23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan was sold to Carrington Mortgage. They are suppose to be applying the loan modification to my account to bring it current. They have refused to do this. They have had my loan for almost 6 months now. They also put me in a Covid-19 program. I never asked to be placed in this program, I never signed up for it!! They have threatened to foreclose on my home. I started making payments in XX/XX/2021 based on the loan modification set up with XXXX XXXX XXXX, I have been paying. Carrington Mortgage sent a letter today saying the Covid-19 program I signed up for has ended, they have been reaching out to me about making payments on my mortgage???!!!!! They have not reached out to me I have bene reaching otu them since day 1 and not one has helped me with getting the loan modification applied to my mortgage to bring the account up to date. I have spoken MULTIPLE times to XXXX XXXX with Carrington Mortgage. She initially told me they dont have the loan modification, I faxed what I had more than 50 times to them. She now says oh we have it, wejust needs to be processed.?? I feel like they are trying to take my home by not processing the loan modification. I got the letter about the covid-19 program today. That disproves anything she has told me. I need HELP. I am doing the right thing I am making payments like I should Carrington Mortgage and XXXX XXXX have horribly mishandled my Mortgage. They should not be able to get away with this. I feel mostly that everything they tell me is a lie. They are trying to take my home. I am stressed, worried daily. I have XXXX and XXXX with all of this. I am trying to do this on my own with not results. HELP ME!!!!!!
Product: Debt collection

On or about XXXX XXXX XXXX, I received approximately 10 collection letters from Zwicker & Associates , a debt collector regarding an alleged debt. I responded on XX/XX/year> by sending a debt validation request, exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). Instead of providing debt validation, Zwicker and Associates filed two lawsuits against me on XX/XX/year> and XX/XX/year>. These two lawsuits pertained to 3 of those debt collection letters. After I sent the request for debt validation, Zwicker did not respond. I sent a NOTICE OF NONRESPONSE on XX/XX/year> and informed that they have failed to verify the debt within the 30 days that I allowed them in my dispute. They in turn have sued me in the XXXX XXXX Small Claims court for a breach of contract. At no time did they validate this debt or as per the terms and conditions that they attached in their complaint allowed for this to be handled in arbitration. I am requesting that they pay the {$1000.00} per debt collection letter filed against me in court prematurely. This will total {$3000.00}. ( They were previously advised that I had a change of address but continued to send correspondences to an old address. I informed that anything further would be returned to sender as they had my new address. ) 1. Failure to Validate Debt ( 15 U.S.C. 1692g ( b ) ) 2. Unfair and Deceptive Practices ( 15 U.S.C. 1692e ) 3. Harassment and Abuse ( 15 U.S.C. 1692d ) Codes Violated : - 15 U.S.C. 1692g ( b ) : Requires debt collectors to provide debt validation within 5 days of receiving a validation request. - 15 U.S.C. 1692e : Prohibits unfair and deceptive practices, including filing lawsuits without proper validation. - 15 U.S.C. 1692d : Prohibits harassment and abuse, including filing lawsuits intended to coerce payment.
Product: Credit reporting or other personal consumer reports

Recently I Looked at a copy of my credit report and noticed several inaccuarcies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a 30 and 60 days late. This information is inaccurate, as XXXX and Experian are reporting late in months XXXX 2023 and XXXX 2023 and XXXX is reporting XXXX and XXXX 2023. I have provide the bureaus with a letter of proof from XXXX, advising the tradeline is incorrect but the bureaus refuse to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

After making a {$1500.00} payment to my credit card on XX/XX/2021 lowering my balance to {$1000.00} on that card Equifax reported my balance to be {$2600.00} even after claiming that the new update was received on XX/XX/2021, I filed a dispute on XX/XX/2021 and the inaccuracy was corrected on XX/XX/2021, but the inaccuracy and acknowledgement was only corrected on the notification that they sent me and not on my credit report I called Equifax on XX/XX/2021 and explained my concerns and gave the reference # for this dispute ( they have several other reporting inaccuracies that I have disputed based on when payments were made and when they did updates after payments were made there was ample time for that update to be reflected on my report ) How is it that XXXX XXXX is able to have the correct information and this Major credit reporting agency ( and the other two ) has so many inaccuracies? These companies hold the livelihood of millions in their grip either this is willful and intentional or incompetency, Either way there need to be serious investigation into their practices, I would encourage anyone going though something similar to just document EVERYTHING
Product: Debt collection

I received a CP2000 from the IRS indicating I had received a 1099C cancellation of debt from Citibank in the amount of {$20000.00}. Ive called Citibank, they have no record of my SS # or the account listed by the IRS. 

I called Citibank on XX/XX/202XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a paypal account, it was permanently limited in XXXX, then the balance was available for withdrawal in XXXX after 180 days. 
Its XXXX, I'm trying to add a bank and debit card in my paypal in order to withdraw the funds, because I linked bank has been closed and linked card is a prepaid gift card. 

So, must I need to add bank, I called paypal multiple times last 3 months but no agent helped me. They said I have to wait 48-72 then refreshing my account but that was useless. Eventually, they said the XXXX system doesnt allowing me to add a bank or card. It says " Sorry! We can't link your bank account right now! '' I dont want to get a check, if I wanted I should've already get it on my own. 

I think its XXXX of paypal monopolist business policy, they dont override my issue, they dont help. All they want is only hold my about XXXX $ balance. 

My paypal email is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a car accident in XX/XX/XXXX, which resulted in my vehicle being a total loss. After two months of negotiating with the insurance company, a settlement was offered and a check for {$7500.00} was sent to the financing company XXXX on XX/XX/XXXX. Once the payment was applied there was a final balance of {$1300.00} that I was responsible for paying. I received a letter from XXXX on XX/XX/XXXX, indicating that my next scheduled due date would be XX/XX/XXXX. 

Unfortunately, XXXX chose to close my account on XX/XX/XXXX, due to a lack of payment for 90 days and reported my account as a charge-off to all three credit bureaus. I have never received a phone call, email, or letter from XXXX to advise me that my account was delinquent. I became aware of the charge-off due to an alert from XXXX indicating that my credit score decreased. After viewing my credit report, I immediately contacted XXXX to have the error corrected, but I was told that the information was correct and my account would continue to report as a charge-off until the debt was paid. I advised the customer service agent that I received a letter from XXXX indicating that my next payment is not due until XX/XX/XXXX, but nothing was done to correct the erroneous information reported to all three Credit Reporting Agencies. 

According to the Fair Credit Reporting Act, I decided to contact each Credit reporting bureau to file a dispute to investigate the false information. I provided Transunion with a copy of the letter from XXXX to support my complaint to have my credit report updated to show " paid as agreed '', and after waiting 30 days for a response from XXXX, I was advised that the information was correct and no changes could be made to change the information reported by XXXX. I called TransUnion to speak with an agent to make sure that the letter from XXXX was considered in their decision and I was advised that it was considered, but Transunion does not have the authority to delete information that is reported by a Creditor, and the customer service agent offered to resubmit my dispute. 

My initial dispute was submitted in XX/XX/XXXX, a second dispute was submitted in XX/XX/XXXX, a third dispute was submitted in XX/XX/XXXX, a fourth dispute was submitted in XX/XX/XXXX, and each dispute has been sent back to me indicating that the account has been reported correctly as a charge-off. My recourse before filing a lawsuit against this company is to reach out to the Consumer Financial Protection Bureau for some resolution.
Product: Checking or savings account

I am writing to file in a complaint against Navy Federal credit Union Regarding multiple overdraft fees I have incurred. Despite having sufficient funds When transactions were authorize, I was charged fees through lagged postings 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 or other personal consumer reports

1. I was removed as an authorized user on the XXXX XXXX credit card ( I confirmed with XXXX XXXX over the phone ) under my ex husbands account ( XXXX XXXX ). It is showing on my credit report after numerous attempts to remove. 

2. Bank of America is reporting two open credit cards on my credit report, I only have one. Confirmed with BOA in numerous occasions that I only have one credit card ( ending in XXXX ). The one starting with XXXX is not mine or needs to be closed. It is showing on my credit report after numerous attempts to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw that there are 3 student loans on my credit report that are not mine. I listed these 3 accounts on a Identity Theft Report. I have reached out to EXPERIAN, XXXX AND XXXX AND LET THEM KNOW THAT THESE ARE NOT MY ACCOUNTS BUT THEY HAVE NOT CHANGED MY INFORMATION.I have no idea how i have these accounts on my profile. EXPERIAN, XXXX AND XXXX are BREAKING THE LAW because although i have disputed these items, They are in violation of federal consumer law. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. I as a consumer have NEVER given XXXX, EXPERIAN OR XXXX ANY Written instructions or consent to report anything on my credit report. NO CONSENT MEANS IDENTITY THEFT. I am demanding these 3 items be removed because it isn't fair to me as a consumer and they are fraudulent accounts. If they are not removed, I will not extend my credit to anyone anymore or allow XXXX, Experian or XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. There are inaccuracies on these fraudulent accounts as well and these 3 consumer reporting agencies aren't reporting the same information. These inaccuracies on my credit report it has caused me to lose faith in the banking system. If XXXX. XXXX and XXXX wants to continue doing business with me then they must delete these Inaccurate accounts off my consumer report. This isnt fair to me as a consumer.
Product: Credit card

I was receiving by mail several requests from Capital One to acquire their credit card for more than a year. In XXXX, XXXX after learning from their commercial on TV that Capital One would award XXXX miles for using their credit card for every dollar of purchase, I applied over the phone for a credit card. Immediately Capital One obliged by opening a credit card account based upon our credit history. They mailed us XXXX credit cards, XXXX for me and XXXX for my wife. The credit card issued was for those with excellent credit history. Since our credit history was excellent, they sent us the credit card with 'VENTURE ' appearing on the front of the card. Capital one 's web site shows XXXX types of card on their web site. XXXX with 'VENTURE ', and the other, 'VENTURE One ' ( the 'one ' written beneath VENTURE ) appearing on the face of the card. What we received was 'VENTURE ' and we have been using this card since receiving it in XXXX, XXXX. 
Capital One 's web site for 'Travel Rewards ' shows details of miles awarded for these XXXX types of cards. According to their web site, the card with 'VENTURE ' on the face of the card earns XXXX miles while the card with 'Venture XXXX ' on the face of the card earns XXXX miles for every dollar of purchase. For several months since we began using Capital One credit card for our purchases, I did not check the reward miles accumulated in our account. We assumed that Capital One would award us XXXX miles for each dollar of purchase. But when I checked the miles accumulated in our account on XXXX/XXXX/XXXX, I found to our surprise that Capital One was awarding us only XXXX miles instead of XXXX miles contrary to what was shown in 'Travel Rewards ' on their web site. After I complained about the missing miles on XXXX/XXXX/XXXX, they changed the system to award XXXX miles per dollar. But, they are refusing to give us the benefit of XXXX miles per dollar for the past 6 months from XXXX/XXXX/XXXX, the date Capital One opened our account. This is a blatant disregard of the benefit stated in their web site. We have charged {$5000.00} on Capital One 's credit card for the past 6 months and the reward summary shows only XXXX miles in our account. Our account should show a reward of XXXX miles based upon XXXX miles per dollar. We request your intervention as Capital One is reneging on the benefit rewards stated on their web site for the type of credit card issued to us.
Product: Mortgage

I had a home equity line of credit with US Bank for several years. It was free cause I had a checking account. I only had the checking account to get a home mortgage with them. I have a high credit score and no credit issues. I did a refi back in like XXXX with a new bank. When I did that I was told I needed to close the US Bank home equity line of credit. I thought we did that through the close process on my new mortgage - which paid off the mortgage I had had with US Bank. 
I received notice during the holidays on XX/XX/XXXX in a letter that I suddenly had to pay the home equity line of credit annual. I tried to close the account on XXXX - before the due date on XX/XX/XXXX for payment. And the bank now tells me I still have to pay the amount and that the draw date was XX/XX/XXXX. The draw date was before they sent me this statement so I could not have known this line was still open. I didn't receive a prior notification that this line of credit was still open after my close of the new mortgage. The customer service rep said a banker could waive at the bank, but at my work campus the branch desk for US Bank is closed cause my work site is closed cause of XXXX.
Product: Checking or savings account

This issue was discovered today XXXX2017. I reviewed my account online and noticed a charge of {$140.00} from XXXX XXXX XXXX XXXX ( XXXX, TX ) which I did not authorize. I called my Bank Navy Federal Credit union to ask that the charge be reversed. I was told that even though the funds had been pulled from my account I would have to wait for the charge to post. I told the bank I did not authorize this charge from XXXX and that this is theft. I concluded my business originally with XXXX in XX/XX/XXXX. My Insurance company XXXX  procured a rental for me due to hail damage on my vehicle. I was charged a {$50.00} dollar deposit on my card which was returned a week after I returned the vehicle. I did not authorize the {$140.00} nor received any correspondence that these charges would be made to my account. I expect restitution of the full {$140.00} taken from my account without my permission. It continues to amaze me that companies are allowed to engage in theft without consequences. Thank you for your cooperation and assistance regarding this matter.
Product: Mortgage

I made a payment of {$1200.00} on XXXX/XXXX/2015 which, as of today ( XXXX/XXXX/2015 ) still has not been applied to my account. The payment is being held in suspense. My mortgage payments are up to date ( next payment due XXXX/XXXX/2015 ) and the payment is not a partial payment ( normal monthly payment is {$950.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This account was opened on XX/XX/XXXX - and currently has a balance of {$550.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX XXXX XXXXXXXX on XX/XX/XXXX and explained that I have a debit card with XXXX XXXX XXXXXXXX, but no credit card. I was given the run around and transferred to numerous agents with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/2022 to XXXX, XXXX and Equifax. However it's been more than XXXX  days and the credit bureaus failed to send my investigation back. I don't know what's going on. 

According to the law 15 U.S. Code 1681i -Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also I am a natural person. living breathing with blood flowing through my veins. I'm writing this myself and not by some company or other entity. I DEMAND ITEMS BE REMOVED IMMEDIATELY AS WELL AS NAMES AND ADDRESSES BE CORRECTED. I AM A VICTIM OF AGGRAVATED IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX FCU # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage was sold to a new lender on XX/XX/2015. The new lender is Lakeview Loan Servicing, LLC c/o XXXX XXXX, XXXX. Located at XXXX XXXX XXXX XXXX XXXX, VA XXXX. I called this company on XX/XX/2015 to verify the payment address so I could make my mortgage payment but was advised by a representative that the account was not in their system yet and was asked to callback in 1 week. I called the following week and was told by the representative that my mortgage payment had increased, when I questioned the increase the rep realized that the property tax escrow amount was higher. I gave the rep a breakdown of my mortgage payment with the previous lender and that gave me my monthly total of {$2100.00}. The new monthly payment now being billed is {$2300.00}. The rep opened an investigation to have the property tax escrow amount corrected after verifying with the states website. The rep told me to callback in XXXX to XXXX business days and then I could make my mortgage payment over the phone. I called back to follow up after the XXXX business days I was told this matter was still being investigated and the deadline was XX/XX/2015. I called back on XX/XX/XXXX ( 4th call ) and the issue was still not corrected. I requested to speak to a supervisor and was told one was not available, and the supervisor would call me back same day before XXXX. I never received a callback. My wife called again today XX/XX/XXXX and the rep XXXX agent ID # XXXX advised her that the matter has still not been resolved. My wife explained that this is unacceptable customer service and that we are trying to make the correct mortgage payment and nobody is doing anything to have this matter resolved. XXXX said she would transfer the call to the supervisor but then came back on the line and said a supervisor was not available but would have one call us back. My wife advised the rep that we were told this before and the supervisor never called us back. My wife also told the rep that she will be filing a complaint with the CFPB and is still waiting for a supervisor callback. My wife requested the name of the customer service manager and XXXX said her name is XXXX XXXX. We have been consistently trying to have this matter corrected so that we can pay our correct mortgage payment, but nobody in the mortgage company is willing to help.