23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called the company 7 times today and the first 5 I was immediately hung up up on. The 6th time I was told they could not access any information in my file. I asked for a manager and was told I was talking to a supervisor already and then hung up on again. The 7th and final call of the day I was told that my case was already being disputed but they could not tell me when the dispute started or even who started the dispute. I wanted an update on the dispute and they refused. I asked for something to substantiate that the debt was mine and they said they did not have it and I had to contact XXXX even though Sunrise Credit was on m report. I told them I have no business with XXXX and I want to speak with someone about removing the mark on my credit and they refused to let me speak to anyone. After I insisted on speaking to someone they hung up on me again.
Product: Mortgage

On before XX/XX/year> my house was foreclosed on by Shellpoint Mortgage Servicing. Which was illegal I have asked Shellpoint Mortgage servicing to show me the notes and endorsement which they can't do so because chain of title has been broken also they can't prove my home was seecutrized and foreclosure was illegal per ucc XXXX ( XXXX ) bank must prove the note
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I pull my consumer report and an eviction from XX/XX/XXXX is still present. I received a letter from the OCA which was handling the default judgment stating this would removed from my credit report within 90 days. That letter was dated XX/XX/XXXX. 

XX/XX/XXXX - I contacted the court handling the case and told them it was canceled by the OCA. I was told I had to take the letter to the apartment complex and ask them to vacate the judgment. 

XX/XX/XXXX - I went to the apartment complex to talk to them about this matter. I was told the letter was wrong, and that I owe {$4100.00}. I don't understand how the OCA could make such a mistake. 

XX/XX/XXXX - I apply for an apartment and I subsequently denied due to the eviction found by XXXX   tenant screening services. 

XX/XX/XXXX - I filed a dispute which included the attached documents. 

XX/XX/XXXX - I still have not heard about the dispute from XXXX.
Product: Mortgage

In XXXX, I took out a loan on property located in SC. I have paid on time-no exceptions. Part of this loan included PMI with very clear documentation from the lender that in accordance with federal law, the PMI would be cancelled upon buyer request meeting certain requirements. However, the documentation and the law itself clearly states the PMI will be automatically cancelled if the equity reached 78 % of the original loan value. 

As of XX/XX/XXXX, I have saved my money and paid down to 77.87 % which is clearly marked on the website and acknowledged by the escrow agent ( XXXX XXXX who wrote in response to my dispute. The website also indicates that the value of the home has increased by {$100000.00}. XXXX indicates the value has increased {$200000.00}. 

However all of that is irrelevant as the documentation and the federal law indicates automatically cancellation in the original value. 

Yet when I inquired as to the cancellation I was informed I had to pay for an appraisal. I filed a dispute. They have closed my dispute. 

Besides the fact I am being asked to spend more money to achieve something they are required to do my law, why would I trust them to do appraisal of my home to cancel the PMI the law requires them to automatically do? 

I have had no complaints with this company although escrow seems to continue to increase until this moment. I feel as if they are simply not following federal law. I will pursue this further and expect a refund if all PMI payments paid past point I reached XXXX  %. 

It is just deceitful, lack of notice, lack of due process to provide clear documentation of the PMI expectations that mimic word for word the federal law. And then change the rules once you reach the point as communicated within federal law and their own documentation of automatic cancellation. 

I want my PMI cancelled. I want this company to meet their documented information. I want this company to follow the law.
Product: Mortgage

Loan Number :XXXX Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone # is XXXX My number XXXX XXXX ( XXXX 's son ) XXXX On XX/XX/XXXX or XXXX I spoke with representative ( Mgr ) with Nationstar, Mr. Cooper who services our Mortgage. I was informed we can set up a repayment plan because my Mom fell behind with 2 payments so I was told to pay the {$3100.00} and they will set up a repayment plan of {$2200.00} per month on or before XXXX. We are not going to be able to pay the {$2200.00} until after XX/XX/XXXX or the first week of XXXX. I was told by the Mr. Cooper manager that if we don't make the payment before the XX/XX/XXXX they will start foreclosure proceedings. My Mom has XXXX XXXX XXXX and she is XXXX years old a Senior citizen and we just simply need a little more time to get up the {$2200.00}, we do not want to lose our house. It just seems unfair if we a financial hardship and we are trying to catch up. We have had payment deferred and a loan modification in the past. Can we get a little more time to start the Repayment plan at least until the XX/XX/XXXX, because we just paid $ 3100+ and have to turnaround within 30 days and pay {$2200.00} per month for the next 5 months. Can you please offer any assistance to my Mom. Anything you can do would be greatly appreciated. Thank You! 
XXXX XXXX
Product: Credit card

I do not recognize this account this account has been opened as a result of my identity being stolen it needs to be removed asap
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX Facts : XXXX is aware and has proof in the attachment labeled as XXXX XXXX XXXX XXXX XXXX  ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX  ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Student loan

XX/XX/year> Called regarding student loan payments of {$510.00} that are too high for my current income. I have had XXXX XXXX XXXX since age XXXX that continue to worsen over the last XXXX years all while being diagnosed with more illnesses. These chronic illnesses also resulted in me never obtaining the degree that I sought, further lowering my income potential. The compounding symptoms of these chronic illnesses have forced me to be unable to work without income while awaiting a social security XXXX determination. I was given options to lower payments for 12 or 24 months for myself and my co-signer but after the lower payment period these payments would go up to ~ {$700.00} or ~ {$1500.00} per month per respective plan. Co-signer on student loans is a XXXX veteran who has undergone a XXXX XXXX XXXX and is facing a XXXX XXXX XXXX XXXX due to complications from long-term XXXX illness. No consideration for his condition was given in either of these payment plans as well. 

Having retained a XXXX lawyer, I have been informed that it is currently taking around two years to obtain a XXXX determination from the Social Security Administration. Were I to lower payments for the assumed 24 months it will take to obtain that determination so my co-signer could better afford these payments I would then be facing payments for loans through this one servicer as large as the social security XXXX income I would receive without any regards to other financial obligations such as minimal basic survival. 

These repayment options are unrealistic, predatory, and take no consideration of the totality of circumstances leaving XXXX, low- or no-income, degree-less borrowers stranded with no real way forward.
Product: Credit card or prepaid card

My dispute is with Capital one credit card. I signed up for a free trial with XXXX and when I went on their website to cancel the subscription I could not because the page was no there. So I called capitalone and they gave me the phone number. I called that number and the number was non working and that number directed me to the website for issues. So after that, I called capitalone to dispute the charge. I called in multiple times and finally got it fixed. Then the next month I received another charge from XXXX. This was not supposed to happen because capitalone should have blocked the merchant. I called capitalone one again several times to complain then I received a notice stating that I will be charged the XXXX for the XXXX purchase that I did not make. I canceled. The I called a few more times and had to wait a half hour or more for a representative. Then they told me that another letter went out saying that I do not have to pay this charge and I have yet to receive this letter. This is ridiculous I should not have been charged again. I had to get a new charge card and block the merchant again. Not to mention that when I did call, the Indians on the other line asked me every verifying question there was. It got to the point where I asked them '' do you want my blood type too. '' I bring this up because I feel this was XXXX. You are only supposed to ask for 2 verifying questions if someone comes in unverified. I feel they did this because I'm XXXX and I guarantee they don't do this to everyone or they would have many more complaints. 
XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX is the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries repeatedly reporting on my credit report from XXXX XXXXXX/XX/XXXX on my XX/XX/XXXX Credit file and I never authorized or applied for credit with that company.
Product: Debt collection

I received settlement letters in the mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 to settle the account for 50 % of the balance-which I accepted and paid. After, I asked if the company would update my credit report to show the account was settled ; yet, they reported it as still derogatory and still with a balance.
Product: Debt collection

was contacted by letter in the mail on XX/XX/XXXX, the letter was dated XX/XX/XXXX. This letter is from a company called Jefferson Capital located out of XXXX XXXX, MN. This company seems to be a collection agency and they are trying to collect funds from a company called XXXX XXXX. They say I owe a debt of $ XXXX.And this was created in XX/XX/XXXX. I have never had a XXXX account and when I notified the company the first time they wanted me to verify my social security number I would not give it to them and the rep on the other line got very hostile with me. I informed them that they could discuss this debt with my attorney and that I have never had a XXXX account. I am XXXX years old and I use a bank not XXXX to pay my debts. The young lad I spoke with was very rude so I ended the conversation with her. The date I contacted them was XX/XX/XXXX upon receiving the letter about XXXX in the afternoon CST. I decided to call back on XX/XX/XXXX, and I received assistance from this young man, I told him that I did not feel comfortable giving my information such as my social security number and he told me that was fine, he then began to tell me about the debt so I asked him if he had an email connected to this debt since it was a XXXX account, he gave me an email of XXXX, I have never heard of this email and it does not seem to be something in English, I informed him that they had the wrong person and that I needed to dispute this debt. He informed me that he would file a dispute and if I had any information that would be helpful in the filing of the dispute to send it to Jefferson Capital System XXXX. XXXX  XXXX, XXXX, IL XXXX or XXXX XXXX  XXXX XXXX, XXXX XXXX, MN XXXX. I feel like whomever this XXXX person is they are running a scam and giving debt to people that do not owe anything trying to threaten in paying. Please help me solve this problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 credit inquiries were done by CB Indigo and XXXX XXXX XXXX. I did not initiate or give permission for these inquiries to be done
Product: Vehicle loan or lease

Personnell from challenge financial came to threaten at my home on XX/XX/XXXX for a car payment that I said XXXX done, I've had more than XXXX calls of them for the amount
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2024, I had to have some some repairs on XXXX XXXX. I didn't have the money, and the repair place suggested a the loan service Koalafi for the amount of {$2500.00}. Being desperate i signed up. I was told that I would have 90 days to pay it off before interest was applied. They would take {$210.00} out of each paycheck until it was payed off. I tried to pay extra to try and pay it off in 90 days but I was unable to. The 90 days ended in XXXX and I didn't pay close enough attention. Here in XXXX I saw that I had payed {$2600.00} but I still owed {$1600.00}. I tried to call and was told since I didn't pay in the 90 day that I still owed {$3000.00}. Since it was before the " year loan '', I could pay {$1600.00} at the " discounted 45 % '' amount. I just payed the amount from my Mom 's account, but it's horrible that a loan company could have such a predatory practice. In the 4 months I had to pay {$4300.00} for a {$2500.00} loan i needed for XXXX  repairs. I'm concerned that if they gouged me then they are gouging others.
Product: Debt collection

On XX/XX/2020 I sent a certified letter asking to validate the debt that is being reported on my XXXX and XXXX credit report. The collection agency name Receivable and their address is XXXX XXXX XXXX XXXX, Pa XXXX. I havent received and response via postal mail. They removed the account off of XXXX  but is still reporting on XXXX   and still havent heard anything from them validating the debt that I have no knowledge of the debt.
Product: Money transfer, virtual currency, or money service

I received a debit card in the mail from Cash app. It asked me to activate the card which I did not because I never replied for anything on the cash app website nor request any debit card from Cash app Cash app to say that this was probably fraudulent and wanted me to take a picture of the card so they can disable it and I dont feel comfortable with that if they sent it to me, then they should know the card number.
Product: Debt collection

I am writing to file a formal complaint against McCarthy, Burgess & Wolff regarding their actions that have violated my rights under federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am seeking relief and monetary damages for the following violations : Unauthorized Collection Account and Inaccurate Reporting : McCarthy, Burgess & Wolff has reported an account on my credit report that is not mine and is inaccurate. This fraudulent reporting has negatively impacted my creditworthiness and financial standing. I did not provide any permission for this account to be reported, nor was I notified that such reporting would occur. Obtaining Personal Information Without Consent : I discovered that McCarthy, Burgess & Wolff obtained my personal information without my consent and opened an account in my name. This unauthorized access to my personal information is a violation of my privacy rights and raises serious concerns about their practices and compliance with federal laws. Failure to Verify and Validate Debt : Despite my request to McCarthy, Burgess & Wolff to provide verification and validation of the alleged debt, they have failed to provide any supporting documentation or proof of the debt 's validity. This failure to comply with the FDCPA 's requirement to verify and validate the debt is a violation of my rights as a consumer.
Product: Checking or savings account

Navy Federal is violating my civil right and accused me of opening a account with them over 20 years that ways fraudulent and i did not open it they opened and account with out checking the identity of the person who opened the account but want to try and blame me for there mistake and cover it up. i told them in a appeal that i was a fraud Victim over 20 years ago and someone stole my personal information to open accounts and credit cards in my name i never signed anything to open any accounts i told them i was the victim for years and i am punished for something i did not do.i would never wish this on anyone. i was the victim. i also told them the person was arrested and charged for ID theft for using my identity. now im being told my saving account has a restriction. i am the victim and i have proved that XXXX  times but Navy Federal is trying to blame me for there mistake 20 years ago. also i was on XXXX with XXXX and could move and walk for years because of a accident. there is know way i would of walked in the bank or even called back then.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I submitted a complaint last year XX/XX/2023 regarding the inaccurate 60 day late reporting of my payments to XXXX XXXX. After the investigation XXXX concluded that the information was verified according to a letter that was mailed to me. Despite their claims of investigating the matter the errors remained on my credit report. I have substantial proof that payments were made and will attach them, which makes me doubt the type of investigation that was conducted. This violates FCRA section 611 ( a ), FCRA 623 ( a ) ( 2 ) .This negative reporting has not only destroyed my creditworthiness but has caused me to not be approved for other products and services, the credit reporting agency is engaging in unfair and deceptive practices by doing this, causing significant financial harm.
Product: Payday loan, title loan, or personal loan

On XXXX I received a check from XXXX XXXX in excess of the pay-off amount of my load with Lending Club XXXX The check was mailed that day to the address provided by their web-site for payments. At this time I also called L.C. and informed them the check was on it's way, gave them the check number and the amount, which exceeded the balance due on this date. All their calls are recorded. They told me that I should call back in 5 to 10 days to check the status of they payment. On the XXXX of XXXX. I called back and learned that during the period my check was in transit L.C. changed it's address and that it would take another 8 to 10 days before they would know where the check was. Even though I was in constant contact with them I still received collection calls and voice messages from them daily. On XXXX I called them again and ask them to stop harassing me and recapped everything I had previously spoken to them about. I also asked if I should have the check canceled and send a new one to the correct address and I was told not to. They said that they placed my account on hold and no late fees or penalties would be assessed back to the date the check was issued once they received it. On XXXX I called again and went through everything with them one more time they threatened me with reporting to the credit agencies that my payment was past due over 30 days if they didn't receive the check soon. At this time I reminded them they had made a promise to not do that, there would be no late fees or penalties and that since my account was on hold they would not report anything. I offered to have a new check processed by XXXX XXXX and have it overnight shipped to the address of their preference ( that address was, XXXX XXXXXXXX XXXX # XXXX, Lending Club Corp, XXXX XXXX XXXX  XXXX, CA. XXXX ) The New check was mailed that day next day air and the previous check was marked as stop pay. Today I received a notification that my credit score had changed, when I checked it had taken a plunge of over 120 points. I looked to see what happened and it was because Lending Club reported to the agencies that I had missed a payment and was over 30 days late. Exactly what they said they wouldn't do. About a week ago ( XXXX XXXX ) I received an email from L.C. saying that they wanted thank me for paying off my loan and that they balanced their books to find they were returning over {$8000.00} because there was extra money. I replied to their email immediately telling them that was impossible that one check was canceled and another one was sent and they needed to recheck their books. I never received a reply. After I received the hit to my credit score I logged into my old account and they have disabled my ability to make any actions, however they are saying that I still owe them over {$35.00} and there is no way to pay them unless I call and speak with someone. I next spoke with my contact at XXXX XXXX who informed me that L.C. did in fact cash the check on XXXX but they also tried to cash the canceled check too. I have requested to find out what day L.C. tried to cash that first check.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery 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.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. XXXX ) 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.