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

This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an issue that has significantly impacted my ability to secure housing. I am a single mother currently facing homelessness, and I recently applied to XXXX XXXX XXXX  for housing. However, my application was denied due to inaccurate information reported by XXXX. 

Upon reviewing my application, I discovered that XXXX had reported a past due landlord balance of {$340.00}, which was the sole reason for my application being declined. However, upon further investigation, I learned that this reported balance was not related to any landlord debt but, in fact, was an unpaid auto insurance policy that had been mistakenly reported as a landlord balance. 

In an effort to resolve this issue, I contacted XXXX on XX/XX/year> at XXXX ( est ) and spoke with an agent named XXXX XXXX During our conversation, I informed her of the discrepancy and requested that the reporting be corrected. XXXX acknowledged the error and advised me to hold while she looked into the matter. After reviewing the information, XXXX confirmed that the reported balance was indeed not related to a landlord, and the error was identified. 

This misinformation has caused undue distress, especially considering my current circumstances as a single mother without stable housing. The denial of my rental application based on an incorrect report has further exacerbated my situation. I request that XXXX immediately update its records to reflect the correct information and that any negative impact caused by this error be rectified. 

The agent then informed me that the process may possibly take between 24-48 hours to correct however, I would have to contact XXXX XXXX XXXX and re-apply causing me to have to pay another non-refundable {$60.00} application fee and another non-refundable {$200.00} administrative fee.
Product: Mortgage

I have a {$100000.00} mortgage with Nationstar Mortgage for a condo that I purchased in XXXX. In XXXX XXXX, Nationstar added a force placed insurance policy to my account in the sum of over {$20000.00} raising my payment from {$640.00} per month to {$3000.00} per month. I am fully insured, and there was no reason for Nationstar to add this insurance policy to my account, and absolutely no reason to add such an expensive policy - I could insure the entire subdivision for {$20000.00} per year. I have contacted Nationstar by telephone on three separate days, and have spoken to numerous customer service representatives, all of whom have failed to assist me, and all of whom have refused to transfer my call to a supervisor. I have faxed and emailed the XXXX pages from my personal homeowners insurance policy, and my HOA 's insurance policy to provide proof of insurance. Still, I can not get Nationstar to change the insurance information on my account. Nationstar has not applied the funds I sent for my XXXX payment, and has those funds in suspense because the records state that I did not make a full payment of {$3000.00}, but made my regular payment of {$640.00}. I am now facing having a negative report sent to the credit bureaus as my account is past due. I do not know how to get this issue resolved.
Product: Debt collection

XX/XX/XXXX keep pressureing me over the phone telling me this is my bill that I have no idea, totally out of states, I have not been to the city in when this collection was charged. 
they do not have my correct address sending bill to the wrong address and the letter was sent it back to the collection, never seen this bill and ilegally not verifly this is my account I kept reposonding to the company but they won't take it down and I demand the credit report companies to take it down asap. 
Equilfax and XXXX need to take it down. 

responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response XXXX XXXX- This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX XXXX was founded in XXXX, XXXX and for the past 22 years has strived to provide a fair, ethical and compliant debt collection program. Our mission is to perform our services within the strict guidelines of State and Federal laws and regulations that govern the debt collection industry. I have carefully reviewed the account history that we maintain in the ordinary course of our business and submit the following response : The account in question was referred to our office for collection in XX/XX/XXXX. Since the date of referral, in accordance with certain regulations set forth by the CFPB Regulation F and other State and Federals laws, we forwarded our initial communication to you, in an attempt to resolve this account. This communication was sent to the same point of contact you set forth in this complaint and it was not returned as undeliverable. This is the 1st communication we have received from you. In light of your dispute and request for validation of this account, we have suspended collection activity. Documents that validate this account will be emailed to you shortly. Please contact us once you have had an opportunity to review this material. In the interim, we will instruct the credit reporting agencies to delete our update pertaining to this account. Kindly contact me directly if I can provide further assistance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Managing Member/General Counsel XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have the responsibility to report Consumer information to the best of their ability and with Maximum Accuracy. I have never been late on payments on the account : XXXX XXXX ACCOUNT NUMBER XXXX. Please investigate and provide bank account statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated on a timely basis as they should be as I have NEVER been late. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

On XX/XX/2019 I received notification from a company stating that they were collecting on behalf of XXXX XXXX. I called and spoke with a representative and I advised that the only thing that is owed to XXXX  would be the equipment and explained that I never received any notification that there was a bill due or that they were sending it to collections. Representative told me that I needed to return the equipment which I did. I called back to see what amount they are claiming was owed now, since I never received an updated notice and they advised me that there were early termination fees and service fees, and a collection fee. I advised once again that I was never notified that there was a balance due and that I was disputing the balance. The representative told me that they were going to report my account to my credit, no matter what.
Product: Mortgage

I have a mortgage with Nationstar Mortgage. In XXXX, 2015, made a payment which it was interest only. Today, when I was about to make the XXXX payment I realized that the funds were not applied, I presume because my plan changed to regular amortization. 
My complain is that I was not advised of the change during the last 60 days so I could refinance ; they do not send me any document in writing by mail, and by e-mail I was not warned to. I need to refinance my XXXX and XXXX mortgage that has been impossible since my mortgage is not owned by XXXX or XXXX XXXX, so it will be a no ending struggle with this company?
Product: Debt collection

I received a letter XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX at XXXX. It was a notice of intent to file civil lawsuit. Then someone shows up at my house looking for me to serve me paperwork for a lawsuit filed in court before my 30 days. They're trying to grab more fees and attorney fees as well. The company Portfolio Recovery Associates E-File Payment on XX/XX/2019 for {$46.00}. Granted they wrote this letter on the XXXX of XXXX and it does take at least one to two days to get to my house. This is crazy no one has enough time to respond.
Product: Credit reporting or other personal consumer reports

Problem Description : The account identified as XXXX XXXX appears with a status of " charge canceled '' and negatively impacts my credit score.

Lack of Knowledge of the Account : I do not recognize this account, and no supporting validation or documentation has been provided. I request an investigation to confirm its authenticity or its removal if it can not be verified.
Product: Credit reporting or other personal consumer reports

Dear TransUnionXXXX or XXXX This is Information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I Am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified transactions. The identified transactions are not information related to any transaction made by me as the consumer : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Transunion : XXXX, XXXX : XXXX, XXXX : XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Transunion : XXXX, XXXX : XXXX, XXXX : XXXX XX/XX/XXXX {$110.00}
Product: Credit card or prepaid card

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.
Product: Mortgage

I purchased a home ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) at the XXXX XXXX foreclosure auction on XX/XX/XXXX. After over a year of being the owner on title and never being contacted by XXXX XXXX XXXX or Selene Finance I went to sell the property ( XX/XX/XXXX ). I was told there was a first mortgage with XXXX XXXX XXXX that would need to be satisfied. XXXX  XXXX XXXX told me they sold the loan to Selene finance. I have been calling and emailing Selene finance for months trying to get payoff info but Selene has told me that they have no foreclosure department for me to talk to and no available managers to help. They take my name and number and tell me I will hear from a supervisor within 48 hours. I have been calling three times a week for two months and have not heard back. Meanwhile they posted two separate notices on my property stating they while be re keying and boarding up the property. My buyers title company has tried many times to contact Selene with no luck. I hired an attorney and he is trying to get the mortgage payoff, but has been met with the same silence from Selene finance.Also they allowed the former owner to collect surplus funds from the foreclosure auction that should have been used to pay down this first mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
AXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Good Day, On XX/XX/XXXX I initiated an international wire transfer through Navy Federal. The representative who I spoke with incorrectly used the incorrect SWIFT code, a P was added to the code which has since caused undue hardship on my family. The funds should have been delivered on XX/XX/XXXX latest and as of to date no one seems to know where these funds are.

I have repeatedly contacted Navy Federal on the following dates XXXX and today XX/XX/XXXX. No one can give me a valid response other than they are waiting on the receiving bank to respond to their request and return the funds. However, in the meantime I am out of {$6000.00} through no fault of my own. 

On XX/XX/XXXX I received an e-mail from Navy Federal returning the {$25.00} fee that was charged to me for the wire transfer advising me that they are still researching the lost funds. Please keep in mind this is not my error but the error of Navy Federal in sending the funds to the incorrect SWIFT code. For me to be held responsible for their error seems unfair and not ethical. If one of my employees makes an error on an account I am held liable and must make it right for the customer. The loss of {$6000.00} has now placed an undue hardship on my family as my husband is unable to purchase the equipment he needs to complete his job.

I know banks are federally insured and that I have 180 days to dispute my concerns. Again, I do not think it is fair that I am held responsible for something that is not my fault and that is why I am writing to you with my concern in the hopes for a resolution to this problem.

I believe I have given Navy Federal ample time to resolve this matter due to their negligence. It does not matter to me how they resolve issues between banks I just need these funds return to my account. 

Thank you for your time XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I graduated from school in XX/XX/XXXX and began payments on my loans with Sallie mae that turned into Navient. There were times I had trouble paying my loans and I had to try different payment options of forbearance. I have since re consolidated my loans with XXXX however my complaint is SallieMae/Navient never gave me the option to refinace my loan so I could possibly get loan forgiveness in the future. I am a XXXX  and paid on that loan for 13 years with my balance always going up and never down. After looking at my paperwork I realize they added some XXXX dollars shortly after I graduated calling it an " adjustment ''. I do not even know what this is. I started with a balance in XXXX of XXXX and ended with a balance of XXXX. Mind you paying on it the entire time. If they told me my options I could have refinanced to a loan that allowed me to apply for forgiveness after paying on it for 10 years since I am a XXXX that works in a XXXX XXXX. Since moving my loan to XXXX in XX/XX/XXXX I have paid more in 3 years then I ever paid in 13 years with SallieMae/Navient. This is bad business and I feel like something shady had happened. I shouldn't be graduated from school for 16 years still paying on a large student loan debt. And now finally making a dent in my debt with another lender.
Product: Student loan

I applied for the PSLF relief in XXXX and was told I would have an answer in 10 days. I went back to check and no change for months. Suddenly after XXXX it said application canceled due to duplicate. There was no duplicate info. When I call I get different answers. I dont understand why this has taken 7 months and we have gotten no where and the customer service reps cant give me consistent information. All forms have been submitted correctly and then they just deleted my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i was alerted that someone pulled my credit report from XXXX  for transunion and XXXX... ..i have not given anyone permission to do so
Product: Money transfer, virtual currency, or money service

XXXX XXXX {$100.00} XXXX XXXX {$100.00} XXXX XXXX {$100.00} XXXX. XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Capital One and XXXX is reporting incorrect information on payment history I have made numerous complaints sent out letters. No one has responded for XXXX months.
Product: Checking or savings account

People 's United Bank holds my savings account. Since opening the account they have consistently withdrawn excessive transaction fees for being over 6 withdrawals. Upon further research I found that the Federal Regulation D that mandates how many transactions can be performed monthly had been lifted in XXXX of 2020. Thus, the regulation that these charges are based on is obsolete therefore making this fraudulent charges. I requested that the total of these fees, in the amount of {$430.00} be returned t my account. I was hung up on 2 times by corporate and was finally able to speak to someone in my local branch who informed me that per Regulation D these charges were valid. Again, I stated that regulation D was lifted in XXXX and although they have the right to collect the fee they can not base it on the regulation alone as it no longer is valid. I informed her that if the money that was taken from my account was not returned I would lodge a complaint. She said she understood.
Product: Checking or savings account

I made transactions on XXXX XXXX, XXXX, and XXXX. I had a bill pay that was due XX/XX/21 that would have been processed on XXXX business. Tuesday I logged on and saw the XXXX posted first followed by the bill coming out, resulting in XXXX overdraft fee. I was fine with this. I was due to receive a deposit on XXXX. XXXX  I logged into check the deposit status and saw that not XXXX but XXXX overdraft fees had been posted and that the bank had switched things around to post the bill first and the smaller XXXX transactions after, generating XXXX additional fees. I contacted them and they refused to rebate the fees as a courtesy and claimed this was in compliance with their policies but provided no proof of why they posting order had changed over night. Ive had similar issues in the past. I asked to escalate my complaint and receive a call before end of day and they claimed they could not let me know when someone higher up would review my case and return my call. I informed them I would be filing complaints with regulatory agencies as I believed they were manipulating the way the transactions are posted in order to receive more fees.
Product: Debt collection

Today ( XX/XX/XXXX ) I placed my fourth call to Franklin Collection Services. Previously I contacted XXXX XXXX XXXX to dispute this derogatory information. XXXX XXXX XXXX tells me that I have to deal directly with Franklin Collection as they have taken over my account. The account being an XXXX account in the amount of {$490.00}. On four separate occasions I have called Franklin Collection and each time the representatives that I have spoken to have been EXTREMELY rude, especially XXXX XXXX ( XX/XX/XXXX ). I was able to determine that the address they have for me on file is not mine. I have sent in a lease agreement and also a police report to confirm that the information they have is not me and is a result of identity theft ( XX/XX/XXXX ). They do not care and instead of being receptive to the information that I sent and finding common ground I am meant with hostility, sarcasm, accused of doctoring a police report, etc. I am not willing to pay for a debt that I do not owe. I have been diligently working on my credit in hopes to purchase a home. I have had credit issues in the past and have to pony up the money the money to pay collections, and get my accounts into good standing. I have no problem doing this, but only accounts that are mine where I have incurred the debt. 
When I spoke to the representative XXXX today she told me to " hold on tight because they have 60-90 business days to investigate ''. This has to be illegal. I will fight this tooth and nail.This is not my account. Franklin Collection is unwilling to discuss professionally and instead resorts to rude snarky and threatening dialogue. I mentioned to XXXX XXXX that I was trying to purchase a home and she said with collection amount like this it is unlikely I will get a house. Who are these people? I will not be bullied or talked to like this, finding out that an unauthorized account was opened in my name is hurtful enough.I will not continue to be victimized
Product: Debt collection

Hello. About 2 years ago I took out a payday loan. They sent me to collections and it went to ; CENTRAL PORTFOLIO CONTROL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ) XXXX We settled for less the amount due on XX/XX/XXXX. And I was to make 2 payments of XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I paid them off and they have yet to send me proof that is paid. I have tried calling them and they keep sending letter in mail but it never gets there. They also still have a balance like I havent paid off the collection. And on top of that they havent removed the lien from my vehicle. I dont know what to do anymore I have already paid them. 

They keep giving me the run around and the lien hasnt been removed from my vehicle I have attached below the balance that I owe and what I have paid already. Even tho it was settle for less than amount due.
Product: Debt collection

Hey I want to get Caine & Weiner collection removed from my credit. Was not authorized by me so I sent papers in to them asking them to move collection still havent removed the collection for me.
Product: Credit reporting or other personal consumer reports

i did not authorize this transaction i did not apply for any credit card my identity was stolen and Experian credit breach that my identity was compromised and i was a victim of fraud car loans i did not open credit cards i never received I've disputed these charges several time with no results i want this completely of my credit report