23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to Spring Oaks Capital requesting validation of debt that company states that I owe as well as to cease all phone communications and instead provide me with written documentation only. I have never had a contract with this company nor the company that they state that they represent. The company in returned sent me a 1 page document via email which does not validate the debt as requested. Since XX/XX/XXXX Spring Oaks Capital has contacted me a total of 16 times by phone with the last 3 calls coming in today XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
This company is clearly ignoring my cease and desist letter which is a clear violation of my rights.
Product: Mortgage

We are requesting assistance obtaining a postponement of the XX/XX/XXXX foreclosure sale date to allow review of the short sale offer. The offer was faxed to the lender on XX/XX/XXXX, but then a denial letter stating the short sale was declined as there was not an offer on the property was sent out on XX/XX/XXXX. XXXX XXXX stated she was not aware of the offer sent XXXX when speaking with me earlier this week and that if one had been received my sale would have been put on hold. When my real estate professionals emailed a copy of the faxed documents and fax confirmation to the liquidation escalation team to verify it had been sent and received by PHH, XXXX back tracked over her mistake of not acknowledging the XXXX faxed offer and sending a letter out with an inapplicable denial reason on XX/XX/XXXX by telling the escalation team there just wasn't enough time to review. This is not the truth of what she told me though before I had the professionals I hired verify their work, and I feel very mislead by XXXX and the inconsistent information she's given.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in theCFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  account XXXX XXXX XXXX Bank account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX
Product: Consumer Loan

I have asked for assistance in reducing my payment due to a reduction in income ; however, Ally is not interested in helping. I was told I could make a principal reduction equal to at least 4 monthly payments, but this would not even reduce my payment by {$100.00} per month. Also, I have a reduction in income. If I could afford to make 4 payments at once, I would n't be asking for help. I was told I do n't qualify for a re-write because I have more than 36 payments remaining. I have made on time payments for the past two years and my credit score has increased since the loan was made. I see no reason why this lender ca n't assist in reducing my rate from 10.95 % to something more reasonable and affordable, rather than causing me to have to surrender the vehicle and ruin my credit.
Product: Credit reporting

I had a credit card account with a credit union which later was charged off and turned over to their representing law firm. I had an agreement with the credit union 's representing law firm to pay them off, which I did in XXXX. The law firm supplied me with my paid in full and satisfied letter in XXXX XXXX. I promptly sent the letter to the XXXX credit bureaus to update the status of the account. Experian contacted the credit union and was told not to update my credit information and stated that it REMAIN. I am asking the credit union to honor their representing law firm 's paid in full letter as close out of that account. Experian refuses to accept the firm 's letter as proof of payment because of the credit union 's remark. What can I do to correct this denial of my updated information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get the credit agencies to remove this account. The credit agencies are now in violation because the statue of limitations has expired on the account listed below. 
ACCOUNT NUMBER XXXX XXXX  - XXXX Date Opened XX/XX/2013 This negative remark should have already been removed from my credit.
Product: Credit reporting or other personal consumer reports

My information has been used fraudulently without my knowledge nor consent. This has resulted in a un-authorized bankruptcy being reported on my credit reports, along with an account, several addresses that I'm not connected to, and some un-authorized inquiries. I am requesting that these items are deleted immediately.
Product: Payday loan, title loan, personal loan, or advance loan

As I have written in previous complaints, this box specifically says DO NOT SHARE SOCIAL SECURITY NUMBERS in it. I have provided all of my contact information TWICE. This company does not reply to my letters or calls. They do not respond appropriately to my previous complaints. As outlined before, this is fraud. I did not try to take out a loan. I need it removed from my credit report immediately and the information for who tried to take a loan in my name. All additional information can be reviewed in my previous complaints Ive filed that the company closed instead of requesting additional information. 

I do not have a spot to put my SS # so I have placed it in the loan number spot. Please do not close this complaint, you do not respond to anything else and I need this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please DELETE THESE UnAuthorized Inquiries
Product: Mortgage

I had a loan with LoanDepot for my townhome. It was sold to XXXX XXXX. I never received notification that the loan was sold. I placed a payment with Loan Depot on XXXX and assumed that the payment had gone through. When it did not clear my bank, I checked again. Now it won't let me pay because it says that my loan was sold. I do not have any information from XXXX XXXX such as a loan number, nor a mailing address. It took 3 tries to get a correct phone number and I have been on hold now for 27 minutes. I am afraid of missing the XXXX payment. I'm never late with my payments. This is very worrisome.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Jefferson Capital for reporting an inaccurate balance on my credit report. The balance was already satisfied with the original creditor, yet Jefferson Capital is reporting a higher amount. Furthermore, I was never notified that this debt was sold to Jefferson Capital, and I have received no correspondence from them, making this claim hearsay and their practices unethical.

Under the FCRA, Jefferson Capital is required to report accurate information and conduct a reasonable investigation into disputes. Their failure to do so mirrors the case XXXX XXXX XXXX, XXXX, where the court ruled against the collection agency for similar violations.
Product: Credit reporting or other personal consumer reports

THIRD PARTY- XXXX XXXX TRANSUNION XXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX XXXX XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was in forbearance and XXXX still reported it as open and paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. Someone stole my identity and applied and opened a personal loan account with One Main Financial on XXXX.The personal loan account is fraudulent, unauthorized and not mine. I have mailed and sent numerous letters of disputes to One Main Financial for the last 7 months in regards to the fraudulent account, and I havent not heard back or received any correspondence from One Main Financial for 7 months. I been receiving harassing and threatening phone calls of profane language, verbal abuse, threats of legal action, wage garnishment, arrest, jail and prison for over 7 months at home and work at XXXX XXXX and after XXXX XXXX from One Main Financial debt collection call center representatives, for an account thats fraudulent, not mine, and a debt, i dont owe. One Main Financial is in violation of The Fair Debt Collection Practices Act ( FDCPA ). My social security number listed on the fraudulent account is : XXXX, Date of Birth is : XX/XX/XXXX
Product: Student loan

I am a graduate of the University of XXXX XXXX. During my time at the University ( XX/XX/XXXX-XX/XX/XXXX ), I obtained XXXX ( XXXX ) private student loans from Sallie Mae to cover costs of tuition. Those loans have since gone into repayment with a monthly payment well over {$800.00}. I do not have the financial ability to repay those loans at that rate, nor is my cosigner able or willing to repay the loans. At the time I requested the loans, I was never made to understand the total amount I would need to eventually pay for all loans. I also never received any information about any options to reduce payments on my loans. I have been forced to request my loans be put into forbearance XXXX, and now I have only XXXX forbearance requests remaining. I mailed a letter to Sallie Mae detailing my financial situation, and asking for ways in which we could resolve the problem with lower payments. I submitted the letter on Wednesday, XX/XX/XXXX and have never received a response. I am willing, but however, unable to make payments on my loans. Due to Sallie Mae 's inconsistent and lack of communication with me regarding my account, I am at risk of going into default on my loans. The times I was able to reach someone at the customer service department via telephone, I received conflicting information from each person I spoke with and was left even more confused about the status of my account. Defaulting on my loans will not only be a negative outcome for myself but for the lender as well. I am currently employed in my field and working to progress in my career, but I simply do not make enough money to repay the loans and manage necessary living expenses.
Product: Credit reporting or other personal consumer reports

I disagree the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. in accordance with the Fair Credit Reporting Act Public Law 91-506 title VI section 611 subsection A-D, please provide the name and business addresses of each individual with whom you verified the the information above, so that I can personally follow up. Please send me an updated Credit report after your re-investigation. 


Company Name : XXXX Account # XXXX
Product: Checking or savings account

I closed my account in XXXX. I went into the bank. Closed the account and zeroed it out. The bank is saying that I didnt close the account that was zeroed so they charged me service fees for the next 3 months on my XXXX balance. I was in no way over draft. My balance was XXXX. But they continued to charge me for 3 months of bank fees. This happened in XXXX. 3 days after I closed the account they started charging me fees. They charged me fees for 3 months. The total they say I owe is {$86.00}. I received a notification that the account was overdrawn. I called chases XXXX number and they said they couldnt help me I had to go in to the branch. I went in to the branch. Waited over an hour. And they said the best they could do was split balance of {$86.00} and charge me {$43.00}. I said that was absurd. I spoke to the bank officer who agreed with me but it was not within her or her bosses power to fix the clear mistake. They had to call chases collection department. The bank employees and I both spoke to the most senior person we could in the collections department. The woman said the best she could do was allow me to pay {$43.00} instead of seeing the absurdity of the situation and simply removing the charge. I said I would not pay it. It makes no sense whatsoever.
Product: Credit card or prepaid card

I noticed on my credit report that a card was opened fraudulently in my name. The card on my report is titled " comenitycapital/XXXX   '' and has already racked up a balance of {$4000.00} against the {$4000.00} limit. I have nothing to do with this card and did not open this or authorize it myself.
Product: Vehicle loan or lease

I got married in XX/XX/XXXX to XXXX XXXX in XXXX Ny and in XXXX of XXXX My credit score was okay and better than hers so I thought I would be a good husband and sign my name on the contract for the auto loan through credit acceptance but as circumstances would have it we soon separated then as of XX/XX/XXXX officially divorced. I never driven the XXXX XXXX XXXX  and to my understanding through my last communication with XXXX via text message I believe it is about two years ago now she once again had another vehicle repoed and I'm quite sure it has been resold and to this day I'm the one that still receives statements from credit acceptance expectant payments and they even have given me the option to pay off the loan at a significant reduction but since it was never my vehicle except for my stupid signature how long can they keep my credit score hostage for something that was never mine and vehicle more then likely got resold can I get their negative credit reporting at the end of the month off my back.
Product: Mortgage

I sent and served a RESPA Qualified Written Request ( " QWR '' ) /Debt Dispute Letter and a Cease & Desist Notice dated XXXX/XXXX/2015 to Nationstar Mortgage , LLC ( " Nationstar '' ), as purported loan servicer, and XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ), as Trustee for XXXX XXXX XXXX XXXX , Mortgage Pass-Through Certificates, XXXX XXXX ( hereinafter, the XXXX XXXX ) - a special purpose vehicle ( " SVP '' ) organized as a qualified special purpose entity ( " QSPE '' ) and formed as mortgage-backed securities trust ( " MBS trust '' ). This MBS trust, which was created under an operative securitization agreement called the Pooling and Servicing Agreement ( " PSA '' dated XXXX/XXXX/2015 ) in accordance with and governed by the trust laws of the State of XXXX, has an election and continuing qualification as a real estate mortgage investment conduit ( XXXX ) pursuant to the U.S. Internal Revenue Code ( IRS ) section 860. 

I copied the Consumer Financial Protection Bureau ( CFPB ) with said QWR/Debt Dispute letter, which was duly received by Nationstar on XXXX/XXXX/2015 ( referenced USPS Form XXXX No. XXXX XXXX XXXX XXXX XXXX ) and XXXX on XXXX/XXXX/2015 ( referenced USPS Form XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ). See attached QWR/Debt Dispute letter and Cease & Desist Notice dated XXXX/XXXX/2015, which provides in details and facts, with full specificity, why I dispute the debt and demand that Nationstar and XXXX to cease and desist its judicial foreclosure action against my subject home mortgage loan ( filed with the Superior Court of the State of XXXX, XXXX County under Case No. XXXX ). 

XXXX sent its response dated XXXX/XXXX/2015 ( also attached herewith ) which essentially just brushed aside my complaint and " passed the buck '' to Nationstar without addressing my demand for the validation of the loan that XXXX, as Trustee for the XXXX XXXX, claims it owns. XXXX just stated in its response that, " XXXX disagrees with your legal assertions and will not be producing the requested documents. " To date ( XXXX/XXXX/2015 ), in violation of the Real Estate Settlement Procedures Act ( RESPA ), codified as Section 2605 ( e ) of Title 12 of the United States Code, specifically under Section 1024.36 ( c ) of Regulation X of the Mortgage Servicing Act as amended by the CFPB pursuant to the Dodd-Frank Act, Nationstar failed to provide me within 5 business days with a response acknowledging receipt of my QWR/Debt Dispute letter. Also, pursuant to 1024.36 ( d ) ( ii ) ( 2 ) ( A ), Nationstar failed to provide me within 10 business days after receipt of said request and demand for information the identity of, and address or other relevant contact information for the true owner of my home mortgage loan. Finally, pursuant to 1024.36 ( d ) ( ii ) ( 2 ) ( B ), Nationstar did not also respond and provide all of the other information requested and on or before 30 business days. There was no letter whatsoever from Nationstar requesting for any extension of said deadlines. Nationstar just completely ignored my QWR/Debt Dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR XXXX  XXXX XXXX ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

Their phone number is XXXX Constantly calling! 
They never leave texts or voicemails. I've called that number and it's always busy or it disconnects. 
I HAVE called other numbers too that are harassing me with calls. Gotten a hold representatives. They promise not to call again but within 2 or 3 days, they start calling again! 
I know it's about credit card debts.
Product: Mortgage

In XX/XX/2016 a formal notice of dispute was sent certified mail to Equiant Financial demanding the validation and verification of an allege loan debt, Equiant Financial failed to respond. In XX/XX/2016 a second notice was sent demanding validation and verification of an alleged debt, Equiant Financial failed to respond. in XX/XX/2016 a third notice was sent and Equiant Financial failed to respond. 

Equiant Financial is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Equiant Financial is violating XXXX Laws which require a debt collector to cease and desist collection activities prior to validation of alleged debt. Equiant Financial continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under XXXX and XXXX laws. Equiant Financial is sending mail with false and fictitious names, a criminal conduct falling under XXXX XXXX XXXX. XXXX - Fictitious Names. 

I also reviewed my credit report and noticed Equiant Financial continues to publish negative remarks to Experian and Transunion credit agencies. Equiant Financial also failed to report this debt to the credit bureau as being disputed. This is defamation of character and a violation of Fair Credit Report Act which falls under willfully non compliance.
Product: Checking or savings account

I opened an account with etrade online. I deposited a {$2000.00} check in XX/XX/2020 and then etrade closed the account. They kept my {$2000.00} and still have not given my money. Its been 6 months
Product: Mortgage

I went into COVID forbearance on my account due to financial hardship, which ended XX/XX/XXXX. On XX/XX/XXXX, I applied for Vermont 's Homeowner Assistance Program ( VHAP ) which is Vermont 's XXXX funded Homeowner Assistance Fund ( HAF ) program. I was approved as eligible, however, it took months for Mr. Cooper to onboard into the program. Once Mr. Cooper was onboarded, VHAP sent Mr. Cooper an I-Record via XXXX on XX/XX/XXXX requesting that Mr. Cooper verify the account information by sending a V-Record. It is now nearly a month later, and Mr. Cooper has failed to submit the V-Record which is the last step in the process to approve me for VHAP assistance of {$30000.00}. Because I have been waiting so long for Mr. Cooper to be onboarded and for them to cooperate with the process by sending the V-Record , my delinquency is now above the {$30000.00} program cap. I am able to pay the difference via certified funds, but I can not reinstate unless and until Mr. Cooper submits the V-Record for my account to VHAP so that they can disburse the {$30000.00} in XXXX funds.
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. 
XXXX XXXX XXXX Account number XXXX Here is the item I am asking you to verify as accurate.
Product: Credit reporting or other personal consumer reports

Their hard inquires on my Equifax consumer report. I gave no permissible purpose to any person to pull my report. The following were XXXX XXXXXXXX on XX/XX/2023. XXXX  XXXX on XX/XX/XXXX. Also XXXX XXXX XXXX
Product: Debt collection

I received a collection notice on XX/XX/2021 from McCarthy Burgess & Wolff ( Reference # XXXX / Account # XXXX ) and called them on the same day to confirm that the XXXX account associated with this notice is fraudulent and my identity has been stolen. I filed a police report with the XXXX XXXX Police Department, filed a fraud report with XXXX XXXX and also with the Federal Trade Commissions Report that this Identity Fraud occured I have called and spoken to XXXX XXXX numerous times ( spending hours on the phone ) to provide this information, and have been transferred around various departments, all of which said nothing can be done about this identity fraud, as the account is now closed. They also accused me that it was me who open this account, and when I asked for proof of how my identity was confirmed ( driver 's license ID, passport, or video evidence or audio evidence they were unable to provide this. The number and email address were not mine either! ). I have provided all the above information to the collection agency, who have said no further action will be taken, however, I have asked, as per the FTC guidelines that XXXX provide me with a letter confirming the account is closed, it's not my liability or was my account, and it will be removed from my credit report, which is currently hurting my business and personal life in securing any further credit.
Product: Vehicle loan or lease

All Santander auto finance was incorrectly reported. It is affecting my credit report
Product: Credit reporting or other personal consumer reports

In reviewing my credit report i noticed that there was a tradeline for XXXX XXXX  in XXXX. i didn't open this loan. i sent over copy of police report a couple of months back.