23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Cavalry SPV I , LLC as assignee of First Investors wrongfully filed a proof of claim with the XXXX  District of Oklahoma courts. This debt buyer cant prove that you owe the debt, the statute of limitations has passed, debt buyer cant prove that it actually has the right to sue you because I've never received anything from this company nor this company/companies on my credit report. This debt buyer is providing robo-signed or false affidavits regarding a so called debt against me. This company has several different states listed, it has Georgia and New York. They can not sued me in a state where I do not live or did not sign for the debt. This is fraud and they are trying to defraud the Federal Bankruptcy Court of XXXX  Oklahoma.
Product: Credit reporting

I reported last week that Rent recovery was reporting XXXX different accounts with the same amount. XXXX in the amount of {$3800.00} is listed twice on my XXXX and XXXX for the amount of {$3400.00} same date same amount but twice and they say this is legal and valid how? I noticed they took one off in XXXX but added it right back on which is illegal. I am attaching all the proof. I check my report every single day. I am trying really hard not to get a judge involved but it seem 's to be the only way because nothing is being done about it. I sent them a letter certified mail and they have failed to respond the letter was sent XX/XX/2016. Please investigate this company they are reporting inaccurate information and trying to collect on bogus debt and I can prove that as well because the company is no longer in business. No one has explained to me why is it on my report twice and for the same amount. I want it fixed and corrected. they removed the {$3800.00} but added it right back on twice. I ca n't wait to see them explain this to a judge. I have provided the proof they removed it and added it back on.
Product: Checking or savings account

My dispute was reversed after providing overwhelming evidence of returning an item I received because it wasnt the correct item and the dispute was still settled in favor of the merchant. I returned the item I received, I have tracking numbers and photos and still havent received my refund.
Product: Mortgage

On XX/XX/2017 I purchased a home near XXXX XXXX, XX/XX/XXXX. Standard Mortgage Corporation required that we escrow both taxes and insurance. At closing we prepaid a year 's insurance premiums ( {$1100.00} for homeowners insurance, plus {$1400.00} for flood insurance ). 

Now XXXX XXXX says they have not received any payments from Standard Mortgage and if they are not soon paid I will have to pay the premiums all over again, this time directly to XXXX XXXX. 

I have sent an email to Standard Mortgage and talked to XXXX XXXX in Customer Service when she called me today. She is not sure whether the problem is with Standard Mortgage or with the Title Company that did the Closing. I know that, per the Closing Documents, I paid the funds to Standard Mortgage, and therefore that is who should make the payments. XXXX XXXX has the correct address for Standard Mortgage 's Escrow Department in XXXX XXXX, XX/XX/XXXX
Product: Mortgage

I would appreciate your help with PNC. 

On XX/XX/XXXX, i asked PNC to put a hold on my loan payment and they agreed to do so for two months. I had to put a stop to all the payments. Since the pandemic there is no way to enter the building and do so. In that regard i reached.out to the PNC XXXX XXXX and i was in contact with XXXX XXXX, Miss XXXX put a hold of the payments and transfers, She mentioned that when i want to go back to the same process for paying the loan and transfer then i should call her back and reverse the process. I contacted via email Miss XXXX in XXXX and asked her to set everything back to normal due to the payment coming out in XXXX. I was very specific and i mentioned what accounts and she verified. I noticed XXXX i did not see any transfer from one account to another to make the payment for the Loan for the land. I contacted Miss XXXX via email and she mentioned that i am incorrect the payment is coming out in XXXX. I replied imminently and sent her a scan of my loan payment schedule the bank had sent me and expressed my concern. Miss XXXX not only ignored my emails she also ignored my phone calls. Due to that fact of knowing that she made an error i frantically transferred funds and as you know the payment coming out the i did not make the dead line and there was not enough funds, and my account borrowed from the line of credit. 
When i reached out to Miss XXXX again the next day she ignored my emails and my phone call she replied at the end of the day and very annoyed and rudely expressed that it was my mistake and not hers. 
I reached out to the branch manger and i expressed being a customer for 17 years thus having a loan for {$720000.00} which is paid off in the next two years. I am disappointed to that i was treated so rudely, causing my loan payment to take from my line of credit due to XXXX mistake, in which she is not acknowledge and willing to fix. I expressed if the bank is not willing to acknowledge and fix the mistake i would be happy to take my business banking to another bank. I also have that email the Bank manger XXXX XXXX expressed that would his pleasure and to help me move banks. 
I would like to express this is not the first time i have had an issue with Miss XXXX, another time i opened a bank account only in my name. She called my ex husband and told him that my checks are available to be picked up. I expressed very highly for there is no one else on my account and do not send the checks to my place of business. I would like a third party to step in and help with this issue and solve the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called experian and XXXX  XXXX multiple times. I have put in a fraud alert. I have reported it to identity theft.gov. I cant even log into experian because my mother made an account and opened fraudulent accounts. I have done everything i can starting XX/XX/20 nothing has happened.
Product: Credit card

I have a business credit card with Wells Fargo bank. XXXX this year they have held my payment until it was past due and then charged me a late fee and finance charges. The statements in question were due on XXXX/XXXX/2015 and paid on XXXX/XXXX/2015 and XXXX/XXXX/2015 and paid on XXXX/XXXX/2015. On both occasions I called and complained because it appears the payment I make are being held until the XXXX of each month, before they process them and I am told on XXXX occasions that is when they were received. I live in XXXX and the processing for Wells Fargo is in XXXX XXXX. Mail service generally takes 3 days for delivery between XXXX and the XXXX, yet some how no matter when I send the payment it is not processed until the XXXX of the month. Wells Fargo has denies any wrong doing, but has refunded the late fees, but refuses to refund the finance charges of {$3.00} and {$1.00} from these XXXX incidences. I have had enough of this banks practices and hope your agency will look into these questionable practices. They have told me I could give them access to my checking account so they can make direct withdrawl of funds or I can pay the bill at one of their banks, but they do not recommend sending a check through the mail anymore. I should not have to go out of my way to make these payments because of their practices of holding payment checks until the XXXX of the month even though it was sent in plenty of time before due. I have XXXX accounts with Wells Fargo and I am going to seriously consider changing banks after 20 years of banking with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experien is reporting 2 credit cards on my credit report that were stolen and used. This has been reported to the police and a police report was sent to Experien they continue to ignore the report.
Product: Debt collection

I received a call from XXXXXXXX XXXX, several in one day. The guy who I spoke to said to me, '' You keep disputing this debt, either you can pay it or ruin your credit. " ..., I hung up. 
I get another call from XXXX XXXX from a private number, same aggressive talking.I dispute this company on my credit report because information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion I need those hard inquiries removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent. I did not authorize this account. I have sent a notarized FTC report to XXXX, XXXX, TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never communicated with Capital One ( Auto Finance ) on XX/XX/2022, XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX on XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX or XXXX XXXX on XX/XX/2022 ( violation of 15 USC 1028 and 15 USC 1029 ).
Product: Credit reporting or other personal consumer reports

I called because my account has been compromised. Someone changed my email to log in and so now I can no longer access my account. They also were able to open an XXXX XXXX card in my name which thankfully I was able to close. I called Experian to try and fix this only to be told they can't help me they have to send me to member services. Member services is an automated line which does not have an option to help me and then hangs up. When I spoke with the supervisor XXXX he laughed at me and said only thing I can do is send you to the automated line. I said how are you going to send me somewhere that can't help me. He said sorry that is all I can do. They are no holding my credit hostage allowing someone else to control what they can do with my credit. This is absolutely NOT okay and they won't do anything to help me. How is this allowed! I have attached a copy of the email address that is not mine but is listed as the email address for my account. I even tried to reset my account with phone number and social security and that does not work either. This is absolutely unacceptable!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of the XXXX account ( partial account number : XXXX ) on my credit report. The information reported by Equifax contains significant errors and inconsistencies, violating my rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of this account from my credit report. 

Identified Inconsistencies : 1. High Credit : - The account is inaccurately reported with a high credit value of {$0.00}, which is incorrect and does not reflect the actual account details.

2. Credit Limit : - The reported credit limit is {$0.00}, which is inconsistent with accurate account information from other credit reporting agencies.

3. Payment History : - The payment history indicates significant delinquencies from XXXX to XX/XX/year>. These entries are inconsistent with previous records and can not be verified as accurate. 

4. Date of Last Payment : - The reported date of last payment is listed as XX/XX/year>, which conflicts with the information maintained by other credit bureaus. 

FCRA Violations : 1. 15 U.S.C. 1681e ( b ) : Equifax is required to maintain reasonable procedures to ensure maximum possible accuracy of information. The errors in the reported high credit, credit limit, payment history, and last payment date demonstrate a failure to comply with this provision. 

2. 15 U.S.C. 1681i ( a ) : This accounts history and values are incorrect, incomplete, and outdated. Despite these errors, Equifax has failed to correct the inaccuracies after previous disputes, violating its obligation to reinvestigate disputed information promptly and thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a dispute with TransUnion regarding an unverified account on my personal credit report with XXXX/XXXX. TransUnion deleted the account with XXXX/XXXX. TransUnion recently reinserted the account without my knowledge. I have not received any correspondence regarding the method this account was verified including the information that was initially requested from them. My rights have been violated, and I have expressed this to TransUnion with no recourse.
Product: Student loan

I hope this note finds you well! 

I was writing in regards to the recent news of Student loan company Navient canceling the debt for approx.. 66,000 people in a {$1.00} billion settlement. Im an individual who has felt the burden of massive student loan debt, and agree that Sallie Mae/ Navient are rightfully being accused of predatory lending, and giving individuals such as myself massive private loans, despite knowing that we had little chance of paying it back and then charging interest that drove us into debt.

While this settlement is great news, the provision that states only borrowers who were behind on payments for seven consecutive months prior to XX/XX/2021 qualify to have their loans canceled, but those who are current on their loans are not, doesn't ' seem to be very unfair. Im not sure if youve dealt with the harassing phone calls, and threats of garnishing your wages, but being forced to make payments or join their payment programs in order to not have your entire life and credit score ruined, is an extremely anxiety ridden thing to deal with.

PLEASE DO SOMETHING ABOUT THIS PROVISION as this is excluding a significant amount of people with an intense amount of debt, when they were only trying to better their continuing their education journey.

A predatory loan is a predatory loan and should be based on the qualifications of the loans themselves, how the loans were granted, and NOT necessarily how they were paid. Thank you for your time and consideration as this would be a live changing event for me and my family! 

Thank you for your time and consideration
Product: Student loan

Have called multiple times to set up payment arrangements will not give any options for repayment or refinancing. Company has lied and said that we were eligible for a repayment plan at one time and then changed it would not let me remove my cosigner on my loan due to me being a good Financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

Bull City Financial is trying to collect a debt in the amount of {$110.00} from XXXX XXXX. This account was paid in an insurance settlement with XXXX XXXX. I have contacted XXXX XXXX and Bull City Financial to have this account removed from my credit. Despite multiple attempts, this account remains on my two of my three credit reports. The account was removed from one of my credit reports when I initially disputed the account on all three credit bureaus, and was reported as " verified and accurate '' on the other two. I have provided documentation from Progressive insurance to both XXXX XXXX  and Bull City Financial detailing when the check was sent to XXXX XXXX and the date it was cashed by XXXX XXXX. I would be happy to upload that document here as well. I am trying to buy a house and this collection account is severely hurting my credit.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From my credit report, it shows a late payment forXX/XX/XXXX, calledXX/XX/XXXX, there was no late payment and I barely use that card. Also, I am the gold member with XXXX bank. This record destroyed my credit record, I have to have it fixed, thank you.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My identity was compromised in a recent major Data Breach. When checking my XXXX Credit Report I noticed a Collections Account from Spring Oaks Capital LLC, a Third-Party Debt Buyer. 

On XX/XX/XXXX I sent Spring Oaks Capital LLC a Debt Validation Request via USPS Certified Mail. I asked for A FULL AND COMPLETE INVESTIGATION AND VALIDATION to prove I owed this debt. Today I received a Response, showing information from the Original Creditor, XXXX XXXX XXXX XXXXXXXX. The Response shows I received an Unsolicited Check/Loan Offer dated XX/XX/XXXX from XXXX XXXX XXXX XXXXXXXX XXXX It appears I did endorse and deposit the Check on XX/XX/XXXX. Spring Oaks Capital LLC attached a Ledger showing all Activity on the Account with XXXX XXXXXXXX XXXX XXXXXXXX- the LAST ACTIIVITY WAS ON XX/XX/XXXX, RENDERING THIS A TIME-BARRED DEBT PER XXXX FLORIDA STATUTE 95.11.

Spring Oaks Capital LLC has knowingly reported this TIME-BARRED DEBT to the Credit Reporting Agencies in violation of FCRA, FDCPA and XXXX Florida Statute 95.11. By their actions Spring Oaks Capital LLC. has willfully and wantonly prevented me from obtaining Medical Care, Housing and Employment. I want this Account DELETED from XXXX, XXXX AND XXXX immediately.
Product: Mortgage

GOOD DAY I SUBMITED MY LOAN MODIFICATION REQUEST AND WAS GRANTED A LOAN MODIFICATION. I HAVE FOR THE LAST THREE MONTSH HAVE BEEN MAKING MY TRIAL MODIFICATION PAYMNET ON TIME. EACH TIME SENDING THE PAYMNET VIA CERTFIFIED FUNDS AND MAIL. 
I RECIVED A DOCUMENT FROM FAYE SERVICING THAT SAYS MY MORTGAGE PAYMENT WILL INCREASE ANOTHER XXXX XXXX DOLLARS NOT TO MENTION THAY HAVE INCREASED SEVERAL XXXX  OF DOLLARS TO MY PRINCIPAL MORTGAGE. I HAVE ATTCHED THE CORRESPONDENCE. 
I WILL CONTINUE TO MAKE MY TRIAL PAYMENT AMOUNT WHILE I ASK FOR YOU HELP IN GETTING SOME ONE FROM THERE EXCEUTIVE OFFICE TO PROVIDE A PAYMENT HISTROY, IN ADDITION AS TO HOW MY PRINCIPAL HAS BASCIALLY INCREASED BY XXXX  OF DOLLARS. 

I am writing to you regarding my loan modification document which I received on XX/XX/2021. I have left 2 messages for XXXX XXXX with no response. 
My principal balance on my Fay Servicing XXXX statement shows as {$240000.00} and my escrow balance shows as - {$9400.00}, total being {$250000.00}. The principal balance on the loan modification document shows as {$270000.00}. Thats a discrepancy of {$20000.00}. In my messages to XXXX I asked for a explanation of this discrepancy. 
I can not sign these documents without an explanation as there was never an agreement for Fay servicing to add {$20000.00} to my principal balance. 
As you are requesting these documents be signed, notarized and returned by XX/XX/2021, this issue is paramount. Giving me 5 days to review, sign and notarize is not acceptable. 
Please advise me of the discrepancy between the loan modification documents principal balance and my most recent statement from Fay servicing immediately. You may respond by email or you may call me at XXXX and/or call my HUD representative, XXXX XXXX at XXXX.
Product: Checking or savings account

First Republic Bank/ Chase - I submitted a fraud claim and all the supporting documents ( Police reports and case # 's, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX contact info. I made multiple attempts in contacting First Republic 's Fraud Department both via email and telephone and all of my attempts went unanswered. After First Republic Bank merged with Chase Bank, I also attempted to contact this bank, my attempts with Chase Bank have also gone unanswered
Product: Credit reporting, credit repair services, or other personal consumer reports

My addresses are incorrect on all credit reports. On my XXXX my date of birth is incorrect I was not born in XXXX I am not even XXXX.
Product: Checking or savings account

For the past 5 days, I have been trying to perform an online external transfer ( from the XXXX account, which is a High Yield account. The XXXX screen online states that my profile is " On-Hold '' and was told there was a restriction on my account. 

After speaking to a representative several times, I was told that the hold would be lifted as they were able to perform an identity check. As of today, the hold still exists and XXXX has not reached out to me to resolve this issue after the last time I contacted them yesterday. They claim that another department will reach out within XXXX, which of course has passed.