23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There have been numerous problems and questions I've tried to get answers to with a legal aid service locally. I've not been able to get answers and I'm now coming to you as my last resort. I went through a divorce from XXXX to XXXX. I was awarded the home in the decree. The mortgage at that time was with XXXX. The balance was less than {$30000.00}. When the load XXXX was done in XXXX, unbeknownst to me when agreeing to it, the balance ballooned to {$50000.00}. No explanation or detail was given to me at that time. Since that time the mortgage was sold to XXXX, then XXXX, then New Rez and currently with Shellpoint. I've questioned each time the balance was transferred, it didn't seem to coincide with what it should be. In XXXX, I finally got an assumption to remove my ex-husband from the mortgage and a new loan XXXX to remove him from the mortgage. I thought at least that part was behind me ( but not the balance issue ). When the mortgage was transferred in XX/XX/XXXX, I discovered that the XXXX was split between my ex and myself. My attorney at legal aid requested they send me a corrected XXXX which they never have. I did receive a letter from New Rez stating his name was taken off, but I'm not sure that is true. I also was told at XXXX time that he was still financially responsible even after I assumed the mortgage. I have my account set up online to make payments and to watch the account. Also when the account went to New Rez, they had documents online concerning the transfer. At that time, I found they mysteriously had fees listed which there should not have been any after the loan mod. No explanation has ever been given for those to myself or legal aid. This has kept me from making any additional payments to bring my balance down. The fees listed are much older and some prior to the divorce!!! In addition to that, I can not see the account activity at all, I try to add my phone number as a contact and after I submit it shows until I refresh the account and it's gone. Lastly, I've spoken to a representative within the last 2 months about these matters not available and she made a comment that my account is not fully set up!! This all leads me to believe that somehow my ex is still on the account which after the assumption he should not be. I feel I've been conned and cheated by these horrible companies. I've read all the reviews of each of them and they all make my skin crawl. I've tried the only legal route I can afford to no avail. My home is all I have and right now, that is even in question. I know this is a lot but I'm so frustrated and tired of dealing with deceptive practices. If needed, I have statements from XXXX that shows there were no fees at time of transfer to New Rez
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to tagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I requested Capital One to close my account on XX/XX/2018 because I have not been using the card for past two years and have been paying the yearly fee. 

Capital one solicitated to continue the account by reducing the annual fee to {$30.00}. I refused and requested them to close my account. Capital one agreed to close my account and waive the annual fee and late charges of XX/XX/2018. 

On XX/XX/2018, I noticed that Capital One reported me delinquent for XX/XX/XXXX on credit report. I called Capital One on XXXX to enquire about my request and was informed by customer service agent XXXX that due to coding error request was not properly submitted and she will resubmit the request but not close the account I have to call back after 5 days to confirm whether account has been closed. When I requested for a gaurantee to close my account I was not given a clear answer. After repeated request, she told me that I have to pay additional fines if I want to close the account including the late fee charges for additional month that had been accrued due to Capital Ones negligence in not submitting my request on XX/XX/2018. When I pressed further to close the account and by paying the amount but will complain to consumer court, she started reading a disclosure for my consent. It shows that Capital One is trying to delay the closure of account thereby charging additional fee and money to consumers.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I review my credit report and I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXXXXXX ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy.

Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX, which is enclosed with this correspondence.
Product: Vehicle loan or lease

Attached are files from XXXX regarding XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These were both allegedly covered by extended Insurnace; XXXX coverage, service contract, and XXXX XXXX XXXX through Lender. Please review all statements, receipts. I will also send information about Fraud Claim and others taken to XXXX XXXX XXXX XXXX and misuse of my alleged social security number, credit reports, and inability to have a normal finance experience or life.
Product: Debt collection

Yesterday XX/XX/2023 both my wife and I received phone calls on our cell phones from XXXX ( XXXX XXXX XXXX XXXX per XXXX search ). The calls seemed to be a skip tracing attempt regarding a neighbor of ours ( XXXX XXXX ) as they used their name in the call. Before we could tell them to no longer call us on this they ended the call. The calls from them came back to back at each of our phones around XXXX XXXX  XXXX. I have sent an email to the XXXX XXXX XXXX regarding this as FYI but I felt that the government should also beware of their contact with us. We met XXXX XXXX once when his family moved in but we don't know them other than that! We're requesting contact be made with them regarding this possible illegal collection actions. - Thanks.
Product: Credit reporting or other personal consumer reports

I made a purchase in XXXX for about {$50.00} and I paid for the purchase in store. Macy 's created a credit card account without my consent and they charged on my credit card for {$34.00}. I wasn't aware of such an account. I was NOT contacted by Macy 's by phone or mail or email. After 2 years, I noticed a sudden drop in my credit score in XXXX with delinquency and noticed a new account on my credit report from MACYs. 

I called MACY 's and enquired. They said I missed a payment of {$34.00}. I was surprised as to what this payment is for and more shocking to know that there was an account on my name without any kind of notification. Macys never sent me monthly statements via mail or email too. I have asked Macys to close this account since I wasn't aware of this credit card account. 

Based on my simple google search, It looks like there are a lot of people affected by Macys by creating credit card accounts without their knowledge. This is very concerning about Macys and the CFPB should look into this aggressively to address fraudulent activities like this. I've been very diligent with my credit score for more than past 5 years of my stay in XXXX and this one fraudulent activity by MACYS is affecting my credit score. 

I kindly request prompt action and remove this from my credit report.
Product: Debt collection

Items noted in collections with CBP Affiliated services were never corresponded to myself prior to collections. No contract was made with said company, no billing statements or notices were ever received by reported creditor. No balance or amount owed was ever provided by the creditor. No communication attempts were made by the creditor. I can not acknowledge or verify the validity of any portion of any collection attempting to be obtained by the creditor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Current Employer : XXXX XXXX XXXXXXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Student loan

To whom it may concern, I took summer courses in the summer of XX/XX/XXXX, which was paid for by Sallie Mae which later turned to Navient. The amount of the private student loan was XXXX USD. In XX/XX/XXXX, I graduated from XXXX University, and I attended XXXX University to pursue a Master of XXXX XXXX. I informed Salliemae, I will begin my XXXX XXXX. I was informed as a XXXX student, I will not need to begin repayment on my student loans, and will put my loans in a type of deferment or forbearance status. A degree I finish in XX/XX/XXXX. I began repayment on my loan in XX/XX/XXXX. To this day, I have paid XXXX USD. Navient contacted me for a refinance on the loan through their own company XXXX, and my balance remaining is XXXX USD. I have contacted Navient a number times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with regards to this matter, and received no possible explanation. I am seeking help with this matter, and I refuse to pay Navient another dime. I have attached my payment history for the life of the loan.
Product: Debt collection

I started receiving phone calls from a company called Harris & Harris , LTD a debt collector. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX after several phone calls from them at all hours, I sent them a debt validation letter via regular USPS mail , and in my correspondence I requested to be contacted via USPS mail only and NO PHONE CALLS. 

I received no response to my letter but the phone calls kept coming. My attorney advised me to send another debt validation letter via certified mail which I did. I sent it certified on XX/XX/year> and Harris & Harris received it on XXXX. USPS tracking # XXXX. 

I received a phone call on XX/XX/year> @ XXXX XXXX from Harris & Harris. They will not respond to my asking for validation of the alleged debt.
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. 
: XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I had no indication or knowledge of these increase inaccurate by report, has violated my rights. 
I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 1681i 5 they are suppos
e to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
and according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX I started working with an individual to assist on my behalf of A few accounts that are errors on my credit report. It has been almost 10 months and still the same results. These are all errors XXXX XXXX XXXX {$550.00} Transunion, XXXX XXXX XXXX XXXX {$850.00} Transunion, XXXX, XXXX XXXX XXXX  XXXX {$470.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and these fraudulent accounts and inquiries are still listed on my credit report. I reached out before and the credit bureaus are failing to remove all fraudulent accounts and inquiries. they are willingly breaking the law and infringing on my rights. my reputation is being ruined and I need these accounts and inquiries removed immediately because they do not belong to me and they are inaccurate as well
Product: Mortgage

I acquired a reverse mortgage for my mother in XXXX. She passed away XXXX XXXX, XXXX. I contacted Champion Mortgage about the repayment of the loan. I was told to submit the following documents : 1. Certification of Trust ; 2. Letter of intent to sell the property ; 3. Listing Agreement from the Real Estate company ; 4. a copy of the Death Certificate. I sent the documents on XXXX XXXX, XXXX. On XXXX XXXX I called Champion to ask why I had not received the payoff balance. They said I sent the documents to the wrong address XXXX and not to the XXXX office. The XXXX address was the address I was given. I faxed the documents to XXXX. XXXX XXXX I called Champion to confirm that they had received the documents. They had. I was told I would receive the payoff balance between XXXX XXXX. On XXXX XXXX I was told they needed the complete copy of the Trust. I faxed the complete Trust. On XXXX XXXX I called Champion again and was told that they did not receive the complete Trust because it was the Amended Trust. I explained that the Amended Trust was the valid Trust and the original no longer existed. I called Champion numerous times about this and was told each time that the Trust was incomplete. They also told me that I was not authorized to get the payoff because I was not the borrower. I explained that I was the Trustee of my mother 's estate and that I was the one who obtained the reverse mortgage. I am on the XXXX to the property. My loan officer who originally obtained the reverse mortgage has also been in contact with XXXX XXXX, a manager at Champion. My loan officer sent the Affidavit of Change of Trustee and another copy of the complete Amended Trust. Champion still would not give the payoff balance to the title company. The property is in escrow and closing today, XXXX XXXX, XXXX. 
I wrote to the XXXX and the XXXX. The XXXX has filed a complaint against Champion. Champion has refused to cooperate and has repeatedly denied my request for payoff. The buyers for the property are waiting for the title to clear so they can move into the property. This whole process has been absolutely the most frustrating and disturbing experience of my life. Champion and XXXX XXXX are complicit in conducting illegal behavior that no one should be subjected to.
Product: Mortgage

We got a little behind on our mortgage while under a Chapt XXXX bankruptcy, we missed some payments leading up the Mortgage Company contacting our attorney to file a default. The attorney contacted them and they stated on or around XXXX XXXX that we would have to make a {$6500.00} cashiers check payment to them in order to bring our account current. We scrounged around and sold some things to get the money and mailed it to Loancare overnight on XXXX/XXXX/XXXX. Ever since that date, I have made all my monthly mortgage payments to them. After the chapt. XXXX was discharged on XXXX XXXX, they all of a sudden are stating that we missed XXXX XXXX payment. I clearly show it being paid on the attached word document in XXXX XXXX. I have called them and they said to give them a years worth of proof that I have made all my payments from the XXXX XXXX til XXXX. Again that is attached to what I sent them ( 2 TIMES ) with no response. They are currently reporting fraudulent statements on my credit report that according to my records is false. They are also sending threatening letters stating that we are 2 months behind everytime I do n't make my payment on the XXXX. I have a 15 day grace period on my original loan documents and if I pay it on XX/XX/XXXX, should NOT be assessed any late fees. I am paid on the XXXX of every month and that is the check I use to make my mortgage payments. I have a QWR under RESPA guidelines all typed up that I can mail them in case they do n't respond. Just email me and I will send CFPB and LOANCARE certified copies Priority Overnight. Hopefully you can assist in this and bring a closure to this on going battle I am having. Threatening phone calls and letters can provide a very stressful environment to myself and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reported my account delinquent after I closed the account. I closed the account on the XXXX of XXXX and they reported me late. I made payments XXXX and XXXX. Would not provide me with a payment history. They placed the a account and delinquent because I no longer wanted the credit card. This a fraudulent act.