23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I own a small business and was required to have a Workers Compensation Policy. As my business changed, I no longer needed the Policy so I cancelled it. The insurance company claimed I owed premium after I received a refund of my premium over-payments as a result of my cancellation. I informed the insurance carrier and completed the required Audit which verified they actually owed me an additional over-payment of premium. Well, after informing the Debt Collector of this, they repeatedly attempted to collect the payment even after I stated that it was resolved and that they should contact their client -- the insurance company. They said that was not their job and that I needed to pay the amount they are showing. I then requested to have one of the owners of the debt collection company contact me to discuss this matter. After three phone calls he finally returned my voicemail and said he will listen to the call recordings that took place with me. I told him that I wanted to receive an update after that investigation. Again, I left three voicemails again this time over a 10 day period with no response. I do have specific dates and times of my voicemails so please let me know if you would like those as well.
Product: Student loan

Navient bought my loans from Sallie Mae, sold them to a collection firm in XXXX and now I am being garnished from another collection company in XXXX XXXX called XXXXXXXX XXXX XXXXXXXX, even though part or all of these are supposed to be discharged! ( See below ) Sallie Mae has claimed private loans were sold to Navient, then Navient refuses to deal with me, as they were sold off to XXXXXXXX XXXX XXXXXXXX collections in XXXX  XXXX. As per my understanding, the following has taken place and applies to me : To qualify for discharge under the Navient settlement, a private student loan must have been originated between XXXX and XXXX by Sallie Mae ( SLM Corp. ) and must have been charged off by Navient as of XX/XX/XXXX. Additionally, the loan must meet one of three conditions. 

The borrower at loan origination had a FICO score below XXXX and attended a for-profit school or below XXXX and attended a non-profit or public school The loan was used to attend of the for-profit schools included here under # 6. 
The loan originated under Sallie Maes opportunity or Recourse program. 

I did have a FICO score under the XXXX and attended a non-profit school within the time frame of these loans being offered. XXXXXXXX XXXX XXXXXXXX, through Sallie Mae and Navient, is still collecting on these even though this took effect over a year ago! In other words, XXXXXXXX XXXX XXXX jumped on this in XXXX, knowing this was NOT supposed to take place. 

Dealing with this group is very difficult. They never act forthright, use courts to intimidate and bully, collect on my pay through back door means and likely bought this debt for pennys on the dollar, yet are collecting it all!
Product: Debt collection

I checked my credit and saw a debt from NATIONAL CREDIT SYSTEM with the Original creditor being XXXX XXXX XXXX XXXX for {$6300.00}. I have never had a lease at this apartment community. My daughter resided at this address but I was never there nor was I added to the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The item in question on my credit report is currently part of ongoing litigation due to significant reporting errors. Since this item is in pending litigation, verification of the disputed inaccuracies is not possible at this time. Therefore, in compliance with 15 U.S. Code 1681i ( a ), this item should be promptly deleted from my report. Their continued presence, despite the unresolved litigation, unfairly impacts my credit standing and fails to respect my rights under federal law. Immediate action to remove this item is necessary to ensure the accuracy and fairness of my credit report.
Product: Credit reporting or other personal consumer reports

CASE # XXXX AGAIN ITS A VIOLATION, TRANSUNION HAD MORE THAN 60 DAYS BEFORE THIS COMPLAINT THEY NEVER REPLIED I HAVE PROOF OF ALL THE LETTERS I SENT SINCE XX/XX/2023 AND THEY SAID THEY WILL OPEN AN INVESTIGATION, NOW WE ARE IN XXXX NOW I DONT HAVE 60 DAYS IM TAKING THIS TO THE FCC, SECRETARY OF STATE.
Product: Mortgage

U.S. Bank holds the mortgage to my mobile home that I purchased in XX/XX/XXXX. I pay my insurance and taxes in escrow monthly, and for the past 3 years U.S. Bank has paid my insurance and taxes using my funds in escrow. I received a letter today from Mississippi XXXX XXXX XXXX that my insurance has been canceled because the premium was not paid to them by the due date of XXXX/XXXX/XXXX. I called U.S. Bank and they refused to pay the premium because the representatives and a manager at the bank stated that they would not pay the premium until they receive an update copy of the policy. I called Mississippi XXXX XXXX and they stated they do not send out the new policy until the premium has been paid to them. XXXX XXXX, XXXX, called U.S. Bank to resolve the issue and they also told him that they would not pay the premium until they received an updated copy of the policy. XXXX XXXX told me that they have never sent a policy until they premium has been paid to them. I called the Mississippi Insurance Commissioner 's office and spoke with a representative who told me to call the Consumer Banking Complaint department in Mississippi, and they directed me to your company. I live in XXXX, XXXX which is right in the XXXX hurricane zone path and now I do not have insurance for my mobile home. I can not get U.S. Bank to send the premium and they will not send my money to me. They told me that I could complete a form to cancel my escrow, mail it to them, they would review it, and decide if they would cancel my escrow. I have never made a late payment and have excellent credit. I have always paid before or on time for my mortgage note. I am a single mom with a daughter in college and do not have the money to pay the premium. If a hurricane hits my area, then I do not have insurance to cover the home either. XXXX XXXX, XXXX, told me that now I have to reapply for insurance and be approved before they can accept payment, if it is not received ASAP. I need U.S. Bank to immediately release my escrow money to me, and cancel my escrow ASAP. I was unable to go to my second job today because I have been on the phone trying to resolve this issue all day, and may not have the job now. I am very distraught about this issue. I can not believe that a bank would hold a customer 's money hostage, and not pay the bills as they promise to do so with escrow money. They have paid my homeowners and windstorm insurance for 4 years, and my taxes, and now they are refusing to pay without justifiable grounds to hold my money.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX Account Number : XXXX Update to paid as aggree 5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 10. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX
Product: Credit card

I opened a XXXX XXXX  credit card that had a {$95.00} annual fee. I never received the card and, upon calling them multiple times, eventually found out I wouldn't receive the card until I went to a branch with proof of residency. As there was a convenient nearby branch, I canceled the card and had the {$95.00} annual fee reversed by an agent via telephone. I later discovered that the fee hadn't actually been reversed and that I was charged a {$40.00} late fee as well. I was not made aware of this until calling back and once again asking them to reverse both fees, since I never received the card. 

The day after I called to reverse the incorrect fee a second time, they reported me for a late payment that drastically reduced my credit score with all three agencies. I called and emailed to have this late payment reversed but received no response. 

This was an illegitimate annual fee as I never received the card. In addition, I was told the fee was reversed before payment was due. I also wasn't notified that the fee was still outstanding until it was basically too late to avoid a late payment report to the credit agencies when no payment was actually due. The fact that the fee was reversed ( twice ) supports no payment was actually owed. 

It was horrible dealing with this bank and very difficult to reach the correct department to resolve an issue they created by approving a card and charging it then not actually mailing it. Insult to injury, they ruined my XXXX credit score due to an illegitimate charge that I was told had been reversed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in 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 Account number XXXX XXXX Account status Collection Available credit {$0.00} Reported balance {$0.00} XXXX XXXX Date opened XX/XX/year> Experian Account number XXXX XXXX Account status Collection Available credit {$300.00} Reported balance {$0.00} XXXX XXXX 0 % Date opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! - An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. - An account that I had removed XXXX XXXX  XXXX was back in my report! - Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! I demand an explanation of the miss handling of my report immediately and my account to be corrected. I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXXXXXX  to be corrected as OWNER and NOT Authorized user. I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Product: Debt collection

I have disputed XXXX XXXX XXXX twice now on Experian with documentation. They continue to report a XXXX balance at XXXX XXXX XXXX in XXXX NC. I have a XXXX balance receipt from the XXXX that I have sent Experian twice. This item isn't even 1 % correct much less 100 % correct as required by the FCRA. I insist the CFPB use the full weight of the FTC to have this item removed from my Experian report forthwith. I am attaching my receipt but they have been copied on it twice. It's time to get serious about this befure we start seeing that {$5000.00} lawsuit come to fruition.
Product: Mortgage

This is a follow up to closed complaint : XXXX. 

I am a XXXX XXXX XXXX in Washington State trying to complete a short sale on an estate property. Novad did follow up and said they requested a rush appraisal with me as the point of contact. I have not received a call from an appraiser to schedule. 

To further this, I have sent emails to follow up. 

XX/XX/XXXX email requesting the appraisal due date XX/XX/XXXX call to the extension of the Loss Mitigation Supervisor. Extension rings with no voice mail. Emailed to follow up and to let them know that a son of the deceased is living in the home ( not paying rent ) has threatened to trash the house and cut down trees, even suggested cash for keys. I asked for their advice in order to protect the property. 

XX/XX/XXXX another call to the extension of the Loss Mitigation Supervisor. Again, extension rings for several minutes with no voicemail. I sent another follow-up email. This time the email is kicked back as the email address to the Loss Mitigation Supervisor and another staff member of Novad included on the email chain is not found and is unable to receive mail. 

I am highly concerned that Novad is impossible to work with. Why offer the option of a short sale if Novad is not willing to go through the steps to complete the process? There are buyers who have put an offer on the home who are hoping to start a new, exciting chapter in their life. The lack of response is bound to exceed the contract offer terms. It seems Novad prefers homes to go into foreclosure. Such a waste of time, resources, and money. HUD needs to investigate this and find another provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Synchrony Bank -XXXX  that the inquiry made on my report is fraudulent. They sent a ambiguous letter which is non responsive and ask for information already provided.
Product: Credit reporting or other personal consumer reports

Subject : Request for Comprehensive Re-Investigation and Clarification - Complaint ID XXXX Dear Equifax Dispute Resolution Department , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and subsequent amendments under the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting a comprehensive re-investigation concerning the previously filed complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal. 
* Adverse Accounts Verification : * The purported verification of the XXXX XXXX XXXX account is lacking in substantive evidence. I hereby request a detailed disclosure of the verification process, including the name and contact information of the furnisher pursuant to Section 611 ( a ) ( 7 ) of the FCRA. 
* Trade Modifications Clarity : * The modifications on the XXXX XXXXXXXX XXXX trade are ambiguous. I demand a complete breakdown of all modifications, including payment history, account status, and balance, in accordance with the Truth in Lending Act ( TILA ).

* Non-Reporting Disputes Confirmation : * I seek a formal written confirmation regarding the removal or non-reporting status of the disputed trades with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 
I expect a human-reviewed, detailed response that addresses each concern explicitly. Failure to provide a satisfactory response within the stipulated 15-day period as outlined in the FCRA may compel me to seek legal recourse to ensure the accuracy and fairness of my credit report. 
Yours sincerely, XXXX XXXX
Product: Credit card or prepaid card

Violation of UDAAP - due to Unfair and Deceptive Practices : - My credit card was Paid in Full effective XXXX/XXXX/XXXX, resulting in a credit balance of {$24.00}. 
- I followed up with CapOne to determine the amount of time it would take to process my refund check ; I was told 30 days. 
- I allowed CapOne over 30 days to process my refund. At the end of XXXX I had still not received it, so I called to follow up. I spoke to XXXX who indicated the refund was in process, and I should receive it the week of XXXX/XXXX/XXXX. 
- I did not receive it that week, nor the following, so called back on XXXX/XXXX/XXXX. I was again told it had been processed and that I should be receiving the check any day. 
- My address was verified with each phone contact ; but as of yesterday, I still had not received my check. I called once again. I first spoke to XXXX, who again verified address information. XXXX could not assist me with the status of the check. I was told I would need to be put on a TEN MINUTE hold to await another party to assist me. 
- When I mentioned a potential complaint to be filed with the CFPB, XXXX immediately put me in touch with XXXX. XXXX informed me my account was closed. Yes, XXXX, I know that. XXXX had to again verify my address, but had no solution to resolving my issue other than to 'Check with your Postal Carrier '. 
- I reminded XXXX that I continued to receive statements from them at my home address. I assume they used the same data field for all outgoing communications. These communications would be sent First Class Mail - so if there were any issue with my address, the envelope would be returned to Cap One for a bad address. 
- I asked XXXX if they could do an ACH refund as opposed to a check. ( I was told in previous conversations they 'do n't do ACH transfers '. XXXX said perhaps they could - put me on hold again, and then transferred me to XXXX. 
- XXXX did not have any sense of my evident level of frustration, and did not 'tread lightly ' with what was now an irate customer. I was put on Hold again. 
- By this time I had been on the phone for 45 minutes, still without a resolution to the issue of the refund check. I waited another five minutes and finally hung up. 

I have now spent hours on the phone with this company, and am still awaiting my refund.
Product: Vehicle loan or lease

I purchased my car through Audi Financial Services [ AFS ] at the end of my 36 month lease. I followed instructions as provided to me. I mailed a check for {$30000.00} which was cashed and posted to my account on XX/XX/XXXXXXXX. I also provided a {$15.00} check for overnight mail of my title. At the end of XXXX, I contacted a representative at AFS and she said she would mail me the proper paperwork to complete the transaction- the odometer reading with signatures. Although I had updated my mailing address with AFS, they sent it to the my old address- an address I had not lived at for over a year. I had been receiving monthly bills from AFS at my new address for over a year. They put the old address in the odometer paperwork so I then I had to request new paperwork because I was told DMV would not accept it with a new address written-in. In XX/XX/XXXXXXXX, AFS sent me new paperwork to my new address that was different and completely incorrect. I had to contact AFS and point out the err ; they agreed it was a mistake and sent me new paperwork. Once again, the new paperwork was wrong again. Finally, at the end of XXXX the proper paperwork was filed with the odometer reading. On XX/XX/XXXX, AFS told me it would be 2-3 weeks until I received my title in the mail. XXXX weeks passed and I did not receive the title. I contacted them again on XX/XX/XXXX to ask where my title was. They again told me that it would be ANOTHER 2-3 more weeks. I still don't have the title two weeks later. I paid for this car on XXXX XXXX, XXXX. I followed every instruction I was provided promptly and efficiently. As a consumer, this puts me in bad situation. I have spent tens of hours of my time trying to resolve mistakes made by AFS. I have waited months to receive a title I paid for three months ago. I will never do financing through AFS again. Terrible experience.
Product: Mortgage

My home is being foreclosed on XX/XX/XXXX in a non judicial state with fraudulent assignments.The assignments were created after the cutoff date of the alleged trust filed with the United State Security Exchanged According to the trust all mortgages and assignments had to have been conveyed prior to the cutoff date of the trust. The assignments are robo signed and fraud can not be the bases for obtaining a deed. I also mailed a QWR and proof of claim to Wells Fargo over 60 days ago. They have not responded to either.