23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the debtor is XXXX XXXX XXXX and they have 5 negative marks on my credit that were suppose to remove due to legal action taken by the CFPB back in XXXX XXXX, I have never signed any loan agreements with XXXX XXXX XXXX but it states that XXXX XXXX XXXX placed the negative marks on my credit. I am still getting calls from XXXX XXXX trying to collect on this debt. Please see the copy of the order : CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} XXXX and Stop Suing for Invalid or Unverified Debts XXXX XXXX, XXXX Share this Share on XXXX Share on Twitter Share on XXXX Share on email XXXX, D.C. The Consumer Financial Protection Bureau today took action against the XXXX XXXX XXXX XXXX XXXX and their debt collector, XXXX XXXX XXXX XXXX, for illegal student loan debt collection lawsuits. Consumers were sued for private student loan debt that the companies couldnt prove was owed or was too old to sue over. These lawsuits relied on the filing of false or misleading legal documents. The proposed judgment requires an independent audit of all XXXX student loans in the XXXX XXXX XXXX XXXX XXXX portfolio. It prohibits the XXXX XXXX XXXX XXXX XXXX, and any company they hire, from attempting to collect, reporting negative credit information, or filing lawsuits on any loan the audit shows is unverified or invalid. In addition, it requires the XXXX XXXX XXXX XXXX XXXX to pay at least {$19.00} XXXX, which includes initial redress to harmed consumers, relinquished funds to the Treasury, and a civil money penalty. Under a separate consent order, XXXX XXXX XXXX XXXX is ordered to pay a {$2.00} XXXX civil money penalty. 

The XXXX XXXX XXXX XXXX XXXX and their debt collector sued consumers for student loans they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Were ordering them to pay at least {$21.00} XXXX, stopping them from filing illegal lawsuits, and requiring the trusts to thoroughly audit their loan portfolios to identify any other consumers who were harmed.
Product: Debt collection

I have been trying to reach out to the 3rd party debt collector XXXX XXXX XXXX ( On behalf of/debt purchased from Advance Financial LLC ) by mail so that a settlement resolution can be reached in writing. However XXXX XXXX XXXX has continued to call me over the phone where in my letter I expressed that I need to be reached via mail to a new address.
Product: Debt collection

I HAVE A FURNITURE ACCOUNT WITH CONNS AND THEY ARE CALLING REPEATLY ON MY CELL PHONE AT LEAST10 TIMES A DAY PLUS. THEY DONT WAIT 30 MINUTES IN BETWEEN THE CALLS. IT IS ANNOYING FOR THEM TO CALL THAT MANY TIMES IN AN HOUR. THIS IS A VERY STRESSFUL TIME IN MY LIFE WITH JUST STARTING A NEW JOB. MY PHONE WILL BE IN MY DESK AND EVEN ON VIBRATE YOU CAN STILL HEAR THE VIBRATION OF THE CALL.
Product: Checking or savings account

On XXXX XXXX I received a letter stating that there was a problem with money that was wired into my account. My accounts were frozen, both savings and checking. I have been receiving letters occasionally with new dates. I've tried to close my accounts because the last letter I got from the bank stated that they want to end the banking relationship. I've tried to contact the Fraud Department to move things along, but I keep getting the run-around.
Product: Mortgage

I am filing a complaint about my mortgage company. Unfortunately, it is Selene Finance. I have tried my hardest not to deal with this company one-on-one because their tactics are very suspicious. It is hard to get a representative on the phone. If you have questions or need any information, the representative can not provide details regarding anything about my specific account. In 2023, I applied through the Maryland HAF program to get approved for funds and have the state work on my behalf because this company is highly sketchy. I could not trust myself not to get taken advantage of. In XXXX and XXXX of 2023, funds from the program were released, and I was to make my regular scheduled payment of {$1400.00}. Since the funds have been paid, there would be no change in my regular payment or my interest rate. I continued to make payments every month. However, in the last 5 months, my payment has increased 3 times to an outrageous amount of {$1700.00}. Since XX/XX/XXXX, I have written several emails and made phone calls with no response from Selene. I can not get a direct answer from anyone in that company as to why my payment has increased to {$320.00} a month. Since I was approved by MHAF, I have paid every month ( on time ) by phone. Due to Selene 's lack of communication and dismissiveness, I chose to pay via phone every month to protect myself. 

They have left me no choice but to file a complaint, as my payment for XXXX is STILL at {$1700.00}. That is a huge increase. How can a company receiving state or federal funds change the terms of an agreement? This is emotional distress and torture because you can not get answers. I know for a fact I am not the only victim. Please investigate this company ; many have already lost their homes due to their sketchy practices. I do not want to be their next victim. I worked for the Federal Government for 29 years before retiring on XXXX. I am on a fixed income and do not want to be taken advantage of. 

Their address is Selene Finance XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have been checking my credit report because I want to buy a home soon, and I have seen that there is an account that has been opened for XXXX. Apparently some thing was purchased XX/XX/2019 for several furniture items that I never had purchased. It was purchased from a store called stop and shop, I have never been to that store, up until this past week to see if they could give me any information. They can not provide me with said information so I called the company and I was told to report it. Hopefully this can get resolved so the account can get removed from my credit for something that I did not purchase. My identity was stolen and somehow someone purchased all these things.
Product: Credit card

I've consistently made sure that payments on this account are made on time, ensuring they are never overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20. I spoke with 3 representatives at equifax to dispute a bankruptcy and multiple inquiries on my account which ones were from duplicate companies that I kept receiving notifications. I spoke with XXXX, whe told me that they were not allowed to give their employee ID I asked to speak to someone over her and then she notified she can get me over to another department to request a removal and then transferred me to XXXX, employee Id XXXX is what she gave me. I explained the situation to her and she wasnt much help, I asked her if she was aware of section 609 of the fair credit reporting act that states that courts do not have jurisdiction over credit reporting agencies and they do not report to the credit bureaus. So I asked her how was this information reporting if the courts did not report it. She hung up on me. I spoke with another rep which I did not receive his name at about XXXX XXXX XXXX. I asked him about the duplicate inquiries in which he told me that there was nothing he could do to remove them and that I would have to call each company individually to inquire about them I asked again to speak with a supervisor he put me on hold and 10 minutes later the prompter told me to press 1 again. The process started all over again. It has been a huge hassle dealing with Equifax for they dont even investigate as they're suppose to and they allow whatever on your report to sit there and do nothing about it. I feel my rights have been violated and I have taken every step to dispute the matter so here I am filing this complaint. Equifax does not care about the laws that govern their agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid a loan in full to XXXX and will attach supporting documentation. I have filed two disputes with Experian, have spoken to XXXX, resent the letters that XXXX sent stating that the loan was repaid in full. However, XXXX has not sent the proper information to Experian to remove this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX ( creditor ) a number of times as well as the 3 major credit bureaus about a balance that is being reported. The account in question is being serviced by an outside collection agency, but XXXX XXXX is reporting balance on my credit report. I am being advised by all 3 major credit bureaus that XXXX XXXX is not reporting that my account is with an outside collection agency. This account has been with an outside collection agency for several years. I have called the creditor and credit reporting agencies to no avail. Account is charged off as bad-debt but not reporting or showing as transferred or sold to collections. Please help me with this issue.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX XXXX XX/XX/XXXX XXXX IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Product: Consumer Loan

I purchased XXXX vehicles ( XXXX used, XXXX new ) from XXXX XXXX XXXX dealership in XXXX XXXX, IL ( now closed ). I financed both loans via FORD ( MOTOR ) CREDIT. I believe I was charged a higher interest rate because I am female and XXXX. I understand I may be due a refund of the excess interest. XXXX accounts are paid. 
Please advise what I must do to request a refund?
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer in fact, opted out of sharing my personal and private nonpublic information from Transunion. I sent Transunion a " Privacy Opt Out Notice '' on XX/XX/2022. Transunion has been fraudulently disclosing my personal and private consumer information without my consent, which includes the five accounts listed on the notice. I am requesting immediate deletion off of my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding fraudulent accounts and incorrect information that have been illegally reported on my credit report. I have been a victim of identity theft, and it is imperative that you rectify this situation without delay. 
These accounts were not opened by me, and I am not liable for any transactions or debts associated with them. The presence of these accounts on my credit report is a direct result of identity theft and is causing significant harm to my financial reputation and well-being. The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNT : XXXX XXXX
Product: Checking or savings account

Ima writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX ****XXXX INQUIRIES XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ****XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ****XXXX  XX/XX/XXXX {$39.00} XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX. ****XXXX XX/XX/XXXX {$35.00} XXXX XXXX ****XXXX XX/XX/XXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, sent a letter on XX/XX/2021 regarding to an inaccurate and unknown items on my credit report. I feel like I'm being taken advantage of and being ignored by my disputes. FCRA Section 611 ( A ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been 30 days since then so they should be deleted promptly. I demand these accounts to be deleted immediately as they are causing me stress. I have attached a certified receipt as a proof that they have received my letters and my ID as a validity of my Identification.. This report is possibly to all the credit bureaus.
Product: Debt collection

XXXX XXXX XXXX Account number XXXX Is reporting inaccurate accounts to Transunion and XXXX  credit bureaus. I have sent complaints and disputes. This company continues to ignore and continues to report. This company is unreasonable and is trying to destroy my credit with account that is not mine. REMOVE THIS IMMEDIATLY!
Product: Mortgage

I applied for a pre-approval with XXXX, Branch Manager ( NMLS # XXXX ) with New American Funding Mortgage Company. I explained to him up front XXXX ( my father ) and XXXX ( my boyfriend ) would be applying for the mortgage. I XXXX and XXXX ( my boyfriend ) would be living in the property my father would not. My father was willing to help us out in getting the loan. We provided XXXX with all the items he requested to get us pre-approved. 
On XX/XX/2017, he provided us with a pre-approval letter for {$140000.00} with 3.5 % down going FHA. We presented the pre-approval letter to our realtor and we went out to find a property. We liked XXXX in XXXX as we felt it was suited for us. We wrote a contract, ran the numbers over the phone with the lender, before we presented the contract to the seller. Seller reviewed and accepted the contract so we proceeded in retaining an Attorney, hired a home inspector and radon inspector. To date we have spent {$500.00} out of pocket for the inspections, provided {$1500.00} in earnest money, and not sure how much out of pocket we 'll be with the Attorney. 
After the inspection, we find out from XXXX the company he works for ca n't move forward with the loan. None of this make sense to us as he knew upfront what we were doing as we were upfront and honest. He came back and told us we could not purchase with 3.5 % down as my father and my boyfriend are not blood related and underwriting would not allow him. If we did want to purchase he said we 'd have to put down a hefty down payment. One which we do not have. If we would have known this upfront we would n't have spent the money to go hire a home inspector and release earnest money. We feel we were misled by XXXX, Branch Manager ( NMLS # XXXX ) with New American Funding. 
I would like for New American Funding to return the costs associated with the home and radon inspection of {$500.00}. I am currently working with my Attorney to get my earnest money returned. I called the corporate offices of New American to file a complaint and requested to speak with XXXX Manager but never received a phone call from him. After waiting for several days, I called the corporate offices again and am disappointed on how this is being handled as if it 's like no one cares. I 'm still waiting for a call.
Product: Debt collection

Jefferson Capital Systems LLC Account XXXX XXXX is reporting on my credit report in the amount of {$1700.00} that I do not owe to them. I have requested information pertaining to the debt and have yet to receive any documentation validating debt and said amount. This negative remark on my credit report has impacted my ability to obtain credit.
Product: Checking or savings account

This happened XXXX XXXX XXXX XXXX XXXX XXXX, NC at XXXX XXXX gas station. I was there to get gas and the pump did not work. I tried twice but it still did not work so I left to go to another gas station. After my card was declined at a XXXX  I came back to the gas station and talked to the store manager asking what happened and to refund me and he said it was normal and would be refunded. I called law enforcement. They came and looked at the cameras but it showed I was not even charged. She told me to call the bank Daves and I did. The bank blamed me and I let them speak to the officer. The officer spoke several times about that there was no charge and cameras do not show any transaction. For a XXXX {$71.00} would never fit and that was an argument but the bank still argumed back saying it could take 3-5 or 7-10 days. It has been 7 days. No bank has ever taken more then 3 days to refund. They are holding money that was not even used with proof I have from the store and the officer. I want this bank to refund me the money they have stolen from me. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX and XXXX of 2014 we received a phone call from Ocwen Company stating that our house payment was due and we were late. Immediately, we explained to them that the payment was sent and received by them on XXXX XXXX, 2014. They said that their records did not show anything. Since we have proof from our XXXX bank account we immediately faxed the statement from the bank. The employees from Ocwen Company kept arguing with us that we had n't made the house payment. My husband and I kept sending information and proof for about 8 months to the Ocwen Company but they ALWAYS denied everything. My husband and I gave up and decided to pay them another payment of the full amount. We are 100 % disappointed of being part of the Ocwen Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed. According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX XXXX
Product: Debt collection

The credit collection agency would not send me paper documentation each month showing the balance due on the account they said I owed, and each payment I made to the agency of {$50.00} a month for several months was never recorded., the agency refuses to give me a receipt showing the amount of money I paid them, so I stop paying them and request the agency customer service person to send the account back to XXXX XXXX XXXX  so I could pay them because I could not pay a collection agency and not received something showing I pay them money each month and not get a document or bill.

After I stop paying XXXX XXXX XXXX XXXX, they sent me a letter on XX/XX/2017, showing I owed a payment of {$50.00} without a balance. I called the agency and told them to send my bill back to XXXX XXXX  because I did not trust the company after they told me I could not get a record showing payments. And they continue to call my phone more than 5 times a day from different numbers to harass me even after I told them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to get a copy of my credit report from Equifax and the website always tells me my information doesn't match their records or that they are unable to process my request ( no reason given ). My information was amongst those affected by the data breach and I already know of one erroneous item on my credit report ( which I had corrected with the other agencies in less than 24 hours ). I can't dispute the account without a confirmation number from a credit report they won't give me. It simply shouldn't be this hard to get a credit report ; it certainly isn't a problem for potential creditors. I've tried the phone number but there is no option to talk to a live person so it tells me it can't help me. My only option seemed to be to send my personal information by mail to these people but it seemed extraordinarily risky. I went ahead and sent them copies of my lease and social security card. I am waiting for some response to this request. It seems to be very easy for everyone except me to get hands on my personal information with Equifax. I have had no problems at all with the other credit reporting agencies. Their systems are very efficient. Equifax is too inept to have so much power over people 's lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX XXXX XXXX ( XXXX XXXX reported false/incorrect information to the credit bureau causing a huge change to my credit rating. I contacted XXXX on XX/XX/2023 when I was made of aware of my credit score changing and they confirmed incorrect information was sent in error. I requested they send a correction immediately and they refused. I filed a dispute with Experian on XX/XX/2023 and reached back out to XXXX to respond to the inquiry but they failed to respond to Experian. 

This issue has caused my excellent standing to fall from an XXXX credit score to a now XXXX score. This issue was initiated by XXXX and they refuse to resolve this matter with any sense of urgency. Due to the negligence of this company my financial status with other accounts is now in jeopardy.