23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not own this debt. I request it is remove it off of my report it is holding me back from career opportunities. I sent letters requesting contact information the state I ve made payments. I ve request them to stop contact me via phone mail email and are still harassing without producing contracts. I sent letters XXXX XXXX XXXX XXXX XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Product: Mortgage

The Loan " Servicing '' company my mortgage was transferred to is cheating consumers by not applying additional principal payments made on accounts in a timely manner -- or possibly even at all. My normal payments are made via auto-withdrawal from my checking account each month. The amount I owe is {$1200.00} and I always pay {$1300.00}. The additional {$39.00} should be applied toward my principal but they " withhold '' this money in unapplied funds. I do believe it is eventually applied, though I am not 100 % sure but it is not done immediately and therefore interest is accuring and thus in the end I am charged more. MY BIGGEST ISSUE : I recently sent a paper check to make an additional {$3600.00} payment toward my principal. I noted principal payment both on the check and on the payment coupon enclosed. They applied only {$2300.00} of the {$3600.00} toward my principal and then applied {$1200.00} toward my regular payment due XXXX XXXX -- -and then auto-withdrew my normal XXXX payment and applied it to XXXX. Though I am not a financial guru, I am confident that I am not coming out ahead in the interest calculations with the method they are using. They need to apply additional principal payments IMMEDIATELY. I made a phone call this morning and they indicated they would correct the issue ... ..How many people do not realize their deceptiveness and make that call. Americans like me work too hard for their money and when they get the opportunity to try and pay down a principal on a large mortgage, they should not be deceived by these large companies. I did n't choose OCWEN ... ..my mortgage was transferred there. The company is OCWEN Loan Servicing , LLC and the only address I have is XXXX XXXX XXXX ; XXXX XXXX XXXX, FL XXXX. This deceptive practice needs to be stopped across the board with all lenders. We should not have to babysit these companies and make them appropriately apply our funds.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and as a result, fraudulent inquiries have been made on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following inquiries be blocked and deleted from my credit report. 
Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX Date : XX/XX/year>
Product: Consumer Loan

Santander is reporting incorrect payment history, incorrect balance, as well as, account status with all XXXX credit bureaus. I 'm submitting this complaint because although Santander has been notified to conduct a through investigation they have not and continue to willingly report incorrectly.
Product: Credit card

Purchased a piece of furniture that we never received only to find out that the company has been scamming people exact same way for several months. Filed a dispute with chase bank giving them all the proper documentation showing that this company is scamming people. Chase bank contacted the scammers and sided with the scammers even after I produced all the documentation showing how many other people have been scammed.
Product: Credit card or prepaid card

I purchased a XXXX fridge and freezer French door from Sears. During the Hurricane Irma I panicked and left, I found out when I got back I forgot to clean out my fridge and freezer and that the area has been with out electricity for over a week. Many did not evacuate and cleaned it out within hours. I 've tried multiple ways to clean it out but coffee grounds to soak up the microbial infectious XXXX left. I called Sears and argued with them to come and clean it because I still owe them several thousand on the credit card I 'm paying high interest on and I saw the Sears Outlet refurbished fridges and sold for over {$800.00} ; whereas new fridges are several thousand dollars. Monday XX/XX/XXXX, I had a technician come out that refused to take a part areas that had screws and tabs in it. I called numerous times and was directed to several other countries personnel instead of local people. I was scheduled for an appointment, that no one showed and then again today. Today 's told me " maybe '' I could do this or that but most likely I need a new fridge. That I could try to pressure wash it and let it dry for several days or use coffee grounds. I also forgot important medicine in it, where the XX/XX/XXXXgot into the bottle and after XX/XX/XXXX made me XX/XX/XXXX worse than the exorcist and have the worst XX/XX/XXXX like symptoms since. I 've been forced to go out in public to eat and get supplies and may be contagious with some kind of XX/XX/XXXX and was given weak antibiotics by the Veterans Affairs hospital for XX/XX/XXXX like symptoms. These symptoms are worse than any XX/XX/XXXX I 've ever had and could probably XXXX people. I 've been wearing the mask except when eating and then noticed others whom were working coughing, both wet and dry coughs. I understand I panicked but now I 'm very ill and I am not the only one. I may have also been ill prior to leaving because someone speaking to me spit in my eye accidentally. I 've scheduled a request forXX/XX/XXXX and to be seen again by my doctor but need to wait until I get less sick as I believe these symptoms could XXXX  certain individuals like children and seniors. I may have also forgotten to wear my mask at some places. Please contact appropriate medical staff for this, because there was several hurricanes and Puerto Rico will be without electric for months. I care a lot, I 'm just not educated enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Accounts 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 XXXXXXXX Notice, it is a fact, and affiant is aware that under 15 USC 1692 ( j ) ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

An FTC Report was filed # XXXX I was unable to print and attach.
Product: Debt collection

IQ Data XXXX has failed to provide proper debt validation as required by law. I originally requested validation by mail in XX/XX/XXXX and again on XX/XX/XXXX, yet they have not provided any documentation proving the legitimacy of this debt. Their response to my complaint does not include a signed lease agreement, an itemized breakdown of charges, or proof that XXXX XXXX XXXX legally assigned the debt to them. Instead, they dismissed my concerns over the phone, refused to provide written confirmation of their requests, and attempted to pressure me into applying for loans to prove my financial status. Their refusal to communicate in writing raises serious concerns about their compliance with the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Due to their failure to provide legally required validation, I request that this account be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$350.00}
Product: Student loan

I opened a previous complaint with Navient asking them to research why our children are now in their XXXX and we still have a large balance. Over the years we have been contacted by Navient a number of times instructing us to combine our children 's loans, keep in mind we did not ask they contacted us. When I call customer support they did not offer any solution or attempted to investigate why our balance is still so high. The previous complaint created through CFPB was closed because my wife was part of the complaint but Navient said they could not work with us because she was not part of the loans. I called Navient and added my wife to the account as was to here a response within 30 days. They 30 days have past, no response was received and CFPB closed the case. Everywhere we turn we are not getting any help. We are close to retirement and still have a large balance even though we have paid on a regular basis for over 18 years. Keep in mind during that time our account has changed organizations without our input.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was not made in error. I XXXX XXXX XXXX, also did not give you credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). This account due to inability to verify that the information on the account is mine and accurate, yet this account still reporting to my credit report. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide In FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so, please block and remove this account from my credit report as soon as possible, thank you. Please note these accounts are only reporting on EQUIFAX XXXX XXXX XXXX ( XXXX  ) Date opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These loans have been in consilidation but showing close on credit reports. I would like for the item to be removed. 

15 US CODE 1692 ( C ) If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer, the dept collector shall not communicate further with the consumer with respect to dept.
Product: Checking or savings account

My account has been frozen since XX/XX/XXXX. I have called multiple times they transfer me to the department that's able to unfreeze my account and it goes straight to voicemail. I left multiple messages with no return call, I need my account open asap its causing major damage to my business. I'm losing revenue!!! This is my last request before my attorney file suit for damages and loss wages!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : riginal Creditor : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I submitted a qualified written request for review for a Deed in Lieu on  XX/XX/XXXX . Today, I was told that I would not receive a qualified written response to my inquiry as required by RESPA. In speaking with HUD with regards to the liquidation of my property, I was informed that a standard Deed in Lieu of Foreclosure ( DIL ) was at the discretion of Lender. The Lender has out right refused my request for review, citing that there are credit requirements, however, when directed to HUD 's guidelines, the call center agents state that it is not for them to review. Each time I call in, I get a variation of knowledge and experience. Those who are in the know understand that a streamline DIL has a minimum FICO requirement, however, a standard DIL does not. I understand that my FICO is too high to qualify for a streamline, but would qualify for a DIL if the lender would be willing to move forward. As stated above HUD confirmed the information contained in 4000.1 Section III.A.2.l.iii. ( B ) ( 2 ) ( a ) - ( c ). I stated several times on my call that it was a RESPA violation to not respond to a written request in writing and was told " I 'm not in the legal department ''.
Product: Mortgage

i have been receiving an extra charge every year recently from seterus company. last year i just paid the extra amount they requested, but this year they sent me a bill in the amount of {$2600.00} (? ), i called them few times and each time they gave me a different answers, like the first time they said i missed a payment in XXXX, then i missed a payment in XXXX, then XXXX, and so on, and each time i ask them foe what month i missed the payment, they never tell me, and when i request a history of my payments on the loan, the sent me a paper for re modification instead.my last call i spoke with the supervisor and she said that the issue started on XXXX of XXXX, when i made an early payment it went to the principal instead as a loan payment, and late fees started since than till present. 
the supervisor suggested that i send a plea request to the heard quarter of seterus and ask them to reverse the 5 payment that i made early and reinstate them as a loan payment and remove the late fees since it was not my fault. 
i did send a request and they denied my request and they keep suggested that i re modify the loan. 
i truly need your help of what to do or to resolve the issues with them knowing that it was there fault and they are trying to make me refinance. 
they are a lot to say, nut i am trying to keep it short and hopefully i will explain more when you respond to my request. 
thank you. XXXX XXXX
Product: Mortgage

On XX/XX/2021 I checked the balance of our checking account to see that Nationstar bank had taken an extra mortgage payment out of our account without our permission. While they also put the deposit back in, this is an intrusion into our account that they had no permission to do. I do not have an automatic withdraw set up with them. 

Additionally, Mr. Cooper / Nationstar sent me a letter saying our property was not insured and they were going to pay for insurance and charge us back with a policy that had less coverage and cost more. We have current insurance and always have. When I used the phone number they gave it's an automated system that directs people to a website, https : //www.mycoverageinfo.com/mrcooper/policy-manager/system-unavailable As you can see the system says " down for maintenance until XX/XX/2021, at XXXX XX/XX/XXXXit is past this time, I had an option of hitting zero and getting a live person, I was on hold for at least 20 minutes being told they were " experiencing heavy call volume '', then the call hung up on me. I re-called the auto phone system selected the option to file evidence of insurance via text, the link they sent? The website that is down.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX - XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

XXXX, LCI Consumer Center, XXXX are reporting a bankruptcy On my credit report and they have put in the date of furniture that the XXXX BANKRUPTCY XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DIVISION which is false, attached is a copy of a letter from the US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX verifying and stating that they do not furnished information over to the credit bureaus or any credit monitoring services nor they verify or validate any information concerning Bankruptcies. XXXX, XXXX & XXXX are falsely stating this information on my credit reports and have yet removed this information from my credit reports.THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA {$610.00} ( 15 U.S.C. $ 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX from XXXX motors in XXXX Alabama that recently changed their name to XXXX I immediately brought to their attention that no sooner than I drove off the lot the cv axels was shaking so bad they was about to break, there's a bad power steering leak, bad oil leak, the electrical wires has been cut and rigged. They said they would fix it ir put me in a new car which they never did, when my first month 's payment was due they illegally repossessed the car costing me {$700.00} to get it back instead of the {$300.00} carnote again I mentioned the mechanical issues still unresolved. Today I received a letter from American Credit Acceptance notifying me that apparently the carlot sold my account to them and did not hold up to the deal that they agreed to. I was supposed to only owe {$100.00} payment XX/XX/XXXX and my payoff was supposed to be {$3000.00} not {$6000.00}.
Product: Credit card or prepaid card

Request for an Appeal I disagree with an outcome of the billing dispute for the amount of {$1600.00} with XXXX, charge been posted on XX/XX/2020 on my XXXX XXXX XXXX account. 

On XX/XX/2020 Ive filed a billing dispute with XXXX for the amount of {$1600.00}, reason for the dispute was Ive returned the merchandise back to the merchant within return policy, yet wasnt refunded. The reason for the return was that the product Ive purchased ( XXXX XXXX  XXXX XXXX XXXX ) had defective matrix. 

The item had been shipped via XXXX Tracking XXXX and delivered as of XX/XX/2020. When I was filing a dispute via the Chase app the only thing the system requested is the tracking information and the date when the item was returned, which had been disclosed. 

Since XX/XX/2020 I havent received any other request for an additional information which clearly shows on my account in Notices and letters sections. On XX/XX/2020 Ive received a letter stating, that the dispute was closed into merchants favor due to the lack of the supporting information. 

Im asking Chase to reopen a billing dispute and consider the documents attached such as but not limited to : ( 1 ) Copy of the Return request form indicating XXXX Return address ( 2 ) Copy of the shipping label indicating XXXX as a recipient ( 3 ) Copy of the tracking information associated with XXXX tracking XXXX Kindly acknowledge the supporting documents attached below and credit back {$1600.00} to my XXXX account. 


Kind regards, XXXX XXXX