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

NOTICE TO AGENT XXXX NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA.

I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting inaccurate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

During a very slow and painful loan modification XX/XX/2015 our mortgage company, Ocwen, stopped paying our mortgage insurance from our escrow account. We were assured that once the modification went through, payments would begin again and bring the insurance premium current. Our modification was completed and I assumed payment had resumed as each mortgage statement included the amount for the premium. My husband passed away on XXXX XXXX, 2015. I called the insurance company to make a claim and was told that no payment would be made because the account was severely in lapse ( only brought current through XXXX 2015 ). Ocwen was made aware of the problem and I was told that yes, they had not made payments on certain dates, causing the policy to lapse. Nothing further was done. I called again on XXXX XXXX to make a formal complaint and was told they would look into it. Each week since that time they call to inform me that they have n't forgotten about me, but nothing new has been discovered. I understand that some research must be done, but my husband has been gone for 4 months now and I have continued to pay my mortgage on time ( plus additional towards principle ), as I have done each month in the past. I would very much like for this issue to be resolved quickly ( or as quickly as possible ) and I feel that Ocwen is dragging their feet in the hopes that I will give up and forget this issue. It seems that this is a common practice for Ocwen as we have experienced this behavior in previous dealings, which once included another formal complaint being made on our behalf by our Congressman 's office.
Product: Debt collection

I sent OLIVER ADJUSTMENT COMPANY a letter to validate the debt I supposedly owed them. They received it certified mail with return receipt on XX/XX/2022. I asked proof that the statue of limitations hasn't expired and how they calculated the interest and fees, proof they own this debt and original documents bearing my signature On XX/XX/2022 I received a letter from Oliver Adjustment Company and the information they sent over was unresponsive to my original demands. Not only that, they violated XXXX by sending over my procedures, diagnosis codes and a lot of other XXXXrotected Health Information. I NEVER requested. I never signed a XXXX form requesting them to access and send over my medical history. They even send me extra balances on other PHI on procedures that not even being reported on my credit report. I sent a violation of XXXX letter and it was signed for and received on XXXXThey have violated my rights. Please delete this information from my credit file and cease all collection activities immediately.
Product: Checking or savings account

I opened a bank account with SoFi recently. They froze my account over the weekend ( XX/XX/2022 and XX/XX/2022 ). I have called multiple times and left voice mails. They don't respond. I called again on Monday ( XX/XX/2022 ) during business hours and again couldn't reach anyone. I can't contact them through the live chat since the response automatically says to call the phone number. I need to access my bank account and they won't let me. This experience has been documented by others as well.
Product: Debt collection

I have attempted to contact PDQ Services Inc. after discovering them on my XXXX report for a debt in the amount of {$2000.00}. I spoke with XXXX XXXX and informed him that I was not aware of the debt and had not receive any type of correspondence regarding this debt. He informed me of the address they had on file. I asked if he could send me verification of the debt. I received one piece of paper stating the amount of the debt and the original creditor which was an apartment complex by the name of XXXX XXXX. I had never rented from that apartment. so I contacted the apartments directly and they had no record of me living there. I attempted to contact PDQ Services and spoke with XXXX XXXX again advising him that I wanted a full detail validation of the debt. He refused to provide any information. He then hung up on me and has refused to take my calls or return calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are being denied Housing due to XXXX XXXX ( a third party servicer ) that no longer was a Servicer for my old Mortgage with NationStar LLC. My old Mortgage of $ XXXX was sold to XXXX XXXX who had XXXX XXXX be there Third party Servicer in XX/XX/XXXX. On the XXXX report that These Property management companies and Mortgage loan places are Recieving is that there were two combined mortgages at a Grossly Incorrect balance of {$420000.00}. ( XXXX  XXXX XXXX ( In XXXX this mortgage was sold to NationStar at {$210000.00} & Seterus, a third party servicer at {$210000.00} at a total of {$420000.00} ) is showing up on my XXXX Report. Please get removed Immediately. We are being Denied Housing due to this. Thank you. Best regards, XXXX XXXX and XXXX XXXX
Product: Student loan

why is it hassle, why did it take so long, what's the hold up, what's the purpose offering the awards letter and bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  dealership cold called me on XX/XX/2023 and informed me that they had obtained my information from company that sells information to which they didnt give me the name of and since Im In the market for a car I told the person to let me browse their selection first and that is all. The following day I get a notification that they had done a hard pull without my consent or even knowledge. I called several times and all times I was told I the called was being transferred and no one answered and I kept being sent in a dial loop and left messages as well and they never got back to me so much for their family values and their customer service. Not only did they break a consumer law but they refuse to be of any help to fix it.All my calls were done before XXXX but for someone reason everyone was out for the day. This is extremely frustrating and upsetting because Ive spent a lot of money recovering from identity theft just for someone to be so careless, inconsiderate and non complaint with not only their mission statement but with the law as well.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX. I RECEIVED MY CREDIT REPORT FROM XXXX AND IN THE SUMMARY REPORT SHOW THE DIFFERENT ITEMS FROM TRANS UNION LLC, XXXX CREDIT BUREAU, XXXX XXXX XXXX XXXX. 
UNDER 15 U.S. CODE XXXX FINGS AND STATEMENT. CLEARLY WITH THE SUMMARY ENCLOSED YOU WILL SEE THE DIFFERENT BALANCE FROM ALL THRE CREDIT BUREAUS. 15 U.S. CODE 1681-2- RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON XXXX HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INACCURATE. A SUMMARY OF MY RIGHTS UNDER THE FAIR CREDIT REPORT XXXX RESPONSIBILITIES ON ALL FPERSON WHO FURISH INFORMATION TO CONSUMER REPORTING VIOLATION OF 15 U. S. CODE 1681 THE INACCOURATE INFORMATION HAS IMPACTED MY CREDIT REPORT THAT I CAN NOT APLY FOR ANY CREDIT CARD. THE FALSE REORTING FROM TRANS UNION, XXXX AND XXXX HAS AFFECTED MY CEDIT REPORT WHICH HAS CONSEQUENCES OF ERRONEOUS ENTIREIES ON MY CREDIT REPORT IS MISLEADING UNDER ( FCRA ). THIS INACCURATE REPORTING IS AFFECTING MY EMPLOYMENT OPPORTUNTIES OF GETTING HIRED FOR BETTER POSITIONS.
Product: Credit reporting or other personal consumer reports

after noticing accounts i did not open on my credit report XX/XX/year> i mailed in to the credit bureau disputes based on identity theft. all required documents were mailed VIA USPS. no response has XXXX received to date. 3 accounts were opened with out my permission knowledge or consent by my x wife using my personal information she became familiar with during are marriage. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX 
XXXX XXXX 
do too the fact the agency failed to do a investigation respond to requests for documentation or responded at all is a violation of federal law. the FCRA as well as the FTC require the credit bureaus to remove and block accounts after submitting a valid identity theft report ( XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement : Pursuant to 18 usc 8 I do not owe debt to the companies listed nor did I reach out for credit with any of these companies either. These companies are violating my right to privacy pursuant to 15 usc 1681b. I did not give any of these companies permission to run my credit nor report any information on my credit report pursuant to 15usc 1681-4. No contract companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. XXXX XXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX XXXX XXXXXXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXXXXXX XXXX XXXX ACCT # XXXX BEING CHARGED TWICE FOR THE SAME DEBT 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My name is XXXX XXXX, I need to write a complaint against regions bank for allowing my account to be overdrawn due to a fraudulent transaction. Someone used my account information to purchase from a store called XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX est, I have never shopped there before so I was confused as to why Im being charged XXXX for a transaction that was never authorized. I have tried to dispute this transaction but was told there's nothing they can do until it posts. Which makes no sense to allow since its not an authorized transaction to begin with. I feel like my account was hacked due to a security breach at this bank and need to file a complaint to get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently contacted XXXX XXXX regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  / XXXX. 
Opened XX/XX/XXXX {$9800.00} XXXX XXXX  XXXX XX/XX/XXXX {$9600.00} XXXX XXXX  XXXX XX/XX/XXXX {$4800.00} XXXX XXXX  Opened XX/XX/XXXX {$4400.00} XXXX XXXX  Opened XX/XX/XXXX {$2100.00} My information XXXX have been impacted by the XXXX, XXXX and XXXX XXXX Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715 , 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information I am writing regarding a debt collection matter that has been reported on my credit file. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

Please cease and delete immediately Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I called Transunion about putting a fraud alert on my credit report because of many unauthorized hard inquires. I have contacted these companies and they said they were done online. They told me to dispute them with the credit bureaus. they were not done by me and I asked 3 times to Transunion to remove them and they are telling me to call all the business again and get a delete letter. they aren't willing to do that even though I told them that I did not authorize these inquires.
Product: Debt collection

The company called my number and asked if I was the person they attempted to call. From there they said they were calling to get information about my ex. Why are they harassing me about getting in contact with her, and why they asked to verify if I was me on a recorded line. They should not be contacting anyone other than the person who has a Debt with them directly. I called the number ( XXXX ) and asked who they were and and what is their business. He told me Williams & Fudge but declined to said what is their service industry. This is an unethical business practice.
Product: Consumer Loan

I was involved in a car accident on XXXX XXXX 2015 and I contacted GM Finical a few day after that and spoke to the total loss department and advised them of what had happened. I recived a letter stating that they are aware of the total loss. XXXX XXXX paid GM Finical the full amount owed on the loan on XXXX XXXX 2015 and they did not process it until the XXXX XXXX 2015 and than reported to the all XXXX credit bureau that I was 30 days late and now has decreased my credit score XXXX points and I can not purchase another car until they correct it. I contacted customer service and I was told that XXXX would have to write a letter why it was late and I had XXXX fax it to them and verified that it was received and it was over two weeks ago and was told it would take up to XXXX hours to process and I contacted them today an nothing has been done.
Product: Mortgage

For over 22 years, my mortgage agreement with Nexbank did not require windstorm insurance, and I have maintained continuous coverage with an exclusion for windstorm damage. This exclusion is explicitly permitted under Florida law. They are trying to enforcie a policy requirement that never existed in our original contract. 
Their unilateral decision to force-place windstorm insurance without my consent or any contractual provision allowing them to do so is a material breach of our agreement. Nowhere in our original mortgage documents is there a clause stating that I must carry windstorm insurance, nor have I ever agreed to such a requirement. Florida Statute Chapter 627, Section 712 states that an insurer must make windstorm coverage available but allows the policyholder to opt out of such coverage. I have consistently exercised this right, and my policy has always excluded windstorm damage. 
Their claim that my windstorm coverage " expired '' is demonstrably false. Since I have never had windstorm insurance, there was nothing to expire. It is deceptive and misleading to assert otherwise. Additionally, Nexbank 's letters dated XX/XX/year>, and XX/XX/year>, claiming that I failed to provide proof of windstorm insurance are based on a false premise, as no such requirement existed in our agreement. 
Unreasonable and Predatory Charges The forced placement of windstorm insurance on my property, with a premium of {$31000.00} for one year, is unconscionable. The county-assessed land value of my home is over {$300000.00}, and my remaining mortgage balance was approximately {$110000.00}. The imposed insurance cost is exorbitantly high, particularly given that no inspection was conducted to assess risk. Your justification that high-risk policies are expensive because they are " sight unseen '' does not align with industry practices. Most insurance companies rely on CLUE ( Comprehensive Loss Underwriting Exchange ) reports, which clearly show that I have never filed a claim on this property. 
Furthermore, numerous class action lawsuits against major mortgage lenders, including XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX, have established that force-placing insurance without due cause and at unreasonably high premiums is an abusive practice. Your actions mirror those that have led to significant legal consequences for these institutions.
Product: Student loan

I went to a XXXX university and like many other students, I took out private loans. After graduating in XXXX XXXX, I could n't find a job. I took the first job I could get paying only $ XXXX/hour at a XXXX. XXXX of my student loan payments was over {$400.00}. It would 've taken XXXX paychecks to pay it. I called to see if there was something they could do but because it was a private loan, there was hardly any flexibility. I did the best I could to pay it but I found myself scraping for pennies. I worked XXXX jobs, seven days a week in order to send in checks. I switched to the graduate repayment plan but overtime, I would pay more interest. Little did I know how my money was being applied. I apparently accumulated {$620.00} worth of late fees in XXXX and part of XXXX. I called to see if I could get these waived and the representative said they could n't do it unless it was an error on their part. I put in a request to speak to a manager but all they could do is say they 'll put in the request and have them call me back within XXXX hours. After a week of not hearing from them, I decided to call them back and they were finally able to transfer me. I told the manager my whole story and how I was going through financial hardship at the time and if there was any way I could get these late fees waived. I also added that it is SO frustrating knowing I worked too XXXX hard just so my money can go into late fees instead of paying off the high balance on my student loans. To no avail, the manager just said, " I wish there was something I could do but I know the request would get denied. '' I just feel like these student loans are the death of me. And there are no programs out there that could help. I 'm in the right track with these loans as of XXXX. I like to tell myself that I 'm doing the right thing by paying these loans instead of taking the easy way out and placing it through bankruptcy. But I feel like these lenders are n't willing to help in any way. They have the abilities to waive late fees and yet, they make it so hard on people who are trying their hardest to do the right thing and pay back these high interest loans.
Product: Credit reporting or other personal consumer reports

Lexis Nexis have false information on my driving record. I requested my driving record since XX/XX/year> and was refused. I requested it again on XX/XX/XXXX and XXXX after submitting documents that is required and was refused. 
Lexis Nexis is reporting false and inaccurate information from XXXX XXXX  without investigating its accuracy No where in my drivers record for the state of Massachusetts is these inaccurate reports. 

I made several complaints regarding this agency. What are you going to do A ) they refused me my driving record B ) they are reporting inaccurate information that is not on my driving record in Massachusetts XXXX ) they are refusing because they know what they did is wrong, illegal and violates our consumer rights. 
D ) what steps does CFPB takes to ensure consumers protection against such behavior Lexis Nexis is also violating my consumer rights, after I requested my credit file they think they are slick sending me opt of information and I ignore them