23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Again, I've been on the phone with different reps with MOHELA since the second week of XX/XX/XXXX trying to get a document that would show that I'm set up on a monthly payment plan versus having a {$0.00} a month payment. I've been told by different reps/supervisors that I would receive something by mail and/or email in regards to getting this document. First I was told that I would get something around XX/XX/XXXX, then XX/XX/XXXX and now as of today around XX/XX/XXXX. I've uploaded my income like I was asked to do so by one of the reps. I've told each rep that I had to have this document in order to be able to close on my house. It's like they're giving me the run around. Some of the reps told me it would take 5-7 days to get the document. Still, I don't have it. Some of the reps said that it took up to 90 days to process the requests. Well, I applied for one in XX/XX/XXXX and it's just still sitting there in review. I even asked if they could re-do my income so I could have a monthly payment and that way it could gone get processed. Still today, it's still sitting in review well over 90 days. I just need a document to show that I'm set up on a payment plan so I can close on my house. I was suppose to close on XX/XX/XXXX but couldn't because of this.
Product: Debt collection

I don't owe anything to JJ MARSHALL with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX XXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Mortgage

I took out a mortgage with Third Federal Savings & Loan Association of Cleveland ( Oh ) on XX/XX/XXXX. At that time I was advised that I could only pay for my XXXX XXXX XXXX via a monthly escrow payment, to which I agreed. Subsequently, and or each successive year, I would receive a letter advising that I needed to provide proof of wind/hurricane insurance ; I advised the bank at both inception as well as subsequent years that I did not have wind/hurricane insurance, however they accepted having themselves named as loss payee on my Homeowner 's Insurance. Each year the letter would advise that I needed wind/hurricane and if I didn't provide proof, they would acquire it for me ; each year I advised them I didn't have the insurance and led me to believe that was acceptable. In XXXX of XXXX I received the same type of letter, and when I advised them I could not obtain coverage they indicated they would get bank-acquired insurance, however they would not provide a policy declaration page or a policy which they subsequently did send a declarations page, however they advised they could not provide the policy. I decided to pay off the mortgage and on XX/XX/XXXX I went to a local branch in XXXX ( Fl ) and when I was advised of the payoff amount, I found out that I had a separate escrow account for previously acquired wind/hurricane insurance, although they never asked me to pay for it, nor did they ever send me proof of any coverage until after I paid-off the mortgage. When I spoke with the bank today, they insisted that they had mailed me the policy for prior year 's coverage, and I advised them that I had never received anything. Further, at the time I paid it off, the Branch Officer could not tell me what the $ {$16000.00} " escrow '' account was for or what it covered. Please note in my attachments I do not have the " warning letter '' I received each year.
Product: Credit reporting

I have disputed many items on my credit report.. All XXXX agencies have made some changes but never took any thing off as requested. They have violated the fair credit reporting act. XXXX worked on this account for more than 8 months and they never had XXXX item removed. At a cost over {$800.00}. Some items are still not decided on after a year. THEY KEEP TELLING ME THEY ARE WAITING FOR THE COMPANY THAT THEY REPRESENT TO EVENTUALLY SEND THEM SOMETHING. Every time they receive a dispute, they lower my XXXX score.
Product: Checking or savings account

As explained in numerous prior CFPB complaints, a closeout check was intercepted by a third party, check in amount of {$4200.00}. A prior check for same amount had a stop payment placed on it prematurely by Capital One rep ( s ). A replacement check was sent while I was on vacation, intercepted by a third party. Capital One reps including a XXXX XXXX, others, did not send an affidavit when brought to attention to their attention, affidavit sent several years later. Capital One reps are partially responsible for interception and cashing of replacement check, having placed stop payment prematurely. Once affidavit was finally sent, no further reply from cashing bank, in which case, I reached out, affidavit was not received on cashing bank end... When brought to Capital One reps attention, they refused to take action, advised to wait, in which case, it was well past 90-day time frame they quoted. Since Capital One reps refused to take action, I reached out to party whom may have intercepted, cashed check in my name, party initially agreed to pay back funds, however, did not. No funds recovered. The last Capital One rep, a XXXX or XXXX, do not know which is replying on behalf of Capital One, referred me back to party cashing check, in which case, as stated before, the interception is partly Capital One error for stopping payment prematurely. Further, the party is nowhere to be found and at this point, funds still owed to myself. Capital One needs to reissue check or provide another affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not forward me a copy of my credit file after I submitted the required documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was verified to me that the account XXXX XXXX XXXX ( XXXX ) was investigated and that everything on my credit report was accurate. However, I'm submitting my consumer report to show all discrepancies highlighted. 
The credit bureaus never did a proper " investigation '' According to the FCRA. 
The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item information They did not do this Also they have violated my rights even more. In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my report.

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to lift security freeze with Equifax for five days. Equifax has online management for security freezes. That feature doesnt lift the freeze and directs me to call customer support. I then follow the instructions on the automated phone service that does not work. When I speak with an agent, they say they are having system updates. I called them on XX/XX/2021, then each day after until XX/XX/2021. Each time they say they are having system updates. He took my SSN and said he is getting an error. That is not a system update and he also said he was able to pull up another account. Why was he pulling up an account for someone he was not on a call with? I then asked the representative to speak with a manager because I feel that a 5 day update is unreasonable. The representative then places me on hold and comes back about 10 minutes later and gets more of my information to try to look me up in the system again. He got an error again. When he was unsuccessful he finally transferred me to a manager. She then told me they have several other customers with the same problem and they dont know how to fix it or when it will be fixed. They dont know what the problem is nor how to address it. I am applying for a mortgage so this is time sensitive. I do not understand how you can say you have several people with the same issue and no clue whats going on? Now myself and others are stuck in limbo until they get their system fixed. I would rather not have to deal with this company at all. They allowed hackers to obtain personal information from consumers and should be excluded from credit reporting because they have no control over their systems.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires on my equifax report. 


XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX Both inquires are not mine. Remove them immediately or XXXX have to contact my lawyer. Equifax was called they refused to provide proof after I requested removal
Product: Debt collection

XXXX XXXX - Representative asked for my by my former name. I asked " Are you a debt collector '' she kept telling me she could n't say until I verified the account which is in violation of FDCPA 807 False or misleading representations - ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. The debt in question is currently in dispute with the company who sent it over to this collection agency and I 've advised them of this before.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ LVNV funding LLC ] [ XXXX ] XXXX : [ LVNV funding LLC ] [ XXXX ] XXXX : [ LVNV funding LLC ] [ XXXX
Product: Mortgage

My name is XXXX XXXX XXXX and I have been trying to get the payoff for my home from ShellPoint Mortgage for over a month now along with my attorney XXXX XXXX. She and I were on speaker phone in her office with my SPOC XXXXXXXX XXXX as well as her supervisor by the name of XXXX ( did not provide her last name ). XXXX assured us on this call that I would receive the payoff via email on XXXX, and if it wasn't received then to call XXXX XXXX back XXXX which I did several times, but still no payoff was sent. This is unacceptable. I'm about to be put out of my home because of this. I really need for this matter to be handled ASAP.
Product: Credit reporting or other personal consumer reports

I am not able to see my credit report on a few various reporting platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my Consumer report I have identified items that are the result of identity theft, because each item ( documents enclosed/attached ) does not have my written or verbal consent to report these items listed to my consumer report. According to 15 USC 1681 C-2 I am now filing this Identity theft report for the ( Enclosed/attached ) items. Please review all attached documents and all applicable laws.
Product: Debt collection

This company has contacted me, my spouse, my parents, and my siblings repeatedly saying that they have a complaint in their office but refusing to identify what company they are with, no disclosure message that this is an attempt to collect a debt, phone calls minutes apart several times.
Product: Mortgage

We refinanced our home in XX/XX/XXXXthrough Capital One. At that time, their appraisal value came in at {$360000.00} done by a XXXX XXXX. We knew it was low, ( we had it appraised earlier that year ), but accepted the terms which included private mortgage insurance, because we are nearing retirement and wanted a lower payment. In late XX/XX/XXXX, we requested to have the PMI removed. InXX/XX/XXXX we received a letter denying our request because the value of our home was now {$430000.00} and it needed to be {$440000.00}. We had gained value but not quite enough. This appraisal was done by a different person. We were given the option to pay the difference. Which brings us to XX/XX/XXXX. We requested to have PMI removed once again because we had increased our payments to pay off the difference needed and we were confident that we would have the value in our home because our area is very popular for families because of the school system. Again, XXXX XXXX came to appraise our home and even commented on the improvements that had been made ( outdoor kitchen, new roof, and granite countertops ). This time his appraisal was {$410000.00}, which is {$22000.00} less than it was 6 months prior by a different company. It needed to be {$420000.00}. I contacted Capital One and after their so-called investigation, they said that nothing could be done. I am not sure of my next course of action, so I am contacting you.
Product: Mortgage

Hello. I have a foreclosure sale and I need assistance with stopping it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my complaint about the erroneous account information that was registered on my credit report. This inaccurate information has breached my privacy rights and my right to confidentiality as laid out in the Fair Credit Reporting Act. According to the act, the list of accounts below has infringed upon my federally safeguarded consumer rights to privacy and confidentiality stipulated in 15 USC 1681. 

XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) must have reasonable procedures in place to ensure that the information they provide to third parties is accurate and up-to-date. Additionally, 15 U.S.C 1681 Section 602 A states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 states that a CRA can not furnish an account without my written instructions, and 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no CRA may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The sequence of events of the incident transpired between XX/XX/XXXX - XX/XX/XXXX thus far. The investigation is still transpiring a court hearing is scheduled for XX/XX/XXXX Police report was made On XX/XX/XXXX and again on XX/XX/XXXX regarding an individual who stole and held possession of my confidential and personal identifiable information and documentation. 

Since there has been multiple Hard inquiries on being reported to my consumer profile and is negatively affecting my consumer profile and FICO score. 
My XXXX  XXXX XXXX  that was also included in the items stolen has an increased limit during the duration of the incident - that was also reported. 

All Credit cards and documents have been reported stolen and replaced. 
I have contacted the companies to verify information that was used in attempt to create any known inquired accounts. 
A Freeze has also been placed. XX/XX/XXXX Hard inquiries listed on XXXX and Experian XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX
Product: Debt collection

I reported identity fraud after reviewing my credit for the first time in a while, and I noticed this account. It showed that this account was charged off or written off, in which I have no clue about. So I sent out a cease and desist letter and then after that was done the text messages started coming forth from a debt collection agency by the name of XXXXXXXX XXXX XXXX, then a call came of someone claiming to work for XXXX XXXX XXXX  They was sounding real aggressive over the phone saying they have my address if I dont pay so I immediately hung up. Now on the other hand I pulled my credit report again and it showed that the original creditor which is ACIMA LEASING sold the agreement or contract to a collection agency without authorization from a consumer anyway.
Product: Credit card

The credit card company charged me a fee of {$10.00} on XX/XX/2023 without any indication what that fee is for. Shouldn't they have to explain why they are charging a fee. What stops them from just charging fees all the time without explaining them and making customers dispute them. ALSO, there is no way to dispute the fee online. That is the reason I have to use the CFPB to dispute the claims. Seems kinds of twisted that they will charge a fee, not tell you what the fee is for and then make it difficult to dispute the fee or find out any information about the fee. 
How many others is this sort of thing happening to and they just aren't aware of it.
Product: Student loan

I found out that being in the XXXX program. I shouldnt be getting emails and stuff about payment cause its in litigation. MOHELA are already screwing up this payment pause and sending collection notices to people who enrolled in XXXX. Ive already had two conversations with them. And its been every month for the last couple.
Product: Debt collection

XXXX XXXX XXXX XXXX is a law firm subject to the Fair Debt Collections Practices Act that is attempting to collect on a debt for Adler Wallach And Associates. They have failed on several occasions to give any proper disclosures in their communications with me i.e no mini miranda, no notice of right to dispute within 30 days..etc ...
Product: Credit reporting or other personal consumer reports

I have filed multiple complaints and disputes with XXXX TRANSUNION and XXXX regarding them disclosing without my consent my non public information and I have disputed certain accounts because there is no contract between myself and certain companies that are showing on my consumer report. I have asked that they stop disclosing my non public information as I have told them I DO NOT CONSENT and they continue to report they are also attempting to disclose more of my information to these third party companies by trying to match up addresses telephones number and inaccurate names that are appearing on my consumer report and giving this information to these companies that I have no agreements with in order to keep the accounts on my report. TRANSUNION XXXX and XXXX are all reporting a charged off account from XXXX XXXX XXXX a charge off is considered a certificate of indebtedness which means it is income income is non public information and non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. If an account is charged off it is then XXXX and I was suppose to receive a XXXX form fron that company who charged off the account so that I can file the XXXX with the IRS. Furthermore TRANSUNION XXXX and XXXX are all reporting a charged off account from XXXX XXXX XXXX a charge off is considered a certificate of indebtedness which means it is income income is non public information and that being reported on my report is another violation of my privacy rights under the privacy act of 1974. If an account is charged off it is then XXXX and I was suppose to receive a XXXX form fron that company who charged off the account so that I can file the XXXX with the IRS. In fact all debts are XXXX according to the indenture agreement that these companies filed with the XXXX XXXX. I will reiterate that I DO NOT CONSENT to income being reported to my consumer report nor do I consent to XXXX TRANSUNION and XXXX disclosing more of my information to try and help the companies reporting on my consumer report to match up addresses telephone numbers and names instead of doing proper investigations into my dispute they are simply just updating the accounts improperly using immoral and unfair tactics to ruin my ability to obtain credit which is a violation of my right to credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, someone tried to open a credit card in my name through Capital One and XXXX XXXX. I contacted all credit bureau places- XXXX, XXXX and XXXX and reported the issue. I also put a freeze on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and requested that Experian conduct an independent investigation into the accuracy of several accounts that were being reported on my consumer report. Per USPS certified mail, Experian received my request on XX/XX/2022. After Experian completed their investigation, I received an updated consumer report, and the FCRA required notice of dispute was missing. It is my understanding of the FCRA that the CRA must notate previously disputed accounts with a notice of dispute on all future consumer reports. I contacted Experian again to notify them of the missing notice of dispute. Experian received my second correspondence on via USPS certified mail on XX/XX/2022. I informed Experian that there were accounts missing the FCRA required notice of dispute and requested that Experian delete these accounts due to being in violation of the FCRA. I attached past and current consumer reports to show the violation. After Experian completed their investigation, I received an updated consumer report, only one account was deleted XXXX XXXX XXXX XXXX XXXX ; however, the notice of dispute was still missing on the other accounts, and my original concern was never addressed. In addition, Experian ignored my request of the reinvestigation of the account XXXX XXXX XXXX ( no account number listed on my credit report ). The law states that after the CRA is notified by the consumer of the inaccurate account, the CRA must : " ( i ) modify that item of information ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information, '' and Experian has failed to be compliant. 

The accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX