23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX way XXXX, MA XXXX LVnV Funding LLC XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX To whom it XXXX concern, I have recently pulled my credit report and notice their is a collection listing from your agency i have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and you ability to collect this money from me. I ask that you prove that I am indeed the party who is a contractually bound to pay off this debit or stop collection activity, and remove all together. 

Please attach the copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
complete payment history on this account, to prove that amount you wish to collect is correct. 
I hope your legal staff that noncompliance with this request will result in legal trouble for your company sincerely, XXXX XXXX
Product: Student loan

I continue to get the runaround on XXXX from Mohela. Mohela and I agree that my last XXXX  was processed in XX/XX/2022, putting me over the XXXX required payments to qualify. We also agree that my account has reflected the correct XXXX payments since XXXX. However, Mohela reports that they have not sent my account for discharge under XXXX. When I ask why or when they will, they say they do not know. So we agree all requirements have been met and all paperwork is complete, but they have refused to even begin processing the discharge for months and claim it will take another XXXX business days after they " start the process. '' There is absolutely no reason to not process my completed PSLF but they can't tell me why they haven't.
Product: Debt collection

This all started about 3 years ago.I ordered phones from XXXX  and mailed them right back.I do not owe anything because the phones were returned right away and not opened as per our agreement. I have contacted XXXX numerous times and the companies that it has been transferred to I think it was two times. 
The amount owed shows {$1200.00}.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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  Under the provisions of the Fair Credit Reporting Act XXXX specifically 15 USC 1681 section 602 a, it is unequivocally stated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy.

As the consumer in question, I am asserting my right to ensure that my private information remains confidential, as reinforced by 15 USC 6801, which declares that financial institutions have a continuous obligation to respect customer privacy.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report under specific circumstances, one of which is in accordance with the written instructions of the consumer. It is imperative to note that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, Experian, lack my consent and certainly do not possess my written consent to furnish this information. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how they can exercise the nondisclosure option. The ( Furnisher of information to credit agencies ) failed to inform me of my right to exercise this option, thereby violating the law.

The reporting of adverse information without my permission is also a breach of 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years. XXXX and Experian are in violation of this provision. 
Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A asserts that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX XXXX and Experian are falling short of maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, which requires consumer reporting agencies to have procedures designed to avoid violations and limit the furnishing of consumer reports to specific purposes.
Product: Student loan

Started getting bills for a student loan this year. It is in my husbands name and he has NEVER had a federal student loan. Mohela is the name of billing envelopes. They are in MO. Have never been there. Disputed on credit reports and Mohela states it is accurate. Completely false information. 

Completely inaccurate. 

What do we do now? Have put credit freeze with the credit companies and disputed them.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Need to file against 2 companies for incorrect information on credit report XXXX XXXX, To date they have not report the account paid in full which was done of XX/XX/2022. 2. I have a letter stating they closed the account and was going to reported it closed and turn over as a collection account. I spoke to them and ask that they change it by disputing it with them and they said it would take 30 days back on XX/XX/2022 still not correct or showing paid in full as of XX/XX/2022 Second company is Synchrony XXXX  XXXX card for XXXX XXXX XXXXXXXX XXXX XXXX  : I have several message back and forth with them wanting to know why they closed by account and reported it to the credit reports. This account was also paid in full on XX/XX/2022. They are telling me that prior to payoff amount that they had a return check from XXXX XXXX XXXX so that's why they closed my account. I have asked for proof and they will not supply it and won't dispute the account and correct it as they were asked.
Product: Mortgage

When our mortgage got transferred to Mr. Cooper, they did not transfer our insurance documents. They failed to notice that this information was missing from our account for an entire year. They sent us a letter stating that our coverage was delinquent which was false, and to update our home insurance information. In accordance with the instruction provided we uploaded our policy to mycoverage.com/mrcooper and received notice that our policy was up to date. Mr. Cooper, without informing us, then purchased a duplicate policy from the policy we updated paying for this out of our escrow. We are now effectively paying twice for the same policy. In an attempt to address this issue we spent hours in cyclical IVR questions before finally being able to talk to a human. The individual said it was XXXX, our insurance company, who had REQUESTED that our insurance be paid through escrow. When, speaking with out XXXX agent, they explained this was false, they had no direct communication with Mr. Cooper, there was no need to pay through escrow, and that Mr. Cooper had failed to add themselves to the policy when the mortgage transitioned from Nationstar. Now, after again hours and multiple attempts to reach a representative, we have not been able to speak with/contact a human being, leaving us currently paying twice for an insurance policy we bought independently. 

This issue is ongoing as we have not been able to talk to anyone.
Product: Mortgage

On XX/XX/XXXX our payment was sent to Fay Servicing LLC thru auto pay by our financial institution for the XXXX payment and per phone call on XX/XX/XXXX this payment had not been applied to our account. Per statement received on XX/XX/XXXX the payment was still not applied and showing an amount due for XX/XX/XXXX of XXXX with no explanation due as to why the increase. Per phone call to Fay Servicing today XX/XX/XXXX I was told the extra XXXX was the daily accrued interest was added because my XXXX payment was not applied until XX/XX/XXXX even though the payment was in their possession on XX/XX/XXXX. On XX/XX/XXXX I went into their website and paid the XXXX what I thought was a short amount of payment thinking new payment amount was going to be XXXX so I believe I am entitled to a refund of the XXXX as the payment not applied for XXXX was their fault not mine as they have not applied my payment as they have had it. The lady I was talking to was hard to understand and she hung up on me. This is 2 months in a row they have been screwing me over and is unacceptable as my interest rate has not changed since they have had my account since XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly denied my countless attempts to open a dispute against XXXX XXXX XXXX inaccurate reporting of 14 accounts on my credit report. I believe that I am being subjected to racist policies by Experian. The accounts " dates of service '' are greater than seven years old and should be deleted. XXXX XXXX XXXX violated FDCPA and Texas Statute SB 1264. 1. After multiple request going back to XXXX, XXXX XXXX has refused to verify the debt. 2. XXXX XXXX did not advise me of my right to dispute the validity of the debt. 3. XXXX  and XXXX  already found the reporting to be erroneous and from eight years ago. 4. This reporting is in violation of Senate Bill 1264 Texas, XX/XX/XXXXXXXX XXXX who XXXX XXXX XXXX is collecting on behalf of received payment from XXXX XX/XX/XXXX in XXXX of XXXX - XXXX of XXXX. They received payment from XXXX of XXXX through Present XXXX for services rendered. Any other amounts were not disclosed to me. These are surprise bills. 5. I have NO Contract with XXXX XXXX XXXX. They are falsely reporting these 14 accounts as DEFAULTED Loans. These are fraudulent, falsified records. These are not Loans. Again XX/XX/XXXX XXXX XXXX received Payment in full. 
The record are listed below. 
* 1.XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$880.00} * 2. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$630.00} * 3. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$940.00} * 4. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$990.00} * 5. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$710.00} * 6. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$340.00} * 7. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$950.00} * 8. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$930.00} * 9. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$370.00} * 10. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} * 11. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} * 12. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} * 13. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$730.00} * 14.XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} Experian immediately cease all credit reporting of collections with XXXX XXXX XXXXThis is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX : {$9800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00}
Product: Debt collection

I was contact by Cedar Financial about a debt. Apparently I incurred a driving violation during a trip to XXXX in 2016. The XXXX XXXX tried to contact me via mail but were sending communication to the wrong address so I never received it. Eventually, the debt went into collection with Cedar Financial. 

They have provided documents to me displaying the debt but the amount shown is considerably different than the debt displayed. Cedar Financial has told me it is a " procedural fee '' but have not shown written verification of the total amount they are asking to be paid. I'm willing to pay the debt that is displayed, but unwilling to send them nearly double that amount without any evidence I actually owe that amount.
Product: Vehicle loan or lease

XXXX 2016 Santander Consumers gave me a loan for {$20000.00} to purchase a vehicle. The car ended up becoming repossessed 6 months later due to my job & not making enough to pay a {$500.00} a month car note. I later found out they lost a class action law suit against them because they were targeting individuals that they knew could not afford these auto loans they were given them. I have reached out to them several times regarding this to have this repossession removed from my credit also it still shows I have a balance left to pay on my credit as well as wrong payment dates and amounts. With the class action law suit they lost they are supposed to remover these repossession from credit reports. I have reached out to Santander about this in written and they told me they would not remove this. The dates and payments amounts are incorrect also it states I still owe a balance. I know this is violating my rights. Also it has been over over 7 years Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : PXXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern Youre in violation of 15 usc 1692D 15 usc 1681A FCRA SECTION 622 Section 624 Section 623 THIS IS EXPERIAN LAST AND FINAL WARNING THIS ACCOUNT WAS PAID IN FULL AND XXXX XXXX AGREE TO DELETE ACCOUNT FROM MY REPORT ONCE I FILE A LAWSUIT FOR MY CLIENT YOU WILL HAVE NO CHOICE BUT TO PAY XXXX $ for violation am writing in regard to the above referenced accounts and transactions.This vehicle was repossessed by XXXX XXXX in the State of Florida on or abou and resold on or about XXXX XXXXUnder the laws of the State of FLORIDA. UCC ( 1-308, you will need to look this up ) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, THIS ACCOUNT ONLY REPORTING ON EXPERIAN AND OTHER CREDIT BUREAU DID REMOVE. Your job is to make sure credit report is accurate but clearly none of y'all doing proper investigation. UNDER all available State and Federal statutes and UCC 9 remedies. 
SEEKING XXXX in remedies and DELETE THIS ACCOUNT FROM MY CLIENT REPORT Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed through XXXX and could not get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized account opened in my name. I've tried disputing this information with no luck from Navy Federal Credit Union. I completed all of the necessary steps in order to have this information blocked from my credit report and have my credit reporting statutes enforced. All of this information was submitted to Navy Federal and they refused to block the information. I called Navy Federal in XX/XX/2020 with an XXXX representative asking what do I need to do to resolve this issue. They stated I could pay the balance off in order to have the negative information removed. I paid Navy Federal the entire balance due. Once the balance was paid I called back a week later inquiring the status of this information being blocked. Navy Federal stated they could not remove this unauthorized account because it shows a payment made on the account. The payment was made on my part because I followed their instructions in order to have this resolved. 

My score has dropped nearly 100 points due to this issue. It has caused me a great deal of stress while currently XXXX. Please assist me with having this account removed from my credit profile.
Product: Credit card

On XXXX I called Citi to learn what their excuse was for my card arriving as i have called multiple times to tell them to add a unit number. I was meet with statements such as, " You need to contact the XXXX and figure out why your mail isnt being forwarded. They REFUSED to add my unit number. Now on XXXX I called to get the same situation with my partners credit card. They put a temporary hold on my account because i wouldn't " verify '' my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX account # 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
Product: Debt collection

I sent several letters disputing the bill placed on my credit, I ask for proof of my signature but all I was sent was a copy of a bill that wasnt my mind.
Product: Debt collection

On or about XX/XX/XXXX, I incurred a debt with Care Credit owned by GE Captial Retail Bank. I received my last billing notice about XX/XX/XXXX. I made no further payments. GE Cptial Retail Bank SOLD my debt to XXXX XXXX XXXX, XXXX. The Florida Statute of limitations ran XX/XX/XXXX, I was absolved from this debt according to law. Between XX/XX/XXXX and XX/XX/XXXX, I corrected my credit issues and purchased a home with a mortgage. There were no collections on my credit report at this time. By approximately XX/XX/XXXX, XXXX XXXX   XXXX., XXXX, contacted me in an attempt to recover this debt. I filed a complaint with both Credit Bureaus. I was informed that this debt was on my credit report since XXXX, which is clearly incorrect. I have attempted to work with XXXX XXXX, without avail. This blemish needs to be removed from my credit history immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 

I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via certified letters and by following their disputing process online as well. 

Experian has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated. 

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian is refusing to delete this information from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was alerted on XX/XX/year> that a fraudulent application was submitted on XX/XX/year> for a XXXX XXXX credit account. XXXX XXXXXXXX XXXX alerted XXXX ( Experian ) on XX/XX/year> this was a fraudulent application but XXXX ( Experian ) didnt remove the hard inquiry from my credit report.
Product: Mortgage

I have been referred back to CFPB by the Controller of Currency ( OCC ) letter dated XX/XX/2022. This letter addressed referenced Issues under federal consumer financial laws, as in my case, the Real Estate Settlement Procedures Act ( RESPA ), am implemented by Regulation X, as C, F.R.1024. 

Upon close examination of the Hud 1 document which was Redacted and used as evident in the court case I noticed these inconsistencies : 1. The Loan number on this Hud 1 document has a loan number that is on the page is a loan number that my monthly payments has been made under doing the last over years I have been paying this " Refinance ''.

2. As I have mentioned that this same Hud 1 document which was Redacted and used as evident in the court is has my signature and is lacking any other legal and signatures of closing attorney XXXX XXXX or any other closing officials or any official stamp. 

3. I can not be sure that I even received this money at closing or after closing as I was unable to reach the closing at any time after that day. 

I intend to upload this Hud 1 document and also your response letter concerning this matter in a previous complaint and the letter from the OCC.
Product: Credit card

I applied for a capital one car through XXXX and was approved then I was asked to provide personal bank statements a utility bill and sent that in the same day. Then they closed my account stating fraud and I am not fraud therefore I am in their system as a red flag with accusatory remarks puts a blemish on my name. I feel like it's DISCRIMINATION!