XX/XXXX it came back as verified. I sent a certified letter to Dynamic Recovery Solutions demanding validation on XX/XX/XXXX. No response. Prior to my letter, I did not receive a dunning notice. I was also not notified within 30 days of placing negative information into my credit file. Delete any and all claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) CC : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX XXXX XXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Mortgage

PLEASE REFER TO COMPLAINT # XXXX ABOUT US : Were the Consumer Financial Protection Bureau XXXX CFPB ), a U.S. government agency that MAKES SURE BANKS, LENDERS, AND OTHER FINANCIAL COMPANIES TREAT YOU FAIRLY ..... 

This is the response from Mr. Cooper dated XX/XX/XXXX : Dear XXXX XXXX : Thank you for reaching out to us on XX/XX/XXXX. We appreciate the opportunity to make things right. We have forwarded you concerns to our tax vendor regarding your property taxes being waived in South Carolina. Once we have received all information you will receive a response under separate cover. We apologize for any inconvenience this may have caused and appreciate your patience. Expect to hear from us by XX/XX/XXXX. 

" ... .concerns to your tax vendor regarding your property taxes being waived in South Carolina XXXX. ''??? 

THIS IS NOT THE ISSUE!!! THIS ISSUE WAS RESOLVED TWO YEARS AGO!!! 

THIS IS TYPICAL OF MR. COOPER 'S LIES, STALL TACTICS, " SMOKE SCREEN '', AVERTING THE ISSUE AT HAND AND CAUSING MENTAL ANGUISH. 

SOMEBODY NEEDS TO STOP THESE PEOPLE!!! They are lying, cheating, causing me to have XXXX and having had to be hospitalized in " Psych '' twice because of " suicidal ideations '' Nationstar Bank has " engaged in unfair and deceptive acts and practices in violation of the Consumer Financial Protection Act of 2010. '' They have already been " proven guilty of this and had to " pay out '' 91M. How is that they continue to engage in these unfair and deceptive acts ( lies ) and causing harmful mental anguish leading to suicidal ideations? 

How is it then that they are getting away with what they have already been proven to be doing of lying and causing harm and breaking the law? 

Why is it that the CFPB that " makes sure banks, lenders, and other financial companies treat you fairly '' is NOT doing something about this?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Immediate Removal of Inaccurate Negative Reporting CFPB Complaint To Whom It May Concern, I am writing to formally dispute the validity of the debt you are reporting on my credit report. This erroneous reporting is severely impacting my ability to obtain necessary credit and secure stable housing for my family. Your actions constitute a violation of federal consumer protection laws, and I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities if it is not remedied immediately. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide a consumer with a written notice of the debt within five days of initial communication, allowing the consumer to dispute its validity. I have never received such a notice, nor was I given the opportunity to verify or challenge this alleged debt. 
Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, mandates that furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the data they report. Your failure to properly verify and notify me of this debt before reporting it is a clear violation of these consumer protection statutes. 
In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court reinforced that a debt collector can not assume a debts validity without substantiating documentation. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXXXXXX XXXX XXXXXXXX ), clarified that debt collectors must have a permissible purpose to report negative information. Given your failure to notify me and verify the debt, your reporting is not legally justified. 
Based on these violations, I demand the following actions immediately : 1. Cease all reporting of this debt to the credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Provide documentation proving that I was properly notified and that this debt is valid. ( provide Forward Flow Agreement, consent to report, etc. ) 3. Immediately update my credit file to remove any derogatory information related to this debt. 
Failure to comply with these requests within 15 days will result in my filing a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will seek legal counsel regarding my rights under the FDCPA and FCRA. 
Please confirm in writing that this matter has been resolved, and all negative reporting has been deleted from my credit file. You may send your response to the address listed above. 
Sincerely, XXXX XXXX
Product: Mortgage

Attached is a copy of my mortgage statement. As you can see I am current with my mortgage payment. Selene Finance has added a {$770.00} additional charge to my payment. My loan modification was denied and now they are trying to charge {$770.00} for the loan modification. I don't think it is fair for me to pay my mortgage payment every month and this additional fee. Please look into this matter.
Product: Credit reporting

I was co-borrower on XXXX mortgage. 
1. Loan was charged off after only being 61 days late 1 time. never missed payment before or since. 
2. paying back same mortgage co after c/o kept paying never knowing of charge off until we ran credit report. 
3. Real issue here is how unfair it is that mortgage co can report it as co then show every month as being late when i am in fact paying them every month as agreement. This kills my payment history. My payment history was reporting 100 % up to the point i started disputing a couple of things. i assume this is legal reporting however it is double kick XXXX. I understand as long as i have a balance they can show i missed the monthly payment??? but my agreed upon payments go unreported!!!! 

4. During tough time i also owed state of Ga XXXX that i called and told them to keep my return which it took 2 years of returns to satisfy the debt. I found out after credit report i had a tax lien on property i did not even own ( irrelevant ). i paid the debt in full. The federal IRS has a fair act forgiveness program that will allow you get it removed from you credit report however states do not. I have written all XXXX credit bureaus requesting removal and only XXXX removed. XXXX and Equifax basically said go pound sand. If they have ever removed one for any other person just by a written request then this is unjust and unfair. I am attaching a paid in full letter. i worked very hard and paid off all old debt in hope of improving my score. I got it to XXXX and then without changing a single thing filed a few disputes then got punched in the gut by it dropping over XXXX points. inflating your credit score due to buying their advertised products is unfair but i am forced to do it. you are welcome to check my past and current credit history and you will find perfection for 15 or the last 16 yrs and atonement for that 1 yr however due to unfair practices i look like a bum.
Product: Credit card or prepaid card

I made a purchase with XXXX on XX/XX/2021 for a concert in the amount of {$120.00} and the transaction was charged to my discover card through XXXX. Later in the day, I received an email from XXXX that said : Hi XXXX, Unfortunately, we were unable to process your order for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX - Multiple Dates Available. If you'd still like to buy this XXXX, please double-check your payment information, then try purchasing again. If you're still having trouble, please view these XXXX XXXX XXXX. 
Thank you, XXXX XXXX XXXX I then proceeded to verify my payment information and made the purchase again. I then saw that I was charged XXXX. I contacted XXXX and they refused to reverse the transaction saying that it was against their policy to refund. They then gave me a credit, but I told them I wanted a refund because I only made the purchase again because they told me the first transaction didn't go through. So I made a complaint with Discover and now they are saying that the email is not sufficient. It's pretty black and white, I don't want a credit, I want the unauthorized charge removed.
Product: Vehicle loan or lease

I purchased my vehicle 4 years ago from XXXX XXXX and was offered a loan from Santander XXXX. The associate who I signed the loan documents with did not explain everything thoroughly to me. I signed a loan with a XXXX percent interest rate and put XXXX dollars down payment for a roughly XXXX car. The associate who helped me did not properly explain my interest rate to me and my loan terms. He also told me the vehicle went through a multi point inspection and did not have any issues however I have been faced with XXXX since I have purchased the car. I asked him if he could thoroughly explain my loan contract with me as I was in a confused state due to my mental health. He replied that we did not need to go over the contract and they everything was pretty much self explanatory. After paying on my car for 2 years I noticed that my balance was not going down at all. I called my finance company and they let me know I would be paying on my interest first and then the car loan. I had no idea of this information or I would have never signed the lease if this had been explained to be correctly. Now here I am XXXX years later and XXXX in payments still owing over XXXX dollars on this loan. I have been taken advantage of by XXXX XXXX and Santander as a minority and also someone who struggles with emotional issues.
Product: Debt collection

They have called me 5 times a day after I've told them I can't make a payment until I get paid on my pay day. They continue to call 5 times a day.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Jefferson Capital Systems , LLC reported a debt of {$2800.00} to the credit bureaus, which I believe to be inaccurate and invalid. I requested validation of this debt in accordance with 1692g of the Fair Debt Collection Practices Act ( FDCPA ), asking for the original creditor 's name and address, a detailed breakdown of the debt amount, and proof of ownership, including documentation showing the transfer of the debt to Jefferson Capital Systems , LLC.

Despite my formal request, Jefferson Capital Systems , LLC failed to provide adequate validation or evidence to support their claim. This includes failing to supply the agreement that created the debt and any documentation proving their legal right to collect it. Their lack of response violates my consumer rights under 1692g.

Additionally, Jefferson Capital Systems , LLC has continued to report this debt inaccurately to the credit bureaus, causing undue harm to my credit profile. As of XX/XX/year>, this account remains on my credit report without any substantiation of its validity, despite their obligation to provide accurate and verifiable information under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Mortgage Reporting by Experian XXXX XXXX Dear CFPB, I am writing to formally file a complaint against ExperianXXXX for the continued reporting of inaccurate and unauthorized information related to my mortgage account with XXXX XXXX XXXX Despite multiple attempts to resolve these issues directly with Experian, they have failed to take corrective action, resulting in significant harm to my credit profile. 

Summary of the Issues : Inconsistent Reporting of Account Opening Date : Experian has inaccurately reported the date on which my mortgage account was opened as XX/XX/XXXX, while another credit bureau has reported XX/XX/XXXX. This discrepancy has not been corrected despite my providing evidence of the accurate date, which is XX/XX/XXXX. 
Incorrect Date of Last Activity : Experian has reported the date of last activity on my mortgage account as XX/XX/XXXX, while another credit bureau reports it as XX/XX/XXXX. This inconsistency affects the reporting period and, ultimately, the duration for which this account impacts my credit score. Despite my dispute, Experian has yet to rectify this error. 
Inaccurate Payment History : The payment history reported by Experian for the account in question is inaccurate, particularly for the months leading up to XX/XX/XXXX. The discrepancies in the payment history between the credit bureaus for this period have led to a misleading representation of my payment behavior, which is detrimental to my creditworthiness. 
Violation of Permissible Purpose Under FCRA : Experian/XXXX has reported this mortgage account without my explicit authorization, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reports may only be furnished under specific permissible purposes, none of which apply here, as I did not provide written consent for this account to be reported. 
Previous Efforts to Resolve : I have made several attempts to address these inaccuracies directly with Experian, including providing them with supporting documentation to verify my claims. Despite these efforts, the inaccuracies remain on my credit report, and Experian has not taken the necessary steps to correct or remove the erroneous information.
Product: Checking or savings account

My business partner and I have a bank account registered under an XXXX with Bank of America. The account has XXXX debit/credit cards, XXXX for each business partner. During XX/XX/XXXX, there were multiple unauthorized transactions made from both cards amounting to {$4300.00}. 

We have reached out to the bank and made several claims, and so far, have recovered {$2600.00} between XX/XX/XXXX and XX/XX/XXXX. We have continued reaching out to the bank to recover the remaining balance of {$1700.00}, but they have been unwilling to solve the problem, claiming they can not access data from over a year ago, hanging up the phone on multiple calls and turning over the claim to another bank officer to start all over again. We scheduled an appointment with them on a local branch only to be turned down once we arrived, where they claimed they can not solve the situation on the branch. 

We have offered to send them copy of our records ( including the relevant bank statements and transaction summaries ) so they can process the claim and reimburse our loss, but they refuse to receive them.
Product: Credit reporting or other personal consumer reports

I HAVE ATTACHED FTC REPORT ******PLEASE REPORT FTC REPORT IN DETAIL******I AM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUD MUST BE REMOVE AND BLOCKED, FTC REPORT SHOWS ALL THE ITEMS DO TO FRAUD PLEASE REMOVE.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I Applied For A Platinum Card With XXXX XXXX, However I Was Denied. This Is Unlawful As I Am The Creditor Extending My Credit With This Company, and As The Creditor I Have The Right To What I Define What Credit Is To Me As Well As The Right To Authorize The Furnishment Of My Information In Which I Did Not. As A Result My Information Was Given Out and I Suffered A Lose Mentally and Physically and Financially, Not Only That But It Showed Up On My Consumer Reports.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries found on Eqifax the request is for these fraudulent entries be removed, as I have not applied for any lines of credit. 
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I received a letter from a company called XXXX XXXX XXXX. They letter states that they are suing me for an account being closed and not being able to obtain payment during a time frame where I was ill. The company lists references on my account that were never there. I don't ever remember having a loan from this company at all. They are threatening to run my credit over and over and are offering a XXXX XXXX that is not accurate with mine. 

The company is making multiple threats of fraud charges and garnishment of wages. XXXX of the people they plan to call as supporting witness would have been an infant at the time the this loan was purported to be taken and the other was not ever listed on anything for me at all. Also this is during a time when my identity had been compromised and someone did several large purchases that had to be disputed. The letter is threatening and is stating information that is inaccurate.