23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern : In early XXXX of 2015 my wife and I applied for a loan modification from US Bank. After approximately four XXXX months of receiving poor communication, poor service, having to send things multiple times ( some my fault ), not being able to leave voice mails and more, I received a denial. The denial letter stated that US Bank presumably tried multiple options however the reason for denial was the same for all " We previously requested income documentation from you to reconcile income discrepancies found during the review. The requested documentation has yet to be received. '' ( see attached correspondence ). This is a bold face lie. At this point I do n't why I was denied. In any case, I completed an application which was thoroughly completed and included pay stubs. We they asked for more info I gave it to them. Additionally I was assigned XXXX different relationship managers XXXX XXXX and XXXX XXXX both of whom I communicated with many times. 
In the spirit of brevity I am refuting the denial on the basis of XXXX simple facts 1 ) I have always been on time with every payment and therefore a good and loyal client and 2 ) US Bank had already granted me a previous modification for which I am grateful. If they did it once they can do it again. I did not ask for an adjustment to current market rates/terms. All I wanted was to get the same rate/adjustment I had before with the previous modification which is a rate that is still well above current market rates. The current rate I have now is ridiculously above current market rates. In fact it 's downright oppressive. I am not asking for anything unreasonable. I am simply trying to improve my financial situation and I have recently had a drop in my income. I believe US Bank is choosing to do is take advantage of my situation where I have no other options to refinance. If this how there treat loyal clients I 'd to see how treat those you do n't pay. 
Please review my situation and please choose to help me and my family. Again I am only asking for what was clearly available before. 

I will thank you in advance for your help and consideration.
Product: Credit reporting or other personal consumer reports

Accuracy of credit report- 15 USC 1681 ( e ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$760000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$4600.00} XX/XX/XXXX Recently I noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that the credit bureaus are suppose to re-investigate these accounts for me to ensure accuracy.
Product: Credit reporting or other personal consumer reports

First, Equifax, XXXX, XXXX, XXXX XXXX, XXXX XXXX - are the same companies owned by the XXXX XXXX XXXX family, who have been falsely disparaging consumers since their XXXX newspaper slandered the owner of XXXX XXXX XXXX, but XXXX let XXXX out of the case when his XXXX 's credit would not get him a bank loan to pay XXXX, it is like XXXX and XXXX are the same companies. Since at least XX/XX/XXXX, Equifax has used their XXXX employment/ insurance division to keep people who sued Equifax from getting a job or decent rates. I sued Equifax about XXXX and since XXXX have been kept from getting a decent job by false disparagement in retaliation by EquifaxXXXX XXXX who have refused to remove false repeated addresses they obtained from XXXX with a heading " numerous addresses show instability to avoid debts ''. It is unlawful to report negative credit over XXXX XXXX XXXX, this is over 20. Also, XXXX has my file mixed with a XXXX XXXX who works at XXXX XXXX in XXXX and will not remove that either. XXXX doubled the rate they quoted and wrote to me that it was due to XXXX. XXXX is shown in the attachment making a false statement as they had already accepted my identification and offered to put my social security number on the internet but when I told them that due to the Equifax data breach I wanted it in USPS mail, they falsely stated that my ID was not acceptable. Like the TV Movie THE BOLD ONES -THE INVASION OF XXXX XXXX which had to be about Equifax in XXXX, if you sue XXXX as I did for reporting false info about XXXX, they will keep you from getting a job or decent rates, they also falsely disparaged again in the movie XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX. I was XXXX 's top salesperson in the nation in XXXX but XXXX has kept me from getting a decent job costing me {$170000.00} annually since XXXX. XXXX XXXX manager XXXX XXXX told me that XXXX got me fired even after she had hired me and XXXX XXXX paid my lawyer XXXX XXXX a small settlement to keep from having to disclose the false reporting in my XXXX report. I have XXXX XX/XX/XXXX of college, XX/XX/XXXX XXXX XXXX XXXX, top salesperson in the nation, perfect credit, and I can't even get a job from Equifax retaliation for my suing them. XXXX XXXX XXXX - Equifax CEO - more or less threatened the FTC when the annualfreecreditreport law passed. Then, almost every restaurant I went into had a flyer on their bulletin board telling how many US Congressmen had bankruptcies, how many had unpaid child support, how many had been turned down for a credit card and all the negative information in XXXX files. XXXX XXXX XXXX Veteran XXXX XXXX XXXX, Age XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/2024 and noticed XXXX is reporting outdated address- My Legal Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name ) -other variations are incorrect. 

My current address is XXXX XXXX XXXXXXXX XXXX, XXXX TX XXXX should reflect XXXX I moved into my home ; Equifax shows XXXX ; XXXX city and date -- ( XX/XX/2024 ) XXXX is the only CRA reporting old addresses- ( some over XXXX XXXX XXXX ) -
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), Dated, XX/XX/2024, I, XXXX XXXX, am writing to file a complaint against XXXX, EQUIFAX, and XXXX regarding inaccurate information reported on my consumer report. The inaccuracies include errors in my name and employment details, leading to challenges in identity verification by banks and causing me significant emotional distress. 

Attached, please find a letter demanding the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved UCC 1-308.
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX XXXX about a change to my card from Experian. Experian upgraded my account that I have had for XXXX  years. I didnt authorize this transaction. After investigating the charge. I discovered Experian has personal that I didnt give them. I tried to remove the information, with no luck. I tried to shut my account down. There is no way to get rid of my account. I filed a dispute with XXXX XXXX. I then contacted Experian and the website states on refund or credit. I called them and told them I didnt authorize the upgrade to my acct. They said they would give me a XXXXXXXX XXXX refund. They did. Since they have my credit card information. I am afraid they will try this again. XXXX days after this happened, I told my daughter about the incident. On XX/XX/XXXX, my daughter reported that she too had received an unauthorized charge from Experian for the same upgrade. We got the notices around XXXX pm for the amount of {$24.00}. My daughter and I arent the only ones being charged. Please help!
Product: Debt collection

I was contacted by Unifin to collect a debt for a payday loan. I advised that I could not pay the debt at the moment but intended on paying it. I was told that they would proceed with legal action because they had the information they needed to do so. I was told that as soon as I pay it, I would be able to borrow again. I was also told that if I had a negative reporting, they would delete it. The first date did n't work for me. I called back today XXXX XXXX, 2016, to clarify what I had been advised. XXXX offered me another settlement. When I asked how soon I could borrow, I was transferred to her manager. He advised that as soon as I settled, I could borrow. I paid the amount and was told that I would receive the settlement offer & receipt in an email. I did n't receive anything. Borrowing quickly was important to me because I had to take my daughter out of town to a specialist the following day. So, I paid the amount. When I went in to borrow, I was told that I could n't. When I called Unifin back, I was then told by XXXX, it would take XXXX 60 days. This was misleading and deceptive. I asked if all of their calls were recorded. She said they were. I spoke with them a total of 4 times in 2 weeks. I encourage them and other governing agencies to listen to those calls. I am probably not the only victim of their unfair and deceptive collections practices.
Product: Debt collection

I dont answer to XXXX calls after declining the call my wife was called by the same number almost instantly. Furthermore XXXX the number we found out the caller is from Coast Professional inc. did not leave voicemail.
Product: Mortgage

I am in a process of refinancing the loan that I have with Fay Servicing and need a payoff statement from them. We have called several times every day for over 10 days requesting it, and have heard from them that we will get it by the end of the day, which hasn't occurred. The closing already had to be rescheduled 2 times, and TODAY ( XX/XX/2022 ) is my deadline to have it closed. Fay Servicing still haven't submitted it. They keep that " calling them won't make any difference, '' and that " they will submit it when they submit it. '' I need help. I feel disrespected, haven't been able to go to work in XXXX, as the closing is in XXXX, and each day that Fay Servicing is denying to submit this document, the extra interest is being added as per their own benefit as if it was no consumer protection that would protect the client in a situation like this. 
If needed, I have records of all calls and emails sent to Fay Servicing.
Product: Debt collection

On XX/XX/2022 around the time of XXXX XXXX XXXX. I spoke with a gentleman from Conns XXXX XXXX. I was at work at the time of the call. This was a very inconvenient time for me. 
I told him I was at work and he persisted to ask me to pay the amount I owed. 
He was very rude in using obscene and profane language towards me, This is a violation according to 15 USC 1692 ( d ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader He asked me when do you get payed. You owe and debt and you havent paid it how do you want to take care of this. 
This is another violation because begin to annoy me. 15 USC 1692 ( d ) ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

I then proceeded to ask for a supervisor, at first he wouldnt let me talk to anyone. Then he transferred me over to his lead name XXXX. 
When she got on the phone she never said anything about this is an attempt to collect a debt neither did the first guy I spoke with. XXXX began to be rude and started using obscene language towards me and begin to annoy me.This is a violation according to 15 U.S. Code 1692 ( d ) ( 5 ) After this call was over I was very disappointed in the way I was treated.
Product: Debt collection

My Name is XXXX XXXX. I have received alerts that a company called TransWorld System INC/XXXX  has reported me to each credit bureau. They insist that XXXX stated that I owe {$360.00} and XXXX denies reporting this claim to collections. 

I have been disputing this claim since XX/XX/XXXX. Finally, XXXX  removed the claim. However, the collections company TransWorld continues to try collecting money from me that I do not owe. I do not have a XXXX account. 

TransWorld System INC/XXXX is committing fraud. I have reached out to them several times, without any resolve. Today when I reached out to them I could not get any assistance. 

XXXX, even says that their company shows that I do not have an account, or owe money. 

Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint with the help of the CFPB to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. The accounts and information in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts and information or authorize anyone else to do so on my behalf. I believe that this is a case of fraudulent activities and I am taking steps to report this to the authorities.
Product: Credit card or prepaid card

I cancelled the card in XXXX XXXX at XXXX they charged me XXXX 4 times for late fees ... XXXX too much
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Collection account 1. XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX mos ) 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX mos ) has violated my rights. 
I looked at my transUnion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 


And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

This complaint is in regard to my private student loans with Navient. A couple of years ago I tried to work with Navient on a payment plan. What they were asking at the time was not affordable to the point I wouldn't even be able to pay my rent. I contacted them to see if they had any programs or could assist me with coming up with a payment that I could afford. The representative said he would need to discuss it with his team, but if I could make a " good faith payment '' then it would buy me some time and will show the company that I am serious about working something out. I made the payment and tried to contact the representative several times to inquire about the status without success. All of a sudden, I receive a letter from XXXX XXXX XXXX, stating that my loans have been turned over to them from Navient and to reach out to them to work out a plan. I was devastated because that's what I was trying to avoid. I soon learn that Navient charged off the accounts and reported my accounts as derogatory, which is still the same status they are reporting today, which is incorrect. I wasn't sure what to do or my options, and felt like I had been tricked, so I just went ahead and worked out a plan with XXXX XXXX XXXX and have been paying them faithfully for over a year now and they send the money to Navient, which Navient has confirmed. Navient also refuses to update the status of my credit report as well as they are reporting a past due balance. I have been making payments for over a year, but they stated that they dont update statuses when they are derogatory. However, how is it derogatory if I have been making payments? There should not be a past-due balance as well. Their negligence in not providing me with options for a payment plan, falsely making an agreement and conning me into making a payment in hopes of working something out, and not accurately reporting to the bureaus has negatively affected me and my family tremendously. I am not able to buy a home due to their negligence and I am hoping to come to some sort of resolution via an investigation and at least have my credit report information reporting accurately.
Product: Debt collection

Dear RESURGENT CAPITAL SERVICES and/or LVNV FUNDING LLC XXXX This letter serves as my formal response to the correspondence received regarding the referenced account ( the " Account '' ) allegedly owned by LVNV Funding LLC and serviced by Resurgent Capital Services L.P . I am writing to inform you that you **do not have my permission** to access, use, or maintain my personal information, and I believe this action constitutes a violation of my consumer rights under state and federal laws. 

**Violation of Consumer Rights : ** Under the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692 et seq., debt XXXX are required to validate and verify a debt upon request. I have repeatedly sought documentation, including but not limited to the **purchase and sale agreement**, which would demonstrate ownership and a valid chain of title for the Account. Your refusal to provide this information raises significant concerns regarding the legitimacy of your claim and constitutes noncompliance with the FDCPA. 

Furthermore, under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681b, entities must have a permissible purpose to access or use a consumer 's credit information. You have failed to demonstrate such a purpose, and any unauthorized access to or handling of my personal data violates the protections afforded to me under the FCRA. 

**My Position : ** XXXX. I do not acknowledge or authorize any claim you allege concerning the Account. 
XXXX. I do not consent to LVNV Funding LLC, Resurgent Capital Services, or any associated entities having access to or processing my personal information. 
XXXX. Your failure to provide the requested validation and proof of ownership, including a proper chain of title, is not compliant with federal law. 

**Action Requested : ** I formally demand that you : - Cease all attempts to collect on this alleged Account immediately. 
- Refrain from sharing, accessing, or processing my personal information without explicit authorization. 
- Provide a detailed explanation of the permissible purpose under which you believe you are authorized to maintain my information. 
- Confirm in writing that you will remove my personal information from your systems in compliance with applicable laws. 

Please note that continued violation of my consumer rights will leave me no choice but to pursue legal remedies. I expect a written response to this matter within XXXX days** of receipt of this letter, as required by federal law. 

Should you have any further questions, I can be reached in writing at the address listed below.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding the account XXXX XXXX XXXX XXXX XXXX. According to my records, there have never been any late payments on this account, and all installments have been paid on time. 

However, my credit report currently reflects an inaccurate status that does not properly represent my timely payments. Therefore, I respectfully request that this information be corrected immediately to accurately show that the account is current and without any late payments. 

I appreciate your prompt attention to this matter, and I am prepared to provide any additional documentation needed to support my request.
Product: Checking or savings account

I am the executor of my mother 's checking account and she passed away on XX/XX/2021 and after reviewing her account, I seen a withdraw from Capital One of {$2500.00} on XX/XX/2021. My mother did not have any credit cards, she only had a debit card for her checking account from XXXX XXXX XXXX. I went to the bank and did all the necessary paperwork for unauthorized withdraw and the bank faxed all info to Capital One. I have talked to Capital One numerous times and so did the bank but they say they can not find any info for it. They are refusing to investigate or give my mother 's money back. This is definitely fraud and I do not know what to do next. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX My mother 's name : XXXX XXXX XXXX, I have attached the printout of her checking account for XX/XX/2021 Capital One XXXX attn : Payment Investigation Dept
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.