23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband and I received a debt collector letter on XX/XX/XXXX from a company called Rent Recovery Solutions LLC in the mail claiming I owed {$200.00} to MORNINGSIDE CTS APARTMENTS. The letter was dated XX/XX/XXXX. We called Rent Recovery Solutions asking for more details and was connected with a man named XXXX XXXX. He refused to provide verification of the debt -- neither over the phone nor in writing. He repeatedly put us on hold while double checking with his manager. He was evasive when pressed on details like the address of the creditor or the dates or descriptions of the debt. He said this collection would be put on hold for reinvestigation if we could mail him the following items : 1 ) Affidavit of Identity Theft from IdentityTheft.gov 2 ) A police report 3 ) A blank piece of paper with five of my signatures verified with a notary. 

The last item was extremely suspicious. Why would they need multiple examples of my signatures on a blank sheet of paper? What are they planning to do with this information? We asked him why, he said " For legal, mam '' and then became even more evasive. We said we were going to investigate this further and said goodbye. We are no longer able to reach him for further questions. The receptionist, XXXX XXXX forwards our call, but it now goes straight to voicemail. 

We went on to research MORNINGSIDE CTS APARTMENTS. They appear to be a real business in XXXX, GA -- XXXX Courts XXXX XXXX XXXX XXXX, XXXX, GA XXXX. With a real looking footprint across XXXX XXXX XXXX, XXXX, XXXX, etc. We called the number listed on their website and got in contact with the assistant property manager, XXXX XXXX. We described the situation to him and he helpfully found records in their system of someone applying for, but then unexpectedly cancelling, a rental application for XXXX XXXX XXXX on XX/XX/2020 in my name. He verified that there was no outstanding debt on the account. He also verified that they work with Rent Recovery Solutions for delinquent accounts, but that this fraudulent application in my name wasn't delinquent nor in collections status. If that is true, how and why is Rent Recovery Solutions pursuing a {$200.00} debt? We asked him to call Rent Recovery Solutions to clear up this matter. We're waiting to hear back. 

This is all very alarming & strange. Why is someone stealing my name to apply for residence in XXXX, GA? Why would the apartment complex & debt collector bother to chase someone for just {$200.00}? Why is the debt collector so evasive but then said this would go away if I would provide five notarized signatures on a blank sheet of paper? Could this be related to this season 's federal elections?
Product: Mortgage

My initial loan was secured through XXXX. On XX/XX/XXXX I received a notice of servicing transfer to Mr. Cooper indicating that any payments after XX/XX/XXXX, should be paid to Mr. Cooper. On XX/XX/XXXX, I submitted payment in the full amount to Mr. Cooper. On XX/XX/XXXX, I received a notice of escrow shortage indicating that my payment would increase starting XX/XX/XXXX. My mortgage is paid directly by ETF from my primary checking account. I changed the amount to the new amount shown in the escrow shortage notice. For reasons unknown, the amount paid for my XX/XX/XXXX payment did not include the {$190.00} increase for the adjusted escrow. However, since XX/XX/XXXX, every single payment made has been the full amount of our mortgage. However, Mr. Cooper failed to post these payment and instead instituted a partial payment suspense account with no notice whatsoever other than the subsequent invoice. Mr. Cooper has failed to provide any notice of any shortfall, delinquency or default and instead has simply sat idlily by charging late fees and damaging our credit. We have never received an email, letter, text or phone call that Mr. Cooper believed our account was short or left unpaid. Only until notice from the Credit Reporting Bureaus did we realize what had happened. In researching this, it is cleat the Mr. Cooper is a company that preys on its customers as opposed to providing any kind of " service ''. I have never missed a mortgage payment in 25 years and now due to a mix-up on an escrow shortage this company has purposefully and deceitfully used an {$190.00} escrow shortfall ( which quite clearly has been paid every month after XX/XX/XXXX showing a clear misunderstanding ) to not only damage our credit but generate {$990.00} is undisclosed, undocumented " late fees '' while showing that our mortgage in not in default. As stated, I never received any notice whatsoever of the escrow gap that quite clearly was an honest mistake. This company is no stranger to the CFPB and has been paying fines quite literally every year in the past decade for similar behavior not to mention a handful of civil class action settlements. I'm curoius how much is enough for the regulators to allow before they actually regulate Mr. Cooper out of existence. Clearly fines and class action settlements have not changed their ways and it is incomprehensible that after the Great Recession in XXXX and thereafter ( when this agency was created ) I am left with having to file a civil lawsuit against a company that so clearly is deceiving its " customers '' purposefully to reap improper " profits ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter with my attached proof from XXXX to Experian and XXXX  in 2017 requesting them to update my credit report. I got response back from Experian in a email stating they only could update my credit report once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a tradeline on my XXXX credit report from Affirm. I informed XXXX the account balance was incorrect and needs to be updated. Its been over 30 days since this account has been updated now. XXXX completed my dispute with incorrect information. On XX/XX/2022 XXXX stated Affirm informed them the balance is correct after I uploaded proof that balance was incorrect. XXXX did not update my account at all. Now I want this tradeline deleted from my report based on Fdcpa guidelines of incorrect reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in this vehicle on XX/XX/2022. The company XXXX I traded in the vehicle to verified on 3 different occasions on a recorded line from XXXX of the pay off amount for the vehicle being {$4800.00}. The vehicle has been paid off since XX/XX/2022 and this account is still showing up on my credit report. I went on the website to my online account and my payment history had been erased and a new amount is coming back as owed and is stating not allowing payments. At this time I want this account to removed immediately off my credit report due to reporting inaccurate information and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureau was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00} Date XXXX : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 2012
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to Transunion, the account was charged off in XXXX of XXXX. XXXX shows that that card was charged off in XXXX of XXXX. Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, XXXX is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on Transunion it says the account was charged off XXXX of that same year. Each of the XXXX Credit reporting agencies listed are reporting completely different information which are both inaccurate. This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and others have refused to explain why my score bounces up and down. They give me the standard reasons that make no sence at all. I have never had a missed, late or not made a payment. I did exactly as they told me, get more credit but every time I do my score goes down. They told me I should get a mortgage so every time a mortage company checks my credit I loose up to XXXX points even after I am told it won't affect my credit. Now how is that fair to be penalized just for someone checking my credit? I am XXXX It Takes months to get back the points they steal in XXXX seconds. I will be dead before I can buy a House. I am living in a friends driveway in my Motorhome. I don't want to live like this. PLEASE DO SOMETHING with the credit reporting Company 's.
Product: Credit reporting or other personal consumer reports

No knowledge of this company. They have sent threatening letters to my home and call and refuse to ID themselves.
Product: Debt collection

I enlisted in the XXXX XXXX on XX/XX/XXXX. Prior to that I was living with my parents, and during that time I paid the internet bill because I wanted faster speeds. After I left however, my step father had closed the accounts and switched to a different service. But he did not do something correctly because apparently there was still an unpaid dept. Which is why a year later, I was sent a dept collection from Convergent Outsourcing on XX/XX/XXXX for {$310.00}. I paid it off in full on XX/XX/XXXX. 

In the 3-4 years that I have had credit I have only ever missed one payment. My credit was in he mid to high 700s prior to this. Yet this one collection has pretty much destroyed my credit and supposedly collections stay on for 7 years whether paid or not. 

I have emailed them twice requesting to remove it from my credit to no response, and now i'm wondering what options I have to get this taken off and restore my credit.
Product: Credit card

There is an ongoing issue with the payment reminder notifications. I have had them set up on my account to remind me of my payment due well in advance. This notification is not being issued. there is a separate notification for when your payment is actually due. That notification comes out whenever the payment is already late and you have been charged the fee. This has happened on more than one occasion with only one of my credit cards with AMEX. The other card works fine. This puts me in a position to have to very closely monitor my inbox and deal with lengthy conversations with Amex about this. I have reported this multiple times and they do not fix it. If this is happening to me, I am sure it is happening too many customers, and they are being charged the late fees.
Product: Payday loan, title loan, personal loan, or advance loan

Company made me sign documents I did not understand. Signed documents that lead me to lose my vehicle and end up in bankruptcy.
Product: Checking or savings account

On XXXX, XXXX, USAA Bank froze my checking account ( ending in XXXX ) for an unnecessary 2-3 day fraud review, but USAA did not provide me with any notification that my account had been frozen to allow me the opportunity to make alternative arrangements for auto payments and other transactions. On the same day ( XXXX XXXX, XXXX  ), a pre-authorized auto-payment of {$1200.00} was attempted by XXXX XXXX , and was subsequently rejected and returned due to frozen account status, resulting in over {$65.00} in late fees and interest charges. USAA would not reimburse me for any charges that resulted from their undisclosed and unnecessary account freeze and fraud review.
Product: Debt collection

I have disputed this collection multiple times with XXXX and they remove it but XXXX XXXX XXXX keeps putting it back on my account without real proof that it was me that got service with them. 

I called XXXX XXXX XXXX and they said that they didnt have an account with my name or phone number and placed the blame on AMERASSIST AR SOLUTION and when I spoke to Amerassist AR Solution they put the blame XXXX  XXXX XXXX stating that they put me in collections and I should file a police report. I do not have an account with XXXX XXXX XXXX so there shouldnt be a collection with my name from them and Amerassist AR Solution. 

XXXX told me to file a complaint with you all first.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, account XXXX XXXX XXXX, XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXXXXXX ), 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I been using venmo for some odd reason they froze my account I called customer service and I even spoke with a manager they won't tell me anything they said they'll contact me thur email within 7 business days
Product: Credit card or prepaid card

On Sunday, XX/XX/2019, at XXXX XXXX  ( CST ) I used Kohl 's credit card to buy some clothing from Kohls.com. 
The order amount was {$68.00} ( Order # XXXX ),  charged to my card. A couple of days later the order was shipped to my address and I was notified so. 
Due to some technical error between Kohl 's and the carrier, the shipment was decided to be returned to Kohl 's and not to be delivered to my home! 
Since then, I have contacted Kohl 's so many times asking them to refund my store credit card. Each time they insist that I have to wait for the merchandise to be returned to their warehouse first! 
Again, it wasn't my fault that the carrier failed to deliver. I have already waited about 14 days since they charged my card. I see no reason I should wait further to get my money since they didn't deliver the products I ordered. 
Please help me get the refund back. 
I also authorize my husband XXXX XXXX to discuss the issue with anyone on my behalf. 
Thanks
Product: Credit reporting or other personal consumer reports

Submitted complaint, that the company can not treat a payment on a credit card under an open end consumer credit plan late for any purpose 15 US Code 1666b 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 no later than 21 DAYS BEFORE the payment is due.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was MAILED out or DELIVERED 21 DAYS BEFORE the payment due date, PLEASE PROVIDE the PROOF that this information was MAILED out or DELIVERED 21 DAYS BEFORE the statement date.

15 USC 1637 ( B ) is very specific on all required information needed or must be mailed or delivered to the consumer!
Product: Mortgage

I filed the complaint back in XXXX and a response was " human error '' due to the mortgage being transferred to XXXX XXXX XXXX XXXX  has to refund me since I was forced to pay {$120.00} extra. it is 6 months now since XXXXXXXX XXXX claim nothing from the round point
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Navy Federal Credit Union regarding the mishandling of a debit card dispute claim that has been ongoing for over a month. 

The dispute concerns a {$420.00} charge for vehicle repairs at XXXX XXXX, where the service I paid for was not properly performed. My vehicle 's alignment and wheel tracking issues, caused by an accident, remain unresolved despite the work claimed to have been completed by the shop. 

Throughout the dispute process, Navy Federal has demonstrated poor communication and unprofessional handling of my claim : Premature Claim Closure : Navy Federal prematurely closed my dispute claim despite my direct communication requesting additional time to provide a third-party estimate from a credible repair shop, as they had requested. 
Request for Additional Information : After providing an estimate from XXXX, a nationally recognized automotive repair chain, Navy Federal dismissed it as insufficient and suggested that XXXX could be biased towards me. This assertion is both offensive and baseless, as XXXX is an independent and credible business with no personal interest in my claim.

Unreasonable Demands

: Navy Federal is now requesting further documentation, such as a " paid invoice after corrective repairs, '' despite already receiving a detailed and professional estimate. These shifting requirements suggest an intent to delay or deny my claim rather than resolve it fairly. I believe Navy Federal is not acting in good faith to resolve this matter, causing unnecessary frustration and financial hardship. Their repeated delays and changing demands are preventing me from recovering funds for services I did not receive. 

I request the CFPB to intervene and ensure Navy Federal Credit Union handles this dispute claim fairly and in compliance with applicable consumer protection laws. 

Please let me know if further documentation is required. I appreciate your assistance in addressing this issue. 

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

I totaled my car in 2017 and was sent documentation that the auto loan was charged off but it is still being reported negatively on my credit report
Product: Debt collection

XXXX XXXX XXXX did not treat me. I went to their ER for XXXX XXXX XXXX and XXXX. I thought I was having a XXXX. They never touched me, they did no XXXX, no XXXX XXXXXXXX, No XXXX. I was not treated and I did not stay overnight. I was not hospitalized. I did not sign any paperwork because I was not treated. They are trying to get paid for no treatment.
Product: Student loan

Prior to the updating of EdFinancial 's systems, I was able to view all pertinent account and payment history on their website, including the ability to print a document showing my full name, account number, payment amounts, dates, and the loans being paid. 

After they updated their system, not only did my account number change which caused issues in itself, but their new website lacks basic financial auditing capabilities allowing me to print a detailed payment summary to use for loan reimbursements and payment tracking. It is not user-friendly for viewing past payments, AND I can not even view my payments made prior to the system update in XXXX  2023, instead they require me to request documentation from them. Despite this, in the " Help '' section of the website ( attached ), it says " Go to Account History to view complete payment history '' when in fact, you can not view your complete payment history ( thus being a false statement ). Immediately below is a note that says payments before the migration can not be viewed online. 

When requesting said documentation, their processing times are extended well over a month ( 37 business days ), even for somewhat simple document retrieval that should be able to be done by the borrower on the website. This is unacceptable for a financial institution, even more so when payments are due every 30 calendar days.
Product: Student loan

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C
Product: Credit reporting or other personal consumer reports

Fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B. I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within XXXX ( 4 ) business days, as mandated by law.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I expect these accounts to be blocked and removed within 4 days of receipt, as mandated by law.

Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I have attached the FTC Identity Theft Affidavit ( XXXX XXXXXXXX Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.