23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

A letter, Certified Mail No. XXXX, has been sent to your office and addressed to CFPB Director, XXXX XXXX. The letter was delivered at XXXX XXXX  on XX/XX/2020. The company at fault is CAPITAL ONE AUTO FINANCE, and all other pertinent information is within the letter. CAPITAL ONE AUTO FINANCE needs to acknowledge the loan has been paid in full and release the title to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company performed a hard inquiry on my credit without my authorization. This inquiry resulted in a lowering of my credit score. When I called the first contact number to discuss with the company the number was an out of service XXXXXX/XX/XXXX number. A second number sent me to a call support center in XXXX where they told me I needed to call a different number. That number sent me to a generic directory assistance service, and not the company. This seems potentially fraudulent and should be investigated.
Product: Debt collection

I was sent a Wage Deduction Notice from a Law Firm named XXXX XXXX XXXX, XXXX. on XX/XX/XXXX. I contacted the debt collector early XX/XX/XXXX. I had spoken with someone at extension XXXX. I was not ever aware of a Capital One Credit Card account of any sort. Allegedly, I opened account # XXXX on XX/XX/XXXX and the account was sent to collections on XX/XX/XXXX & I have two accts on file.I was not aware of these accounts until XX/XX/XXXX from Cap 1 customer rep, XXXX XXXX & when I contacted the law firm responsible for this account. I gathered the following information. 
* XX/XX/XXXX, I allegedly communicated that I disagreed with payment & made payment plans. 
* I was served XX/XX/XXXX * Documentation was sent to my address on unspecified date * Settlement amt sent to my home on unspecified date The other Cap 1 account number is XXXX. I filed a Deceptive Practice Credit Card Report # XXXX. Cap 1 is currently investigating the acct now.I have placed a fraud alert on all 3 credit bureaus. I will do whatever it takes to prove that this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified items on my consumer report that are a result of identity theft. Please see the attachments for further details.
Product: Debt collection

Cactus Jacks Auto- I filed a consumer complaint with the Departm ent of Arizona Emissions due to a vehicle that was sold to me and found out through this department that the emissions were not ever done prior to selling me the vehicle and I signed a document when purchasing that this was done. I have attached documents for verification. The balance due that is being reported is definitely inaccurate and when I disputed my credit card company for the down payment of this vehicle the company did not dispute it and I was refunded my down payment. There is a lot of elements in regards to this matter. This car more than likely sold through auction and there was a recovery of the amount due as well. Which I never received any documentation on what had happened to the vehicle after they had taken it back, which is usually the procedure after a car is repossessed. But this car was sold under the pretenses that it legally passed smog and according to the dealer the car could have caught fire if I had continued to drive the vehicle due to electrical tape wrapped around wires .
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX due to me not having knowledge of the collection Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company. They alleged the company of accepting unreliable information. Failure to notify consumer dispute results. This is my situation exactly. Experian has not attempted to remove, nor correct any information where XXXX and XXXX has. 
Im requesting this derogatory remark be removed or correctly immediately as its affecting my chances of getting housing. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

XXXX I checked my score because I was up XXXX and noticed that it had dropped XXXX points down and could understand why when none of my accounts were in the red or disputed. They were all in good standing. Nobody could answer my question alk they told me to do was contact the merchant. I couldnt dispute the allegations because Im still paying on the card so I had to just accept my score going down and thats not right to me.
Product: Checking or savings account

navy federal illegally went into my account transfered money to my overdue loan which i always pay before 30 days overdue im going through a rough time so i only had XXXX they took XXXX and im left with XXXX to stArt my XXXX XXXX XXXX XXXX How dare they transfer anything from me without me setting it up like that u cant go into no one account and transfer money to urself when u feel like it i want them sued
Product: Credit reporting or other personal consumer reports

XXXX closed my credit card after 90days of missed payments then proceeded to continue to charge the credit card interest and fees for 6 months after closure. My limit on the card was {$7500.00} which had not been exceeded before the company closed the account. After closing the account, an additional {$3000.00} dollars in interest and fees was applied to the outstanding balance and reported to the credit bureau as the amount owed. They also reported this amount on my spouses credit report when her name is not included on the account. I am going to seek legal action against XXXX XXXXXXXX as after calling them multiple times, the customer service folks laughed in my face.
Product: Debt collection

Portfolio Recovery engages in fraudulent misleading abusive harassment; I do not owe them any money yet they call and call again from different telephone numbers. Their henchmen mislead, outright lie, strongarm, threaten, and otherwise act like idiot mobsters. I am engaging an attorney and will make them rue the day they began lying to me. Oh and I no longer answer ANY phone calls from unknown numbers as I have been traumatized and abused by these crooks.
Product: Credit reporting or other personal consumer reports

Experian only has one credit card listed for me. I am XXXX XXXX XXXX. I have many auto and home loans as well as many credit cards. When I try to get a car loan they say I have NO CREDIT. When you look at XXXX and XXXX they have all my account info. I can not find any way to contact Experian to correct this issue.
Product: Debt collection

On XX/XX/22, I sent a formal cease and desist letter to stop all communication from National Collection Systems , inc, which was delivered on XX/XX/22. Immediately after the receipt of this letter, National Collection Systems , inc. contacted me via email in an attempt to collect debt they allege I owe. This agency has repeatedly contacted me, asking for my social security number or mailing address and harassed me while at work. Their communication has interfered with my day to day life.
Product: Mortgage

In XX/XX/2020 we entered into an agreement with Freedom Mortgage to refinance our home utilizing an IRRL. From the onset, we discovered that the loan estimate was incorrect, as it included collection of property taxes, when we were not subject to property taxes, due to exemption for XXXX XXXX VA XXXX. We asked to have it fixed, it was never fixed. 
We were contacted over a period of weeks reference the errors, by underwriting and we provided all the necessary documents and presumed the issue was resolved. We were contacted in early XXXX to set a closing date, XXXX XX/XX/XXXX. At that time we expressed the need to have final disclosure documents. We were assured we would receive them, so we set a closing date, but did not receive final disclosure documents. 
The night before our scheduled closing we were contacted by the notary and we cancelled closing, based on the fact that we had not received final closing disclosure documents. I placed a call to Freedom Mortgage and was referred to an Escalation Specialist, XXXX XXXX who took our concerns and agreed to have the errors fixed. She asked for a week, and a week turned into months ; no action was taken. 
In late XX/XX/XXXX, XXXX XXXX, the loan originator reached out to us and said he had received news that we wished to withdraw our loan application. We expressed to him that we had not, and explained we were waiting on Freedom Mortgage to fix the errors we had described. 
On XXXX XX/XX/XXXX we received notification our loan was approved and that we should schedule closing. Therefore we called to schedule closing. We expressed to the agent that by law we should receive the final disclosure documents no later than 3 business days before closing. We were told by the agent, that it was not by law, it was by request and we needed to request those documents if we wanted them. We made an appointment for closing on XXXX XX/XX/XXXX. Later, we were transferred to XXXX XXXX and placed our request for the final disclosures. She assured us, that we should receive final disclosures by XXXX XX/XX/XXXX and she agreed to call us on XXXX XX/XX/XXXX to go over the disclosures. We did not receive disclosures or a call from Ms. XXXX. 
On XXXX XXXX we were contacted by the notary, to verify closing. We informed her, that we had not received final disclosures and that we would not be closing on XXXX XX/XX/XXXX, as scheduled. On XXXX XX/XX/XXXX, we sent an email to Freedom Mortgage withdrawing our application to refinance our home loan with their business.
Product: Credit card or prepaid card

Since XXXX of XXXX I have been disputing the " app '' with Upgrade. It has been showing a delinquent amount from XXXX to now {$270.00}. XX/XX/XXXX I had applied for a hardship due to XXXX. In which I was told that I was approved and would have to make the monthly payments in the amount of {$120.00} starting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. In which any past due amounts would be added to the end of the loan cycle and processed to the end of the loan. In XXXX my payment of {$400.00} was going to resume. In XXXX I logged onto the app and noticed the amount was still incorrect. I called and spoke with an Unidentified agent that stated " oh the person that did your application did not update the aged report, it will take 1-4 business days. Again I called today and I was told that " oh you are still delinquent from XXXX, I advised there is a payment in the amount of {$400.00} that was withdrawn from my account XX/XX/XXXX ( payment was made via the app on XX/XX/XXXX after I was assured that the report would be " updated '' ). I was told there would be a " freeze '' on the card until I made the additional payment and would not be able to utilize my account until this was corrected. Every time I call upgrade I am told something different. Each rep has a different finding and policy. I am pretty sure I am not the only account holder that is facing this issue as I have been advised " oh ya the app is always going through glitches ''. I am requesting an investigation into this company for possible violations.
Product: Mortgage

Good morning I need your assistance please. Back 6 years ago my wife died, she was the only name on our home mortgage at that time. Since then the mortgage company was XXXX, they had somehow given it to NationStar Mortgage, now known as XXXX XXXX. I was the executor of estate, i had submitted all the documents required to NationStar a good year ago. Since then the home officially became mine, and again submitted all the documents I was asked for. Well earlier this year i went to refinance the home, I called NationStar and was not not pleased with the interest rate they offered me, so I went elsewhere, and XXXX became my new mortgage company. After all was done I received a check in the mail from NationStar check number XXXX for the amount of {$960.00}, the problem with that it was made out to the estate of deceased wife. i could n't deposit it, so on XXXX/XXXX/XXXX at approximately XXXX i called and spoke to XXXX XXXX who redirected me to XXXX in Arizona XXXX I told him, and said within XXXX business days I 'll get a new check. Cool, I thought. On XXXX I did receive a new check for {$110.00} check number XXXX. Now i 'm getting a little annoyed so I called on the XXXX of XXXX and spoke to XXXX in Texas, who at that time said I would now need to prove I 'm the one paying the mortgage, and would have to mail in at least 1 years worth of bank statements. Guess they forgot I have done that months prior, and they take it directly out of my bank account, which she refused to look into. So! any help will be appreciated, wspecially if there is any penalty that can be included, besides the website, and social media I 'll be posting this too. 

Thank you in advance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX NationStar Mortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX LOAD NUMBER XXXX - LATE WIFES NAME XXXX XXXX. 
POLICY NUMBER XXXX
Product: Debt collection

XXXX  is working through True Accord to collect a debt, they claim amounts to {$610.00}.

I did previously have an account there from XX/XX/XXXX-XX/XX/XXXX.

I have previous statements from that time.

I spoke with local bank tellers multiple times.

The bank did refund some overdraft fees at first.

Then they would not allow me to close the account.

My paypal account was ACH linked, and continued to post ACH withdrawals when there was no money in the account. Resulting in more than {$1100.00} in overdraft fees that year.

The {$610.00} they claim I owe them, was paid in overdraft fees via direct deposit that year, until I eventually switched banks and changed my direct deposit to that account.

I believe the amount I owe is around {$120.00}. I am will to pay this amount, I am not willing to overpay once again in absurd amounts of overdraft fees.
Product: Checking or savings account

I contacted chime to dispute unauthorized charges. There are 3 separate disputes as they said to call them when pending charges cleared because they cant dispute pending charges. Within less than 24 hours one dispute was closed and denied. Within 3 days the other 2 disputes were closed and denied. I did not make these transactions but they keep saying that no error was found in their system. The transactions total over {$10000.00}. They have made it so I cant reopen one claim due to disputing it more than twice. I am caught in a loop and they will not return the funds that I did not authorize.
Product: Debt collection

XXXX XXXX : Debt Collection- Attempting to collect without a required license I went on XXXX consumer and came upon this debt collection agency that is attempting to collect a debt in Texas without being properly licensed, which violates state laws. I am requesting that the CFPB investigate their unlawful collection practice and take appropriate action. The agency has failed to provide proof of licensing or proper validation of the debt upon request.
Product: Student loan

In XX/XX/XXXX I consolidated XXXX XXXX total amount should have been {$14000.00} & XXXX XXXX - total amount should have been {$9100.00}. the amount are incorrect. Loans were return back to the loan servicer from the school. which for some reason it is still showing I own the amount tht was return. I have been trying to resolve this issue with no help from fed loan. I have filed some many complaints. And the amounts are showing on my credit report. I have reviewed, my student data report shows the loans amount that was return. but fed state they have no record of it. 

I have a XXXX XXXX XXXX for XXXX but my credit report shows {$12000.00} XXXX return {$290.00} back to the loan servicer on XX/XX/XXXX.
Product: Mortgage

Ocwen 's letter dated XXXX XXXX, XXXX CFPB case # XXXX responded that they acquired the loan from XXXX XXXX/XXXX/XXXX and that loan originated XXXX/XXXX/XXXX by The XXXX XXXX XXXX. Ocwen further stated that they had mailed 'on numerous occasions ' copies of the stock certificate '. They also stated that original documents were kept by the owner of the loan or trustee for the owner of the loan and that Ocwen did not have the original documents. 
Ocwen in the same letter attached a copy of a pooling and servicing agreement between XXXX XXXX and XXXX XXXX XXXX XXXX listing XXXX XXXX as the investor. 
However, in his latest response, they are now stating that they are issuing an affidavit of Lost stock and lease (? ) How is that possible if they were saying that all they had were copies and original documents were with the owner of the loan (? ) investor?? 
The pooling agreement Ocwen mentioned in his letter above, was never part of his files. Records obtained from Ocwen which included over XXXX pages of documents included no such agreement. Instead, copies of XXXX affidavit of note lost was included which had been transferred to Ocwen as part of the servicing transfer. Multiple associates established the same conclusion. Also, how is that Ocwen produces a pooling agreement between XXXX XXXX and XXXX XXXX XXXX Bank when neither one of them had been part of the Co-Op conversion nor, again, of their files?. Furthermore, Ocwen first refers XXXX XXXX as the property management and then as the investor. Investors, as far as I have been informed DO NOT get the original loan documents,,, the loan owner gets it and the banks are required to keep them in custody. 
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax Mortgage Service made an inquiry into my credit score when the loan which I had applied for had already been funded. I did not authorize this inquiry and as several inquiries had been made related to the same application for credit there is no reason that my credit score should be adversely impacted by these inquiries. 

On XX/XX/XXXX Equifax Mortgage Service made yet another unauthorized inquiry into my credit without my permission and about three months after my loan had already been funded. 

Each of these inquires adversely impacted my credit score and I would like to have the inquires removed from my credit report.
Product: Mortgage

Bank of America continues increasing our payment which does not match our mortgage agreement. I attempt to speak with a rep who stated they can do what they want to do. I requested to speak with a supervisor but he refused and began raising his voice. 

Out of retaliation, the company added late fees to our loan. Late fees have not been on our statements since we file for bankruptcy in XXXX. Also, there is not XX/XX/XXXX statement on our account to review.
Product: Credit card or prepaid card

On XX/XX/2019, I received an email from XXXX stating that my store credit account has been closed at my request. I called XXXX the same day and asked for an explanation since I never requested to have my account closed. They told me that someone called XXXX and was trying to get into my account however they were not able to provide the social security number. The person that called was not able to verify the social security, but XXXX still changed the mailing address at this unauthorized persons request, they also changed the account PIN, and they closed my account at this persons request! XXXX employees acted in negligence and did not comply with security measures by allowing an authorized person who was not able to verify himself, to change my mailing address and account security information. 
XXXX says they can not reopen the same account because it is already closed, they offered to open a brand new account but that is not what I want.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX XXXX in regards to a late payment reported on my credit i have not gotten remedy 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.
Product: Credit card or prepaid card

I received a letter from BBVA on XX/XX/2021. The letter states the following. " Reducing the overall credit limit of your account to {$2400.00}. If your new limit is {$0.00}, we also are closing your account, and future transactions will not be honored. '' Reason giving is " Delinquent Credit obligations. '' My XXXX credit report does not show any delinquent credit obligations that they were not aware of ; I have two late payments on my credit report when they issued to card to me with a 10,000 credit limit. The most recent one is one year and seven months. I feel that something is going on since XXXX XXXX bought BBVA, and they are trying to clean the house before taking full control. I think that this move was unjustified. This action does hurt my credit profile, it puts me in a higher credit usage.