23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received a copy of my XXXX, XXXX, and Transunion credit report, and I noticed some Inaccurate account posted on my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

Ref : Hard Ship Letter : NACA : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX Loan # XXXX Date : XX/XX/XXXX I received a mortgage modification with the help of NACA after several failed attempts working with the Servicer, Ocwen Loan Servicing having suffered several hardships. However, it seems that Ocwen Loan Servicing and the XXXX and the now current Servicer, are attempting to make the nullify the modification after two years. 
In XX/XX/XXXX, I learned that Ocwen Loan Servicing and XXXX XXXX XXXX was co-servicing my mortgage ; Also I was adviced by XXXX XXXX XXXX to send my mortgage payments to XXXX XXXX XXXX. I did not receive any letter from Ocwen Loan Servicing confirming that XXXX was the new servicer so I contacted NACA who confirm that XXXX XXXX   was the new servicer. 
I started sending my mortgage payment from the months of XX/XX/XXXX onward to XXXX XXXX XXXX but the company sent back ALL the mortgage payments back to me, stating that Ocwen reported the XX/XX/XXXX payment was not received. 
I reported both to to XXXX XXXX  that Ocwen Loan Servicing reporting of the XX/XX/XXXX payment is is incorrect, because I have proof of the hand-delivery receipt of the payment and also date the money order was cashed. I sent both Ocwen Loan servicing and the XXXX XXXX  proof that the XX/XX/XXXX payment was received, and information that the money order was cashed. 
Even with all the evidence that I presented to Servicing companies, the mortgage payments were still being rejected. Now Ocwen Loan Servicing has filed a foreclosure notice to take my house away. 
I am seeking assistance from the department of Consumer Financial Service to rectify their error and allow me to resume making the mortgage payment. I am worried that the Servicing companies have device a plan to take away my home and make me XXXX. Please help me I made several personal attempts to work with the both Servicers Ocwen Loan Servicing and XXXX XXXX to remedy the error in recording and reporting the mortgage payments without any success. I am now working with NACA in an attempt to save my home. 
Thanks for helping me save my home and keep a roof over my family head, one of the basic need that all of us have. 
Sincerely XXXX XXXX XXXX EmailL : XXXX XXXX
Product: Debt collection

Halsted uses automated dialers to call me repeatedly from spoofed phone numbers. They call & as soon as I answer they hang up. Sometimes they call & hang up as much as 3 times per day. A few of the phone numbers they have used are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Halsted also refuses to give me a mailing address so I may send them a cease & desist contact letter.
Product: Debt collection

LVNV funding LLC hired XXXX XXXX  XXXX XXXX XXXX to collect a debt for XXXX XXXX I have never heard of them
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8900.00}, {$23000.00}, {$11000.00}, {$0.00}, {$6900.00}, {$6400.00}, {$6100.00}, {$2200.00}, {$5700.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Experian 's web site to temporarily remove a credit freeze. When I entered my personal information to temporarily remove the credit freeze, I got an error message that said they were unable to complete the transaction. I called Experians number several times. None of the options helped me. They do not let you speak to a person. Their phone system puts me in a continuous loop that will not help me. 

I want to suspend my credit freeze from now through XX/XX/2022. 

Please help. Experians is completely unresponsive. 

Thanks.
Product: Student loan

I have submitted numerous qualifying information to Mohela towards my loan forgiveness program and have not received a phone call or email that makes any sense! I originally paid a company named : Higher Level Processing to manage this for me and ended up paying them XXXX a month since originally applying to loan forgiveness program to find out they didn't keep tract? or Mohela messed up? I have since stopped paying that company to try and fix this mess myself and still trying to fix mess. I sent all previous and current W2s, and names of jobs held that were non-profit as directed. Now I see they have several of them listed on site, but they say employment not verified?? so they are not being counted. I'm at my wits end! Can someone please help?? I'm close to retirement now and if they weren't going to pay my student loans off, I would have been making payments all along as income is going to be limited shortly and my husband is already retired with set income. Please help! 

Thank you XXXX
Product: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX EST, I made a 14 minute and 34 second phone call to XXXX XXXX XXXX I negotiated a settlement of {$370.00} om my balance of {$690.00}. The representative said I could get a settlement paid letter that same day if I agreed to pay it off. I made the payment and then she said they can only mail it out regular mail. I was told it would settle my account in full but they are reporting that I dispute the debt, AFTER resolving it. I asked to speak with a manager and she addressed me as " dear '' which I find very inappropriate and i viewed it as harassment. I called the next day and the said they submitted the request for the letter and they could not tell me when I would get a letter bit assured me the account was resolved after completing the settlement. I still have no record of the settlement being completed and now they updated my CBR to something inaccurate, respectively to what actually happened, in violation of the FCRA. They violated UDAAP by saying the account would be resolved as a settlement in full when that is not what actually happened and as well as promising me a paid letter the same day which was not done. I would not have made the payment if the representative would have told me that.
Product: Credit card

I am writing to file a complaint against Chase Bank regarding an incorrect fee applied to my My Chase Plan. This is a violation of their advertised promotional offer and contradicts information provided by their customer service representatives. Chase 's website clearly states that the first My Chase Plan created between XXXX XXXX XXXX XXXX XXXX XXXX XXXX on any credit card, is supposed to be fee-free for the plan 's duration. See https : //www.chase.comXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I tried to create my first My Chase Plan on my Chase credit card. Despite the promotion, I was quoted a monthly fee of nearly {$30.00}. I contacted Chase customer service on XXXX XXXX XXXX to clarify the fee. The representative explicitly assured me that there would be no fee, even though the Chase website indicated otherwise. Based on this confirmation, I proceeded with creating the My Chase Plan. Despite the promotion and customer service confirmation, I am now being charged the monthly fee. This contradicts both the advertised offer and the information I received from Chase.
Product: Credit card

Three times in XXXX months I asked for a credit limit increase. Credit score currently XXXX on their site. Was denied -stated there is a derogatory account on XXXX Credit score. When called and chatted with customer service, they stated there is no derogatory account and they stated I needed to contact XXXX for information. Stated there is no information and XXXX stated they can't assist because there is not information they reported. Stated it has to be internal information they are using.
Product: Mortgage

I had weather related damage to my house. I filed an insurance claim and received a check from the insurance company payable to myself, my wife and the mortgage company. I endorsed the insurance check and sent it to the mortgage company. Had part of the repairs completed by one contractor, the rest will be completed by a second contractor. The mortgage company is requiring I hire one of their inspectors to validate the work is completed on the first part before they will release the funds. They have advised me I must hire their inspector on the second part to inspect at approximately XXXX % and again when the is is at least XXXX % complete. Each inspection is a cost they will reduce my repayment by. The cost for each inspection is only {$37.00}
Product: Debt collection

I just noticed for the first time that 2 items appeared on my consumer report looks like XX/XX/XXXX from XXXX rental car. I only rented a car from this company once which was rented on XX/XX/XXXX. All fees were paid at the time of the return of the vehicle. I even confirmed with the rental agent who I did not feel comfortable with because he kept asking me to pay with cash each time that I extended the vehicle. I verified that there were not any charges. When I returned 3 months later with a friend, who was complaining about charges that was on her consumer report, we were informed that the agent that my friend and I both worked with at the rental car place was fired due to him doing illegal things such as stealing money, fraudulent charges on people accounts etc. during the time that this Information was provided to us I did not have anything on my report, now that I do I reached out to XXXX rental car which they stated that the only charge that they see is for {$100.00} which I requested the invoice however, I have a charge of {$100.00} and {$1200.00}. The rental stated that they have no knowledge of this and do not have anyone I can speak to. This is causing me emotional stress, and preventing me from getting my business started. XXXX rental car company has now sold the debt with my Information to a debt collector called summit A R.
Product: Mortgage

I have repeatedly tried to get in contact with Freedom Mortgage about a monthly charge for a PMI for the amount of XXXX. 

I have paid more than 22 % of my property and i called them on XX/XX/2022 to remove the monthly charge for the PMI. But no success. 

On XX/XX/XXXX I decided to send them a written message on their secure message center on the phone app. They haven't bother to reply. 


On XX/XX/XXXX, I sent them a new written message on their message center and still no reply. 

As today XX/XX/2022. I have paid more than 25 % of my mortgage home loan and I do not see them removing the Private Mortgage insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number XXXX XXXX  Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I was trying to sell a couch on XXXX. And someone messaged me about it. We were using Zelle to handle the transaction. 
Instead of them sending the XXXX $ I was asking for. I was scammed into sending they them {$900.00}. For upgrading my account to a business account and then government fees. 
The buyer was being pushy about me sending the amount so the so it can be completed and we would get refunded the total amount. Going further into it, the emails and everything they were saying/sending was feeling not right. The buyer kept being pushy about the transaction and even asked for me transaction history. I brought being not comfortable with sending large payments like that.
Product: Debt collection

My BANKRUPTCY was Approved on XXXX XXXX, and besides my Bankruptcy being on my CREDIT REPORT, there 's XXXX Collections from my Bankruptcy, that are on my CREDIT REPORT separately and I owe nothing on all of these XXXX Collections from Medical Reasons. 
The Company that did my Bankruptcy is know Bankrupt and went out of Business, so I ca n't get ahold of my Bankruptcy Lawyer to ask him how to remove these Collections from my CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
My account was compromised XX/XX/year> in the amount {$630.00} and XX/XX/year> in the amount {$430.00}. I had to create an entirely new cash app account
Product: Credit reporting or other personal consumer reports

I paid my car bill on time in XXXX XXXXXX/XX/year> as usual, but most likely due to the XXXX XXXX, my payment was delayed by 30 days. I just saw this now. I aiways pay my bills to avoid issues with my credit history
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

LVNV HAS CONTIONUSLY DEFAMED MY CHARACTER BY REPORTING EROONEOUS INFORMTION TO THE REPORTING AGENCIES EVEN AFTER I HAVE DISPUTED AND SHOWED PROOF THAT THIS IS ERRONEOUS INFORMATION THE AGENCIES WILL NOT REMOVE/DELETE THIS INFORMATION BEING REPORTED BECAUSE LVNV CONTINUES TO STATE THAT IT MEETS THE FCRA BUT WILL NOT PROVIDE VERIFICATION OF HOW THEY ARE MEETING THE FCRA THIS IS A VIOLATION OF MY RIGHTS AND IF THEY ARE NOT TO BE HELD ACCOUNTABLE THEN WHAT ARE THE LAWS PUT IN PLACE FOR THEY HAVE XXXX ACCOUNTS THAT THEY HAVE PURCHASED ARE THEY EVEN IN THE RIGHTS TO COLLECT ON THESE ACCOUNTS WHICH IM NOT CONCERNED WITH BECAUSE THEY ARENT ANY RELATION TO ME AT ALL I HAVE BEEN GOING BACK AND FORTH WITH THIS AND AT THIS POINT ITS TIME TO REACH OUT TO CFPB AND MY ATTORNEY BECAUSE THEY HAVE VIOLATED ON NUMEROUS OCCASIONS AND I HAVE PLAYED NICE BUT IN THE MIDDLE OF CLOSING ON A HOME FOR MY FAMILY THEY WONT TO REINSERT THEMSELVES WITH THIS AND NOT INVESTIGATE FULLY AND PROPERLY THEN I DONT KNOW WHAT ELSE TO DO I LOOK FOR A REPLY AND A REMOVAL/DELETION OF THE ACCOUNT LVNVXXXX LVNV-XXXX IMEDIATELY
Product: Credit card or prepaid card

I went through an unfortunate event as a XXXX  parent. I described how I lost my job and was struggling to make ends meet to my customer service representative. I asked them if I could defer my payment, and I was told that was not an option but they could notate on my accounts that I would be late and I could pay later. As a XXXX parent, I try to keep my credit report free of late payments. However, I had no choice but to take a hit in XX/XX/2023 for card and XX/XX/2023 on my other credit card account. Moreover, I was even more devastated when I saw on capitalone.com that you all offer defer payments and waived fees for those going through a hardship. I feel that it is not fair. My agent did not offer that to me when I asked. I'm begging you all to have compassion and please help me by forgiving me of the late payment and removing it from my credit report on both of my credit card accounts.