23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home in XX/XX/XXXX. Part of my loan agreement was that if I made all my payments on time I would have {$1000.00} credited to my PRINCIPAL balance for the first 5 years of my loan. I made all my payments EVERYONE on time. I received the first credit. My loan was sold to Nationstar Mortgage in XX/XX/XXXX. Nationstar reported to the credit bureau that I was paying late which was not true they ruined my credit and I could never get that removed or fix that error to my credit. I started contacting the mortgage company which is now called Mr. Cooper in XX/XX/XXXX regarding the error in reporting and the {$1000.00} credit due toward my PRINCIPAL balance. I have been trying to get Mr Cooper to  credit the additional {$4000.00} to my PRINCIPAL balance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and the additional {$1000.00} credit due to my account if I met the terms for the first 5 credits which I never  received. I have spoken with more than 200+ people at Nationstar and Mr Cooper in the last 6 YEARS. On XX/XX/XXXX I received a letter from XXXX XXXX stating they credited the credits due from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX. They also sent me a DODD Frank Form to fill out for the additional 6th credit. I returned the DODD Frank form on XX/XX/XXXX. I called XXXX XXXX at least 5 times to have the credits from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX applied correctly as they were not credited correctly and I have and am still paying interest on the amounts. Which should have reduced my principal balance in those years. As of today XX/XX/XXXX I have not heard back from XXXX XXXX at all and I have not received the credit due from the Dodd Frank form dated XX/XX/XXXX. 
Mr Cooper had no problem raising my interest rate per the modification on time not ONE day delay but they still refuse to give me the credits I deserve and are trying to make me pay interest on a balance that should have been reduced starting in XX/XX/XXXX. It is going on 7 YEARS that I have been trying to get this resolved. 7 YEARS!!!!!!!!! I am still due the final credit and an adjustment to my payments from XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/ around XXXX XXXX I received three text messages that stated someone was trying to attempt to XXXX themselves {$800.00}. I received these text what I thought was from Navy Federal Credit Union. I gave up personal information over a what was an hour phone call because their end kept hanging up. The phone number that called me was XXXX and when I looked up that number it said it was NFCUs Fraud/Scam line so it gave me more reason to believe it was legit. I gave my social security, icloud login, name, and much more but I kept receiving texts that there was suspicious activities still going on with my account. I called NFCU two times before I went into the bank because they told me I would have to come in. From there I learned that my account was highly compromised and they took out a {$13000.00} loan in my name and pocket about {$8000.00}. I believe a XXXX XXXX XXXX from XXXX, GA was the one who scammed me because after my XXXX was compromised, his pictures was saved to my phone. I did a little research and I seen that he has been scamming since he got out of high school or even during high school. I have built up the evidence to help me support the idea that it was him. He went to XXXX  for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX by XXXX billed me for water I never received. When the account was first open I received one case of water and a cooler bought. They billed me for water that they never delivered. They never came back to my address. I remember clear as day the driver was complaining about the drive which was in the year XX/XX/2009.
Product: Checking or savings account

On XX/XX/XXXX, I reported my debit card missing. After reviewing my account I discovered that there was an ATM withdrawal for {$300.00} that I did not make or authorize. I disputed the transaction, and after numerous phone calls I was told that the dispute was denied. I was not given any reason, on the phone or in writing. I disputed it again. After another 10 days and more pone calls, I was told they denied it again, because there was a charge made to XXXX, for {$3.00} onXX/XX/XXXX that was authorized. I went to my local branch and disputed the transaction again through the branch manager. I explained to her that the XXXX transaction was as follows : On XX/XX/XXXX I rented the movie, where I had to swipe my card, but not charged untilXX/XX/XXXX after the movie was returned. This is how XXXX works, so you get charged for the amount of days you have the movie. I was charged for 2 days because the movie was returned after XXXX XXXX. I forwarded the email from XXXX, stating the day the movie was rented, to the branch manager and she forwarded it to the " department ''. Again, after more phone calls, and no one ever lets me speak to the people who make these decisions, my claim was denied. I have been on the phone for hours at a time, submitted paperwork, emails, and never once does anyone ever know what is going on or do they ever let me speak to someone in the research department to try to resolve this in the proper manner. If someone from the " department '' would talk to me, maybe I can provide them with more clarity to resolve this. I can forward you the email as well, but I have no way to attach it below.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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 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: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX  NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance : {$27000.00}, and XXXX XXXX Date Opened : XX/XX/2015 Balance : {$8100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 card

Someone opened an account in my name. At the the time the account was opened I was in a XXXX XXXX. Also didn't have a I'd at the time or at any of the addresses they so sent the paperwork to. Just trying to get some type of understanding of this. I got a I'd with the XXXX XXXX address and the time frame on there. Plus some other paperwork.
Product: Mortgage

Recently, my mortgage was sold from XXXX XXXX to Home Point Financial ( despite similar names, there is apparently no connection to one another ). After having received notification that my mortgage was sold, I immediately went online to create an account and added the necessary information for automatic, recurring monthly payments to be made. Shortly thereafter, I received a letter from Home Point stating that they had a system glitch which accidentally reported to the credit bureaus that I was late on a mortgage payment. When I called for explanation, I was assured that it was taken care of, and that I would not be negatively affected in any way. Not long after this incident, I started receiving threatening letters claiming that I had neither personal property insurance or insurance for my condominium association at large ( both of which I indeed had ). Upon receiving this letter, I called and was instructed that during the process of aquiring my loan, it was my responsibility to provide proof of insurance. Immediately, I sent the proof of insurance both for myself and for the condominium association ( which was not easy to obtain ). A month later, I received another threatening letter stating that because of my failure to provide proof of insurance ( which I had indeed sent over the month prior ), the mortgage company would purchase insurance on my behalf, which would amount to {$23000.00} annually ( as seen in attached document ). Completely distraught over what I was reading, I called Home Point Financial the same day I received the letter, XX/XX/XXXX, and spoke to an employee whose name is XXXX XXXX ( according to another employee with whom I later spoke ). This employee very rudely and harshly exclaimed that I had not sent over the proper documents ( though it was later confirmed that I did, in fact ), and that she would correct the situation after I re-sent the updated insurance documents. Despite having sent over ( now multiple times ) proof of my personal home owners insurance and proof of the condo insurance policy, on XX/XX/2018, but dated XX/XX/XXXX ( just two days after having spoke to XXXX XXXX and sending once again all applicable documentation ), I received a letter stating that the company went forward with purchasing an insurance policy in the amount of {>= $1,000,000} in my name without any written or oral consent or knowledge on my part ( as seen in attached document ). Once again, I called Home Point financial, this time speaking with an employee named XXXX, who apologized and assured me that this policy, which was taken out in error, would be cancelled. On top of this entire debacle, XXXX informed me that Home Point did not properly notate ( upon purchasing my mortgage ) that my loan is indeed set up for Escrow payments, now causing my property taxes and home owners insurance policy payments to be delinquent.
Product: Bank account or service

# 1 -- PayPal/Ebay Inc Auction where as XXXX transactions were disputed, PayPal/Ebay, withdrew money from my paypal account despite teh buyer recieving th eitem, without verification that the buyer did not recieve after seller verified that the item was shipped and delivered, after complaint. # 2 -- PayPal/Ebay Inc, Did place a hold on my account in the amount of {$70.00} after a dispute was filed by a buyer for an item sold for {$5.00} with Shipping of {$7.00} ( {$13.00} ), this is in excess of {$56.00} abover item in question, i believe this action to be theft and criminal, as there is no basis to hold XXXX times the amount in question. I wish for criminal charges to be brought against PayPal/Ebay for their theft from my accounts, and forbidding me access to my money and property, as this additionally is a violation of their terms and legal bounds
Product: Checking or savings account

I was a member of navy federal until XXXX or XXXX. Just trying to see if I am able to submit a claim for overdraft protection lawsuit.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  Account number XXXX is reporting this debt as an auto loan indivual account on my XXXX, XXXX, experian, and XXXX credit reports. This account is a corporate account belonging to XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that requires companies to remove or correct inaccurate information from consumer reports : this entire account needs to be deleted from my credit report. I finally obtained old financial statements from XXXX XXXX XXXX XXXX XXXX  after begging and begging them to help me prove that this debt is not mine and they finally helped me. attached is the proof that XXXX XXXX XXXX XXXX XXXX is the owner of this account with print outs of their statements with payments for the vehicle. This needs to be removed immediately. It is not an indivual account it is a corporate account
Product: Credit reporting or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter The INCORRECT Address that should be deleted is XXXX XXXX XXXX, XXXX Georgia XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The CORRECT Address is XXXX XXXX XXXX, XXXX XXXX GA XXXX. I am also showing an incorrect EMPLOYER of XXXX that needs to be deleted.
Product: Student loan

Submitted borrower defense cases in late XXXX due to the schools XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX being accused of misleading students along with false promises. Borrower defense cases were approved in XX/XX/XXXX. Have been trying to get a resolution from the Department of Education and my loan servicer ( EdFinancial ) for the last year. However when reaching out to either one, they immediately start pointing at the other company for resolution. Was informed by XXXX on XXXX that a refund of {$5300.00} was to issued. However that money has not been received in full. The loan servicer and Department of Education keep changing the amounts at random. Latest amount was on XXXX XXXX in the amount of {$2300.00}. Of which only {$1500.00} has been received. Department of Education and EdFinancial are refusing to honor written documentation from them in the correct amounts. Court documents attached show that all of the students loans and credit repair was to be completed by XX/XX/XXXX. However this has not happened. Legal documents have been filed by the XXXXXXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 received a letter indicating Notice of Data Breach with Title Max
Product: Credit reporting or other personal consumer reports

my personal information was exposed in a data breach. please remove these negative accounts from my credit reports
Product: Checking or savings account

I am filing writing this message 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 lagged 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 reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries on my credit report and did not authorize these to be reporting on my consumer report. 

Inquiry : 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: Debt collection

Capitol One sent CFPB a statement stating my debt was sold but did not supply the last billing statement which would statement the debt is more than 10 years old an should be removed.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm issue me an installed loan in the amount of {$3200.00} for purchase of an item from a third-party using their Affirm virtual card product.

The merchant from whom the purchase was made is XXXX, an online seller marketplace. 

I ended up returning the purchase and was issued a full refund to my Affirm virtual card by the merchant, XXXX which they confirmed had been settled by their payment processor, XXXX on XX/XX/XXXX. Additionally, XXXX has provided a trace ID number from XXXX substantiating that the refund was settled successfully. 

In other words, Affirm received a refund in full for this purchase with the money posting to their account on XX/XX/XXXX. 

To date ( XX/XX/XXXX ) I have yet to have that refund applied to my Affirm card and/or account. The loan is still active, still being charged interest, and I have been unable to resolve this in a timely manner.

I have contacted Affirm at least three separate times on this issue. They placed the loan in dispute and have claimed to reach out to their payment processor. My loan continues to be marked as delinquent and Im unsure if they will mark it as such on my credit report.

Additionally, Affirm relays deceptive and misleading information regarding returns on their website. They claim fairly standard 3-5 business days for a return to process on their website and any published articles and materials, yet through their online automated prompts and service representatives claims a much longer 3-45 days. This is wholly and entirely deceptive.
Product: Student loan

In XX/XX/2016 I tried to have the loan forgiven due to hardship of payment. I was on XXXX, XXXX and because of age it was so hard to find any full-time work. In fact the only work that I have been able to find is part-time and it does not even fulfill my degree. I went through my doctor and fill the paper work and was denied. So then I went through my work and that fact that my company is a non-for profit company there was a program that would allow me for forgive the loan but because I only work 25 hours a week the limit for me is 30 hours. Since the are sending me voice mails, written mailings my credit record my home equity was closed. At the same time with the loan, the XXXX stopped now my home is in jeopardy and now is in foreclosure and I have just over two years left on my mortgage. All I am trying to do is save my home. Because of age, XXXX years of age I am able to file for retirement. I am must getting back on my feet but it will be some time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are in complete violation of my consumer rights. 15 USC 1681B A2 states that no one can furnish information on a consumer 's credit report without their written instructions.18 USC 1028A states this is consider a form of identity theft if i didnt give permission. 15 USC 1681 Section A states i have the right to privacy. All accounts reporting on my credit report are inaccurate and not mines. They are misleading, unfair, and I want all the negative close accounts deleted immediately. I have a recent credit report identity theft report, and letters i sent to each organization. Again i command that XXXX, XXXX, and TransUnion cease and desist any negative reporting without my permission and consent. Any future reporting of these negative inaccurate closed account will result in legal actions taken to protect the consumer XXXX XXXX XXXX [ XXXX ] UCC 1-308 without prejudice.
Product: Debt collection

Violation of Federal Consumer Protection Laws and Request for Debt Validation I am filing this complaint against LVNV Funding LLC for violations of federal consumer protection laws under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). Below, I outline my concerns and requests for corrective action.

Complaint Summary LVNV Funding LLC has contacted me through various channels, including emails, text messages, and phone calls, attempting to collect an alleged debt. I dispute owing any and all debts to LVNV Funding LLC and request proper validation of the debt. The company has failed to comply with federal laws and regulations in their communications and reporting practices.

Violations and Issues Violation of 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has failed to provide clear and conspicuous disclosure of the debt 's details, including the name of the original creditor and sufficient information to understand the nature of the alleged obligation.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The company has not provided an itemized statement breaking down the alleged debt, including the principal, interest, fees, and other charges, making it impossible for me to assess its validity.

Violation of 12 CFR 1006.34 ( d ) : Communications from LVNV Funding LLC have lacked proper validation information, which is required to be provided in initial or subsequent contacts under federal regulations.

Violation of 15 USC 1681-S2 ( 7 ) ( A ) : LVNV Funding LLC has furnished inaccurate or incomplete information regarding the alleged debt to credit reporting agencies without properly investigating disputes or ensuring accuracy.

LVNV Funding was removed from my credit report between XXXX and recently added back on my credit report XXXX