23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX went bankrupt, and XXXX took over my mortgage servicing. In the process XXXX didn't receive adequate money from XXXX, and are now telling me that I owe them one month 's payment. Not only do I not owe them anything, but they owe me a payment that I overpaid by paying both XXXX and XXXX for the month of XXXX of XXXX. I have sent proof of payments, which were never delinquent, as all payments were done via autopay by XXXX   XXXX XXXX. Trace IDs were provided. 
Every time I call they say there isn't adequate proof of payment. Spoke to few managers who confirmed they have everything they need and should be able to process my refund, but nothing ever comes of it. Have recorded conversations. 
XXXX received payments on XXXX and XX/XX/XXXX, and XXXX received payments on XX/XX/XXXX and XXXX ( which is a double payment for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized used of my consumer report and fraudulent use I have contacted my local bankruptcy court and they have notified me in writing that they DO NOT report bankruptcy to credit reporting agencies or Lexis Nexis. Lexis Nexis has advised they received this information from my Bankruptcy Court please read notification from my local bankruptcy court stating that is false.
Product: Credit reporting or other personal consumer reports

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Payday loan

A collection action appeared on my credit bureau file today for Midwest Recoveries for {$760.00} for a 2012 loan that I did not apply for or receive. Today is the first time I have heard of this. The phone number on the file prompted me to call and I spoke with XXXX that said he received it from attorney XXXX
Product: Mortgage

In 2013 I applied for a HAMP modification for my home. My principle balance at that time was {$780000.00}. I was told that I would not qualify for a HAMP modification because my mortgage was over the HAMP limit. The mortgage company told me I am over the celling and will not qualify me for government loan. I had a XXXX at that time and did not know I was being lied to. 

I have now found out that was not true! The HAMP for a two unit home is {$930000.00}. They said I would only qualify for in-house modification. I was ill, under stress of losing my home and not understanding the entire process so I agreed to the in-house modification. 

I have been requesting an answer since to correct the issue and no response. I could have had the government loan and not lose my house. They have accumulated so much debt that my house is worth about {$750.00} and my debt is about {$1.00} on the first and over $ XXXX on the second. 

Even though my monthly payment changed from the agreed amount, I struggled and made the payments all the way through XX/XX/2013. 

I owe so much now due to their error and want it to be fixed.
Product: Debt collection

I was not working for almost XXXX years and was not able to pay my maintenance fees on a XXXX XXXX At XXXX XXXX timeshare that I completely paid - debt free. I offered to give the Timeshare to XXXX for FREE in exchange for not having the money to pay the maintenance fees. Instead, they kept billing and calling me and tacked on another year of maintenance fees. I am now getting calls on my cell phone and home phone from Aspen National Collections. XXXX is acting out of greed and are treating me like I defaulted on the mortgage! Get a clue, the mortgage is paid in full. Take the property, resell it and recoup the maintenance fees!!!
Product: Debt collection

In XX/XX/2006 I moved out of XXXX and moved to XXXX  ever since. Portfolio recovery LLC has been calling me non stop every week 2-4 times a week from different numbers harassing me over a debt occurred over a decade ago. Ive told them there is no way Im paying it, its too old and its not even on my credit report leave me Alone. Thats was over a year ago. They are calling from random out of state numbers and I block the number. They repeated phone calls started about 4 years ago every week 2-4 times a week while Im at work while Im in meetings taking a even on the weekends. Please stop these harassing tactics and let this single parent, XXXX veteran, struggling to meet ends meet living paycheck to paycheck with out any child support, live in peace. I have already cleared my name and all my debts.
Product: Mortgage

PNC Mortgage is not automatically cancelling private mortgage insurance despite XXXX ratio being well below 78 % for several years. My mortgage is current and no payments have ever been late. 

Additionally, I am paying {$51.00} monthly in escrow for private mortgage insurance, however ; beginning in XXXX 2024 through today, PNC is disbursing {$18.00} monthly to the mortgage insurance carrier as proven in my account transaction history. Although, the 2024 Escrow Statement inaccurately shows PNC disbursed {$51.00} to the PMI carrier for the months of XXXX and XX/XX/2024.
Product: Credit card or prepaid card

Comenity Bank has not reported any updates to any credit bureau since XXXX. 
The following cards are in question. 
XXXX  Victoria secret XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  None have been reported since XX/XX/2022. This is affecting my credit score, and the credit limit and use listed is wrong for all cards. I tried to call them and everytime I get hung up on when I mention the credit reporting. The company gives me the correct credit limit and usage over the phone, but is not reporting to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against IQ data international for violating the FCRA and the FDCPA they have not provided me with any notices and have not given a copy if the original contract. They said partially on reaponse " In XXXX of 2022 we received a new address for the consumer and a new initial notice was mailed to the consumer at the address provided with this complaint, which was not mail returned and was deemed received. Prior to our receipt of this complaint, our office reached out to our client in response to a dispute from the consumer. Our client provided a signed leased, move out statement, and full ledger to confirm the balance on file as accurate. '' I provided no signed move out statement this is a lie. I never received any notice at all. However the law provides a consumer can opt out of their information being shared at any time. I am also supposed to get a notice every 30 days before they report. I have not been given that opportunity. They also cite a statement that says they MAY report unpaid balances to collection agencies but that is with the consent of the consumer I give no such consent. I am instructing them to stop reporting negative information to my consumer report in order to coerce me into paying a disputed account this is again against the law. These are clear violations of federal law.
Product: Debt collection

On XXXX I received a notice in the mail from NCB Management services stating that it was an attempt to collect a debt. The letter also had a logo and/or symbol on it. Pursuant to 15 USC 1692b ( 5 ) - Acquisition of location information which states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. That is a XXXX $ violation pursuant to 15 USC 1692k -Civil Liability. This letter also stated that they have different payment options for me to pay them. This is misleading because I never validated the debt. This is a violation of 15 USC 1692e-False and misleading representations which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I have proof of this document attached. this company is also communicating with me indirectly through other companies such as credit reporting agencies after I sent them a cease and desist this is a violation of 15 USC 1692c ( C ) ceasing communication which states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reporting this timeshare XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. I've dealt with their employees all claimed not to work on commission and introduced themselves as someone other than a salesperson. They promised me I would make money from this timeshare like rental income if I rent it out to others or if a resell it especially because the resale value would go up, making it a good financial investment plus. They said it had some tax benefits similar to owning a second home. They also lied telling me I will never have to pay maintenance fees again. Promised things would be positively different each time things got worse. They offered gifts such as free vacations, gift cards, gas etc. We felt pressured to decide right away because they're saying they have to get a " corporate '' approval to grant us the price being offered & telling us things like it's our last chance at the lowest price. Everything was rushed as we were never informed of the fees involved, they didn't even allow us or gave us enough time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulties because of this timeshare due to the high monthly payments but we can't even use it which is really useless. We even lose sleep over the stress caused by this timeshare. They lied about things and withheld information that are supposed to have been informed to us. They enticed us telling us this can actually be for our family future. Those lies & extremely deceiving sales tactics, we were simply defrauded and taken advantage of.
Product: Vehicle loan or lease

I spoke with a women named XXXX at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX, about why my account was reporting negative and was cut off and talked down to. Once asked is this racially motivated I was told to go to XXXX and kiss my XXXX XXXX dont have a XXXX XXXX in my body and hung up on me. Next thing I know they purposely chose not to respond to my credit dispute and got my credit line deleted by the credit reporting agency.
Product: Debt collection

I have email threads with XXXX going back to XX/XX/XXXX with my XXXX business account rep, his boss and XXXX trying to figure out why we were sent to collections. Our account has been set to auto-draft since XXXX. Our business account was NEVER turned off and I don't know why we were sent to collections in the first place or ever notified. It took months for anyone to figure this out. I finally told them to just withdraw the amount from our checking account because I was sick of it. Next thing I know we received another letter from a lawyer- Maury Cobb Attorney at Law. They turned it over again!?!? I was no longer able to contact XXXX. I had to mail a check. I mailed a check on XX/XX/XXXX and now Maury Cobb ( as of XX/XX/XXXX ) STILL will NOT cash the check and our CEO 's credit continues to drop. I have written certified letters to XXXX XXXX XXXX Department with no response... I mean this is ridiculous!?! Please help. I can provide all documentation.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX. 
XXXX, GA XXXX XXXX XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I am writing to dispute the following information on my credit report as it is the result of identity theft. I have not authorized any transactions or accounts with TD Bank XXXX XXXX XXXX The fraudulent information includes : Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Under Section 605B of the Fair Credit Reporting Act, I am requesting that you block the reporting of this information to any consumer reporting agencies within four days.

Please investigate this matter and remove the fraudulent information from my credit report. I appreciate your prompt attention to this issue and look forward to your confirmation that the information has been blocked.

Additionally, I would like to bring to your attention the following legal references that support my dispute : 5536 ( a ) ( 1 ) ( A ) ( B ), 5564, and 5565 : These sections highlight the obligations of consumer reporting agencies to reasonably reinvestigate consumer disputes and ensure the accuracy and completeness of information in consumer reports. XXXX, one of the largest consumer reporting agencies, has been found to violate these obligations by failing to forward all relevant information to furnishers, failing to provide adequate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files. 

These failures hinder the reinvestigation. As a result of the above, XXXX fails to conduct a reasonable reinvestigation and convey all relevant information to furnishers, which causes or increases the risk that inaccurate information remains in consumers files. 

Please investigate this matter and remove the fraudulent information from my credit report. I appreciate your prompt attention to this issue and look forward to your confirmation that the information has been blocked. 

Thank you, XXXX XXXX
Product: Credit card

To Whom it XXXX concern, I am writing to formally request your consideration for a hardship relief and potential debt write-off on my accounts. The debt accrued for the visa credit card is {$26000.00}. I sent a certified letter which is below for the reason of the hardship and have not received a response or acknowledgement. 

I have been a loyal member of Navy Federal Credit Union since XX/XX/XXXX, and during this time, I have consistently maintained a strong payment history, and full loan repayment, demonstrating my commitment to financial responsibility. My credit history reflects a record of on-time payments dating back to XXXX, which is a testament to my dedication to meeting my financial obligations. 

Unfortunately, my financial stability was significantly impacted by the abrupt end of my XXXX in XX/XX/XXXX. This unexpected event resulted in a substantial reduction of my income, making it increasingly challenging to manage my financial commitments. I want to emphasize that it was never my intention to default on my debts. The record will show that I was in good standing with Navy Federal Credit Union until the dissolution of my XXXX. I am reaching out to you today in an effort to rectify this situation proactively and responsibly, rather than resorting to more drastic measures. 

Given the circumstances, I am requesting that Navy Federal Credit Union consider writing off either the credit card debt or the debt consolidation loan, or both in good-faith. I understand the gravity of this request, and I am prepared to continue making on-time payments on my car loan to demonstrate my commitment to fulfilling my financial obligations. I am fully aware that I bear responsibility for the decisions made during this difficult period. I am truly sorry for any inconvenience or hardship this XXXX have caused Navy Federal Credit Union. My goal is to rebuild my life and financial stability, and I believe that resolving this debt in a fair and equitable manner is a crucial step in that process. I have made numerous attempts to address my financial situation since my husband left in XX/XX/XXXX. While the credit card debt is in my name, it is important to note that it was not solely accrued by me, also resulting me in obtaining a debt consolidation loan for other debt repayment left to me. 


I am hopeful that Navy Federal Credit Union, recognizing my longstanding relationship and history of responsible financial management, will grant this hardship request. I am requesting a response to this letter within 30 days to allow us to reach a mutually agreeable resolution.

Filing for bankruptcy is not a path I wish to pursue. I am committed to finding a solution that allows me to maintain my financial integrity and rebuild my life for myself and my XXXX  children. 
Thank you for your time and consideration. I appreciate the opportunity to explain my situation and express my sincere hope for a positive outcome. 

Sincerely, XXXX XXXX
Product: Mortgage

Chase Mortgage : I was behind 2 mortgage payments. Chase recommended a loan modification. After 6 months, and request after request for documents, we were denied. The reason : the home is not our primary residence. We have a USDA backed loan. USDA loans are not eligible for modification if it is not your primary residence. This is a fact that was discussed with Chase from the very first conversation concerning the modification, yet they still allowed us to go through the process. So, Chase had us go through a loan modification we were never eligible for to begin with. This has resulted in thousands of dollars in foreclosure fees and late fees and has ruined our credit. Other bad practices by Chase : they returned a check for payment on the mortgage as it would opt us out of the modification, they lost over {$2000.00} of our money for nearly 2 months following payment, in full, of a reinstatement quote to bring the mortgage current following the failed modification, they refused to speak to me when I asked to escalate the issue of 2 late payments as a result of them losing the money, failure to explain withdrawals from my escrow account in the amount of {$200.00} and {$720.00}, I could go on ...
Product: Debt collection

I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. The following account JEFFERSON CAPITAL SYST ( Account XXXX ), Original creditor : XXXX XXXX XXXX 
Date Opened : XX/XX/year>. XXXX {$760.00}. I have never had an account with any of these companies. Cease the reporting of the fraudulent item being reporting immediately. I have attached a copy of my FTC report as well as a copy of my ID. ( Please see attachments ).
Product: Checking or savings account

I am filing this complaint because of Bank of Americas ( BOA ) Denial and failure to further investigate multiple claim ( unauthorized transactions ) attempts through XXXX XXXX XXXX and Department and BOA. I have been proactive in assisting with information regarding the victimization that led to my money being stolen, including but not limited to filing a police report, providing BOA pertinent information when requested, and have always been available to answer questions that might assist in resolving this matter. I have been denied several claims I filed with BOA, and requested the documentation that they used to deny me my rights as a banking consumer. I received a document stating my claim is denied solely of the understanding or assumption I should say that the card was used during the disputed transactions that occurred. How that is possible i don't have the slightest idea. To my knowledge my card was never lost, nor was it misplaced. How that is possible im at a loss. My obligation and responsibility is to assist and provide as much information as i could, and i did. Their obligation is to investigate, and they failed to further do so. Under those provisions they are ultimately holding me liable for unauthorized transactions. They are in violation of the consumer protection act and rules and regulations the stipulate the correct procedures that should have taken place which they failed to do so
Product: Checking or savings account

We ordered a chair from " XXXX '' ( by Chase debit card on XX/XX/2018, {$360.00} was charged to our Chase checking account ), but it took so long, so that we cancelled it. And the chair arrived on XX/XX/2018 and we refused and returned it and it arrived at the XXXX XXXX XXXX site on XX/XX/2018. The XXXX tracking number is XXXX. 
XXXX customer service is almost impossible to connect and we couldn't get the refund, so we claimed a dispute through Chase ( Chase claim # XXXX, # XXXX ). Chase finally denied our claim even though we provided a proof of return of the merchandise. They say within 30 or 60 days we couldn't provide it. I don't understand why how many days are important. The XXXX got the chair back, but I didn't get my money back!!
Product: Vehicle loan or lease

Ive had a payment arrangement set up on my account for months now, which Ive been pretty much on top of. What I did not know was that my account was still reflecting in such a horrible state long after the arrangement has been made. The point of a payment arrangement is that its to get current, not a placeholder as it was explained to me. If Im paying to be put in the arrangement, the remaining past due amount is rolled into the back of the loan, giving a new amount due and my account is current. It was told to me when I originally set up the arrangement that with my amount owed it was going to be that amount due till it was paid off in 2 years. So I would have had negative reporting for that whole time??