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

XXXX XXXX XXXX. XXXX, 2023 in the amount of XXXX. Requested a dispute for un-accurate information put {$4000.00} down on car tried claiming fraud through company did nothing and the payment amount owe is inaccurate. The company sold a lemon car to me l voluntarily gave repossession of the vehicle and the company still refused to repossess it in timely manor and reported non payment months latter credit report is not accurate at all. Ask the debt collector must cease all communication about the debt and they failure to due so ( this includes debit reporting ) | am filing a complaint against XXXX, XXXX and XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, XXXX and XXXX consistently responds within XXXX 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, XXXX and 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 No. 2025-CFPB- 0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX and XXXX complies with federal law and provides consumers with the necessary proof of investigation. I'm also requesting to have this removed with in 24 hour period if not pursuing to file a litigation.
Product: Debt collection

I filed a dispute with XXXX in reference to a debt collection company called Portfolio Recovery Associates and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately ''.
According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Portfolio Recovery Associates and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have contacted your Trans Union, XXXX, XXXX   regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XX/XX/XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.
Product: Credit reporting or other personal consumer reports

This debt is showing on my credit report as a charge off. This account was included in bankruptcy and was paid in full when the car was totaled in 2019. The account was showing correctly for years and suddenly was reported as a charge off. I sent multiple requests for debt validation via certified mail : XXXX, received by Prestige XX/XX/XXXX XXXX, received by Prestige XX/XX/XXXX XXXX, received by Prestige XX/XX/XXXX I also included proof of bankruptcy and the insurance information verifying the loan was paid. Per the Fair Debt Collection Practices Act a debt can not be reported if not validated. The 30 day timeframe has elapsed with XXXX response to my requests. This is debt parking. The statute of limitations has passed for this debt, 4 years for auto debt, in the state of Indiana. 

Numerous complaints exist for this company for their unethical practices.
Product: Mortgage

In XXXX of XXXX we changed our homeowners insurance- We provided the new policy info to the mortgage company and we received a confirmation letter they had received it. However, they never updated the Escrow account and we were being charged for the old policy for over a year- we requested escrow analyst and we did not receive. Our payments are not being applied for months which generated past due statements this drove a letters being sent to us that we were behind on our mortgage- the statements were incorrect due to the escrow not being corrected- funds were sitting in an unapplied account. the entire statement was incorrect We have just completed a Bankruptcy in XXXX of XXXX and received our completed discharge on XX/XX/XXXX. All of these issues took place while we were in an active Bankruptcy. Nationstar tried filling a force foreclosure due to their inability to process payments. We had to work through the BK judge who questioned Nationstar on why the motion was brought once all the issue were in front of the Judge. 
We were told they could not speak to use over the phone due to the active BK even through our attorney sent in numerous request to allow them to communicate with us. We went emails to their complaint email address with no response. We reached out to the VP of Customer Care on XXXX who did responded- All of these issues are still ongoing. We are now out of our BK and Nationstar is negatively impacting our credit. Nationstar needs to be investigated by a government agency.
Product: Credit reporting

This is an Identity Theft reporting issue about CREDIT REPORTING AGENCIES ( CRA ). In particular, XXXX of XXXX Texas and their ID Theft supervisor, XXXX at ext. XXXX. 
I spoke with a XXXX credit Dispute Identity Theft supervisor named XXXX in early XXXX XXXX. My concern was as a victim of I D Theft, there should be a FCRA block under sec XXXX to allow victims the right to rebuild their credit. I had XXXX item in public records that was negative : and due for removal XXXX XXXX XXXX, and despite all efforts is still there. as is the other Judgement ( not mine ) in my name while and Identified by XXXX ereports as IDdentity theft, see attached and should be blocked under FCRA Sec. XXXX. 
XXXX supervisor XXXX stated I should pay a lawyer to remove filing by vacating it. That cost too much money & I was an Identity theft victim entitled to mandate XXXX to block negative inaccurate items from my CR under FCRA sec XXXX. XXXX supervisor XXXX advised me that the cheapest way to remove the one remaining NEGATIVE item on my CR was to contact the the XXXX warehouse and public records manager for XXXX and ask for it to be removed. XXXX promised me that if I convinced XXXX subcontractor, XXXX, to remove these judgments filing as a mistake due to I D theft or for any reason, XXXX would delete the filing under FCRA sec XXXX. So I did. and XXXX XXXX did indeed removeall refrences, see attched. I faxed the XXXX/XXXX/XXXX XXXX report letter from XXXX to XXXX twice during XXXX XXXX. XXXX is the consumer reporting arm of XXXX. XXXX reviewed my request and agreed to delete the Judgements from their data base and the personal report they did on me. I was very happy XXXX XXXX was helpful and aware of the damage that an Identity Theft issue could do to my personal credit report with all XXXX CRAs. As you know, XXXX is the GATEKEEPER of data for all public records reporting in XXXX for ALL XXXX CRAs! 
Incredibly, XXXX has also refused to remove XXXX public Judgement for XXXX $ ( meaning there is no monetary value to the judgment ) involving Identity theft from my XXXX and Equifax reports, So I checked with the XXXX about why CRAs violate the FCRA law. XXXX sued all XXXX CRAs in XXXX, forcing each of them to sign a Consent Agreement on XXXX/XXXX/XXXX that mandates them to give their workers the discretion to remove any Identity Theft related content or credit inquiries or credit files immediately. The CRAs agreed in the Consent Agreement with XXXX to delete these inaccurate items related to ID theft immediately or suffer additional fines and penalties. The CFPB must order XXXX, and Equifax to delete this Public Records based on identity theft content from my file. XXXX supervisor XXXX said Door to Door Sales Act would allow him to delete this public record :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the credit bureau asking for validation of my accounts ( XXXX XXXX ACCOUNT # : XXXX, XXXXXXXX XXXX ACCOUNT # : XXXX ) and have not yet received validation. I believe the information on my credit report regarding these accounts are inaccurate. My first letter mailed out to the credit bureau was dated XX/XX/2021. I have sent reminder letters dated XX/XX/2021 and on XX/XX/2021, a dispute letter dated XX/XX/2021 as well. I am losing my patience and am worried about my credit file reporting inaccurate information that can be affecting my credit worthiness.
Product: Student loan

Filed for an IBR on student loans through Navient back in XXXX payment increased over {$600.00} a month. Representative stated Navient had denied my IBR even though all other were approved and she would look into it. She comes back on the phone and states oh your approved I don't know what happened your new payment will be {$360.00} are you able to pay this. I stated what if I'm not, you can apply for the revised IBR. Payment is do in on XX/XX/XXXX. So Inquired about this revision affecting my forgiveness loan program she states it would not but we will have to give you a deferment for a month so your loan does not post late. This over the 3rd time that Navient has deployed tactics to increase our payments I believe illegally.
Product: Student loan

Someone claiming to be Navient told me that my brother, whom is the primary borrower was relived from the loan and I ( co-signer ) was inserted as the primary borrower. My brother claims he has been told repeatedly that his loan was forgiven due to the recent lawsuit against Navient. I think this is a scam but I can not afford to assume since I did co-sign the loan many years ago. Please help!
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 XXXX Balance : {$0.00}
Product: Checking or savings account

To whom this may concern, I originally opened an account with the terms that included an account bonus of $ XXXX an email confirmation is pasted below. After completion of both Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening and Enrolled in E-statements by XXXX within the timeframe no bonus was given. Multiple calls were actioned between XXXX of XXXX lead to multiple escalations as well as complaints that were never actioned- this was in addition to multiple dropped calls as well. The account will be closed on my end due to lack of transparency as well as lack of assistance from their end. 

XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Hi XXXX, Hope youre having a great day today, my name is XXXX and XXXX be your Account Setup Coordinator for this application! 

XXXX Thank you for choosing U.S. Bank, your application was approved and we have opened the following account in your name : U.S. Bank Gold Checking Account # ending in XXXX ( if you didn't catch the full account # from the application, I can provide it after verifying over the phone ) * We also received your completed signature card, so you may now begin using your account ( I've also attached some tips ) * Product Notes : Note regarding the promotion on your application : XXXX - XX/XX/XXXX / Earn {$300.00} for opening a Platinum Checking / Gold Checking / Easy Checking Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening Enrolled in E-statements by XXXX It's been my pleasure to assist. As your account coordinator I want to exceed your expectations, feel free to email or call with further questions over the next couple of weeks. We really care about your experience with U.S. Bank : There will be a quick survey you'll receive that's specific towards your experience with any of my calls and my emails ; my goal here striving for success is to receive all 9 's or 10 's If you have any other feedback about this onboarding process or feedback about U.S. Bank I'd love to hear about it via email. 

Have a fantastic day! 

Sincerely, Available XXXX EST M-F / *** I hope that you and yours stay safe during this pandemic, I want to make this process as effortless for you as possible / We are experiencing higher than normal volumes and will return your call or email as soon as possible / My manager info as a secondary means of communication in case Im out of office : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX Account Setup Coordinator | Virtual Deposit Operations XXXX option 3 use my direct extension XXXX | XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged on the following date : XXXX XXXX Since then, the account has repeatedly been updated charged off every month. This is an update in the payment history. A charged off account should not include in active payment history. This inaccurate information falsely manipulates the status of limitation investigate this account properly after I asked you to do it twice and your neglect has violated demanding a deletion of the following account name XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX {$4500.00}
Product: Mortgage

I inherit this mortgaged because both of my parents have passed away.. i had to submit their death certificates several times. then they kept increasing the payment until it almost tripled. i called the bank several times, they would tell me to submit death certificates again. They would transfer me from one person to another. During this time i kept paying mortgage and late fees and know one could tell me why the payment had tripled. Then through my own investigation XXXX property taxes were wrongfully access. Then i was able to get the taxes figured out. XXXX sent the overpayments back to my mortgage account. They didn't give me that money back. The bank took that money and froze my account along with other mortgage payment. i will call the bank and customer service would say they did not recieved those checks from the county. then they had the money and put the house under foreclosure. This has been a nightmare. Today i called in regards to the settlement that came out a couple of weeks ago on the news. I was transfer several times. No one had any information. Then the last person said that they will contact me if they needed to return some money.
Product: Debt collection

I lost my credentials, and around that time my information was used to apply for housing in a state Ive never even been a resident in. On XX/XX/2021 that activity showed up on my credit report, and I tried to explain to the company I wasnt even aware of this, nor do I live in the state where the activity was applied to. No progress has been made.
Product: Mortgage

Trying to process a short sale. For over 2 months, since XXXX 2015, we have received NO status except " the file is in review ''. Now after 2 months, no response except, " Updated financials are needed ''. NOT ONCE in the last 2 months, when I have called at least every week, they need updated information. Every time I call, I can not speak with anyone who actually can make a decision since it is " in review ''. We have an offer, submitted MONTHS AGO, several Valuations done by the lender, once recently 2 weeks ago, but no response on the short sale. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX )
Product: Mortgage

I signed docs with Wells Fargo that stated my XXXX payment was XXXX XXXX XX/XX/2015 our Note with XXXX also shows XXXX payment XXXX XXXX. We closed our loan on XXXX XXXX, XX/XX/2015. We received a bill stating our XXXX payment was due on XXXX XXXX. I called Wells XXXX XXXX and they apologized and said they would fix the issue but it would take XXXX weeks and would be done by XXXX XXXX. I have called today and it is still not fixed. They are going to charge me a late fee and ding my credit for their mistake! Please help CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, it's the 2nd time I submitted - as the original message was not properly submitted. 

Here are my details about credit reporting agencies : 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. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ============================== 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 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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

please remove these item that i request to remove from the past XXXX  and still reporting on my report, I already comply all the needed detail.
Product: Mortgage

We lost 100 % of our income when the Covid-19 pandemic hit. The government " made '' banks/servicers offer several options to homeowners, including deferrals. However, the government forgot to include tax and insurance and with the high property taxes we have, we asked our servicer to put the taxes on the back end of the loan. They said the only way to do this is for us to apply for a loan modification. We sent all requested documents, the servicer failed to use our full income and after several months of phone calls and letters citing their error, we finally decided to file a complaint with the CFPB. 

Once we did that, the servicer finally used the correct income. Originally they used just over {$4000.00}, to finally using our full income of over {$8000.00} and still denied us. They offered us a deferral agreement on XX/XX/2022, and gave us 30 days to respond to it. We signed, sent it in, as well as made our payment prior to the written contract 's expiration date and on XX/XX/2022, the same day we signed, they breached our contract and canceled it. The contract said sign and send in, we did. It did not say anything about making the payment but we did anyways. 

Pre-Covid, our payment was just over {$2400.00}. Post covid, it was just under {$2900.00}, and post-breach of contract, it's now over {$3000.00}. The payments that were supposed to be deferred will now be added for a payback with the amount exceeding {$4000.00} a month. Working with this servicer has been very difficult. They could not count our income right, they can't count 30 days right, it's absolutely frustrating!!! 

At this point, we are preparing a complaint, including all that were submitted to the CFPB to send to all government and state agencies that monitor and assist in these matters. We will set up accounts but will await the servicer 's response to this formal complaint.
Product: Mortgage

XXXX refused to provide me with a copy of bank statements and mortgage statements. After online act, system asked me for a code, I accidentally closed it from my phone. Went back online at least 10 times & received error message " We are unable to complete your request. Please call us at XXXX to confirm your identity '' I called the number as I can provide phone records, at least 8 times. Its a failed system, all reps transfer you back to the same dept XXXX. They leave you on hold OVER 30 min and I got disconnected, a system SET UP TO FAIL. I called the wrong dept as this is how I was able to get a live person in requesting for statements but gor apply for mortgage dept, I spoke with XXXX as she asked me : WHY do I need statements '' I said its none of your business and you have NO RIGHT TO ASK ME the reason and out of compliance. CFPB, WHY does this bank think they can say whatever they want and continue to violate my rights? Is it because you ALLOW them to? Do I need to file a complaint against CFPB? WHY do I have to spend HOURS to get statements that I have every right to request for. WHY? XXXX transferred me after full verification along with having access to my personal act info, after on hold again and she then hung up and never called back. TODAY XXXX AGAIN SAME EXPERIENCE, spoke with XXXX and XXXX as she hung up after requesting copy of statements, she was well aware how I was getting the run around back to XXXX #, they transfer you to XXXX same recordings just a different no, this is the intentional game they play. I even informed her that I WOULD file a complaint with CFPB, as XXXX thinks that this is a game. Refusal to assist and I feel they need to apply {$500.00} to my checking for refusing to assist me. -HOW MANY HOURS AND DAYS TO I NEED to spend to get copies of statements?