23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

They locked me out of my house without notice. I am not in foreclosure. I am late on my house payment, but not in foreclosure. I moved out of my house XX/XX/XXXX and notified my bank that I was moving XXXX due to a job change ( a permitted reason to move and not occupy the home under FHA loan regulations ). XX/XX/XXXX, I received a letter stating that they just learned that my home was vacant and that I needed to call them within 10 days or they would take steps to ensure security of the home. I called immediately and reminded them that I previously informed them that the home was vacant and worked it out with a representative to XXXX XXXX 's satisfaction at that time. I traveled to the house XX/XX/XXXX and stayed in the home XX/XX/XXXX. I have a friend who regularly checks on the house and who is considering purchasing the house who went to check on it today and the locks had been changed on my house and a realtor box placed on the door. I did not receive any kind of notice that the house was going to be locked up, or I would have told them that I was using the house when I traveled to XXXX visit my mother. I called today to let them know that I can not get into my own home and they said too bad. They informed me that I could not remove the lock to get into MY HOUSE. I am not in foreclosure. I have not received any notice that the house would be locked and I would be locked out and not provided any access. This is a violation of the law and of my rights. XXXX. I understand the law and my contract and this chain of events is a breach on the part of south pacific financial. They have an obligation to inform me and can not lock me out of my own home without proper judicial authority. They also stated this was partially because the utilities were turned off. The utilities are off because I am having the house completely rewired and new electrical installed. I am ready to sue.
Product: Debt collection

Calvary portfolio keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report, which I believe is inaccurate. This dispute is made under the provisions of 15 U.S.C. 1681o, which holds entities liable for negligent failure to comply with the Fair Credit Reporting Act ( FCRA ).

The following item ( s ) on my report are in error : I request that you conduct a thorough investigation into this matter and correct any errors in my credit file. I am entitled to dispute inaccurate information under the FCRA, and you are obligated to resolve these discrepancies in a timely and accurate manner.

Please provide a written confirmation of your investigation and the steps you take to resolve this issue. If you fail to correct the information or provide adequate evidence supporting its accuracy, I may consider this a violation of the FCRA, as outlined under 15 U.S.C. 1681o, and I will pursue further action. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 
Validate inaccurate reporting late payments. Please remove inaccurate reported late payments. Update to paid as agreed.
Product: Student loan

I have multiple federal and private loans with Navient. After my wife lost her job I was the only one working and made attempt to get lower payments and Navient would not work with me so at that point, I was unable to make any more payments as the payments they want me to make are well over what I could afford. Since then collection attempts have begun, and they are not only calling me 7+ times a day from a robocaller but also calling my family or anyone that has had contact with me. They have left several messages indicating that they need to get in touch with me " regarding your student loan ''. They also have denied me any deferment or forbearance as they state I do not have that option any longer. The funny thing is I am still in school yet they refuse to work with me so I cut all contact with them. They continue to harrass not only myself but also family members, they have called my parents giving the same information. By giving 3rd parties information about my loans I believe they have broken the FDCPA. They have called my wife stating " this is XXXX from Navient calling for XXXX in regards to his student loan debt ''. My wife said they do not have the right to keep calling her and she said they have every right to call her. They called my cousin today asking for him to get hold of me regarding my " student loan debt ''. The harassing calls also are becoming too much to deal with, calling 7+ times a day, calling and hanging up and then calling right back, calling from multiple different numbers. I plan on seeking an XXXX as I feel that they are breaking the law and harassing me and my family members as they will not work with me. They also put on my online account my work number after I have never given it to them. They called my work and also left a message stating they were calling regarding my student loans. Phone records and/or other documentation that may be needed can be requested if need be.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX  XXXX  XXXX XXXX XXXX : {$0.00} Date of Account:12/13/2024
Product: Credit card

On XX/XX/year> a card was opened at capital one credit card company without my consent, also on XX/XX/year> at XXXX XXXXXXXX XXXX these cards where maxed out XXXX $ and where opened before my release from XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. I have notified these companies that it was not me also the credit bureaus who are reporting them on my credit report. I have sent proof of address, verification of incarceration, and a police report stating all these things wrong with my report
Product: Debt collection

After sending them a letter to verify a XXXX  account that they claim I owe for {$1000.00}, the company Enhanced Recovery Company , LLC ( ERC XXXX replied back to me on XX/XX/XXXX with a letter indicating that they could not verify the debt and will ceased all collection activity as well as deleting item from the consumer reporting agency. However, on XX/XX/XXXX, I received a letter from ERC stating that I have a debt and I owe XXXX  for {$1000.00}. This company keeps trying to claim a debt that I do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently tried to open a bank account and was declined because I owe money to Santander Bank. The problem is that I NEVER had a Santander Bank account before. 
Please delete this account from XXXX XXXX XXXX. This is Not even my name and this is clear Fraud.
Product: Student loan

We have requested a statement for the recently disbursed student loan from XXXX so so that we can refinance the loan at a lower rate. The agent stated that the loan does not have a payment due and an interim statement can not be printed. The agent advised that the grace period is 6 months and an official billing statement may not be provided before that time. XXXX XXXX requires an official statement to proceed with my refinance and the existing documentation XXXX will provide is not sufficient for their underwriting guidelines.
Product: Credit reporting or other personal consumer reports

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX  account # : XXXX has XXXX XXXX veried that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verication or validation of any alleged debt. Be aware that I am making a nal goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of ling a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's oce, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Product: Mortgage

IN XX/XX/XXXX, I SEND A CHECK # XXXX AMMOUNT OF {$3400.00} TO COVER THE PAYMENT FOR XX/XX/XXXX AND XX/XX/XXXX. CROSSCOUNTRY INSTEAD OF PUT THE PAYMENT WAS REQUEST VERY CLEAN ON MEMO OF THE CHECK. THE CROSSCOUNTRY PUT THE PAYMENT FOR MORTGAGE PRINCIPAL, CAUSING ALL THIS PROBLEM. 

I HAVE CALLED SEVERAL TIMES TO FIX THE PROBLEM AND SENT A COPY OF THE CHECKS, PAYMENTS. 

XXXX AND XX/XX/XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX After several calls to Crosscountry Mortgage, I thought the problem was resolved until I received a validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian, XXXX, or XXXX credit report, and I noticed a negative account reporting on my consumer report. I have been contacting Experian, XXXX, or XXXX to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per 18 U.S. Code 1028A! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.
Product: Debt collection

Have received 10-15 robo calls from XXXX at all hours of the day. They leave a recorded message stating to call United Collections Bureau at XXXX regarding a debt. I do not owe any money to any entity -- and know this because I check my credit reports regularly and my credit score is outstanding. I believe this is a phishing scam.
Product: Mortgage

I have a 30 year fixed mortgage serviced by Nationstar Mortgage LLC also known as Mr. Cooper. My regular monthly payment ( MP ) covers three items ; interest, principal and escrow. Mr. Cooper is supposed to deposit the money collected from the escrow portion of my monthly payment to pay for real estate taxes and hazard insurance premium associated with my mortgage loan. 

My property is an owner-occupied fourplex with 3 separate structures ; as a result, each of the structures has its own hazard insurance policy. I carry 3 distinct hazard insurance policies associated with the mortgage loan serviced by Mr. Cooper. 

On XX/XX/XXXX XXXX XXXX  Mr. Cooper was supposed to pay the annual premium owed to XXXX XXXX XXXX for all 3 hazard insurance policies related to my mortgage loan. Mr. Cooper paid the premium for two of the policies ; policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never paid by Mr. Cooper. 

As a result ; my policy was cancelled by XXXX XXXX. I became aware of the problem when Mr. Cooper sent me a letter DATED XX/XX/XXXX OF 2023 NOTIFYING ME THAT THIS IS THIS IS MY " SECOND AND FINAL NOTICE TO OBTAIN INSURANCE ... ... THE INSURANCE WE BUY ( MR. COOPER ) WILL COAST AN ESTIMATED {$5900.00} ANNUALLY ''. On XX/XX/XXXXXXXX XXXX XXXX I contacted my insurance agent ; my agent was unable to renew the same policy with XXXX for an annual premium of {$580.00}. Many of the preferred insurance companies are choosing to exit the California market ; my agent was able to provide me with insurance coverage with a different carrier at a higher annual premium of {$830.00}. The new insurance premium is costing me {$240.00} per year for many years to come. 

In addition, Mr. Cooper wants me to pay {$860.00} for the lapse in coverage from XX/XX/2023 ( the date Mr. Cooper failed to pay XXXX ) to XX/XX/2023 ( the date my insurance agent and I provided a new policy through a new carrier ). 

Mr. Cooper is very difficult to communicate with, navigating its toll free number is impossible. To reach its escrow or insurance department is a very challenging task.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2022 XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
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. 

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, has violated my rights.

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.
Product: Debt collection

I am writing in response to your phone call on XX/XX/year>, because I do not believe that I owe what you say I owe. 

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show l agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 

You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. 

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.
Product: Debt collection

I called a collection company that was reporting on my credit reports in good faith to make payment arrangements. We had agreed on an amount and then she emailed me the confirmation that was XXXX more then agreed. When i refused to pay that amount she became hostile with me and threatened to take me to court and threatened me i would pay 21 % daily interest plus an additional XXXX dollars if i didn't agree to the new total.
Product: Money transfer, virtual currency, or money service

I have an account with cryptocurrency exchange Abra. The company asked me to withdraw all my assets with them in early XXXX. I withdrew the cash balance in the account totaled {$130000.00}, on XX/XX/2023. The withdrawal was intended to use wire transfer to my XXXX XXXX XXXX account. My cash asset in Abra 's account went to XXXX XXXXmmediately. However, up till today, XX/XX/2023, My XXXX XXXX XXXXXXXX account has not received this transfer at all. 

I sent a request to XXXX, complained about this problem. On XX/XX/XXXX, I received a response saying that their XXXX XXXX XXXX XXXX XXXX was ordered to stop operation by the government of Nevada. The company did not address the solution to solve this problem, and return my money back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX
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. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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.

As you can clearly see with my attachments, your agency is reporting illegally on my credit file. I am prepared to sue you asap If you do not delete these two erroneous accounts off of my credit file immediately as there is NO BANKRUPTCY being reported on my credit file.