23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is follow up on complaint XXXX about NATIONAL CREDIT ADJUSTERS , LLC. which is now closed but the issue still exists. 

My answer to the question " What would be a fair resolution to this issue? '' is below : I require Debt Validation which includes my signature which indicates I did indeed open the acct ( s ) in question. If this can not be produced the National Credit Adjusters LLC will cease and desist in all collection attempts and will remove any negative credit report entries regarding the acct ( s ) in question from all 3 credit bureaus ( XXXX, XXXX, and XXXX  ). 

The collector sent copies showing that 3 different accounts had been opened in my name ; however this does not mean that I was the one that opened them. I have already submitted in my original disputes of the account that I was the victim of identity theft and have filed a Identity Theft Affidavit reference # XXXX with the FTC on XX/XX/2017. I also made it clear to the collector that I required something with my signature that indicated that I was indeed the person that opened the accounts. The documentation provided by National Credit Adjusters LLC DOES NOT contain my written signature ; therefore it is my right under the Fair Debt Collection Practices act that all collection attempts cease and the accounts in question be immediately removed from my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I used XXXX to send my brother XXXX XXXX {$1000.00}. It turns out i sent it to the wrong phone number XXXX ( instead of the correct number XXXX ). The recepient 's name of the wrong phone number is NOT XXXX XXXX so it should have never gone through. I immediately called Wells Fargo and they put in a claim and never got back to me. I also requested {$1000.00} from the incorrect number through XXXX, but they ignored it. When I called the bank again today, they said there was nothing they can do becaude the funds are no longer in that person 's account. They suggested I file for civil court but it is otherwise not their problem.
Product: Debt collection

some one has taken out a fraudulent loan for {$3000.00} and i don't have a clue who but its not my debt
Product: Student loan

XX/XX/XXXX  - One month after getting a consolidation loan for $72,xxx, hit with a capitalized interest fee. That's how it started.

-Challenges with payments, they did not keep me on income-based repayment plans, instead, pushed towards capitalized interest and using forbearance. 

-Declared bankruptcy by   XXXX   XXXX   after a full year of unemployment and still not notified of better options for income issues. Consistently referred me to forbearance.   XXXX   XXXX   customer relations staff often did not have American English as a first language, making it even more difficult to understand options.

-Asked multiple times on Public Service Loan Forgiveness, and was told they knew nothing about it. Found out on my own finally in   XXXX   and lost a full 7 years of potential service and turned down positions which could have helped.

-Dates of forbearance pile ons via capitalized interest:
  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  

-From   XXXX   -  XXXX , 20 months of consistent standard payments, of which  XXXX  went towards capital.

-Total Capitalized Interest with fees since  XXXX : $17,xxx

-Current principal owed 12 years later from loan origination date: $80,xxx, or + $9,xxxx more then when I started in  XX/XX/XXXX 

-Original College Payoff Date:  XXXX , age approximately   5 XXXX  making regular payments for 30 years Current College Payoff Date:   XXXX  , age approximately     XXXX  , making regular payments for 30 years
Product: Credit reporting or other personal consumer reports

I am formally disputing the improper reinsertion of a XXXX XXXX XXXX account ( XXXX ) that was previously deleted from my credit report. In XX/XX/XXXX I disputed this account and Experian removed it on XX/XX/XXXX following my dispute. However, when I reviewed my credit report on XX/XX/XXXX, I found that the account had been reinserted without the necessary written notification. This action violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681i ( a ) ( 5 ) ( B ), which requires written notice within five business days of reinsertion, and 15 USC 1681i ( a ) ( 5 ) ( C ), which mandates substantiation with new and verifiable information. Since this account was previously removed due to being inaccurate or unverifiable, I question the legitimacy of any new evidence supporting its reinsertion. Additionally, this action fails to comply with 15 USC 1681e ( b ), which obligates consumer reporting agencies to ensure accurate and fair reporting practices. I request that this account be removed immediately, that you provide any evidence used to justify its reinsertion, and that you send me written confirmation of its deletion along with an updated copy of my credit report.
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. 

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX 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 a 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.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as Late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Dispute of Derogatory Account and Associated Inquiries on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute the information listed on my TransUnion credit report, specifically regarding a derogatory account and associated inquiries. Despite my efforts to rectify this matter directly with the creditors, I have been unsuccessful in achieving a resolution. 

Below are the details of the disputed account and inquiries : # # # Derogatory Account : - **Creditor : ** XXXX XXXX SERVICES - **Reported : ** XX/XX/XXXX - **Status : ** Closed - **Balance : ** {$4800.00} ( 120 % of credit limit ) - **Credit Limit : ** {$4000.00} - **Monthly Payment : ** {$190.00} - **Opened : ** XXXX XXXX, XXXX - **Payment History : ** 75 % of payments made on time - **Last Payment : ** XXXX XXXX, XXXX - **Current Payment Status : ** XXXX Days Late - **Amount Past Due : ** {$820.00} - **Worst Payment Status : ** XXXX Days Late - **Account Status : ** Closed - **Type : ** Credit Card - **Responsibility : ** Individual - **Remarks : ** Canceled by credit grantor - XXXX XX/XX/XXXX Days Late : ** XXXX - **Closed : ** XXXX. XXXX, XXXX - **Creditor Information : ** XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DE XXXX, ( XXXX ) XXXX # # # Associated Inquiries : XXXX. XXXX - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX** - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX I have made multiple attempts to address the discrepancies and resolve this issue directly with the creditors involved, but to no avail. The derogatory account and associated inquiries are negatively impacting my creditworthiness and financial well-being. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and assist me in disputing the accuracy of the derogatory account and associated inquiries on my TransUnion credit report. Additionally, I request your guidance on the appropriate steps to take to rectify this situation and ensure the accuracy of my credit information. 

Enclosed are copies of any relevant documents supporting my claim, including correspondence with the creditors and evidence of my attempts to resolve the issue. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these discrepancies and restoring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX XXXX XXXX or Successors XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CC Capital One Customer Advocacy Office XXXX XXXX XXXX XXXX, VA XXXX Is still Reporting fraud accounts on All 3 credit bureaus XXXX, XXXX & XXXX XXXX XXXX 
Capital One is violating my rights & breaking the law. They have not followed the law providing any legal proof of these false accounts in 30 days & its been 5 months & consistently break the law by not removing them. Capital One uses their corporate Billion dollar company status as a bully, instead doing the right thing & helping a victim of ID Theft! The fraud they continue to report is causing me & my family stress & hurting my future credit goals. I WILL NOT STOP UNTIL I GET JUSTICE! THANK YOU!
Product: Debt collection

I have XXXX XXXX, and when I checked my credit score,  i had realized that my score went down. Under collections, there was a amount of {$170.00} through a collection bureau called DCI. I researched the company, and found that it was linked to XXXX XXXX XXXX however, i was never notified of any debt so I contacted XXXX XXXX XXXX spending three hours speaking to XXXX, XXXX who hung up on me, and an XXXX who transferred me to XXXX in collections And directed me to XXXX in billing who claims that I do not owe any money. I was given a case number XXXX and by Account number XXXX. DCI notified me to file this report ( Diversified Consultants Inc ) XXXX, Florida reference number XXXX. I'm supposed to be notified by XX/XX/XXXX by XXXX XXXX XXXX of their decision, so I'm asking if this case can be filed through this organization for guidance. 
My contact information email : XXXX Phone number : ( XXXX ) XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX  XXXX Account Info Hover over labels for more details Account XXXX Account statusOpen Date openedXX/XX/XXXXAccount typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} XXXX  XXXX Account Info Hover over labels for more details Account XXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} TRANS UNION XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX TRANSUNION XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

continuous false and misleading advertising by Credit Karma. Who continuously states that my chances for approval of credit are excellent, but I get denied every time I fill out applications for the recommended cards
Product: Credit reporting or other personal consumer reports

I am paying XXXX credit relief for old accounts I have paid off several and only have a few left. My XXXX XXXX never moves up past a XXXX which isnt fair if XXXX paying on time and paying off old accounts my XXXX XXXX should reflect that. Also I have several inquiries that I never opened or applied for. XXXX trying to pay off what I owe so I can purchase a house. XXXX frustrated that I am having no luck by reaching out to credit bureau Experian XXXX XXXX, XXXX, I have reached out to them several times and my credit report shows same information. Please help me get these resolved and removed off my reports.
Product: Mortgage

I am a disabled veteran with 100 % disability rating. Because of this, I was provided a letter stating I was granted property tax exemption from the state of MD. I forwarded that message and letter to Guaranteed Rate and asked for an escrow analysis. I was told it would take about 4 days. Since then a tax payment has been made to XXXX/XXXX  XXXX County tax assessor, which was subsequently returned, due to my tax exempt status. 

That was two weeks ago. Ive talked to numerous customer service agents and almost as many supervisors. These folks have stated its almost complete, check back in two days, and the supervisors computers arent working today. On Tuesday I spoke with a gentleman, that stated he could see everything in the system, recalculated our mortgage t and our escrow refund. He said he was going to send us an email to wrap it all up and get us a tracking number on the check through XXXX. That email never came. I called back again and talked with a lady that was not as helpful. She stated there was nothing in the system indicating we were tax exempt, that an analysis had not been completed, and that even when it was, the payment wouldnt change for two more months. My wife and I waited almost 2 days before calling back again, and were told we would receive a call back after it was " looked into '' by senior management, and again, nothing. 

I have asked numerous questions to which I would get a different answer each time. 

When I have asked to speak to a senior manager since I had gotten so many different stories from different supervisors many of the customer service agents would say they weren't at liberty to disclose that but could submit my info to have a member of management call me back. I said yes. Again, no call came.
Product: Mortgage

In XXXX of 2022, I applied to assume my mortgage entirely from my husband as we are planning a separation. I contacted the bank, XXXX and Dovenmeuhle the servicer of the mortgage. 

They said the process would cost {$900.00} and I had to submit this with my application, but as long as I qualified and provided the documentation I could continue with the process. 

In early XXXX, my assumption was approved by Dovenmeuhle. They sent me the paperwork/package towards the end of XXXX. I think I finally received it on XX/XX/XXXX. It was extensive and I had to get things done I hadn't expected, but that was okay. I reviewed that to see what else was required to continue with the process. 

By XXXX XXXX, I had everything ready, but this was XXXX and I would have to wait until after the holiday to finish up and send the final package back to XXXXDovenmeuhle to close. 

Upon returning from a holiday break, XXXX XXXX, I was going through the mail that had stacked up and noticed a letter from XXXX that my mortgage had been sold to a new bank - XXXX. In the meantime, all of my paperwork is ready to send back to finish up the assumption. 

I contact both banks, and basically, according to the banks there is nothing that can be done. XXXX sold my mortgage in the middle of the assumption process, XXXX won't continue the process based on my paperwork and existing application ( and credit check, approval, updated deed, etc. ). They said I have to start over and their terms are different than XXXXDovenmeuhle. 

On top of that, I sent {$900.00} to XXXX for a process they essentially ruined by selling my mortgage. They did not mention the refund of my payment and said that after I sent an email they would decide whether or not it would be refunded. I haven't heard from them yet. 

My complaint is first about selling my mortgage in the middle of business that I was conducting with them and knowing we were in the middle of something and not allowing it to finish or providing any sort of deadline or warning. 

My second complaint is about refunding my entire {$900.00} payment. They should have offered that from the outset of knowledge of the sale. I should not have to ask for my payment back. At this point, I still don't know what that outcome and potential argument will be.
Product: Mortgage

In XXXX of XXXX, I received a Loan Modification with Partial Claim on XX/XX/XXXX from XXXX Bank. My new terms were payment of PITI {$2500.00} with 5.125 % interest rate term of 480 months with Maturity date XXXX/XXXX/XXXX. There was a Quit Claim Deed removing my ex-husband from the deed. I signed the modification agreement which only had my name, returned it to XXXX and it was executed by them. I received a copy of the executed document back. My first payment was made to XXXX on XX/XX/XXXX with the amount of {$2500.00}. Shortly after that, I received notice that the loan was transferred to Mr. CooperXXXX in XXXX the following payments of XXXX & XXXX were made to and accepted by Mr. Cooper. Then in XXXX & XXXX they did not accept my payments. I was at that time informed that there was an issue with XXXX not giving the entire agreement to Mr. Cooper. I was previously working with a housing counseling agency XXXX XXXX XXXX XXXX ( XXXX ), so I turned to them again for assistance with this matter. So, on XX/XX/XXXX, XXXX XXXX from XXXX reached out to Mr. Cooper & was informed by the rep XXXX, that the modification agreement signed by XXXX had an error. At which time she advised that the Executed Modification Agreement should be honored, and I was conferenced on the call to make both XXXX & XXXX payments which I did right then & received a confirmation number. I also set up an automatic payment for the month of XXXX which on XX/XX/XXXX, the payment was withdrawn from my checking account. Thinking everything was settled, I felt all was back on track. When I went to make my XX/XX/XXXX, it was not accepted. Since then, XXXX XXXX ( XXXX ) & I have escalated the issue with Mr. Cooper and working with XXXX at the escalation dept. We were now informed by Mr. Cooper the issue was that my ex-husband 's name was not on the XXXXXXXX  Executed Modification Agreement and that his name needed to be on there. So, they were going to re-issue the agreement to include his name ; however, when I received the documents with my ex-husband 's name now, there was only a Partial claim, the Loan Modification portion was missing. We also noticed the maturity date and the amount of partial claim amount were different from XXXX. This was brought to the attention of XXXX XXXX escalation team ) and we are still awaiting a response. I have spent XXXX, XXXX XXXX and XXXX trying to resolve this issue. Numerous phone calls were made by XXXX XXXX and myself to have this issue resolved and thus far still won't accept my XXXX & XXXX payment.
Product: Credit card or prepaid card

Product from. Bank. Not used or received.15usc XXXX  d abuse update secured savings balances and refunds of all transactions. XXXX  civil liability navy fed credit union is liable..15 usc 1605 truth in lending violations. 15 usc 1666a.b.c.d. treatments of credit balances.. 15 usc 1681 violations privacy act violations. Accounts ending 1665. And all transactions from last 4. 4114.last 4 ending refund demand from all transactions.. 1099 oid is requested and demanded on all accounts from checking accounts for tax purposes.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam, I am writing to formally lodge a XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX