23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In or about XXXX of XXXX I contacted XXXX requesting my account number so that I could cancel services with them and move to another phone company. I advised the representative to cancel my account, this was before the next month 's billing cycle began. That same day I went to XXXX and ported my phone number to them, leaving XXXX and cancelling my account. I did not use any of XXXX 's services going forward. Yet it seems that after that month 's billing cycle ended they continued it, not cancelling my account as requested. They apparently billed me, despite my request and despite the fact that I could not use their services at all as I did not have a device connected to XXXX 's network even for 1 day during the new billing cycle as I was with XXXX pre-dating the new month 's billing cycle. 

Today I got a credit alert that a company is trying to collect this false debt, with fees. I do not owe a debt, and I take issue with this company as well as XXXX because I ensured carefully prior to the new month 's billing cycle to cancel all services and cut all ties with XXXX, it would 've been impossible for them to provide me with any services as well.
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order FCO to make recompense and pay redress and compensation for their trespass against me. FCO has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems has reported an account in collection to all 3 credit bureau in the amount of {$1200.00}, from an alleged payday loan with XXXX XXXX XXXX   from XXXX. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ( Texas ) ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred despite having sufficient funds when transactions were made and authorized i was charged fees due to lagged posting of charges and credits this issue aligns with the recent CFPB findings against NFCU for similar practices where transactions settled with insufficient balances despite initially available funds these practices are unfair and i request an investigation into my account transactions
Product: Mortgage

Dear CFPB, My name is XXXX XXXX and I went through the first time homebuyer program called XXXX and XXXX XXXX located in XXXX, Florida, and the coordinator was XXXX XXXX. I owned my own land and received a FHA construction loan, and built a home on my own land. My loan originated as a FHA loan, The original loan was with XXXX, which is now out of business. My loan has been transferred at least 8 times and during a plethora of transitions of the loan, the loan was converted from FHA to Conventional without my knowledge. 

How I was aware of this debacle is when Selene Finance had my loan in XXXX, and then it was transferred to XXXX XXXX, which is now back to Selene Financing XXXX. I have endlessly been fighting to rectify this. I have come to a conclusion as to why my loan was transferred from FHA to Conventional and was attempted to force into foreclosure. I feel that I have been discriminated against due to economic disparity, race, being a single mother, which are grounds of violating my rights which is Title VII of Civil Rights Acts of XXXX  which is the Fair Housing Act. I will send the original Mortgage note upon request. 

On XX/XX/XXXX, I called Selene Finance and spoke to XXXX in customer service and stated to him that Ihave received a letter stating that the loan will be transferred to XXXX XXXX on XXXX XXXX. I also stated to him that the letter was dated XX/XX/XXXX, and that I received this letter through U.S. mail on XXXX XXXX. Furthermore I stated to XXXX to review the Mortgage documents and the note and he agreed that on the documents it clearly states that this is a FHA loan. As evidence, I requested the caller id number which is XXXX, and the call was recorded. By law, your Lender has to inform the borrower that the loan will be transferred. This company is very unprofessional and practices very questionable lending practices. I filed a complaint with concerns with Selene Finance in the past about this companys practices. Attached to this letter is evidence pertaining to my loan. 


Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I went into XXXX XXXX XXXX in XXXX, XXXX  and spoke to a representative about possibly getting a small payday loan, but they told me they only do loan amounts over {$XXXX}. At that point I told the representative that I was no longer interested and left the store. The employee had asked for my ID, but eventually gave it back once I said I was not interested any longer. I NEVER GAVE THEM PERMISSION TO PULL MY CREDIT ( SOFT OR HARD ) nor did they tell me they were going to do this. I had received an email saying there was a new hard inquiry pull on my XXXX XXXX and when I called XXXX XXXX  to ask why they did this, the XXXX told me she wasn't quite sure why they pulled my credit, and I would have to dispute it through the credit bureaus, in order for it to be taken off my record.
Product: Credit reporting or other personal consumer reports

I'm writing to dispute errors on my credit report, ask that they be removed, and request that my credit information be updated. There are inconsistencies that misrepresent my financial background. I respectfully request that these mistakes in my credit report be thoroughly investigated and that they be corrected as soon as possible. My financial security depends on truthful reporting, so I appreciate your consideration of this issue.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft resulting from a data breach, and I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These items do not pertain to any authorized activity on my part and were fraudulently created using my personal information. 
Fraudulent Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$63.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$13000.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of purchasing a home and when my report was pulled and saw alot of information that was inaccurate. Complete defamation of my character. According to 15 U.S.C 1681 there shouldnt be any damages on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my Bank which informed me several times that they didnt report any late charges on my accounts. I called them a several times. Then when Experian claim they contacted them and they reported that it was accurate, I need to see report because the company is lying to their customers. Maybe because of handing my title in late. I was assured by servals loan officer in the correct department that I was never late and they didnt report that information. Very upset causing damaging effects on me finically and credit report,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts were created without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be removed immediately. 
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: Debt collection

Comenity bank continues to call more than 10 times a day I find this the most harassing from a company that has took over an account that has put this on my credit report 3 times for 1 account with 3 different amounts owed
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 USC 1681. 

XXXX XXXX XXXX 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 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. 
Has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Product: Student loan

My serviced is Nelnet. They have told me that my account is past due, when logging on to their system, it says that my account is not due until XX/XX/XXXX. They said my IBR recertification has expired, but I have filled out 4 this year and have even use the IRS retrieval tool. I have certified that I dont need to file a tax return because I dont have taxable income. Im on a {$0.00} IBR payment schedule. When logging in, it says on my account that I am still in this program. I have also certified on student aid.gov and it says on there that Im not due for recertification until XX/XX/XXXX and that if I sent in another, it would not be verified. It says that Im current on the Nelnet online account as well, but they have reported me 90 days late on nine accounts to all three credit bureaus. I also am applying for PSLF loan forgiveness and IDR forgiveness because almost all of my loans are over 20 years old, and I was in different plans while in the military. I had applied for loan consolidation, but no one had any guidance or answers on how to deal with my situation, so the company told me to hold off on consolidating so that my loans would show how old they are. Ive waited and kept communicating trying to figure out what I should do, I have sent several emails to XXXX, Nelnet, and student aid.gov looking for guidance on how to deal with the situation. I understand that everyone is overwhelmed with the new rules, but reporting me late, when on their website it says I dont even have a payment due until XXXX is life ruining. It has dropped my credit XXXX points during a crucial time in my life while trying to refinance my home loan. I need this fixed ASAP. Im not late on my loan, and my payment would have been {$0.00} regardless, and Im also waiting for an answer on forgiveness in which I should not have to pay during that time according to the forms. Also, the system has informed me several times that interest and payment forbearance had been extended to XXXX as well. Im so confused and upset that they could do this and destroy my credit that I have spent the last 7 years building in order to get back on my feet. I am sending in another IBR application today via email and fax, but by all accounts, Im not due for it, or past due. Please help rectify the situation, and get them to remove this off my credit report, before they cause me to lose my house because I wont be able to refinance.
Product: Mortgage

My mortgage with Shellpoint has been under 78 % since XXXX of 2023. I have sent 3 letters requesting cancellation of PMI each 2 weeks apart beginning XX/XX/XXXX. We were notified by Shellpoint that we would have to pay for an appraisal to remove PMI. I called Shellpoint and they told me they could not help over the phone it had to be handled by email correspondence. Another letter came in the mail saying we still had to have an appraisal to cancel PMI. Called in again on XX/XX/XXXX after another PMI payment came out and the customer service rep said that our loan was at 79 % not 76 % and they would not cancel PMI. They are lying about the loan percentage and will not cancel our PMI according to federal rules and regulations.
Product: Debt collection

I received a letter by mail on XXXX XXXX 2015, stating that I owed XXXX XXXX. I do n't know why it went into collections, since I was making payments to XXXX. After I read the letter saying that my payments were to be XXXX dollars a month I concurred. I started making payments immediately. I paid XXXX dollars in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. Then I get a call from WWR Law firm stating that my bank account had insufficient funds, which is not true I replied. They said that they spoke with the banks representitive and when I asked them if they have a confirmation number from that bank they said yes and read a false confirmation number because the number was from my receipt of payment that I had made to them. We hung up and I called my bank and asked them if they got a call from WWR law firm and they said that there was no record of them in the system for calling. I told the bank what the law firm said and they said that I do have sufficient funds for the payments I made, but that there is no record of a charge on my account. When I tried calling the law firm back they did n't pick up the phone and I did call several times that day. I then filed a complaint with the FTC. Then i received XXXX letters from WWR Law firm stating to pay the full balance of XXXX. So then I thougt oh they took out at least XXXX from my account. But when i checked they did not. So I went to the website " wwrepay.com '' to make a payment, but the website gave me a different amount XXXX I need help. I want to pay my debts but this law firm is making it very difficult as they are lying to me. I am a very honest person and respect the law., but This firm seems to be a little dishonest.
Product: Credit card or prepaid card

On XXXX XXXX a non Chase ATM withdrawal was made for XXXX $ with additional XXXX $ fee plus another XXXX non chase atm fee was made without my knowledge. On XXXX XXXX i made a check deposit when i first became aware of that ATM withdrawal in addition to another new XXXX $ non chase ATM withdrawal with again XXXX fee plus another XXXX non chase atm fee. Both ATM transactions were not made by me. Nor did my debit card leave my possession. There was an address listed for one of the ATMs used on XXXX XXXX in an area i havent been to or around in years so i knew immediately something bad happened. I contacted the bank in store on XXXX XXXX and was immediately calmed and taken care of. In a few short days they credited my account back both amounts including the fees. I was extremely grateful and received a new debit card. I even had a really good idea where the credit card info had been taken from and passed that info along. i was sure it had been taken from a local taco truck that used a portable credit card scanner in which i punched in my pin number. Combining this info with the address of at least one of the ATMs i hoped maybe someone would even be caught. Much to my dismay and utter panic on XXXX XXXX both transactions were reversed and taken back out of my account. i felt as if i was robbed for a second time as i had been spending as if the money was there. i was devastated and called Chase where the informed me, Sorry the pin number was correct and both ATMs were within a certain mile range from my house so despite my claim they denied it and confiscated the money. This money is extremely important to me and losing it was crushing to me. I tried to escalate the matter with the claim department which led nowhere. i also went into a branch where the lady called and said they would re review the matter. Now a week later and they arent putting the money back. I provided them with good detail what i believed happened and the ATMs were listed on the statement. I feel extremely violated and discriminated against because i obviously dont have the money to fight Chase on this matter and they dont seem to care about me as a customer. I am heartbroken i 'm considered a liar and/or a thief. Neither of which is true. I beg you to please help seek a fair resolution to this matter and hope for another reversal of this claim. Thank you for your time and i am willing to provide or help in any way.