23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filled out forms for a loan modification on XX/XX/XXXX. I received no response with the foreclosure date approaching I resent the loan modification packet on XX/XX/XXXX. I received a response from Rushmore stating that they do not do loan modifications for loans that are as far behind as mine they would also not accept it because it was less than 32 days before the sale. Yet again on XX/XX/XXXX they sent me ANOTHER LOAN MODIFICATION PACKET. If i am not eligible for ANYTHING as they stated why do they send this information to me? They have broken so many laws in collection of my mortgage. I have requested a breakdown of the loan where all the payments went from the inception of the loan I receive NOTHING. Not a print out of some computer information with balances for unknown amounts I requested an exact breakdown of where the debits and credits came from I received NOTHING I requested a payoff amount and what it comprised of I have received nothing but more packets to apply for modifications they say I am not eligible for.
Product: Credit reporting or other personal consumer reports

I am filing complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the air Credit reporting act ( FCRA ), 15 u.s.c. 1681i which mandates a reasonable investigation of disputes. Furthermore, Experian 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 administration proceeding ( File No. XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
I want reported accounts removed :
Product: Debt collection

The company Credit Collection Service purchased a debt from another company and I had no involvement with this transaction. As a natural person pursuant to 15 USC 3002 I, XXXX XXXX am a consumer and am not in charge of this name in all caps. Pursuant to 15 USC 1692b2 this company has reported that I owe them {$1200.00} via the three credit reporting agencies ( XXXX XXXX and XXXX ) which is a direct violation. 15 USC 1681 states that the only ways information could be furnished in a credit report is by court order or with a consumers written consent and in this case neither was furnished. Also on XX/XX/1933 congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declaration that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment legal tender for public and private debts.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the delinquent accounts listed on my credit report. Upon reviewing a recent copy of my report, I was alarmed to find inaccurate and incomplete information being shared without my consent. This has caused undue stress and anxiety, and I demand immediate action to rectify the situation.
Product: Checking or savings account

I opened a Discover online banking account with a bonus offer ( up to 200 USDs ). However, after I deposited XXXX USDs from my XXXX XXXX check, my account was suspended without telling my any concrete reason. 

Then I called Discover banking customer service twice to reactive my account. However, I was told that my account was closed ( instead of suspended! ) and they could not tell me the reason. 

What is worse, I tried to open the online banking account again. However, I found that I could not use any bonus offer code this time because the system indicated that I opened a similar account before ( though this account has been closed by Discover ).
Product: Mortgage

Freedom Mortgage has our property tax in escrow and will not pay it. The courthouse says they will sell our house on the courthouse steps if its not paid. Plus our name gets put in the newspaper, etc.

Our property taxes have been escrowed since day 1. We have never missed a payment. They lie every time we call. First they say they paid it. Then they say the paid the wrong parcel. Then they say they paid for the wrong person. All lies.

This mortgage company has horrible reviews and should be shut down. It is illegal for them to keep our money and not pay it to the appropriate parties.
Product: Credit card

I opened an account to purchase cabinets. The said I have a XXXX interest promotional and when that is set to expire I would be notified. I was planning on paying off the card when the prop expired and I never received any notification. I was charged almost {$23.00} XXXX in penalty interest. I double checked and no notification was sent. I am asking for consideration to pay off the card with out the penalty or at least a reasonable fee.
Product: Mortgage

Finance of America loan # XXXX for XXXX XXXX My Father passed away on XX/XX/2021. We have been trying to contact these people for over 1 month, only to be put on hold. and no one answers. We have emailed them the death certificate, affidavidat of heirship. listing agreement, and Letter off intent, etc. per their certified letter stating we have 30 days from XX/XX/XXXX, ( XXXX XXXX ) to cure the default, or foreclosure. Their Phone number ( good luck ) is XXXX, and their fax number is XXXX. We just want to know if all the information is received, if they need more information, and when we could get any answers from them or HUD. The house is listed to be sold, but obviously we need more time to sell, collect funds, and pay them off. It should be noted that the letter was sent on XX/XX/XXXX and did not not even get received by us until several days later. Once again, If have tried to get someone to return my call at three different email addresses, and even XXXX XXXX, the original salesman, at XXXX. All have not called back! Please, please, get these people to respond Thank you, XXXX XXXX XXXX, email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XXXX 2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XXXX XXXX, 2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for XXXX, and it has been reported it as 2 late payments on XXXX -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.
Product: Student loan

Called a number that I thought was navient ( XXXX ). This number was given by a XXXX ad subscriber with the web address www.navientinfo.com or www.navient-info.com individual that answered claimed to be from navient. Tried to get me to log them into my fedral fasfa website. Went as far as putting my email in and sending me the reset email and asked for the password reset code. Obvious identity fraud.
Product: Debt collection

Collection account for XXXX for {$570.00}. Ive tried to settle the debt with the collectors but the collectors will not agree to a deletion letter or pay for deletion.
Product: Debt collection

On XXXX XXXX XXXX Hunter Warfield responded to a complain i filed with the CFPB on XXXX XXXX XXXX ( case number XXXX ). The complaint was filed because while checking my credit report i found and account from this company listed on my file from which i had never received any communication from and when i disputed the account with them they sent me a letter requesting more time. Their response states that they did send me verification when the obtained the account but the documentation they sent to " back up '' their claim shows otherwise. The documentation they sent through the CFPB portal is as follows. Rental application, Move out statement, and their verification letter. Now looking at these documents you can see that the apartment complex noted i gave them notice and moved out on XXXX XXXX XXXX and Hunter Warfield claims they sent me a letter on XX/XX/XXXX..But they did not send it to the address i gave the apartment complex they sent it to the apartment from which i had moved out of over month before they claimed to have sent their verification letter had they sent the letter to my correct address which the apartment complex has this matter would have been taken care of. Now to add insult to injury they have not only increased the original balance from {$2600.00} to {$2800.00} they are not KNOWINGLY reporting the original amount as {$2800.00} on my XXXX, XXXX, and XXXX files. In their response to my original complaint they note tht i must contact XXXX XXXX about this account on XXXX XXXX XXXX i mailed a letter to XXXX to settle this account which was delivered on XXXX XXXX XXXX and i have not received any response.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$480.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at XXXX blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. XXXX is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.
Product: Student loan

For many years I tried to get on some sort of Income Based payment plan with Navient ( and before them XXXX ) to begin the repayment process. Every time I asked I was placed on some sort of deferment or forbearance program ( including an administrative one they seemed to make up for me ) instead. As a result the interest continued to grow and compound at an alarming rate and is now totally out of control. I was denied any payment plan that would allow me to make payments towards relief and be done long ago with this debt, or at least a hefty chunk of it. Now I 'm unemployed and struggling with XXXX ( XXXX ) and because I 'm married and moved to a community property state Navient wants my husband to pay on these very old student loans-the bulk of which are from before we even met! This is all so very wrong and I 'm not sure what I should or can do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account, XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I do not know what debt they are talking about. 

The company is a profile recovery associates and they call from several different phone numbers everyday. 

Every time I answer it clicks and takes about XXXX seconds, before anyone says anything. 

The call are clearly automatically done. 
I receive anywhere from XXXX to XXXX calls a days from This company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my credit report on XXXX XXXX website I noticed a hard inquiry from XXXX XXXX XXXX which I was never asked for nor gave permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially emailed XXXX and Transunion, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. XXXX responded with a generic response saying that it was updated. I disputed the account with XXXX XXXX, debt collector involved. XXXX XXXX responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. Transunion had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from XXXX XXXX. XXXX   responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent XXXX another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from XXXX XXXX, saying for the bureaus to delete the tradeline. XXXX  responded again saying that the account was updated. I called XXXX  and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both transunion have XXXX under a DIFFERENT ACCOUNT than the account number XXXX XXXX sent. However the account number is WRONG as well.
Product: Debt collection

My ex girlfriend XXXX XXXX moved out in XX/XX/XXXX, she took my personal information without me knowing and opened several credit cards in my name and overcharged them. XXXX XXXX  XXXX  was opened with XXXX XXXX, another one was with Capital One. Capital one was opened in late XX/XX/XXXX or early XXXX of XXXX and XXXX XXXX  was opened in late XXXXXXXX XXXX XXXX. Both times the account was activated through the Internet without my knowledge or consent. XXXX XXXX  bill is {$2000.00} and Capital One bill is {$1300.00}. I know she did it because she was the only person close enough to me to get access to my personal information since we lived together for a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Transunion and XXXX I do not owe a collection on my credit report and it is fraudulent account and I have called and they took it off, but it appears again on my report weeks later and I also have written the 2 credit bureaus and collection agency for validation of the debt and it has been past 30 days and it is still on my credit reports and have asked for proof from creditor and collection agency and have not gotten any results.the company is 12 XXXX XXXX using a collection company name XXXX XXXX XXXX
Product: Debt collection

Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.
Product: Debt collection

This company repeatedly calls me at work. and they leave a message on my work phone that it is about a debt. My voicemail clearly states the number is for a company. It is not my personal phone.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

The following inquiries were not and should not be reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 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: Debt collection

Complaint # 1 Firstpoint Collections and Resources - Received collection letter XX/XX/2020 from XXXX XXXX, that I owed an outstanding debt of {$50.00} to XXXX XXXX XXXX XXXX. 
Responded in late XX/XX/2020, that I never received a bill, a statement, a notice, or a phone call about a {$50.00} outstanding debt or any outstanding debt with the original creditor. I also checked the " XXXX '' app where outstanding balances in the XXXX XXXX XXXX appear and found NO outstanding {$50.00} balance for XXXX XXXX XXXX 
I responded to Fastpoint requesting validation of the debt and received a response on XX/XX/2020, from XXXX XXXX, Director of Operations with a statement that Firstpoint had " contacted our client and verified that you are the responsible party ''. I have yet to receive a copy of a bill, a statement, a notice, or a telephone call from the original creditor showing me a validated claim. I only received an enclosure from XXXX XXXX XXXX XXXX which was a printout of a report showing {$50.00} was written off on XX/XX/2020, not a bill, statement, or notice. I wrote to XXXX XXXX on XX/XX/2020, requesting validation but never received a response. I have had regular annual appointments for 5 years with this provider and have always paid at the
Product: Consumer Loan

Toyota Financial Services sent my account to a collection agency to collect lease termination fees even though those fees were paid XXXX XXXX 2014. The check was cashed by Toyota on XXXX XXXX 2014.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting invalid information on my Transunion Report for XXXX XXXX a debt alleged {$4000.00} something that has already been XXXX from XXXX. Furthermore i did not give consent to TransUnion consent to report anything on my consumer account. Also XXXX XXXX is a XXXX party Debtor that has no validity to the proof of this alleged debt. Both companies are in violation of ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I demand these derrogatory reportings be removed immediately or i will seek punative damages through full fledged legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, I have tried to dispute records on my Equifax credit report. However, the link provided by Equifax never works and is intended to discourage consumers from filing disputes so has to reduce the company 's investigation cost.
Product: Credit card or prepaid card

I sent the payment coupon that was attached to the statement that they send me every month. I endorse it and sent it back certified mail. I received my green card back stating that the company received the payment coupon. I called today Monday XX/XX/XXXX and see what going on with my payment. I was told that they didnt receive my payment coupon also that it was not a form of payment. I asked if they can send my original payment coupon back and I was told they couldnt but could send a copy of the billing statement. I even stated this law 15 usc 1693o-1 along with public law 106-229
Product: Credit reporting or other personal consumer reports

There have been Fraudulent Items being reported to my Credit Report. The following account MERCHANTS ACCEPTANCE C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I have attached a copy if my FTC report and ID. ( Please see attachments ).
Product: Debt collection

I have disputed the charges many times with Navy Federal, I dont own the debt and Ive never authorized anyone to obtain any debt in my name ... Ive called the police and made a report, I let them know that I believe one of my tenants used my information to attain credit and other things ... I dont have proof but he is currently incarcerated for some type of fraud.. the amount thats on my credit report is {$24000.00}