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

After reviewing my credit report I noticed there are addresses as well as names on my report that should not be there.
Product: Debt collection

I have requested XXXX/MOHELA ( both are named as my account was transferred from XXXX  to MOHELA ) to stop calling me during business hours as they continually call me and it is disruptive to my work, as well as requesting communication be provided to me in writing due to my XXXX, as I have had representatives threaten my credit would get worse or that legal action would be taken against me. 

I used to get multiple calls a day ( 3-4 ). Last week I got two calls on the same day, three calls total within the same week. 

I have repeatedly asked them to ONLY contact me outside of work hours, and to utilize mail for communication. I have continued to document all of these calls, as well as provide them written documentation of my request which they have ignored. At one point last year I was even told by a manager that they could call me as many times as they want and there is no law against it. I have this audio conversation recorded along with my other phone calls. 

I believe that XXXX, now MOHELA, are harrassing me and violating law. They refuse to provide communication in writing, even for my XXXX.
Product: Debt collection

I'm trying to get my credit in better standing XXXX collection and credit  acceptance are no supposed to be on my credit. The hard inquiries should off I discovered i have XXXX. I just wan na pit the debt i do owe into one consolidated payments to make payments on them off. Im raising all four of my grandkids and i have 3 daughters living at home. I enrolled into online school.want to show my kids its never to late. If i was to leave this world I a single mother of 4 daughters 3 live ay home and im raising my older daughter 's four kids. I trying to be all i can.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

Truist is our mortage company. We do not know where they are located. We only know them are at XXXX XXXX. 
The customer phone number is XXXX XXXX XXXX. 

Since XXXX and XX/XX/2022, we do not receive our statement to pay our mortgage. 

We currently have 2 loans with them and both are having issues. We have a difficult time to get a hold of them. Most of the calls are wait time of 30 minutes or gets hung up.

Without the statements, we will forget to pay as we are seniors. 

We think the bank is doing a dis service to us. Right now we have to live in fear to check our statement every month to make sure we get it so we can remember to pay it. 

Please investigate.
Product: Mortgage

Flagstar bank is improperly collecting property taxes from a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  They have been unprofessional, rude, and untrustworthy for the past several months.
Product: Bank account or service

I filed a claim with chase for XXXX this amount was charged to my account from a vendor without my consent. This vendor is XXXX my wife and I stayed at their resort during our honeymoon. Chase asked my to provide docs showing that this amount was settled in cash I provided the receipts that were given to me by the venue to Chase right after I filed the claim. 4 months go by I do not hear from Chase at all and all of the funds are reverse out of my account without notice leaving now with OD fees and huge negative balance. I called Chase to see why this happened, the representative said it was because I never submitted any documents. After explaining to the representative that did in fact submit the documents right away the representative put me on hold and did some research and saw that the docs I submitted were never reviewed. He then proceeded to re-open the claim and the funds were put back into my account and the fees were reversed. Yesterday after nearly 4 months with no notification chase took the funds out of my account again with out notice and leaving my account in the negative with OD fees, this time they said that its because time expired and they cant collect the amount from the vendor, then they said that docs I provided are not valid. No one from Chase contacted me requesting any additional information and Chase never requested the signed bank copy from the vendor. How am I supposed to know that what they have is not valid if they do n't inform me? I spoke to a claims supervisor named XXXX and she stated that people over there do n't know what they are doing that 's why I had to speak to a supervisor, she was terrible and was not able to help me at all. In fact this woman kept taunting me through out the call. Please CFPB help me get this resolved. Thank you so much.
Product: Prepaid card

I canceled my card with chime agent in XX/XX/year> because of suspicious fraud. Agent sent me virtual card. Chime authorized a payment on that canceled card for {$170.00} and it went through when I dispute it and told Chime what they did chime got Mad at me and out of retaliation closed my secured debit credit building card. I disputed that and got a apology letter see attached. But I lost XXXX points n never got them back?
Product: Credit card

Capital One is in possession of contraband upon which a lien has been attached under 6324 ( C ) ( 2 ) of Title 26 of the Internal Revenue Code until the Capital Transfer Tax is paid in full. They have have refused in violation of UCC 9-210 They have to show that the funds derived from the promissory note security was transferred into the trust. 26 U.S. Code 860G Defines a Qualified mortgage. Because the loan is not secured, its not a qualified mortgage. The borrower, as a 3rd party beneficiary owns the proceeds that the servicing company is holding that never transferred into the REMIC. They are qualified heirs, receiving property from a decedents estate and have not paid the tax on the proceeds. They havent posted a bond for the accountability of tax under 2032A ( E ) ( 11 ). This company fraudulently transferred the purported debt to a third party in violation of 18 U.S. Code 514 - Fictitious obligations.
Product: Checking or savings account

I am writing a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having 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 balances despite initially available funds. I believe these practices are unfair and I request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX {$200.00} XXXX XXXX {$220.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Vehicle loan or lease

On or about XX/XX/XXXX I went to XXXX XXXX XXXX of XXXX  to purchase a XXXX XXXX XXXX XXXX for approximately {$43000.00}. I was approved be several banks and based on what the Finance Manager told me I decided to go with XXXX XXXX XXXX because they were offering me a lower interest rate. After approximately 2-3 hours I was finally called into the Finance Manager office to sign all the documents pertaining to the sail of the XXXX XXXX XXXX XXXX. When I completed the signing of the documents and exited the Finance Manager office, the salesman told me, 'Mr. XXXX we can get you into a new XXXX XXXX XXXX. Since TD Auto Finance approved you for the XXXX  we ( XXXX XXXX XXXX of XXXX  ) will tell TD Auto Finance that you changed your mind and DIDN'T PURCHASE THE XXXX but rather decided to purchase the XXXX XXXX XXXX so they would finance the XXXX  and you can take the car home ''. Between both vehicles I purchased on that day, the total was approximately {$95000.00}. After I returned home from the purchase of both vehicles I called TD Auto Finance and made them aware of the misrepresentation that XXXX XXXX XXXX provided to them regarding my purchase of the vehicle they financed, XXXX XXXX XXXX for approximately {$53000.00}. The TD Auto Finance Representative that I spoke to didn't seem in anyway regarding the fraud that XXXX XXXX XXXX of XXXX  presented to the by lying and stating that I decided to purchase the XXXX  rather than the XXXX. I asked the TD Auto Finance if I would've been approved for the purchase of the XXXX if they knew that earlier in the day I purchased the XXXX & the Representative stated " NO '' and that I was taking on to much debt. I was paying $ XXXX  monthly for the XXXX & by purchasing the XXXX  I would incur another monthly expenditure of {$850.00}. I asked the TD Auto Finance if there is anything they can do to help me since this loan was obtained by fraud because of the un factual information XXXX XXXX XXXX of XXXX, Montana provided TD Auto Finance & the TD Auto Finance Representative answer was " return the vehicle ''. I stated to the Representative that by doing that I will ruin my credit & her reply was simply that's your problem that you would have to deal with. I asked her " Don't you think this transaction should be of concern to TD Auto Finance ''. Her reply again was I can take the vehicle back. 

Since the purchase of both vehicles approximately 2 weeks ago I returned the XXXX XXXX XXXX XXXX TO THE DEALERSHIP because they sold me that car unlawfully & unethically. They didn't disclose to me that it was previously used as a rental and after I found out it was I threatened to take them to court and the General Manager, XXXX XXXX told me to take back the vehicle to the dealership & he will comply with my command of reimbursing me approximately {$3000.00} and paying off my loan with XXXX XXXX XXXX. In closing, I recently found out that XXXX XXXX XXXX knowingly & willingly failed to provide me an additional {$1000.00} manufacture rebate which I'm currently addressing with the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814.

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instrctions
Product: Credit reporting

I received my TransUnion dispute results ( File no. XXXX ), and the credit bureau claims it 'verified ' a trade line identified as XXXX # XXXX '. There are a few problems that need to be rectified : 1 ) Method of Verification letter sent to TransUnion - received on XX/XX/2016. 
2 ) Dispute results issued did not address HOW the credit bureau 'investigated ' the items disputed. 
3 ) XXXX account disputed via CFPB Complaint No. XXXX and FACTA request received by XXXX XXXX ( XXXX ) on XX/XX/2016. 
XXXX ) XXXX XXXX ( XXXX ) HAS NOT responded to the FACTA request. Demand was made for the production of the contract for debt I, as consumer, allegedly signed. As XXXX XXXX FAILED TO PRODUCE a contract for debt per the time frame allowed, FCRA mandates deletion of this line item.
Product: Student loan

I am a parent of a current undergrade that is paying off a loan, for my child, from XXXX/Navient. I have been paying " the interest '' on this loan for XXXX years now! I find this very ridiculous. now the company has split in XXXX and my account is listed under Navient. I want to know what is being done to stop XXXX/navient of all their wrong-doing for these types of loans! Sometimes the balance of the loan would go up instead of down! If you 're late, XXXX/Navient will harrasse you constantly!!!
Product: Student loan

I contacted TFC back in XXXX  sometime and was struggling to pay because of the pandemic. I called the company and they said i need to contact the school in order to have my payments and they said they were going to contact TFC and ive heard nothing since then. Ive called in XXXX  early and late in the year and did the same thing to me. They just gave up on me. I have never been able to recover from it
Product: Credit reporting or other personal consumer reports

I sent a letter to the company on behalf of this matter I have never had a account with this company
Product: Debt collection

I rented an apartment at XXXX in the XXXX managed by XXXX XXXX XXXX for more than 10 years and Paid rent on time 99.9 % of the time. However, XX/XX/2021 during the pandemic Landlord decided to send me a notice that I received when I returned from an emergency out of town trip that stated that landlord intended to terminate my lease effective XX/XX/2021. However when I tried to pay XXXX 's rent landlord returned my check stating they intended on evicting me on XX/XX/XXXX and could not accept my check. 

This matter finally came before the XXXX XXXX XXXX XXXX XXXX, Michigan XX/XX/2021 and was settled with my payment to landlord in the amount of {$7000.00} that was not to include any penalties or late fees and covered 6 months rent part of which was Gas and water and sewerage. for the last 12 months in XXXX my rent was {$970.00} + {$75.00} ( uncharge for month to month ) = {$1000.00}. Additionally, with the utilities included my average monthly was {$1100.00} for the past year. the court order was settled with {$1100.00} per month which included the utilities that were managed by the landlord XXXX XXXX XXXX. However they are now trying to keep my {$370.00} deposit and falsely claiming I owe {$220.00} for the same bills I have paid. The collection agency representative was interrupting me while I was trying to explain. I felt talked down to and unfairly treated. She told me without even checking that I owed the money for legal fees or something so pay it.
Product: Student loan

I graduated from XXXX XXXX University in XX/XX/2018 with my XXXX XXXX. Upon graduation and after the grace period, loans become due of course. Many of my loans were thru XXXX XXXX. I could not afford {$300.00} payments each month on multiple loans and called into the loan servicer. I was advised to consolidate and was walked thru the application until submission. I work in XXXX XXXX  ( XXXX ) and have been making all payments towards XXXX. I am now being told XXXX XXXX gave me a private loan that is not a direct consolidation and none of my payments will count towards anything. I had called and sought relief and help. I was ill advised and want know what options are available to me so I am not stuck in this debt I had no clue would be ineligible for the rest of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I have disputed the collection amount, my Credit Tradeline has multiple inquiries for the same collection account for the same amounts from the Collection Agency that I am disputing. The company is maliciously scarring my credit with these continuous multiple Tradeline reports. 

The collection agency is : PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX, PA The dates on my credit tradeline showing NEW COLLECTIONS are : XX/XX/2018 {$660.00} ( XXXX  ) XX/XX/2018 {$660.00} ( XXXX  ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) My score has dropped over 25 points with these multiple hits on my credit report and they should only show one time, not multiple times in a week or month.
Product: Student loan

My account is currently in administrative forbearance, which Mohela placed me in for unknown reasons. I regularly log in to my online account to check that the forbearance is still active prior to my usual payment date to ensure I don't miss a payment. I am pursuing PSLF, so this is very important. 

When I logged in on XX/XX/XXXX, my account showed a smiley face icon next to a message that informed me that my account was in good standing. My loan balance was listed as {$0.00} ( rather than the approximately XXXX XXXXXXXX it should have been ). When I tried to access information about my loan details, I was shown a message that due to the status of my account, this information could not be displayed. When I tried to view my PSLF payment tracker, this option had been removed from my account. I was shown a message that informed me that Mohela did not have any PSLF information in their system for me at this time. 

At this point, I was confused and called Mohela to try to figure out what had happened. Due to long wait times, I was given the option to have a representative call me back. When the representative called me back, I shared all of this information with him, and he informed me that my loans had been XXXX on XX/XX/XXXX. I asked if this meant they had been forgiven, and he said they had. I asked for documentation to confirm this, and he said no letter had been generated yet, but that it would be mailed to me within 30 days. This was exciting news for me, and I returned to my account several times to see the smiley face and message. 

The next day ( XX/XX/XXXX ), I logged in to my account to again view the message. Instead, the smiley face icon and message of good standing was gone. I found that the full amount of my loans ( just under $ XXXX ) had been reinstated. I was again able to view my loan details, but the PSLF tracker counts were still missing. I called Mohela to find out what happened. 

The trainee who took my call was kind, but ultimately over the course of our hour long conversation she was unable to determine what had happened. She did not see the discharge information that the representative from the previous day had seen, and she also could not see any records of my PSLF counts. She and a supervisor suggested it might be the result of a consolidation I requested in XXXX of XXXX, but that has been completely resolved since XXXX of XXXX, and everything in my account has been correct and up to date since then- until XX/XX/XXXX. Additionally, the representative I spoke with on XX/XX/XXXX said that the administrative forbearance Mohela placed me in made it difficult for her to see information about my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listing of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX ) XXXX XXXX XXXX ( debt collection ), I have a right to privacy. 15 U.S.C 1681 section 602 A Section 2 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : 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 and XXXX
Product: Debt collection

In XX/XX/2018 I switched to XXXX  mobile service from XXXX. The salesman advised he would pay off any amount due to XXXX XXXX and took all four of our existing XXXX XXXX  phones. I received several calls from XXXX XXXX  advising me of a {$870.00} balance due. I made contact with XXXX and XXXX XXXX many times trying to resolve the matter without success. At one time I was told that the salesman was fired for making false promises to potential customers. The debt was sent to Credence resource management and is now on my credit report. Please help. Thankyou
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance XXXX {$590.00} XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX