23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was on a forbearance from last 18 months, and Mr. Cooper is now forcing me to start making payments when I am not in a position to make payments. 

I asked Mr. Cooper to do a Modification under cares Act, instead of reducing my payments, they increased it by {$550.00}, they have completely lost it. 

This is not justified and doesn't make any sense. 

Not only they increased my payments, they also increased my principal by XXXX This doesn't make any sense to me. It seems they are just being greedy and nothing else. They haven't worked on their interest rate, they are still charging me 5 % interest when market rate has gone down to 2 %. 

I am attaching the loan modification letter over here. 

Other thing is my Point of Contact " XXXX XXXX '' is also not available, I called on her phone number provided, someone else picked up the phone, the person who picked up the phone said that she can not receive inbound calls, and she can only make calls whenever she feels like. I faxed her on Fax number ( XXXX ) XXXX but there is no response. It seems they all have lost their senses and they just need money, that is it.
Product: Credit card or prepaid card

I am a victim of identity theft, capital one allow someone to open a fraudulent credit card account with my information I been trying to resolve this matter I also reported to the police and also email capital one the police report I called everyday & ask them to do a full investigation an remove the fraudulent credit card loan off my credit report, No Response from the credit company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this claim requesting help. I previously enrolled at XXXX University, while being enrolled my mother had a XXXX. I had to leave the state and go home to take care of my mother. I followed every procedure that I was in constructed to follow to not take the next semester of classes. I even asked XXXX could I get out of my current class due to my mother being in XXXX. My mother doctor as well as her nurse spoke to XXXX and inform them of my mother status. 
XXXX inform me they dropped the classes but later I learned the classes were not dropped. I spoke to Financial Aid in which they advised me I could turn the check over and this would cancel all charges. I asked the representative was this legal being I did not attend the next semester of classes? Because I said no XXXX put a charge of {$1800.00} onto my credit report. I do not agree with the charges being I followed all directions which were listed on their portal as well as my advisor. 
I contacted the Collection Agency whos handling the account ( Ability Recovery ). Ive made an agreement with Ability to pay a settlement amount of {$1100.00}. I honor what I made arrangement to pay and submitted payment to Ability Recovery. I purchase a Money Order threw USPS and mailed it as well. I checked with the Post Office being Ability stated it wasnt received. Per the Post Office not only it was received but cashed. 
On XX/XX/2019, I was notified by my credit monitoring service that Ability Recovery increased the amount and not deleted it. I tried contacting Ability in reference to this but keep getting the runaround. I was informed this would be deleted from my credit report, in which they sent me a letter stating. However, XXXX, XXXX, and XXXX Credit Bureau informed me until Ability Recovery sent something to them the charges will not be removed. Please assist!
Product: Debt collection

This company is reporting a debt that was removed from my credit due to a violation of the FDCPA/FCRA. This needs to be removed before I take legal action.
Product: Credit reporting or other personal consumer reports

I am writing to RECEIVABLE MANAGEMENT to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that RECEIVABLE MANAGEMENT being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors. 
3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my
Product: Credit reporting, credit repair services, or other personal consumer reports

Files are attached with dates account numbers etc.
Product: Credit card or prepaid card

Problem : payment was not accepted, payment was returned several times. Each time a returned payment fee and interest was charged to my account. 
They cancelled any future payments from my bank, this is the only bank account I have. My bank could not understand their reasoning or problem. I submitted my bank routing number, check number, etc. 
I attempted to pay via phone. The payments were made ( XXXX times ) by phone with a Chase specialist assisted provided by Chase. Each time the payments were rejected and fees and interest was added to my account. 

The companies involved : Chase Card Member Services XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX
Product: Checking or savings account

I am officially filing a complaint against Ally Bank for their failure to assist me in an investigation related to ACH fraud of {$32000.00}. 

On XX/XX/year>, I made a payment of {$32000.00} via ACH to a business called XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company commited fraud and disappeared. After speaking with Ally Bank, they provided me with information showing that the funds were received by a company called XXXX XXXX XXXX ( Company ID : XXXX XXXX XXXX ), which is a completely different company than the one I thought was receiving the funds. 

This seems to be fraudulent misrepresentation and I requested Ally Bank 's assistance to open up a fraud investigation. They refused to do so citing that it is beyond 60 days. Instead, I asked them to use the XXXX network to provide me with the name of the receiving bank for my {$32000.00}. Even though they have given me the ACH trace number, the receiving company 's name, and the company 's ID, they have refused to provide me with the name of the receiving bank. 

This refusal is hindering my ability to potentially recover my funds and properly report this case of fraud.

I am officially requesting that Ally Bank provide me the name of the receiving bank so I can properly report and escalate this case. Their refusal to do this up to this point it egregious and they should be obligated to assist me on this one request for my fraud investigation. 

I would like for the CFPB to look into this matter and demand that Ally Bank give me the details of the receiving bank of my {$32000.00}.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

The following accounts have violated my rights. 

Account name : XXXX XXXX XXXX 
Account numberXXXX Open balance : {$450.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX : {$750.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Utah XXXX Phone XXXX XXXX Account XXXX : XXXX XXXX Account XXXX Open balance : {$330.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Phone : 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 : It also states a consumer reporting agency can not furnish an 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 items of information, other than the records of convictions of crimes which antedates the report by more than XXXX 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 an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of the attached credit report. ) I have made multiple consecutive payments on these accounts and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit report.
Product: Payday loan, title loan, or personal loan

There is a loan for {$9200.00} from Flagstarbk/XXXX taken out XXXX XXXX on my credit report. I did not take this loan out. I have ask 2 times that is be investigated an both times it has not been resolved. This is not my loan, nor do I know anything about it
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( RESURGENT/LVNV FUNDING ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( RESURGENT/LVNV FUNDING ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( RESURGENT/LVNV FUNDING ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( RESURGENT/LVNV FUNDING ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

In XX/XX/2021 I was going through financial troubles and was paying my electric bill and the first time it came in I didnt have enough funds, I know it takes a few days to hit the account so I was trying to buy time so my electric didnt get shut off. It was returned so I tried paying it again with check by phone and I knew I was cutting it close with my direct deposit getting ready to be deposited on the 1st of the month ( every month for 5 yrs at that point ). Well when I check my account it showed the electric bill hit my account and my deposit was like going to hit my account within the next few days. I called and spoke with a customer service representative and explained the situation that my electric was getting ready to be shut off if they kicked this one back. I told him I had been stressing for a few days waiting for it to come in before my direct deposit. He said I should have called then and explain what was going on and he also said the bank was there to help and not hurt me. He then told me it was showing the bank was going to pay it. Well they didnt even though my direct deposit was going into my account within a couple of days as it has been for years. So since they sent it back again my electric company will no longer except checks by phone and put me on cash only payments. Granted I should have had the funds there but he told me it was going to be paid and now Ive been on cash only for a year now with the electric company since that. I was so relieved when he told dont worry they were there to help and not hurt me. I was hysterical crying. Because he told me it was going to be paid I didnt worry about it and I didnt need to make different arrangements I which I would have had I known
Product: Debt collection

As a consumer and natural person, Ability Recovery Service has violated my rights. Ability Recovery Service has failed to provide me, the appropriate documents requested to validate the alleged debt of {$2900.00}.

Ability Recovery Service has invaded my rights to privacy by having my personal information.

Ability Recovery Service did not have my written consent or permission to contact me or have my information. 
I, XXXX XXXX, the consumer and natural person has been violated of my rights, according to 15 usc 1692.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts 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: Checking or savings account

I have a recurring debit of {$12.00} that is being withdrawn from my  XXXX    XXXX   XXXX   XXXX   checking account. The debit card servicer is  XXXX .     I am having to submit a claim every time this recurrence hits by checking account ( it has been 5 times already  ). F urther, the bank is having to inactivate the debit card and reissue me another one. This takes up to 2 days.     The bank is saying that I will have to CLOSE MY BANK account and REOPEN another one?? I have travel for work and I will have to resubmit to my employer, a new direct deposit submission ( which will take A MONTH ) for my new direct deposit to be in effect. Further, my employer will have to send PAPER checks to my Corporate office and I will have to physically pick it up. I ca n't do this traveling for work!     I 've had this account sinc e 2006 and n o one at the bank can do anything to stop it. They tell me it 's the  XXXX  company. So I called  XXXX , put in my debit card number AND IT AUTOMATICALLY REDIRECTS ME BACK TO THE BANK!     I CA N'T TAKE THESE INCONVENIENCES ANY MORE!! I 'VE PUT IN CLAIMS 5 TIMES ALREADY, BEEN ASSIGNED  XXXX  NEW DEBIT CARDS IN 4 MONTHS AND NO ONE CAN STOP THIS RECURRING ( UNAUTHORIZED ) CHARGE!! ALL OF THIS FOR A {$12.00} CHARGE THAT I DID N'T AUTHORIZE?? PLEASE HELP!
Product: Vehicle loan or lease

I was in shock when I came out of XXXX in XXXX they was getting ready to repo my car I never heard of this company Westlake I had been trying to pay my car note to US Auto I didn't have no access to them for almost a year I just been through XXXX with this car dealership since day one I tried to trade my car in about 2 weeks ago because it keep on breaking down on me But the dealership said they don't take card from US Auto and Westlake because they don't turn over the title I have had 3 transmission repairs since I had this car in less than a year I hate Greedy companies
Product: Consumer Loan

I took out an auto title loan for {$1000.00} with Advantage One Credit, LLC in XX/XX/XXXX. Since that time I have made monthly payments in excess of {$2000.00}. I attempted to make a payment in XX/XX/XXXX but I was unable to as the company website was defunct and I was unable to contact Advantage One by phone. Last week I received an account notice from Advantage One stating they were changing the way my loan is serviced and to mail all future payments to an address in XXXX, TX. This was just an account notice and not a billing statement.. All previous payments were either paid by phone or online. The company website is back up and there is an option to email customer service which I did twice and got no response. I phoned the company on XX/XX/XXXX and asked if I could make a payment by phone but I was told they were equipped to do this. I also asked about a billing statement and the response I got was I should receive one in the mail soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking over my credit reports XXXX, XXXX and Experian, I see a collection account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and a reference number of XXXX, and showing with an alleged amount owed of {$680.00} USD. 
XXXX Acct # XXXX Report file # XXXX Experian Acct # XXXX Report file # XXXX XXXX Acct # XXXX Report file # XXXX According to the FCRA this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that this debt collection account be deleted immediately or I will exercise my right to sue for {$1000.00} for each violation. 

I have attached the copies of my credit reports to support my claims.
Product: Credit reporting or other personal consumer reports

Account Number : [ XXXX ] The late payment in question is reported by [ EQUIFAX ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section XXXX XXXX XXXX XXXX XXXX XXXX XXXX which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX XXXX furnishers of information must report accurate details. The late payment reported does not reflect my true payment Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint about cashapp due to inadequate and poor customer service and unfair practices which violates the consumer financial protection and responsibility!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I have attempted numerous times to contact the 3 credit bureaus about incorrect, inaccurate and compromised information reporting on my credit profile. On XX/XX/2023 I spoke with an Experian Representative that was extremely rude and unprofessional. Her name given was XXXX and she stated she was located in XXXX XXXX. I asked how is this possible when I'm located in the XXXX. XXXX did not process my request. I was suppose to be contacted back within 24 hours by a representative in the US and no one called me back. Inquiries show on my report that were not authorized by me. 2 collections appear on the credit report that are not mine. I'm sick and tired of these companies ignoring my request to delete this information as they have no lawful authority to report it first of all and have failed to provide evidence to support otherwise. I have filed an FTC report which is attached. 

XXXX is denying me my right to dispute the inaccurate information on my report. I have included the message that I receive when trying to contact them direct. It appears as the credit bureaus are conspiring to hinder consumers from improving their credit standing by denying access to file disputes.
Product: Student loan

Mohela is now the servicer of my student loans that originated in XXXX. I was previously with XXXX but they don't service loans anymore.I was switched to Mohela. I am eligible and qualify for XXXX. I have been a nurse at my company for over XXXX  years. They have not updated any of my previous payments. When I log on to my account it still says my employer hasn't been verified when I have sent in paperwork 5 times. I qualify for XXXX and they are not counting any previous payments I have made on student loans for XXXX  years. I have consolidated as I was advised to do and now they are billing me for a loan balance that is not reflecting any previous payments. 

I have attempted to call Mohela for the past XXXX weeks. I can't get anyone to pick up, I am on hold for hours while I am trying to work as a nurse. I need assistance in dealing with Mohela. 

Thank you, XXXX XXXX
Product: Credit reporting

Twice now I have disputed through Experian with supporting documentation and the receipt showing the judgement was paid and they still are reporting it as open and unpaid not satisfied.