23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX has placed a collection on my consumer report without providing the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they have failed to give me the opportunity to dispute the account, as stipulated in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

Furthermore, XXXX XXXX XXXX has engaged in false, misleading, and deceptive practices. They have furnished information to consumer reporting agencies without providing the necessary disclosures required by law, in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ). 

I am disputing any and all debts to XXXX XXXX XXXX and revoking their right to communicate with me through email, text, or calls. I am requesting the following : XXXX XXXX and XXXX : Please provide me with proof that the debt is valid and that I am the original debtor. 
XXXX XXXX : Please furnish a copy of the purchase agreement between XXXX XXXX XXXX and the original creditor. 
Licensing and Bonding : Please provide proof that XXXX XXXX XXXX is licensed and bonded to operate as a debt collection agency. 
I believe that XXXX XXXX XXXX 's actions have violated my consumer rights and I am seeking appropriate remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i have been in limbo since XXXX with my mortgage. this has destroyed my business and my family. i needed my credit to get loans to build etc ... .. i tried working with indy mac years ago but they started a modification but stopped because the FDIC was taking them over. since then the new company XXXX charges and misc charge for inspections, realtor fee 's etc ... .have just put the loan amount through the roof. i ca n't get them to give me the bills for all these charges and the licenses of the people doing these special tasks for the bank. for example the bank is charging me XXXX of dollars for realtor appraisals? they do this for free? also this needs to be done by a XXXX person. they will not send me the name of the person and copy of the XXXX or the report? if i am to pay for this why cant i get this info? this is just one of the scams and added fraudulent charges they are trying to have me pay. this again is to drive up the cost on the house to put it further and further under water.i have since found out that they have no real willingness to modify because they are reimbursed the entire original loan amount from the FDIC no matter what they sell the take house for. 
now bank has started up again with foreclosure. they ca n't produce the original note and have told me the note was lost. i was told if the note is lost. they give the court documents that are totally fraudulent. 
i spoke to a reporter who is doing a story on this whole thing and since then in XXXX thing seemed to have stopped? he found violations of so many different banking laws and sec rules. 
now the bank has hired a new attorney and they say a satisfaction of mortgage which my esq found on the town records fraud? they made a mistake and now they say i am to blame. they have use robo signed doc for years and now that it is in my favor it is my fault? i have written hundred of letter to indy mac and every time they tell me something different. i was told note was lost and i would be getting a XXXX back in XXXX? this is why it was satisfied. 

crazy thing is they are doing all this with tasx payer .
Product: Credit card or prepaid card

Purchased collectors coins with a face value of {$2.00} ( less than  {$12.00} melt value ) for {$35.00} on XXXX through XXXX with my fidelity visa card. 

Received bill from credit card company for amount charged plus {$10.00} cash advance fee and {$2.00} minimum interest. 

I was told by the CSR that I can not remove cash advance from my card. 

{$12.00} was removed from my card, but I was told this was being done as a courtesy. 

My card is paid in full at the end of every billing cycle. 

The next month I was charged another {$2.00} minimum interest charge for the " cash equivalent charge. 

They refused to reverse. They have refused to acknowledge my demand that they cancel my card. And refused to send me my final bill by mail. They offered no option for me to substantiate my claim that the classification as cash equivalent was invalid. 

I have 20 years of buying collectors coins in this manner with credit cards. I was not advised of a policy change, and given no way to prevent unauthorized cash advances from being charged against my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit is Excellent but the Equifax report is Fair. There is over 60 point difference. I tried to get onto Equifax to check my report and couldn't. They took my credit card and charge me 3 times. When I called them they said they only charged once. I had to cancel my XXXX credit card and get a new number. Still can not get on the site. Tried to file a complaint. They asked me questions about my file to enter a complaint but all the information was incorrect and I had to choose none of the above. It said this was incorrect and to call but calling does no good. This place is a scam. Thanks
Product: Mortgage

Hello, I filed for bankruptcy in XXXX since then wells fargo has not been applying my mortgage payments to the account. I want to know what they are doing with these payments i am making. they tell me they do n't have a program set up to handle a payment when a person is in bankruptcy. i do n't believe that after all this other illegal stuff they are doing. when i get my resources back in order i will be leaving wells fargo for good. i do n't trust wells fargo anymore. i want my payments applied to my account!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Protection Rights On this day I contacted Experian Fraud Division at ( XXXX ) XXXX on a recorded line and was informed of XXXX  XXXX accounts being blocked and reported as fraud. However XXXX XXXX as a creditor contacted Experian to have them unblock the accounts placing item that was once Deleted by Experian to reappear on my Credit Profile causing me XXXX  XXXX  and to be denied a home loan. 
XXXX Experian Special Services also stated that as a Consumer I do infact have no rights with Experian and that Experian listens to the creditors because that's how Experian makes there money by the creditors paying to use Experian Services. 

I beg for help and protection against these creditors being allowed to maintain fraudulent information on consumers credit reports. As stated I've filed a Identity Theft Complaint and Numerous FTC and CFPB complaints which Experian recommended inorder to have XXXX  XXXX items remov3d and blocked from accessing my report. 
I've complied with each step and need protection. Please contact me in writing. 

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

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my rightto know of what is going on with my credit report.
Product: Credit reporting or other personal consumer reports

I tried several tiimes to fixed this problem I'm sending dispute letter but the 3 creddit bureaus alway refused my letters. I ready feel stress regarding this problem Please delete the following inquires below. Please make an action or else I will file a case. 
Here 's the list of the unauthorized inquiries I want to delete asap XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Student loan

I have had my student loan since 2006 I have always attempted to be on the income-based repayment program IBR. The student loan servicer AES has continually lost applications not processed them and often times pushes me into programs that are beyond what I get monthly from Social Security XXXX. many times I will take pictures or send my applications by certified mail they are often lost and then my loan is recapitalized enriching the company well damaging a XXXX persons life. The callous nature in which they have dealt with us the violations of law must be investigated. By not allowing me too enroll in the IBR they have caused dramatic financial hardship for my family and have continually flaunted and violated the law by not accurately recording my payments to IBR and making it so hard for a person with a XXXX to get a ADA accommodation to assist in solving it. I have this year sent to certified overnight packages with the IVR program and tax information as requested I videotaped that the information going into the envelopes was what they asked for and showed on the video handing it to the post office the post office says they were delivered and received and yet AES company denied as they received them the third attempt I went online and with assistance from a Student Loan counselor at AES completed the IVR application and electronically submitted my tax information all of this was verified during the call and yet they denied they received it and re-capitalized my loan and clear violation of the law.
Product: Debt collection

IN XXXX OF XXXX, I STARTED RECEIVING CALLS FROM A DEBT COLLECTOR CALLED THE OFFICES OF CREDIT MANAGEMENT , LP. THEY ADVISED THAT I OWED A DEBT XXXX {$140.00} FROM XXXX XXXX XXXX. I HAVE NOT HAD XXXX XXXX XXXX  IN ABOUT 4 YEARS. THEY ADVISED THIS WAS A DEBT FROM XX/XX/XXXX. FIRST, I KNOW FOR A FACT THAT THIS INFORMATION IS INCORRECT SO I DISPUTED IT WITH THE DEBT COLLECTOR. SECOND, XXXX XXXX NEVER ONCE IN 4 YEARS, AFTER CANCELLATION, ATTEMPTED TO CONTACT ME AND I HAVE LIVED AT THIS SAME ADDRESS. I ALLEGE THIS IS AN UNFAIR BUSINESS PRACTICE THAT XXXX XXXX PURPOSEFULLY DID NOT NOTIFY ME UNTIL 4 YEARS LATER IN AN ATTEMPT TO MAKE IT MORE DIFFICULT FOR ME TO VERIFY THE DEBT. I KNOW IT'S A SMALL AMOUNT, SO TO WHAT END, I DO NOT KNOW.
Product: Mortgage

In XX/XX/2024, I sent an email to my Mortgage Servicer, Shellpoint Mortgage Servicing, d/b/a NewRez, with my updated insurance policy information. I then sent an updated email with a newer one which included a discount for the age of my roof and requested an off cycle escrow analysis. I received and escrow statement which included the correct numbers. I then received an escrow statement with the incorrect insurance amount which increased my payments. Before my first increased payment was due, which included the incorrect escrow amount, I requested time again through chat that the off cycle escrow analysis be completed. I was promised it was escalated. I was told it would be done in days. I paid the increased amount due, once. After that I reviewed the old escrow analysis and discovered the numbers included in this analysis were using the correct insurance amount. I began paying the principal, interest, and escrow amount based off the correct ( but not presently being included in my statement ) escrow amount and requested repeatedly via chat, on the phone and when asked via email for an off cycle escrow analysis to be complete. Finally in XXXX XXXX XXXX, a new escrow analysis was complete, but somehow magically my purported escrow shortage was now not allowed to be spread out over 36 months like it was in the original escrow analysis. I paid two small amounts in XXXX and XXXX, but I was told that because I didn't pay the bill as due when due ( which included an incorrect escrow amount ) that I had hundreds of dollars being assessed in late fees and noticed negative reporting being reported on my credit report. That's when I sent an email telling them that if they couldn't fixt the problem I wanted to not have them pay my escrow. I never heard anything regarding this request. This was sudden, unexpected, and unfair. The fault admittedly ( they literally told me it was their fault on the phone ) is NewRez '. I called regarding my past due fees and was told they couldn't refund them initially. After some arguing, I was told that they would submit they would waive the late fees because the error was theirs. I made the small additional payment in XXXX and everything was supposedly good there. This was discussed on XX/XX/XXXX. It is now XXXX and my account is still showing the past due fees. I was told the last time I called that no one would ever call me back and that I would have to keep calling. I was promised this case was escalated though and that the person on the phone was doing all they could. I told him at this point in time that the issue has been going on for over a year and I would be filing a complaint with everyone I could and hiring counsel, if needed to make the demand for correct credit reporting and a claim for damages, because at this point in time I need to protect myself. If I have to retain counsel, their fees will be included in my claim for damages. The documents submitted with this complaint are not all the documents in existence, and NewRez supposedly has detailed notes of every phone call, etc. as well.
Product: Vehicle loan or lease

For my new XXXX the Payment date XXXX fell on weekend and they will not let you make a payment on that date it defaults to the next business day. I paid on the XXXX before my due date and still today on the XXXX my account is showing past due. Its not even reflecting online. My payment only shows scheduled for today when I made it on the XXXX. Then it says allow 2-3 business days for it to show up.
Product: Debt collection

This loan was taken in 2011 and paid at the same time. This company reports every month that it's late for the past XXXX  years!! I've disputed with them and credit bureaus to no avail. This can not be legal.
Product: Checking or savings account

The Bank refused account opening due to 3 inquiries on my XXXX XXXX XXXX XXXX  reports XXXX which is in fact, empty and brand new, not negative information in it. I got to this country on XXXX XXXX XXXX months ago, and this is my welcome to XXXX message. I've been searching for a Bank, which is very legal and really understandable to have a couple inquiries on file, and I've been denied account opening. If having some inquiries affect a account opening decision then why do they even consider applications for customers to use and apply? 

I applied for XXXX XXXX and after I find out I needed to have a direct deposit on my account every month in order for me to have the monthly maintenance fee waived, I stopped and moved one to the next application. 

I applied for XXXX XXXX XXXX and I never receive a response in the mail, only that my application was denied without a response. So, I had to move on. 

I applied for Capital One and I even spoke with someone over the phone for verification purposes and I got denied because I have a couple of account application inquiries on file. This DOES NOT make any sense. 

So, as you can see, I needed the couple inquiries on my background in order for me to apply. How can I explain to my next Bank application that I had 3 inquiries on file and got denied account opening for a lame reason? Are they going to still open it? or Are they going to deny me too? 

Ask yourself that question and then restructure you entire account opening procedures.. 

Attached my Social Security Card, my ID, Passport, and XXXX XXXX XXXX. 

Thank you for having me to go through all of this, without even wanting.
Product: Mortgage

Refinanced our home mortgage with XXXX XXXX XXXX. Closed on this on XXXX/XXXX/16. Closing agents sent payments to Citizens Bank to close the XXXX loans on XXXX/XXXX/16. The payoff amounts sent to Citizens were actually higher than the amounts owed on the loans. In excess of {$1400.00} on XXXX loan and {$220.00} on the other loan. This excess was not deposited into our existing Citizens Bank checking account. I called our local Citizens Bank branch office today and XXXX told me that they have the money, they will not put it into my checking account. They will issue XXXX checks to me on XXXX/XXXX/16 because it takes 10 days to process this. Seems extremely unethical banking practice.
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) 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 these illegal inquiries are reported illegally on my XXXX XXXX report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth of XXXX XXXX XXXX which is in accurate it must be deleted because my correct date of birth is XXXX XXXX XXXX.also, my XXXX XXXX  has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in 2016 any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the last year, I have been disputing with Experian regarding fraudulent accounts reporting on my consumer report due to identity theft. I have spent the last several months sending in disputes and asking for a thorough investigation to be conducted as they would clearly see I was a victim of identity theft. I have ask for validation of debt, wet-ink signature, original contract, all statements, day, time, location, and method the fraudulent accounts were opened. I've also asked for payment history, any correspondence sent to my only and current address and these neither Experian nor the furnishers of the fraudulent accounts, them being XXXX XXXX XXXX and XXXX XXXX, have provided me such information. After contacting my attorney, I was advised to complete an identity theft police report that would make Experian by law, remove the fraudulent charge off accounts by XXXX XXXX XXXX XXXX XXXX XXXX and block any attempt by either XXXX XXXX XXXX or XXXX XXXX to re-report the fraudulent account. I submitted the dispute online and attached the submittedidentity theft police report, the approved identity theft police report, my current California drivers license, signed SSN card, and credit card statement showing my current and only address, Experian opened the dispute only to send me correspondence via email directly from them stating they are declining to block fraudulent information being reported month and after on my consumer report. THAT IS A BLATANT VIOLATION OF LAWS put in place to protect consumers like myself, and it is the job of CFPB to ensure they follow the law. I will attach the email Experian sent with completely irrelevant reasons for why they declined to remove and block the fraudulent information. They never denied the identity theft police report nor did they send me other requested information in that dispute letter. I am completely fed up with Experian and I ask that the CFPB force Experian to follow the law and remove the fraudulent accounts reported by XXXX XXXX XXXX and XXXX XXXX. I have never had any credit accounts with either company nor do I intend to after this disastrous mess I have had to deal with because of identity theft. I have put in several protocols in place to make sure my identity is not stolen yet again by changing banking or financial app-related passwords, enrolling in a identity theft monitoring service, as well as keeping a close eye on my credit reports.
Product: Debt collection

I did not receive any notification from the collection agency, and then I found it on my credit report for a wrong amount. I called them and asked why I had not received written notification of the debt, and they said they emailed it to an email address I had never heard of. Which means my private information was being sent ( repeatedly ) to a stranger. I contacted the original creditor and they verified that they sent my correct email address, which means somehow they mixed up my file with someone else 's. My mailing address was correct in their files, but they did not mail anything until I put in a dispute with the credit bureaus. They verified over the phone that they only sent it over email, and tried to call. ( I did not receive calls, but I assume it's because their number comes up as spam through my phone carrier ). 
Despite telling them that I was not notified they refused to start over the process and stop reporting it. I'm not sure how they " verified the debt '' when the amount was incorrect and they had the wrong contact information. 
They also insisted that they did not buy or own the debt, but were only working on behalf of the original creditor and I could go back and pay them directly, but the creditor said the opposite. I have placed disputes with the credit bureaus but this is a violation of the Fair Credit Reporting Act.