23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I submitted the second of two loss mitigation packages to Mr. Cooper f/k/a Nationstar Mortgage, showing that I had the income to qualify for a loan modification using 31 % of my gross monthly income. Despite my eligibility and financial qualifications for a loan modifications, Mr. Cooper issued a denial letter to me only six days later on XX/XX/XXXX, stating that XXXX XXXX XXXX, XXXX, the owner of my mortgage, does not allow loan modifications and therefore Mr. Cooper could not evaluate me for a loan modification. The XX/XX/XXXX letter constitute unfair and deceptive practices. This is because both statements referenced above are patently untrue and are made at my expense so that Mr. Cooper could unjustly enrich itself with foreclosure fees and XXXX XXXX XXXX, XXXX. could unjustly enrich itself with equity from my property. I know that XXXX XXXX does indeed offer loan modifications because 1 ) XXXX XXXX offers loan modifications in its Home Preservation Division and 2 ) it was required to do so under a settlement which Mr. Cooper reached with the Massachusetts Attorney Generals office which was recorded with the XXXX County Superior Court on XX/XX/XXXX. I have now submitted four loan modifications to Mr. Cooper and its predecessor, Nationstar mortgage, and am informed that I have an anticipated foreclosure on XX/XX/XXXX. I need the CFPB 's help to compel Mr. Cooper to approve my loan modification application. Please contact Mr. Cooper 's Office of the President and help me save my home.
Product: Student loan

Payment made XXXX 2015 was not credited to my account. Upon providing documentation of the payment clearing my bank account, Navient disclosed that they issued a check refund to another individual with the same name but a different mailing address ( the address has never been my address ; no relationship to the person they issued payment to ). Navient refused to either correctly credit my account or issue me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted PennyMac numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting PennyMac reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from PennyMac confirming the extension of my forbearance plan thru XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my 2 credit reports with XXXX XXXX XXXX, I noticed that XXXX XXXX is incorrectly reporting on my account. Per the FCRA & FDCPA all of the information must report accurately & fairly. They told me that they cant do a goodwill adjustment but I need to get proof of payment history so when I get ready to go to an attorney so Ill have the information to present to the small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name AFNI, INC. 
Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX This is not my debt. I have asked numerous times for the debt to be validated with my signature or any legal way. The other Credit Reporting agencies removed it, but XXXX  and some others wont. I have no idea what this company is or what the debt is, And I want it removed immediately. They had 30 days to show proof of debt of ANY KIND, and never did.
Product: Checking or savings account

In early XXXX, I found an offer from Citibank to open a new checking account with them ; leave {$15000.00} in the account for 2 months, then they would give a {$300.00} bonus. About 1 and a half months later, the account was closed. After calling customer service, I was told that the account was closed as a result of my lack of response to a call they made to me on XX/XX/XXXX. In fact, my phone log says that I called them back about an hour later the same day. Otherwise, I had received an email on XX/XX/XXXX after activating the debit card they sent me, and on XX/XX/XXXX, saying that my transfer had gone through. However yesterday ( XX/XX/XXXX ) I received an email saying that the transfer did not go through and that the account would be closed. I have a feeling that Citi is systematically closing accounts rather than paying out the bonuses they offered to account holders. I would happily have put the money in a high-interest account were Citi not to have made that offer, but instead, Citi has been making interest on my money and left me out to dry.
Product: Debt collection

This debt started and ended in XX/XX/XXXX. I had an employer stop payment on my paycheck and then the bank started accruing overdraft fees. I never even attempted to pay it, because the debt was going so high and out of reach. LVNV tried to put my last transaction date as XX/XX/XXXX ( never happened XXXX so I filed a complaint about them and they responded by saying they would remove themselves from my credit report. Now this Company " XXXX '' is trying to collect an 8 year old debt that started out as a fraction of the actual amount. I would like them to provide me with proof I have had anything to do with this account in the last almost 8 years.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized l, 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 request and investigation into my account transactions.
Product: Consumer Loan

Since my auto loan conception, my payments have been paid in full and upon review of my credit report, the submitted payment of $ XXXX/mo. has been reflected as $ XXXX/mo.. Although it does not indicate any form of past due balance nor negative/derogatory information, I would like to request that this be adjusted for accuracy.
Product: Mortgage

To whom it may concern ; My legal name is XXXX XXXX XXXX. 
My maiden name is XXXX XXXX XXXX. 

I need help before it's to late and I loose my home. During my bankruptcy, apparently, my loan was sold to a Carrington Mortgage XXXX. I concluded the bankruptcy back in XXXX of this year and was given the address within Carrington Mortgage to where I was to begin to send my mortgage Pymt. My pymts went from 9 something now to about 1400. dollars. I asked why and they claimed my taxes and insurance went up. Didn't matter, I paid it. 

I follow the instructions given up unto I was told now to send the pymt 's to the address on the Pymt vocher : still to Carrington Mortgage. 

I recently just received my mortgage statement and it is stating that I owe over 5000.00 plus dollars of no pymts plus late fees and penalties. 

This is the ironic part to this nightmare, I use cashier checks to make my pymts ; and XXXX XXXX has sent a copy of 1 of the cashier checks that was missing for the month of XX/XX/2020. This cashier check was deposited into someone else 's mortgage acct. The Carrington Mortgage clerk, who deposited the check in the wrong account, put the mortgage number on the cashier check to where it was deposited. 

Once I showed and verified this with one of Carrington Mortgage Debt Collection Clerks and admitted that to a fault of my own, I was not notorious for putting the loan number on my cashier checks. She stated that it should not have mattered because they use other identifying factors as well. As she began to fix the problem I thought, I instantly believed in her abilities because she gave me her supervisors email, XXXX : and had me forward what the bank sent to me, which was the missing cashier check in question for XXXX XXXX where is this 5000. plus dollars coming from : because of this, I have not sent in XX/XX/2020 XXXX. 

Well, she assured me that the matter would be cleared up in about a week. 

This turned out not to be accurate. He never emailed me back at no time to let me know anything. Now, when I pull him up in my email an attorney 's name or legal company come up, XXXX. 

I simply want my peace in regards to my mortgage and home back from Carrington Mortgage XXXX 

What am I to do? 

My point of contact is : XXXX : XXXX. 
My email is : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an inquiry was placed on my credit report that I did not authorize and it is fraudulent, it is in fact hurting my credit. I have tried getting them removed but I have had no success. The fact that it is supposed to stay on my credit report is a violation of my right under the FCRA. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presumethat no proof of the alleged debt, not therefore any such debt, in fact exists.
Product: Debt collection

Explanation of complaint : This XXXX  office, XXXX XXXX XXXX XXXX, never sent me notification of payment due after billing my two insurance companies. In fact, they claim this was a running balance even though I was back in the office for a repair of a crown, because of shoddy workmanship, and they told me I had a XXXX balance. I was recently ( XX/XX/XXXX ) served a summons for a lawsuit for a principal balance of {$160.00} which has now ballooned to {$440.00} including court fees. I was blindsided by this and contacted the XXXX  office who confessed they had an incorrect address on file and never called to resolve this. I updated the address with them, when it changed in XXXX, but they inputted the wrong zip code. Because of this I now owe a {$440.00} judgement. Please see attached. 
The address they had on file was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ... the correct address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. They either forget to change the zip code from my previous address, which we had all mail forwarded to XXXX address, or simply inputted the wrong zip code. 
At any time we could have been contacted by phone to resolve this issue but we were never contacted. The collection agency said the left a message, which I never received and sent a mailer which I also never received. I do not have any accounts in collections this has affected my credit report severely. And the XXXX  office manager and account manager say they can do nothing but refer me to the collection agency.
Product: Debt collection

I was given a summons for a debt that is past the statute of limitations and now being sued without knowledge that I was or could have been sued. I had already set up a payment plan and got served papers. Now I am feeling threatened and worried that my life and children 's will be ruined because of this. I am on a fixed income and do not know how I will afford any of this now.
Product: Debt collection

Convergent has requested a bill for XXXX however I have not been able to verify that this debt collection is anything I owe for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has 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 DBA XXXX XXXX XXXX {$1100.00} {$1400.00}
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion regarding a debt reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of disputed information and provide evidence of the verification process. However, despite claiming that they completed an investigation, TransUnion has not provided any documentation or proof that the debt was verified. 

This lack of documentation suggests that no proper investigation took place, which violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The FCRA requires credit reporting agencies ( CRAs ) to verify the accuracy of disputed information and delete it if verification is not possible within the 30-day investigation period. TransUnion has failed to comply with this requirement, as the debt remains on my credit report without proper verification. 

This is not an isolated issue. In XX/XX/2022, the CFPB filed a lawsuit against TransUnion for similar FCRA violations, including failure to investigate disputes and continued reporting of inaccurate information. My experience reflects these same patterns of non-compliance. 

I also invoke my rights under Section 609 of the FCRA ( 15 U.S.C. 1681g ), which entitles me to request all documents used in the verification process. TransUnion has not provided any such documents, further indicating a failure to meet their legal obligations. 

This issue is causing harm to my creditworthiness and financial standing due to the continued reporting of inaccurate information.
Product: Money transfer, virtual currency, or money service

I sent {$1200.00} to XXXX to a XXXX  there who needs the money to buy XXXX  to the US. The transaction was : You sent XXXX  {$5900.00} XXXX  to XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transaction Details Transaction ID XXXX Transaction date XX/XX/2024 SENDER XXXX XXXX XXXX RECIPIENT XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Funds will be available to your recipient on or before : XX/XX/2024. 
Money sent XXXX  {$5900.00} XXXX  = {$1200.00} USD Fee {$0.00} USD Paid with : XXXX XXXX {$1200.00} USD This transaction will appear on your statement as PAYPAL XXXX You paid {$1200.00} USD ( the amopunt was withdrawn from my bank ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX receive XXXX  {$5900.00} XXXX  Recipient may receive less due to foreign taxes. 
Currency Conversion Converted from {$1200.00} USD Converted to XXXX  {$5900.00} XXXX PayPal 's Conversion Rate XXXX USD = XXXX XXXX  This rate includes a currency conversion spread. 
PayPal released only about 20 % of the amount to the recepient, and said that the rest will be released around XX/XX/XXXX. The money is urgently needed to buy a ticket to the US for this XXXX  ( he alraedy has the US visa ). There is no reason to hold on to the money by PayPal. When I complained ( twice ) to PayPal they gave me some idiotic explenation that the " recepient Paypal average transaction amount was exceeded ''. Makes no sense. They said that the recepient must call the XXXX  office of Paypal to release the remaining money. XXXX XXXX has spent one entire day trying to connect to the XXXX  number of PayPal, without success. In the meantime the cost air fare is increasing. I spoke to three different people of PayPal, including a supervisor, without any effect. Please order PayPal to immediately release the money to the recepient, or to return the money to me immediately. 
Thank you XXXX XXXX, XXXX
Product: Debt collection

For months this Company has been calling me ( and 3 other family members who do not share an address with me ) about an old debt that I assumed was settled but can not verify. They state that they have repeatedly tried to serve me papers at my home address which they will not verify for me when asked. They emailed me a " contract '' but when I asked to mail me all documents and to verify this debt owed they refuse by saying that's not how the system works and they can not trust me to respond.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX XXXX XXXX XXXXcount # : XXXX - Balance : {$1200.00}
Product: Debt collection

Rocket Mortgage requested verification of home owners insurance in XX/XX/2023. This was submitted by homeowner via XXXX. Again a request was sent asking same information. Chat message sent by homeowner as well as attempted phone call with no response from Rocket Mortgage. A third request was sent and homeowner had XXXX fax verification of insurance to Rocket Mortgage. Homeowner then received notification that insurance was being purchased by Rocket Mortgage for homeowner. Homeowner then sent verification via certified letter and still no response. Rocket Mortgage now has homeowner in delinquent status and reported to credit agencies. Attention to get this corrected appreciated
Product: Money transfer, virtual currency, or money service

I received a notification from PayPal that my account was locked because of " suspicious activity. '' In order to unlock my account, PayPal demanded several items including ( but not limited to ) my bank statement and a photograph of myself. I did not feel comfortable providing such personal information to PayPal and I also believe that the service has no right to such personal data. Since I rarely use the service anyway, I decided to close the account and informed PayPal of my desire to close the account. PayPal refused to close the account and has continued to demand the items cited above as a condition not only of unlocking my account but of closing it, as well. 

If PayPal suspects that my account has been compromised, that is all the more reason to close the account and to honor my request that it do so. Instead, PayPal, which has my credit card information, is basically holding my credit XXXX until I hand over date to which it has no right. 

All I want to do is close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my identity stolen few times before and still have some on going issues, specially with my credit report. I have filed a police report about a year ago regarding some incorrect information pertaining my credit report and need this to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank is still reporting a charge off to XXXX from XX/XX/2016. The reporting is listed in a negative context as a charge off status within the report. The negative balance of {$320.00} was resolved with the third-party collections firm utilized for collection by Fifth Third Bank. Per the discussion and agreement with the collection company, this would not be listed or reported in any way to my credit report including XXXX. Neither Fifth Third Bank nor the collection company has upheld their commitment to not report negative information and/or remove negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( Department of EducationXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time filing a complaint with the CFPB in regards to Experian and the incorrect information that they continue to furnish about me on my consumer report. In addition to disputing this with the CFPB I have also disputed these incorrect address with Experian more than twice. The address on my consumer report states that I have lived at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This isn't nor has it ever been my address. There has been fraudulent activity in regards to my identity. Both XXXX and XXXX have removed this incorrect address. I am seeking the help of the CFPB again on this matter. At the time of disputing I sent my ID along with personal mail confirming address. XXXX XXXX XXXX isn't nor has it ever been my address. PLEASE DELETE!
Product: Debt collection

I notified the company that my identity was stolen during the XXXX and XXXX XXXX breach. And provided documents to prove that now they are sending letters of taking legal action and damaging my credit every month.
Product: Credit card or prepaid card

I was a victim of fraud which was quite unfortunate. My information was stolen and I later found out that my card had been used to make purchases. There was a spending spree that tool place and doesn't match any of my spending habits or patterns and wouldn't do. Upon my noticing I immediately contacted Capital One fraud department and they informed me that wouldn't be responsible for any of the charges because of zero liability and I didn't have the card. There were several charges spanning from XXXX. I received a letter recently informing me that investigation was completed and no fraud found. How?!! That isn't possible. I contacted rep on letter and after several attempts finally got to talk to him and he was very rude, harsh and dismissive of me. A terrible experience. I informed that I didn't/do n't have the card so how could I be responsible for charges when I didn't make them and also informed him there is no evidence that would even suggest I did or no proof!! This is not within policy and I am not responsible for the charges. I didn't have the card, didn't authorize any one on my behalf to use and also contacted them as soon as I notice. The total charges amount came up to {$3900.00} and I would never run up that amount or spend that at one time. History shows that and looking at places listed its outrageous. Most of these locations aren't even suited for me. They also have an old address of mine listed where some one could have interjected and taken the mail. I haven't been there so I wouldn't know. I did not make those charges and was informing but they didn't care to listen at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX