23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX at ECMC repeatedly asserts that ECMC is not the " correct company '', yet via email she does have documentation related to my loan. So, obviously ECMC IS the CORRECT COMPANY. 

In addition, I previously attached a copy of one of the threatening letters I have received from ECMC. 

She also claims that I have not made payments on this loan in over a year. That is absolutely false. For years, I have been and continue to make monthly payments to XXXX. 

Once again, I am requesting copies of any and all documentation pertaining to my student loan.
Product: Debt collection

Hello, I purchased a washer and dryer from conns home appliances in early 2021. The dryer had problems from day 1 with the door opening and barely drying clothes. We checked the exhaust vent but that was not the issue. When we went back to the store and told them we wanted a replacement for our faulty dryer, they told us the only option was to send out a repair technician and have them look at it. We refused and said we wanted a new one, but they told us the only way to do that was to return them, paying a 15 % restocking fee and buy new ones. As a result of this outcome I decided I was not going to do business with conns and elected to return them and buy a washer/dryer elsewhere. Unfortunately this was only the beginning of my nightmare. 

I moved forward with the return and had conns pick everything up from my house. We went to the store here in XXXX and spoke with the manager, who gave us a strong attitude about the fact we were returning these appliances. Regardless, we moved forward and paid the restocking fee. He also notified us we had to pay for the hoses as they could not take them back. We accepted and paid a return fee. 

Months later I started suddenly getting harassing phone calls from conns picking up the phone and directly getting to the point telling us we owe a balance of over {$1000.00} and asked me how Id like to pay. I refused and opened a case with conns where they told me it would be investigated. No one ever called me about the case, but they had no problem continuing to call me about a fictitious balance. Months continued to go by with no resolution to this case. We have several phone calls recorded where conns employees admit that in our account notes our account should be closed long ago. 

Skip ahead months later and Im now being harassed by collection agencies saying we owe over {$1400.00} to conns. I started a 3 way call with both of these companies which I have on record and will display as evidence as needed. The conns employee admitted once again that this account was supposed to be closed and the offline team will need to take a look. Again, we have this on recording too. 

I never got the phone call from the offline team, but I finally harassed them on their web chat for someone to look into my account further. They were very rude to me however I finally got them to admit that my account is supposedly not closed because of these 2 XXXX hoses that we were told could not be returned and were being paid for as part of the return. This is absolutely ridiculous as these were {$20.00} hoses and they should have been clear that this was the issue from day 1. The balance has been over {$1000.00} and increasing as they continue to charge me late fees. This company must be stopped, as they are thieves and conn artists ruining my credit and my ability to get a house for my family. If this continues much longer I will be seeking legal action for damages to my credit and well being.
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, Dept of ED/XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, Dept of ED/XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 : 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I XXXX XXXX, natural person and consumer, have an open dispute with GM Financial regarding an unlawful contract based on obvious TILA violations regarding the Finance charge. My account with GM Financial had an account balance of {$0.00} as of XX/XX/2023. On XX/XX/2023 GM Financial illegally tracked my vehicle, breaking my right to privacy, and Stole my Vehicle that I use for personal, family, and household needs. This theft was in retaliation to me enforcing my rights under the Truth In Lending Act. I have a current arbitration case with American Arbitration Association case # XXXX. GM Financial is in breach of contract by not adhering to the Arbitration clause in the contract. They are causing great injury to me and my family. It is my belief that GM Financials Attorney XXXX XXXX has advised them to take unlawful action against a consumer under the color of law. A violation of 18 USC 242.

GM Financial is guilty of tax fraud by reducing their tax liability through the inaccurate calculation and reporting of the Finance Charge associated with the contract in question. The Finance Charge on the contract attached is NOT the sum total of all charges payable as defined 15 USC 1605. They have also received tax credit for a profit loss write off and then unlawfully seized property that was not rightfully theirs.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX has inflicted undue harm on my financial reputation and stability. XXXX XXXX XXXX XXXX XXXX : {$1000.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we make a payment of ( XXXX $ ) from XXXX through ( XXXX XXXX XXXX XXXX. ) bank and the sender reference is ( XXXX ) to XXXX to ( XXXX XXXX ) On XX/XX/XXXX the payment was returned to the correspondent bank under reference ( XXXX ) but at that time our bank account at XXXX XXXX XXXX was closed so we couldn't receive the payment and we asked the XXXX XXXX to recover the payment and they respond they can not do such thing, And we also asked the XXXX XXXX to provide a return swift to track it they said they couldn't provide the swift too ... 
And yet we did not get our refund and did not get any corporation from both side XXXX XXXX and XXXX XXXX XXXX, I need your help to get the return swift and to know where is my refund and what we could do to receive it while our bank account is closed ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( Experian ) about delinquencies reported for account Account ( XXXX Advance Mastercard Account Ending in XXXX ). XXXX XXXX  reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}. 
After receiving alert from Experian on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX  ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) Experian credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again. 

THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY XXXX CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES. 

My complain is about false and misleading information from both agency : Experian bureau and Bank XXXX. There is no real information provided from both of Agencies. XXXX customer support told that none reported to Credit bureau, but Experian Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ). 
On XX/XX/XXXX I tried to reach both company ( XXXX and Experian ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies. 
Please help me to fix that fraud information and fix my score.
Product: Mortgage

Carrington Mortgage Services LLC has been charging us for insurance as if we were a single family home when we are covered under our XXXX  because we are a town home. They recently purchased our mortgage from another lender, and they began sending us letters that we needed to provide proof of insurance. They have rejected every document we have attempted to send them and explained multiple times that we are in a townhome and the insurance is through the HOA. E so not have a document with our address because it's the entire building that's covered. I called them multiple times and never got a call back. I called today and they told me they would send me a letter within 10 days when I asked simply who I could speak to. They already bought an insurance policy and have charged us for this. I'm not sure how they purchased this insurance when they don't even have the right dwelling type listed for us. I can not get a hold of anyone that can help me, and it has never been an issue before because we are insured for hazard through the XXXX. I'm being forced to pay for insurance on a property that doesn't exist. Our address is not a single family home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXI Inaccurate information issues Complaint : XXXX XXXX XXXX Complaint against EQUIFAX CREDIT REPORT I m demanding you to remove or correct INACCURATE INFORMATION as follow : 1- My correct name is XXXX XXXX XXXX NOT ( XXXX  ) please see attached document 2- In XX/XX/XXXX I  arrived USA for the first time in my live as XXXX  ( see attached document ) you stated on the report page number ( 2 ) CREDIT CARD LIMIT XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX. 

3- On the report page ( 40 ) credit limit XXXX According to my right these inaccurate information must be removed or corrected Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit. ) The date of last activity was in XX/XX/2014. This account is well over ( 6 ) years old and should not be reporting. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff that is over ( 6 ) years old is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/22 I submitted a dispute for fraudulent inquiries appearing on my Equifax Credit Report. In accordance with requirements set forth under Section 605B of the Fair Credit Reporting Act ( FCRA ), I provided a copy of my drivers license, a list of the fraudulent inquiries that I did not consent to or authorize, a copy of the Identity Theft Report that was filed with the Federal Trade Commission ( FTC ), and a copy of the police report regarding the identity theft filed with the XXXX  XXXX Police Department ( XXXX ). 

Despite this, Equifax failed to block the information. On XX/XX/22 Equifax sent correspondence state that they are not blocking the information, but instead will contact each company. The letter goes on to state that in order for Equifax to block information under Section 605 ( B ) I must provide proof of identity, 605B of the Fair Credit Reporting Act, you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of my FTC Identity Theft Report or police report regarding the identity theft. 

Given that all of the information that is required to block fraudulent information was already provided Equifax and was received by Equifax as evidenced by certified mail receipts, they are required to block this information. Equifaxs ongoing failure to remove the fraudulent inquiries is a violation of my rights under the FCRA.
Product: Debt collection

OneMain Financial XXXX being represented by XXXX, XXXX and XXXX provided a written settlement agreement for debt owed. I signed the agreement and paid the settlement amount. However, XXXX, XXXX, and XXXX began garnishing my wages, although we made a settlement agreement of payment in full. An agent of the company spoke with my attorney and misrepresented himself as an attorney. He stated that I would be reimbursed for the wage garnishments. However, I have not received any type of reimbursement, and my wages are continuing to be garnished. XXXX, XXXX and XXXX will not speak with me or my attorney about this matter and continue to garnish my wages even though we had a settlement agreement.
Product: Mortgage

I received my monthly statement and noticed the Escrow Account monies being held by Bank of America was twice as high. 

I spoke to someone named XXXX who explained that even though the amount needed to cover taxes and insurance is much less than what is being held in escrow that Bank of America policy is not to refund that money until next year. 

So With inflation the highest its been in XXXX years. Gas prices food and everything Bank of America is going to hold unneeded customers money until next year. There are excess funds in the escrow but customers have to wait for XXXX months????
Product: Mortgage

I started my modification loan process XXXX for title search on the property. Title search completed wrong persons names with lien on the title search. I called 2-3 days every week for updates only to be told there was nothing I could do it takes a while, mind you that my home is only 5yrs old. Finally spoke with rep. that told me I had to call tax office XXXX XXXX, XXXX, to have lien removed and ask for a letter of removal since it's not me and this was done immediately and sent over within two days. I asked why this was not shared with me earlier than now since the title search has been completed since XXXX XXXX and clearly you know that I am the only one listed on the loan. I was told by two supervisors that my interest rate@ 2.87 % one in XXXX XXXX and XXXX XXXX I was locked in, and I should receive my modification documents within 7 business days or download from my portal when available. Now it's XXXX I received my modification documents at the rate of 3.50 % and no one is honoring the promised 2.87 % interest rate. 
As I stated to the supervisors and representatives this was out of my control not my fault and I have tried to assist you with any situations concerning this modification process and should be granted the promised rate of 2.87 %. I was never sent the not affidavit to sign nor offered to sign one until this day still, this part of the process of acknowledgment of liens. I have asked to speak with managers and was told none are on duty or available to speak with me, supervisors have said they will call me back and never have until this day. 
I feel that they held my process of modification loan until the interest rates went up, since I have been corresponding with them weekly sometimes 2-3 calls a day speaking with different representatives and supervisors cause its very fairly rare to get the same person, and some were more willing and helpful than others. 

Action taken by company XX/XX/XXXX researching phone calls will take until the XXXX of XXXX to complete but the rate is 3.50 % since they have to follow FHA guidelines. UNFAIR Process.
Product: Mortgage

Description of the Issue : On Saturday, XX/XX/year>, I was contacted by Service First Mortgage on a weekend regarding my mortgage payment, even though my account was within the grace period and in good standing. The call was made outside of normal business hours, which I find to be an unacceptable practice. 

I have previously requested that the company cease and desist from contacting me outside of regular business hours, especially on weekends, if my account is current or within its grace period. Despite this request, the company continues to make unsolicited and harassing phone calls. 

Actions Taken : Date of Contact ( Weekend Call ) : XX/XX/year> Amount Discussed : {$1400.00} Context : I was informed about a mortgage payment due before my grace period expired. The call was unnecessary and caused undue stress. 
Cease-and-Desist Request : Date of Request : XX/XX/year> Method : [ e.g., Sent a written request, emailed, or communicated via phone ] Content : Requested the company to refrain from contacting me outside of normal business hours, particularly when my account is in good standing or within the grace period. 
Complaint Filed : Date : [ Insert date of the CFPB complaint filing, e.g., XX/XX/year> ] Details : Filed a formal complaint with the CFPB about these harassing practices. 
Despite these steps, the company has continued to engage in this behavior, demonstrating disregard for my requests and consumer protection laws. I believe this constitutes harassment, and I am seeking intervention to ensure that these inappropriate practices cease. 

Resolution Sought : I request that [ name of the company ] immediately : Stop contacting me outside of regular business hours, especially on weekends. 
Ensure that no calls or communications are made if my account is in good standing or within the grace period. 
Provide a formal acknowledgment of my requests and a written guarantee that these actions will stop.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AZ XXXXTo whom it may concern, I bought my home in XXXX XXXX for {$260000.00} and put {$26000.00} down on it, with another XXXX cash put into home in upgrades. At the time I was salaried at 42k a year + OT. 
In XXXX of XXXX the company I worked for re-structured and I was let go along with many others. Little did I know that at the same time this happened the economy crashed. It was impossible to get hired again in my occupation as XXXX. While I was able to get a loan modification, it did not reduce the principle on the loan leaving me upside down on the note. Owing XXXX on a home worth around XXXX plus a XXXX mortgage of XXXX.I have stayed in my home determined to keep it regardless but got behind by XXXX payments back in XXXX. Since XXXX XXXX I have been in the same very stable position, but have not made enough to handle all the late fees from back payments. My mortgage is now XXXX of my take home pay and has made it difficult to make ends meet. Now another hardship of a family emergency with a parent that needed me. This has left me more than 3 months behind. I applied for a loan modification back in XXXX and was turned down by OCWEN. They said I did not make enough money. I applied for another loan modification with them, this time my mother paid my health insurance. OCWEN then said that I made too much money and did not need another modification. They said that they were a loan servicer and that they did not have the means to do a principle reduction. In short, I stayed in a home that has been underwater for most of the years that I have owned, put a lot of money into it. Loved my neighbors like family but am not able to get caught up on my payments and am sorely in need of a principle reduction /loan modification. 
Please let me know if there is anything you can do to help me. 

Most Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Through XXXX XXXX it was suggested that I apply with AutoPay to for a lower payment and interest rate. I contacted them and forwarded to them all the documentation requested ie ( driver 's license, pay stubs, W-2 's, insurance ). I was told that I was approved but was unable to reach anyone except through emails and if I tried to call, only got voice mail. Then through texts today I was told they never received my phone numbers, etc and just began to get an " uneasy '' feeling. I FINALLY spoke with XXXX XXXX and she changed the whole conversation that " their lenders '' since the car was a 2012 XXXX XXXX which they have known that, was going to cost higher payments and only do 48 months. When I did a search of " XXXX '' phone number XXXX, it was " unknown ''. Also another number was for her home address. I have copies of texts and can send them to you at a number if you would like. Something just does not feel right with this business and they have all my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment appearing on my Credit report for months that does not belong. I was never alerted I missed any payments etc. I have perfect payment history so for it not to be removed would really effect me. This appears on both XXXX XXXX XXXX
Product: Student loan

My complaint is with the Federal Loan Forgiveness Program. I qualify for the 10 year repayment part, work for a XXXX XXXX and filed for forgiveness. I was denied, saying I never kept the loan under the Stafford Loan for the entire time. I never had a choice in this. It was sold to XXXX XXXX and then to XXXX. I had no say in this. They said I agreed when I kept paying. How am I just going to stop paying my bills? I know I'd get garnished and sued by the government if I did. Just stupid. So now, being a model citizen and hard worker paying my bills doesn't help me at all with this program. And the program is to be for us, but basically is a sham not helping hardly anyone in reality.