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

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) A ), You are required by federal law to verify- through the physical verification of the original signed consumer contract- all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( An original consumer contract with my wet signature on it ) you Have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my Ability to obtain credit under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts to be verified or remove Immediately.
Product: Mortgage

I am writing regarding timely processing and disbursements of Escrow Payments. I have had a mortgage with Santander for MANY years. In XXXX after the impact of Hurricane Maria I performed my first Insurance claim and everything ran rather smoothly. Now in XX/XX/XXXX with the impact of the Earthquakes I tried to initiate a new claim and then is when I find out that since XXXX Santander had cancelled my insurance policy and I have no coverage even though my Escrow account has the funds paid by me, Santander just did not perform the Timely Escrow Disbursement nor did they notify me. I continued to be charged the full monthly payment which included the Insurance policy portion. Santander is claiming that Santander Insurance cancelled the coverage in XXXX and that I was not notified because they were not able to contact me. This is hard for me to believe because I have had many calls with Santander Collection and Santander Loss Mitigation, every time I get a call I do respond. My house has been significantly impacted by the ongoing earthquakes and I have been pushed back and forth between Santander and Santander Insurance, each blaming each other but neither are assuming responsibility. We are currently in the peek of the hurricane season, which this year is a very active one. I have had XXXX XXXX XXXX just thinking that I have no coverage. Mr. XXXX XXXX ( Director ) at Santander reached out last week requesting information in order to get a new policy in place, when I asked status upon my claim of the damage he reassured that Santander will not be paying anything because there was no active policy.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquiry in my credit report XXXXXXXX XXXX XXXXPlease remove
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account XXXX XXXX XXXX, account number 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I owed Capital One {$290.00} in XX/XX/2015 & I paid it in full before the XX/XX/2015 deadline. I had sent a letter to Capital One previously that I was no longer using their credit card & CapOne responded by sending me a letter saying my card had been suspended, so cut it up. I then went on vacation & when I returned I had received an item that I had not ordered from XXXX, who said that Capital One had allowed a charge to my credit card, after denying the same charge 16 times, I now owed Capital One {$77.00}. I immediately sent {$77.00} to Capital One. Both of my checks for {$290.00} & {$77.00} cleared my bank, but Capital One refuses to credit these payments. Capital One has reported me to the credit agencies & sent 2 collection agencies after me, XXXX XXXX & XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Client/Consumer was hosptialized for chronic medical condition, and Capital One is refusing to adjust late fees and penalty APRs while consumer was in hospital. Capital One is also refusing to approve a new auto loan for consumer. Current auto loan is a vehicle with XXXX recall for airbags throwing shrapnel at passengers. Capital One also pre-qualified consumer for {$53000.00} on a new auto loan, then refused to approve the application.
Product: Student loan

I was able to get a forbearance with Navient, but I didn't ask for one. I am on the PAYE repayment plan. However, I went through a hardship financially and there were no other options given to be but a forbearance. They said I couldn't defer. I owe tons of money and my debt just keeps going higher and higher due to the interest. I paid constantly for 2 years on this program and never noticed it going down. Once I got the updated schedule for my PAYE plan with the forbearance, I noticed my interest will be over 33k in the end. This is highway robbery. I already paid enough to attend college and then expected to pay XXXX on top of that for interest. I am so disappointed in our system. Additionally, I have asked multiple times why my balance keeps going up and the response is always interest. I am so sickened that they feel ok charging students this much in interest. Additionally, I have auto payments set up. I was having issues deleting and still do a bank. When I emailed them, I got a default answer. I needed the bank removed and it was not working. This could cause a problem and bounce a checking account.
Product: Credit reporting or other personal consumer reports

" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the XXXX that XXXX  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. '' XXXX XXXX  and Barclays Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : under the written instructions of the consumer to whom it relates. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make XXXX  consumer report containing XXXX  of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Neither Equifax nor XXXX are allowing me to access my credit file. I can not dispute incorrect data. This is in violation of my rights under the FCRA. They do this everytime I file a complaint with the CFPB in what appears to be retaliation for complaining to the agency about them.
Product: Debt collection

XXXX XXXX had my contact information and instead of using it, chose to call my mother and pressure her. She said the debt was regarding my owned property ( it's not, it's a medical debt ). My mother called me to explain and I've since sorted the situation out directly with the billing company, the debt collection was rescinded. However, when I spoke to XXXX she was aggressive and lied several times. She told me that there's no way to know when the debt would be submitted to the credit agencies, so I should pay immediately - trying to pressure me into paying without researching the information or even receiving the billing information. She told me that we could postdate a form of payment and tried to pressure me into paying that way ( again, without giving me any of the bill information or time to reach out to the billing company directly ). XXXX likely knows the laws and was looking to skirt them for her own gain, but clearly has crossed at least one line.
Product: Debt collection

Portfolio Recovery Associates has repeatedly called me from different numbers, in different states, and will not tell me who they're working for until I tell them my personal information. I have blocked at least 20 numbers, most of them from Washington state, and the latest from New Mexico.

This company also took me to court which I knew nothing about until I started getting mail from layers in my area about someone taking me to court, which I never heard about from Portfolio themselves. I had to find it through my state 's court records and found it that way. It has since been dismissed by the county, but it's now on my record. I could understand this harassment for a large sum of money, but for the amount I owe? This is plan harassment.
Product: Mortgage

I purchased my house in XX/XX/XXXX and after 2 years my payments went up, so I called Wells Fargo to find out why this happened. That is when I found out that I have been given a XX/XX/XXXX with an interest only loan and an XXXX intrest rate. Tried getting a loan modification through Wells Fargo but they stawled me and did n't do anything about it, by that time I was served a summons of forclosure and my second mortgage had file a lawsuit having my bank accounts frozen. This all lead me to a Chapter XXXX in XX/XX/XXXX and XX/XX/XXXX I received a forclosure sale date. To stop this I had to file a Chapter XXXX, so here I am facing an obligated trial plan of {$3300.00} for just the first loan and with a hearing date of Monday XXXX, XXXX and obligated to take this payment to save my home. 
This was my American Dream to buy a home and have a Bank ( Wells Fargo ) destroy my financials and on top of this if I accept the trial plan I would be forgiving them for everything they put me and my family through and on top of this losing our home.. 
I have hired attorney 's and loan fraud audits but Wells Fargo do n't care the just proceeded with the foreclosure process. I asked my attorney if he can present an offer since I am willing to make payments of {$2500.00} for 30years but he does n't want to present it. This is unbelievable.
Product: Debt collection

In XX/XX/year> I paid off my full balance of what was owed online. It showed a XXXX balance with no future payments. I received no further communication of a past due account, no right to cure. I did receive phone calls from a number that showed likely a scam. So I ignored it. I received no email from the company about a past due amount, no other forms of communication. Finally I answered the scam call just to tell them to stop calling so much, and they said they were from TD bank. I asked who that was cause I don't know a TD bank. They said they wouldn't tell me unless I gave them my personal information. I told them I wouldn't tell them my person information unless they told me who they were. They wouldn't, so we ended the call. Many days later they were XXXX again calling many times, so I answered. Then they said it was about my XXXX account. Then I recognized the inquiry. They said I was many months past due on the account. I told them that's impossible cause I've received no email or anything stating I was past due. They said they tried calling, and I wouldn't received anything cause I selected no paper statements. They said they don't send out right to cures or anything indicating a past due amount. Only statements but I selected no paper statements. I asked to a manager, but they wouldn't give me one. They kept giving supervisors and said the managers were too busy. They stated they submitted to the collection agencies of my account being past due. That they'd be willing to get rid of the late fees, but the reporting of the account only a manager can do. So I kept requesting a manager so I could state my case, but they wouldn't give me one. They placed on the account for a manager to call but only associates kept calling, with no help in reaching a manager. They never took off the late fees like they said they would, and had a complaints department supervisor call me instead. She then lied about paper statements going out, after an associate telling me paper statements didn't go out due to me selecting no paper statements. They've continued to call and harrass me after I've asked them to only have a manager call me. They've had no other way to contact me aside from calling me from a number that comes up a scam. This all could have been taken care of and no late charges or reporting if they had alternate way of contacting me about a past due amount. Text, email, Right To Cure, etc. They had both my email and my phone number. But utilized only XXXX way to contact me. I feel their lack of ways to communicate have put my account into negative standing since the account showed a XXXX balance, and I personally didn't make any purchases.
Product: Debt collection

receivables performance management has been calling my personal phone nonstop asking me to verify personal information but when asked what its in regards to they hang up. now they are calling my place of employment, i dont know if they are even calling for me because any time i ask them a question they hang up.
Product: Credit card or prepaid card

I have had a Capital One credit card since XX/XX/2013, and recently received a notice from XXXX, a settlement agent, supposedly notifying me that I am a member of the class in the Capital One Customer Data Security case. That notice is attached. 

The notice was sent to my address, but with a celebrity 's name, the former XXXX player XXXX XXXX ( XXXX XXXX XXXX  ), who played for the XXXX XXXX XXXX XXXX XXXX, instead of my name. 

I have lived at this address for many years, and it is the only address associated with my Capital One account. My name is the only name that has ever been on my Capital One account. I have no connection to XXXX XXXX in any way, shape or form, and am not even an XXXX fan. 

I have contacted XXXX twice by phone at the number provided ( XXXX ) to resolve this discrepancy, and it has refused to assist. Its representatives will only say it sent notices to names and addresses provided by another party. I have requested contact information for that party so I can investigate and correct what appears to be a data entry error, identity theft or fraud, and XXXX has refused to provide that information. It has no information as to how or why a retired XXXX star is shown as living at my address. 

I have also contacted Capital One itself, with the same results. Capital One will not confirm whether or not I am a member of the class, and it can not /will not explain how XXXX XXXX XXXX connected to me. 

I have been the victim of numerous other data breaches as well as a computer hack from overseas, and I take the security of my personal and financial information very seriously. Consequently it is extremely important to me to get to the bottom of this matter. 

If I am a member of the class in this lawsuit, I certainly want what I am entitled to under the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and noticed that TransUnion is reporting 2 things incorrectly. The first was XXXX XXXX XXXX showing in Bankruptcy and that is not correct. An account with XXXX  XXXX which is an unfamiliar account and I still do n't know who this is. I have disputed several times trying to get the two things resolved to no avail. If there is anyway your company could help me I would truly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not update the exact accounts as that XXXX has. It's fraudulent activity that XXXX is not updating all the accounts on my credit profile which are current and never late. XXXX update score by approximately 50 petcenr.with the same accounts that on XXXX. All my accounts are exact. They are not following the law. I will Perdue legal action if necessary to be treated fairly with my credit profile being updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX, XXXX XXXX/XXXX/2022 XXXX/XXXX/2022
Product: Mortgage

I have sent CFPB a complain early this year, case number XXXX and XXXX, regarding my mortgage modification with XXXX XXXX XXXX and Seterus. XXXX gave me a modification on XXXX XXXX, but then the loan servicer transferred to Seterus after that. I have paid all the XXXX required payment to make the offer final. However. Seterus starting to return my payment from XXXX XXXX, I was not able to get a solution, which forced me to contact CFPB. Now, after a whole year of struggle, I have got a Seterus offer, however there are substantial difference which I want answer but not get yet. 
I have talked to XXXX XXXX ( loan owner ) and Setetus, but was told that I had better to sign the contract otherwise it will be void and I will have to go through the whole process again. 
The new offer did not even give me a full account of how the total amount of the loan is calculated, why there are substantial difference between the terms and conditions of the XX/XX/XXXX and XX/XX/XXXX one. This loan is going to be with me for 40 years. How can I be expected to sign something that is not clear to me? I have got a letter recently from Seterus, in the letter Seterus admitted that there are errors in calculate the loan amount. How can I be expected to sign it when the offerer already knew something is wrong in the offer, and not yet correct it? 
My concern is that the deadline of this offer is XXXX/XXXX/XXXX, which is 7 days later. Although I have a written question list sent to Seterus, I have not get any answer yet. Although Seterus admitted that its offer has errors, it has not corrected it. My XXXX payment to the offer is been returned by Seterus, just as my XXXX payments to Seterus. All these evidence signaled me that Seterus did not really want to give me an offer as the one XXXX gave me. Seterus just wanted to appear that they gave me an offer! All they want is to have me to start the whole process again and force me to pay a lot more than what I have been offered now!
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate closure of my XXXX XXXX account, which I have never used, and to demand the cessation of inaccurate reporting of this account as a loan to any credit bureaus. The {$8.00} reported on my credit report is not a loan and its representation as such is false and unauthorized. 
The continued presence of this inaccurate information on my credit report is causing me undue hardship and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and authorization of information provided to credit bureaus. 
Therefore, I am requesting the following actions be taken immediately : Close the Account : Close my XXXX XXXX account with XXXX XXXX , XXXX. 
Cease Reporting : Stop reporting any information related to this account to any credit bureaus. 
Notify Credit Bureaus : Contact all credit bureaus to which you have reported my information and request the removal of any records related to this account that you have submitted. 
Provide Confirmation : Provide me with written confirmation that the above actions have been taken within 15 days of receiving this letter.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX  - Account XXXX List of Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National Credit Systems is trying to collect a debt on behalf of XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  are saying I owe rent which is not true. I am on XXXX  XXXX. I always paid my portion of rent and XXXX XXXX XXXX XXXX is responsible for the rest. I moved out XX/XX/XXXX  and any rent and cleaning fee was taken out of my deposit. XXXX XXXX XXXX XXXX reversed rent for XXXX due to my lease ending and I no longer lived there. The account is not owed by me nor is it correct.
Product: Debt collection

I paid a workers compensation bill for {$50.00} that went to Collections even though it was an accepted workers compensation claim from XXXX XXXX XXXX. However even after paying it over a month ago, I continue to receive threatening notices from the collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Expieran are refusing to remove fraudulent information from my credit report. I have submitted all proper documentation under the law - and yet they refuse to remove the info.