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

I will be disputing these accounts with screen shots of contradicting information. along two credit bureau. Although it is not illegal for capital one to report rolling charge offs they are required to be 100 % accurate, WHICH THEY ARE NOT. I also never received a 1099c to explain the charge off income on my tax return. These violations have severely damaged my life as it is impossible for me to take advantage of opportunities that come to those with good credit. I went thru a horrid time when I was forced to retire due to XXXX  and cap one not only sued me but are reporting these two accounts every month as new charge offs. This to a XXXX veteran on a fixed income on two accounts that I was never late paying for years. Section 1681i requires accurate reporting. section 1681s-2 imposes duties on data furnishers to ensure accuracy. Both of these codes in the FCRA are being violated. 

Capital One ; no account number reported, balance {$8300.00}, XXXX and XXXX Capital One ; no account number reported, balance {$3400.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There's a suspicious credit inquiry on my TransUnion credit report that I did not authorize nor applied for on XX/XX/2022 by XXXX XXXX. This appears to be an error by the creditor/TransUnion and/or possible theft of information.
Product: Mortgage

I was recently switched from the XXXX  XXXX XXXX XXXX to XXXX loan servicing c/o Loancare for my mortgage. I did not apply for this change but I understand that mortgage servicers can sell loans. 

Since the start of my mortgage, I have auto-paid half on the XXXX of the month ( or close thereafter based on bank availability ), the remaining half on the XXXX of the month ( or immediately thereafter based on bank availability ), for payments that are due the subsequent XXXX of the month. For example, for a mortgage payment that is due XX/XX/19, I paid half on XX/XX/19, the remaining half on XX/XX/19, and the mortgage due XX/XX/19 was paid with those proceeds. 

Loancare recently received a half-payment XX/XX/19, a second half payment XX/XX/19, for a mortgage payment that was due XX/XX/19. Instead of applying the amounts to the payment, they chose to misdirect my first half-payment on XX/XX/19 to unapplied principal, which was not at my request or discretion. This caused the payment due on XX/XX/19 to be listed as " late '', with an additional {$1100.00} still owing. 

I would like you to punish Loancare servicing for making this change that was not in accordance with how my past payments have been processed. I would ask you to force them to reverse whatever the XXXX they did with the XX/XX/19 payment and apply it to the regular mortgage payment. I would ask you to force them to make any corrections with the credit reporting bureaus that might have occurred due to their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 auto loans with the same company. All loans were paid and closed in XX/XX/XXXX. The date of last action on my credit report should be between XX/XX/XXXX and XX/XX/XXXX however i just got notice from XXXX that there was a new late pay from this company. This is impossible since the only loans i had from this company have been paid and closed.
Product: Debt collection

I called the company for a balance on a current debt that I was paying off because they did not update the computer and my online account said that I still owed the full amount. Upon calling, the representative said I had another account. I told her I did not know about that account and she said it was probably because the bill was sent to an old address. Although, the company has my current address, I updated my address with them. After hanging up, I realized that the address they sent the bill has someone who will hurt me if she finds me living there. I called back and asked why they sent the bill to an old address when they have the current address on file. She told me that they did not send the bill and that is not what the first representative said and that all calls are recorded. I told her my lawyer will be subpoenaing that record. She said she was going to get a supervisor. The first girl got back on the phone and tried to tell me that is not what she said. I tried to tell her that she did say that. The so called supervisor got on the line and told me that they can not control when they get bill. I told him that was not the issue. The issue is that they sent to the wrong address when they have the correct one on file. Also, that they put my life in danger. He tried to argue. I told him that my lawyer will be subpoenaing the records. He said get your lawyer and hung up. I called CFPB and the representative told me a few things to protect me against scams. I called back later without giving the representative any information and asked for their license number. At first, she told me she did not know what I was talking about. She put on hold a couple times. Finally, she told the company did not have one.
Product: Debt collection

I File dispute letter with the credit bureau also with the CFPB about this debt. The debt collector responded back to the CFPB stating that they had no knowledge of the debt that is on my credit report however the credit bureau ( XXXX ) Is still reporting this debt ( Global lending services ) I ask the credit bureau XXXX to delete that account immediately after XXXX disputes I have put in about this debt and still the account is been reported also after I filed the complaint with the CFPB and they still have not giving a response to that complaint as well I have no knowledge of this debt that is hindering my creditworthiness. Please see attachments.
Product: Bank account or service

Wells Fargo Bank 's attorney XXXX used fraud to push through a settlement agreement that was not jointly drafted and an agreement I never agreed to, as evidenced by his signature on the attached settlement agreement that does not include my signature. 
The statement that, " This Agreement isentered into and executed voluntarilyby each of the Settling Parties hereto andwithout any duress or undue influenceon the part of, or on behalf of, any such party '' which was signed by Wells Fargo and their respective attorney XXXX or XXXX is a false claim. 
Please see the attached executed settlement agreement without my signature, and my Opening Brief asking the XXXX for a ruling on fraud, and the environmental report establishing further remediation is necessary. 
XXXX assisted fraud is still fraud, and XXXX also failed to comply with the terms of the written agreement that they themselves drafted following the settlement conference. To be clear, I have never been paid any settlement fund proceeds by Wells Fargo Bank, and I did not jointly draft or agree to the settlement agreement attached. Their fraudulent acts left me in a contaminated living environment that is injuring my health as evidenced by the environmental report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and disputed fraud. They will not remove
Product: Credit reporting 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, A has violated my rights.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting this information be removed from my consumer reports immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern over inquiries that have been reported under my name, which I did not authorize. These inquiries were not conducted by me, and I did not give any companies permission to report them. I am uncertain how this happened, and I request a thorough investigation to clarify this matter.
Product: Student loan

We contacted Nelnet and we believe they process my income driven repayment plan incorrectly. I received a letter on XX/XX/XXXX that my payment would be {$480.00} for 12 months beginning on XX/XX/23. Subsequently I received another letter XX/XX/XXXX state the payment increased to {$1100.00}. I believe they are not accounting for my spouse 's XXXX dollars in student debit in their calculations.
Product: Student loan

Sally Mae put my loan out of forbearance and wants an increased monthly payment of XXXX XXXX  month. Will not lower monthly payments or work with me since I have a cosigner. Calls 3 times a day for debt collection and has found my family phones numbers and is now calling them several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on the phone with all 3 Credit Bureaus also Capitalone I told Experian I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications XXXX be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess
Product: Student loan

I attended XXXX XXXX University in XXXX, Virginia. Recently, I applied to get my student loans with Wells Fargo modified because my current income can not support my monthly loan payment in addition to my other bills. I was denied my request because the lender stated that to modify my loan payment to 10-15 % of my monthly income would not be financially beneficial for the lender. Wells Fargo does not want to modify my loan because it would not increase their revenue from the loan, however, they also agreed that I could not afford to make the large monthly payment. This seems largely unfair to me as the borrower because I would just need my payments to be lowered until my financial situation improves. I asked if I had other options and I was informed that there were no other options for repayment. I was told that I would have to somehow pay the large monthly payment even though Wells Fargo determined that I could not afford it.
Product: Debt collection

I have two collection accounts on my XXXX Credit Report that is being reported by a collection agency names Professional Credit Management in XXXX Arkansas that is reporting negatively on my credit report. I have attempted to clarify to the agency that I have never signed a contract with them to pay them any money in reference to this medical debt. I sent them a debt validation letter by certified mail requesting they validate such debt and they responded without the complete paperwork requested to validate the debt at which time I requested the remove these items from my credit file. I was met by the manager of the collection agency XXXX in a very rude and explict way informing me she and the agency would not follow the FCRA guildlines that she didnt give a XXXX about the FCRA and it will remain on my file. XXXX XXXX XXXX claims they sold the debt to them for collection and could not help so i am reaching out to you at FTC for help. This is not only showing a balance which is inaccurate information on my credit report because by FCRA guildlines anything that reports as a collection should not be showing as an open account or a balance. Will you please help me do the right thing and get these items removed from my credit file per FCRA guildlines? Thank you very much for your help solving this urgent matter... ..XXXX XXXX
Product: Mortgage

respected sir/madam i had submitted my complain before and it was closed, no proof of verification was provided as there was a big big mix up in the mortgage transfer, sps is just going by one modification paper but i have made biweekly payments and extra principal in the five years also XXXX XXXX  had send me a document stating they are reinstating the loan i had provided the document which XXXX XXXX has mailed me with the immortaliztion dates and rated please help me. 
i still beleive it is not fair when it clearly stated on the last paragraph of the letter by XXXX  there are no changes in terms and conditions then how come sps dont do biweekly payment as XXXX XXXX it is false statment. when i was assured nothing was changing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit percentage has not been updated currently. I had the same credit score for almost two months with no updated account information. I paid off all collections accounts in full within the 2 year agreement. Over XXXX points was taken and promised to be put back on my credit report by creditors if I paid within the time. All my credit accounts are paid below 30 percentage. XXXX XXXX XXXX XXXX  trans union, XXXX, XXXX is not updated my credit score. My perception is that I am being discriminated against because I am XXXX over XXXX. This is hindering me from getting any future credit cards, loans, to purchase a home etc. if I were to use any accounts they would decrease my score in minutes.
Product: Mortgage

Closed on my home in XX/XX/XXXX, U.S. Bank bought the mortgage in XX/XX/XXXX but there is still noting listed on our Credit Report, we are being denied credit because we do not show as homeowners on our credit report. Contacted U.S. Bank, where I was immediately directed to collections, even though I have NEVER been late and was told that as a courtesy they reported me to the bureaus late! What courtesy is that. I want my mortgage listed on my credit report as the law states it should within 30 days!
Product: Credit card

i was trying to buy an XXXX card in XXXX and got the scammed cause the buyer sent me fake codes that didnt work / were already used
Product: Debt collection

What is tax evasion? " Tax evasion is an illegal attempt to defeat the imposition of taxes by individuals, corporations, trust and others. XXXX XXXX has a strict Rule when it comes to Intangible & stamps taxes due on instruments. See Florida statute 199.282 ( 4 ) - '' No Mortgage, deed of trust, or other lien upon real property situated in this state shall be enforceable in any Florida court ... ..until the nonrecurring tax imposed by this chapter, including any taxes due on future advances, has been paid and the clerk of circuit court collecting the tax has noted its payment on the instrument or given other receipt for it ". 
201.08 ( 1 ) ( b ) '' The mortgage, trust deed, or other instrument shall not be enforceable in any court room of this state as to any such advance unless and until the tax die thereon upon each advance that may have been made thereunder has been paid ''. SPS contents to have enforcement over two loan modification agreements. One dated XX/XX/XXXX, by XXXX and the other dated XX/XX/XXXX by Select portfolio servicing. The lender has evaded the Intangible & stamps tax imposed by Florida Statute on both instrument, which deems the instrument a NULL and VOID until such advances on the new contract have been paid. The statute mentioned above are straight forward, a lender will never have any enforceability until the taxes due are paid. Can the lender record the instrument at this juncture? The short answer is no. Both loan modifications reveal that it was never notarized, nor contain the legal description of the property. XXXX XXXX will not accept any instrument for recording unless the lender provides the ORIGINAL INSTRUMENT REFLECTING THE ORIGINAL NOTARIZATION. Can a judgment be entered on a property where the new mortgage fails to contain the legal description? See Florida caselaw ... .XXXX XXXX XXXX XXXX v XXXX XXXX... A judgment shall never be entered until the issue surrounding the legal description on the instrument is fixed. Under Florida law a judge will allow for the bank to fix the issue but in the event the issue can not be resolve, the judge has no other alternative to dismiss the case. In order for the instrument to be fixed, it requires the signature of the debtor. We are not signing anything. Select portfolio has been given enough time to correct their tax evasion error. Select portfolio is fully aware they must dismiss the case, the statute is straight forward as mentioned before, in non legal terms " you can't pass go, " you can't collect XXXX XXXX dollars '' just like in the XXXX game. Because you have failed to set aside the non-enforceable instrument we are now contacting the following : Florida tax collector office, Inspector General, XXXX XXXX attorney Office, Department of Justice XXXX IRS, Florida Attorney General. No one in the United Sates of America can evade taxes, not even XXXX XXXX. Want to put this to the test? watch me
Product: Credit card or prepaid card

Order # XXXX for $ XXXX policy is when the item ships they then take the money out of people 's bank accounts.Many times on many orders they told me it's just an " auth hold '' for the money but yet the money is ( debited ) gone from my account and I go check to see if the item is shipped and I am told the package has not has not been shipped yet and it takes several more days for the package to ship.I have asked many times for them to follow their own policy of removing the money only when the item ships, not " taking '' ( auth hold is still taking/debiting the money because lowers my balance ) the money.Because if it is only an " auth hold '' then they can not mark it as shipped or lower the balance of my bank account/debit card balance.Read XXXX  XXXX policy as well as checking the dates for removal/auth hold of my money and the shipping dates of the items for the proof of XXXX violating their own policies and paypal/netspend helping them do it due to lack of communication between eachother.I wanted to have this investigated immediately with my debit card company card paypal prepaid/netspend but they refused saying " This transaction is pending so we can't so anything until the transaction is completed '' delaying the reporting process.Either way it's up to paypal prepaid/netspend to verify if the package/items have been shipped before allowing funds to be held/removed from customers accounts.This is not the customer 's problem.This is between paypal prepaid/netspend and XXXX.They refuse to investigate and say that the dispute process is only for not receiving items or wrong amounts being charged on account.They don't care in the slightest about assisting companies in violating policy.They refuse to investigate.
Product: Student loan

I was on a call with Navient Rate Reduction team speaking to XXXX XXXX. During the call I ask if she could relook at my account to see my options again about being on the rate reduction plan. I asked informative questions and with getting minimal response back I asked her to explain in more detail and to help me better understand. The amount of the payment plan had increased from last year and she stated that the interest rate would not change from last year. But mathematically it was not adding up so I asked her to please explain in detail, to have me better understand the break down. Eventually she became overly aggressive. After several times of stating that I was not trying to frustrate her I was just trying to get clarity her aggression heightened. She then with anger told me that she was getting her supervisor to speak to me. I restated that there was no need to be aggressive and her response : " I am not being aggressive you 're just not accepting my answers. '' Again her " answers '' were not informative. XXXX of her " answers '' during the call when I asked her to verify the breakdown she claimed that the private lender can " change how they do things simply because! '' How is that a legitimate answer to a question regarding a breakdown and what factors are included in this calculation of this " rate reduction plan ''. 
The call was unprofessional and my questions regarding my private loans still remain unanswered.
Product: Checking or savings account

On XXXX XXXX, I was charged twice with a vitamin company in the amount of {$410.00}. I receive SSDI benefits through a company called Direct express where benefits are available to me monthly. On the month stated I filed a Fraud investigation because the vitamin company charged me for vitamins on a free trial basis and unfortunately I missed the deadline to cancel that trail. I contacted the company to let them know that I was no longer interested and right after contacting the company, they sent another package to me. I immediately returned that package but was charged twice through my Direct Express card. I immediately contacted Direct Express with no luck talking to someone, finally I was able to talk to someone a day or two later and I was told that because It was filed as a Fraud transaction that I was given the money until it was investigated. On XXXX XXXX, I received a letter saying the {$410.00} was reversed because not enough information was found. I talked with numerous customer service agents and nothing has been done to return the money I am owed. The vitamin company has received two payments from me and I have returned the second package and Direct Express still will not return my money
Product: Mortgage

My mortgage servicer, Freedom Mortgage, is continuing to charge me monthly private mortgage insurance even though I have met the requirements for PMI cancellation and have requested cancellation numerous times. 

It has been more than 30 days since I requested PMI cancellation. Freedom Mortgage tells me I need to get a broker 's price opinion. I submitted the required paperwork and fee for the BPO. Freedom Mortgage cashed my check for the fee but has refused to schedule the BPO. I have phoned them numerous times in an attempt to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted prior disputes regarding XXXX XXXX XXXX Accounts that are on my credit report. Experian is not allowing me to dispute these accounts despite the requirements of Regulation F not being met by XXXXXXXX XXXX, in violation of Federal law. These accounts should have been closed and removed as they have not been validated.