23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint to report illegal practices by Cavalry Portfolio Services, including violations of arbitration clauses in the original creditor agreements, improper handling of bankruptcy-related data, and breaches of federal consumer protection laws, specifically under the Fair Credit Reporting Act ( FCRA ) and privacy statutes. 
Accounts in Question : Account # : XXXX Balance Owed : {$22000.00} Date Opened : XXXX Dispute Status : Disputed by Consumer Last Reported : XXXX Account # : XXXX Balance Owed : {$2100.00} Date Opened : XXXX Dispute Status : Disputed by Consumer Last Reported : XXXX Account # : XXXX Balance Owed : {$1300.00} Date Opened : XXXX Dispute Status : Disputed by Consumer Last Reported : XXXX Specific Violations : Violation of Original Creditor Arbitration Clauses : Cavalry Portfolio Services is attempting to collect on debts despite the arbitration clause in the original creditor agreements, which prohibits legal actions outside arbitration. 
By pursuing collection activities without adhering to the arbitration process, Cavalry Portfolio Services has breached the terms of the agreements.

FCRA Violations Unverified and Incorrect Reporting : Cavalry Portfolio Services reported these accounts as " Collection or Charge Off '' without proper verification of the debts. 
The information on these accounts, including balances and statuses, remains disputed, yet Cavalry Portfolio Services continues to report them inaccurately to XXXX, XXXX, and XXXX. 
Outdated or Incorrect Reporting of Bankruptcy Data : Cavalry Portfolio Services failed to ensure maximum possible accuracy in reporting information related to these accounts, as required by 15 U.S. Code 1681e ( b ).

Violation of Consumer Privacy Rights : Cavalry Portfolio Services relied on third-party vendors or automated systems to collect and verify bankruptcy-related data.

Sharing consumer information ( e.g., name, Social Security number ) with third parties for these purposes constitutes an unauthorized disclosure, violating privacy rights under the Gramm-Leach-Bliley Act ( GLBA ). 
The courts have explicitly stated they do not verify data or work in concert with CRAs or collection agencies. Thus, the reliance on such unverified data is a breach of federal privacy protections. 
Consumer Harm : These actions have caused substantial harm, including : Lowered Credit Scores : Due to inaccurate reporting, my credit score has been negatively impacted. 
Emotional Distress : I have faced undue stress in disputing these inaccuracies and navigating their financial consequences. 
Financial Barriers : The inaccurate reporting has led to higher interest rates, credit denials, and restricted access to financial products
Product: Mortgage

I have been asked by Mr. Cooper, my mortgage company to submit proof of insurance at least three times starting on XX/XX/XXXX. Each time I've submitted proof of insurance to their provider XXXX/mrcooper and I have received verification that the insurance info was accepted. However each time I've also received in the mail a notice that my insurance has expired on XX/XX/XXXX. In the mycoverageinfo.com portal it shows that my current insurance has been accepted but it does not update the coverage date and it remains the expired XX/XX/XXXX. I have tried to contact Mr. Cooper MANY times to resolve this but they only have automated responses and the Chat portal never works. One time two days ago I managed somehow to get an agent from Mr. Cooper on the phone and she tried to do a conference call with my insurance agent to verify insurance but only managed to get his voicemail. Since then I've again submitted my proof of insurance and the online portal says it is accepted but refuses to update the insurance to current. Since Mr. Cooper continues to send me a Final notice with threats to purchase insurance for me I am trying to resolve this before it gets any worse. I have no recourse, other than writing a complaint.
Product: Credit reporting or other personal consumer reports

This morning, I discovered some inaccurate accounts on my credit report, and Im utterly confused and panicked about how they got there. I always check my credit report regularly, and Ive never had this problem before. I refreshed my browser repeatedly, hoping it was just an error, but the issues remained. Im pleading with you to thoroughly review the documents Ive sent so I can finally stop worrying about this nightmare.
Product: Vehicle loan or lease

Dealership sales man pressured me into giving SSN to verify my Identity even after providing my XXXX Drivers License. Then proceeded to run my credit through different banks without my consent at all verbal or wet signature.
Product: Credit reporting

Equifax is taking too long to clarify dispute results from accounts that have been closed but still have recent payment process, or due amounts.
Product: Debt collection

For One The Address Is Wrong My Address Is XXXX XXXX XXXX XXXX The Address They Got Reporting Is XXXX XXXX XXXX South Carolina. Thats Not My Address, The Birthday Reporting Is XX/XX/98, My Birthday Is XX/XX/98. I Do Not Own This Debt. I Would Like It Removed From My Credit Report
Product: Mortgage

My home was damaged due to Hurricane Ida. I am currently displaced in Texas. Carrington placed me on forbearance from XX/XX/2021 to XX/XX/2021. Per my desk adjuster, the repairs will take at least 8 mths. I would like to apply for HAF. I have called many times and still no answer. Only Robotic ... press 1,2,4,5 etc ... How can I apply?
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I contacted earnin and asked for ach revoke. I was told okay and disconnected. I contacted earnin again on XX/XX/year> and confirmed ach was revoked and the payment of {$63.00} and {$74.00} would be cancelled and not taken out of my account on XX/XX/year>. The money was still removed after ach revoked on both XX/XX/year> and XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached screenshot that show very serious incorrect balance and payment history recording from my closed mortgage account. The loan was service transferred on XX/XX/XXXX. At that time it had a balance amount of {$190000.00} - There was never a loan balance of {$190000.00} since the transfer date of XX/XX/XXXX. 

Also at that time of transfer the loan was CURRENT with a {$190000.00} balance. There was a first payment of {$1400.00} that was recorded on XX/XX/XXXX - the following payment of {$1400.00} was recorded on XX/XX/XXXX - with a third payment of {$1400.00} being recorded on XX/XX/XXXX. XXXX. And our records that are also supported by the monthly statements will show a consistent and on time payment history that started on XX/XX/XXXX with the last payment made of {$1400.00} being recorded on XX/XX/XXXX. So it would be great if we could get the reporting to show 17 consecutive payments starting with XX/XX/XXXX to XX/XX/XXXX XXXX last payment before second transfer ). The loan was once more Service Transferred on XX/XX/XXXX, with payments then being sent to the new loan Servicer starting on XX/XX/XXXX. 

Since the XX/XX/XXXX loan Service transfer date, we have made 20 CONSECUTIVE mortgage payments that were all made within the 15 day grace period.
Product: Debt collection

Hi, I have medical inurance with a XXXX $ copay. I have had this insurance since birth and continue to pay into it today. The XXXX $ is absolutely ridiculous considering it should only be 5 . I have XXXX XXXX XXXX XXXX XXXX and im willing to provide any information needed to dispute this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. 
Please delete the following accountsXXXX 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 XXXXEDIT XXXX XXXX XX/XX/XXXX {$64.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a mailed a formal letter to TRANSUNION requesting documentation validating ( provable documents as to the accuracy, completeness, timeliness and otherwise compliance of how account is reported ) of XXXX XXXX/XXXX Account # XXXX that is listed on my report. On XX/XX/2020 Transunion responded with a letter that investigation is complete however they failed to provide the requested documentation as mentioned above. 

On XX/XX/2020 I mailed a formal letter demanding that TRANSUNION provide validation documentation and allowing 15 additional days to review and comply. 

As of today, XX/XX/2020, TRANSUNION has yet to provide this information within the allotted initial 30 days or the additional 15 grace period. Therefore I request that TRANSUNION delete this account from my credit report immediately.
Product: Vehicle loan or lease

I setup auto-payment on my Wells Fargo auto loan on XXXX XXXXXX/XX/XXXX. I have an email confirmation that the setup was completed and the payment will be made soon. However on XX/XX/XXXX, I get a notification that my autopay is past due. First of all, autopay is a computer program that takes money out of my checking account and pays my auto loan. There should not be any need for human intervention. Second, after I setup autopay, the email headline says, " Autopay will kick in soon ''. Third of all, when I setup my autopay, the email confirmation said, " Autopay will start on my current statement due date ''.
Product: Credit card or prepaid card

This car was open fraudulently I am notify the company for years. It has been removed from my XXXX XXXX and also my XXXX, but still being reported to experience I never authorize this, so its not fair.
Product: Debt collection

Navient capitalized the interest on my account, which they said was due to my payment plan expiring. However, when I looked deeper into it, the notices sent and the payment plan show that they capitalized the interest  one  full month prior to the plan 's expiration. I reached out to them several times, each time documenting my request to reverse the capitalized interest. Finally, after several weeks they reversed the capitalization of interest.     I want others to be aware that this can happen and to look into the account history to determine if Navient has incorrectly capitalized the interest on the account, prior to the date permitted, and to understand that this can be reversed but that they must be proactive and follow-up with these requests.
Product: Credit reporting or other personal consumer reports

There were three personal student loans disbursed to me in XXXX from XXXX for {$11000.00}. I settled with XXXX and had all three paid off by 2014, documented in my records. 

The student loans reappeared on my credit report after the Dept. of Education " bought '' these settled loans. Since then my taxes have been garnished and my loans moved from servicer to servicer. Everytime I call the response is, there is an overwhelming call volume, and disconnected call. 

I have continued to call and send letters to have these loans removed. I have contacted all three credit bureaus, the CFPB, studentaid.gov, XXXX XXXX, Nelnet and XXXX XXXX. I have sent irrefutable proof, documentation and payment records. Then there will be a pending investigation, then no response. Next, I realize that the loans have " moved '' to another servicer. 

Now to round out a very long story my loans have been duplicated on my credit report from NELNET and XXXX. Now there is over {$30000.00} in student loan debt on my credit report. I disputed through the Credit Bureaus and they refuse to remove them. THIS IS DELIBERATE FRAUD FROM NELNET AND XXXX AND NEEDS TO BE RESOLVED IMMEDIATELY. 

All 6 loans need to be removed from my credit report.
Product: Checking or savings account

I deposited a 3rd party check at chase bank. XX/XX/XXXX. The check was on hold for 10 days it cleared and was deposited by chase bank. 
Then my account was put on hold then closed. Chase then took the funds and put them on ( suspension ). And wont release funds until it is verified by phone with 3rd party. They tried to verify it with a phone # that the 3rd party had 8 years ago. Didnt work. We then went to a Chase branch and the branch manager verified me and 3rd party in person with our id cards and social security card to the chase fraud department. 
Still not good enough. The funds are still being held by chase. It has been 18 days now. No resolve. {$46000.00}
Product: Debt collection

This collection company sent me a letter trying to collect on a debt that I do n't owe from XXXX insurance company. They are saying I owe XXXX but in fact I do n't! They automatically withdrew money from my bank account each month and they did n't insure XXXX of the cars that 's why I had to seek new insurance with XXXX XXXX! I paid them every dime that I owed them and they are still trying to charge more! They sent me a letter informing me that they were canceling my policy because they did n't insurance on of the XXXX car! So if they did n't insure the car there was no money owed and I set up direct draft! They need to send me an itemized statement with all the charges being very specific on to what I 'm paying additional money for. Texas law requires them to explain to me with original documents from original debtor on how they came to the amount of {$320.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block, inc. ) due to inadequate customer service and unfair practices, which violate the customer financial Protection act ( CFPD ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I applied for a loan modification due to the COVID crisis. Lost my good paying employment to later ( XXXX of XXXX ) regain employment at a lessor salary and my spouse becoming permanently XXXX and receiving XXXX. I had no choice but to find a second source of employment in order not to lose our home. We applied back on XX/XX/XXXX and been given the run around since. Please help by reaching out as XXXX terrified to lose our home. 

XXXX still waiting for Wells Fargo to call or mail a verification of employment to employer. It was initially generated on XX/XX/XXXX. However, employer has yet to receive a phone call or a verifican of employment form via mail. I have submitted all the correct documents requested by Wells Fargo and was told that the employer had a non serviceable number? When the employer had already supplied a written verification of employment with all correct information on header. I spoke to Wells Fargo about this issue on XX/XX/XXXX and told them I would be following up with this concern to cfpb and they suddenly were able to correct the employers number from information on the verification of employment. What other number they had on file I have no idea where it came from. Had they looked at the verification of employment letter all the correct Information was provided. They then notified me that everything has been completed and verified. However, my application for the COVID recovery program has been in limbo for 3 months and still no answer yet. They had originally reported back to cfpb they would had a final decision in 60 days and Im still waiting past 3 months now with no decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I fell behind on my mortgage because I had lost my job. I am employed again now. I am confident that I can make the payments on my mortgage even if my servicer rolls the past due amount into the loan and uses the current market interest rate to determine my new payment. I was in the process of a modification with XXXX XXXX when they sold my loan to Caliber Home Loans on XXXX XXXX, 2015. XXXX XXXX explained that they had not yet made a decision on my modification when they sold the loan. They said that they would forward the modification application to Caliber Home Loans. I called Caliber immediately on XX/XX/XXXX but they said that they did not have my loan yet. I called a week later and they said that I should resubmit my application. I sent in all of the documents required on XXXX/XXXX/15. I received a letter a few days later dated XXXX/XXXX/15 that they had received all of the requested documents and that my application was considered complete and that I would receive a decision within 30 days ; I did not. I can not get a straight answer from Caliber Home Loans. Sometimes when I call in they say that my application is being reviewed, sometimes they say that it was mistakenly denied and that they would re-review it and get back to me. Last week I received a " notice of intent '' to foreclose even though the XXXX/XXXX/15 letter said that they would not start foreclosure proceedings. Now I receive hang up phone calls from Caliber Home Loans every few days. I have requested to talk to a supervisor on several occasions and they inform that a supervisor will have to call me back and guarantee the return call with 24 hours ; the return call never comes. I would like to file a complaint against XXXX XXXX for not sending me a timely decision on my modification request. I would like to file a complaint against Caliber Home Loans for not sending me a timely decision on my modification request, for pursuing foreclosure while I was under review for a modification. It seems that Caliber wants to foreclose on my house and keep me in the dark to prevent me from taking action against them until it is too late. I would like to modify my mortgage or work out a repayment plan or figure out a way to stay in my house. Unless someone else gets involved I am concerned that they will continue to confuse the situation until they can take my house. I want to stay in my home. I am confident that I can make the payments if we can modify my loan.
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolvedThe Consumer Financial Protection Bureau ( CFPB ) had recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a customer.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( PARAMOUNT CAPITAL GROUP ) LAST REPORTED DATE XX/XX/2023, bureau ( XXXX XX/XX/2023 ), ( XXXX XX/XX/2023 ), ( XXXX XX/XX/2023 ) ( XXXXXXXX XXXX DAYS LATE PAYMENT ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/XXXX I pulled a copy of my credit report and notice Cavalry along with some other negative accounts that i was not familiar with reporting to the 3 major credit bureaus XXXX, XXXX and XXXX. So I sent a letter to the bureaus asking them to do an investigation. 

The bureaus responded XX/XX/XXXX. They corrected and deleted all the questionable accounts except Cavalry. They said Cavalry has verified that the account is accurate and it belongs on my credit report. So XX/XX/XXXX I wrote a letter disputing the account with Calvary asking them for a copy of the contract I signed with them along with some other pertinent documentation as proof that this account is mine. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Cavalry sent me a bunch of computer generated statements they created stating that was the proof that the account belong to me. None of the documentation they sent had my signature and all the pertinent documentation I requested to further prove the account belong to me was not sent. 

On XX/XX/XXXX I again sent a letter letting them know that they are in clear violation of the fcra and fdcpa and should cease reporting to the bureaus because they are trying to collect a debt that does not belong to me. 

They responded 4 days later XXXX XXXX XXXX with another computer generated letter stating that they have verified the account. 

I will be attaching 1. response from XXXX stating that Calvary verified the account as accurate 2. first dispute letter sent to Calvary 3. response to first dispute letter 4. second dispute letter sent to Calvary 5. response to second dispute letter sent to Calvary