23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a a unverified account from NCB MANAGEMENT SERVICES # XXXX**. I had previously disputed this account. I have never done business with NCB MANAGEMENT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NCB MANAGEMENT SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NCB MANAGEMENT SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Bank account or service

I like to report that there has been fraudulent activity going on in my bank this is the banks from wells Fargo and XXXX XXXX XXXX I have also had accounts tried to be opened up at the XXXX XXXX in my name I have already disputed claim and written letter to well wells Fargo and XXXX XXXX XXXX they XXXX XXXX XXXX has yet to respond to the claims it has been more then 30 days and I have yet to receive a response from XXXX XXXX XXXX theat are now 3 days pass
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently acquired 2 mortgages with the company as automatic payment is strongly encourage to prevent falling behind on payment. On XX/XX/XXXX, I had set up Automatic payment on both account for automatic payment for draft for XXXX payment. In XXXX while checking account in XXXX, noticed on one of the account payment has not processed. 
called company and explained the situation, call escalated to upper management to explained procedure about removal of late payment notice from credit report. I was told to contact the Credit Bureau and will confirm with reversal of reporting. I was told it may take about 30 days for issue to resolved. I specifically told the Manager that i am in the process of purchasing a property and that would affect me qualifying for the loan as it would have a negative impact. 
This is the first ever payment with the company. I do emphasized that I have been familiar with the company rules. I was told once they received report from credit bureau, credit reporting would be reverse. 
On XX/XX/XXXX as I am ready to close on property, I received a call from my agent stating credit reporting has not been taking off, and getting the mortgage would almost makes it impossible. 
When I reached out to the company, I was told my request has gotten denied and was never made aware as I have been waiting for about 30-45 days period. This has been very misleading as I have done everything asked. I was told flat out " Claim denied '' can't be reverse.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After receiving my direct deposit from my job this company froze my account will not let my access my funds!
Product: Debt collection

The defendant violated my privacy and likeness by reporting false accounting to my credit report and failing to adequately validate the debt with the requested documentation.The defendant began reporting to my credit report XXXXXXXX XXXX and has refused to provide : Payment Agreement from Original Creditor, Original Contract with Wet Signature, Payment History and Proof of Auth to Collect. The defendant is unwilling to supply ALL documentation and are legally obligated to remove this account from my report. They were advised XX/XX/year> and XX/XX/year> that failure to do so will result in a lawsuit for statutory/actual damages and attorney fees, in compliance with FCRA 15 U.S.C. 1681n and USC 18 U.S.C. 1028a - Civil Liability for willful noncompliance, Aggravated Identity Theft, knowingly transferring, possessing and using, without lawful authority, a means of identification of me.
Product: Mortgage

NATIONSTAR MORTGAGE HAS FAILED TO CORRECTLY MAINTAIN OUR MORTGAGE ACCOUNT. XXXX 2016 REVEALED THAT THEY ADJUSTED OUR MONTHLY PAYMENT DOWN BUT UPON PERSONAL DISCOVERY LOCATED THAT THIS WAS DONE IN ERROR DUE TO THE COMPANIES ILL ATTENTION AND RESEARCH WITH OUR LOCAL COUNTY TAX BOARD TO CALCULATE THE ESTIMATED PROPERTY TAX AMOUNT. THEY ISSUED AN APPROXIMATE {$8500.00} REFUND AS A RESULT AS WELL. AFTER AN APPROXIMATE 6 HOURS ON THE PHONE TO CORRECT THE ISSUE, AN AGREEMENT WAS MADE WITH NATIONSTAR THAT US/THE CONSUMER WOULD ISSUE 2 CHECKS. 1 FOR THE MONTHLY PAYMENT AND 1 TO CATCH UP THE ESCROW ACCOUNT THAT THEY HAVE NOW SHORTED AS A RESULT OF THE ABOVE ERROR. INCLUDED IN THE OVERNIGHT PACKAGE WHICH INCLUDED THE ABOVE SAID 2 PAYMENTS WAS A TYPED LETTER OF HOW THE PAYMENTS WERE TO BE CREDITED IN ADDITION TO A NOTE IN THE MEMO SECTION OF EACH PAYMENT SAYING " PAYMENT '' AND " ESCROW. '' UPON ARRIVAL OF OUR XXXX MONTHLY STATEMENT, " NATIONSTAR '' HAS YET AGAIN FAILED TO SERVICE OUR ACCOUNT CORRECTLY AND APPLIED THE " ESCROW '' PAYMENT TO PRINCIPAL.
Product: Student loan

I co-signed a loan in the amount of {$27000.00} on XX/XX/XXXX in order for my stepdaughter to attend a program of study at XXXX in XXXX, VA. The school made promises of lifetime career counseling and job placement services as a benefit of enrolling in the program. The " school '' abruptly closed in XX/XX/XXXX, leaving many people completely out of luck and apparently, out of money. 

The original loan was with XXXX XXXX, and was taken over by Navient. Navient is who I have the issue with. My stepdaughter had the loan deferred and put in forbearance, and got a military rate reduction while her husband was XXXX -- now, in the year XX/XX/XXXX the balance on the XXXX loan is now over {$52000.00}. Circumstances have changed -- she is divorced and paying child support, has health problems and is not employed, so she isn't even able to pay child support. I had been making the Navient payments for her until the amount doubled with a rate change and I started trying to find out if it could be XXXX since the school closed. 
A Navient employee told me there was a good chance that this loan is dischargeable, but several others have given differing reasons as to why it is not. Meanwhile, I really can not afford a payment that is nearly {$500.00} a month. To avoid ruining my credit, I am trying to negotiate a lower payment with them, but I feel like the entire company has given us the run around ever since they took over servicing the loan. Exorbitant fees, different stories from different employees, no consistency in explanations, etc. Having read what others have gone through with Navient, I have no doubt that they are knowingly stealing from people for their own gain all the while covering their unfair business practices with a pseudo professionalism that's intended to try to calm the customer down so they will keep on paying.
Product: Debt collection

Company = Portfolio Recovery Tel # s : XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX I have had at least 50 phone calls from these people over the past 6 months. They never leave a message, and on the numerous occasions I have answered the call, no one responds. The last phone call i had from them was today, XXXX XXXX, at XXXX. 
I finally called them back today at XXXX, and asked them to remove my number from their database, they said they could n't do based on phone number alone, and asked for further personal information, which i refused to give them. The person i spoke to was called XXXX XXXX, a manager. 
Other than a mortgage that is very much up to date, i have NO debts. 
Any help stopping these incessant phone calls would be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute x2 with TransUnion regarding a Dept of Education loan that was paid in XX/XX/XXXX for {$840.00}. I have submitted a letter to them ( TransUnion ) showing a XXXX   Balance and they still refuse to correct the information and update my credit report and score. XXXX has. I started this at the beginning of XX/XX/XXXX. I just spoke to XXXX a supervisor yesterday who informed me the case was closed and it remains on my credit report. I need this information updated and TransUnion is not assisting me at all despite Dept of Education stating its a XXXX balance, XXXX removing it and a letter from Dept of Education to myself stating a XXXX balance. XXXX was rude indignant and basically told me to XXXX XXXX. HELP! Im trying to buy my first home and this is one thing preventing me from that. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letter to XXXX XXXX, and TransUnion was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter. 

XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was removed from two credit bureaus my XXXX  and my transit still sits on my XXXX  account Im Requesting that it be removed from My XXXX  at once it was fraud account open up not by me thank you Company XXXX XXXX XXXX Amount of debt : {$160.00} Collection agency Account number : XXXX
Product: Debt collection

on XX/XX/2020 a person by the name of XXXX from Convergent Outsourcing, Inc. Inc called twice about a debt owed. 

I explained it was my legal right to advise them to stop calling me and as of today i would like all communication and anything they needed from me in writing. 

She proceeded to say " I can't do that I need to verify myself '' and I repeated again to stop calling and to mail me communication. She then proceed to give me attitude about what I just asked for and said " tisk tisk tisk '' like I had done something wrong before just hanging up the phone on me. 

this was at XXXX EASTERN STANDARD TIME
Product: Money transfer, virtual currency, or money service

I made a chase XXXX  checking account on XX/XX/2025 via the website. After i successfully made my account, i linked my external bank account ( XXXX XXXX ). I waited 2 days for the micro deposit ( XX/XX/2025 ), verified it and proceeded to transfer {$2200.00} from XXXXXXXX XXXX into chase. It said it would go through i believe 2 days from then. Next thing you know i get locked out of chase and my account would be closed, one email saying i deleted my number from chase and another email saying i deleted my number from XXXX. On XX/XX/XXXX i went to a branch and spoke with a manager. Since the closing account process already initiated they couldnt do anything. He said after you make an account online, you have to go in person to fully verify it. I was never informed of this and was caught off guard. However i was able to make a fresh account. Everything seemed fine until i pressed pay and transfer and got the message ineligible for XXXX. XXXX isnt available to you. As well as when i tried transferring the same amount from XXXXXXXX XXXX to chase it rejected again but this time didnt affect my account. On XX/XX/XXXX i called all sorts of numbers from chase asking for help on this. I got many answers like they cant help me right now, to check XXXX later, speak with a branch again. So on XX/XX/XXXX i went back to chase and spoke with another manager. He was very nice and helpful especially considering this was around closing time. We got on a call with a specialist and he said there was nothing I can do. Chase just took away my access. Its been very frustrating trying to settle my checking account and not fully have all the features.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card

US BANK had a promotional balance offer on the cash+ credit card that includes terms that apply payments above the minimum to the lowest APR first instead if the highest. I was under the impression that according to the Credit CARD act of 2009 credit card debt was supposed to be paid from highest to lowest. When I brought this issue up on a previous offer they said " well, you have to read the disclosures and terms carefully '' I dropped the issue but have received another offer in the mail and believe this may be a predatory and illegal practice.
Product: Credit reporting or other personal consumer reports

Sent several disputes to verify information every time I was ignored and not sent any physical verifiable proof via mail.
Product: Mortgage

During numerous mortgage modification attempts we were denied approval. However, after many attempts on one occasion when we were finally approved the terms ( interest rate / added funds ) in the modification documents were different than what we were told by a Wells Fargo Home Mortgage specialist. Additionally the amounts added to our outstanding mortgage balance were never disclosed in the modification documents.
Product: Debt collection

On or about XX/XX/2018 i called XXXX XXXX to begin resolving an old debt of {$430.00} was referred to XXXX XXXX XXXX and made arrangements to have {$40.00} taken from my debit card every month until debt was resolved gave the man on the phone my name ss # amount to be taken debit card number, expiration date and security code. Completing what i thought were legitimate payment arrangements since that day i have recieved daily harrassing phone calls and today XX/XX/2018 i recieved a dilinquent notice. I immediately called XXXX was told they never recieved arrangements. I asked to speak to a supervisor she informed me that i agreed to pay {$71.00} which i did not. I asked for copies of my phone calls, i would have to wait until friday i tried to explain my predicament and was met with more harrassment from the supervisor telling me i told the rep. I lost the card made agreements i didnt make and i would be held to what information was falsely written on my account. Account At which point i became very angry and hung up the phone. I called them to settle my debt, become healthy financially. My name is XXXX XXXX XXXX the acvount number in question is acct. # XXXX thank you for your assistance in this matter!
Product: Credit reporting or other personal consumer reports

My only name is XXXX XXXX XXXX only address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX My on phone number is XXXX My only place of employment is little XXXX. 
Please remove all other information
Product: Checking or savings account

Navy Federal Credit Union has been applying over draft charges just before I have pending deposits. 

Dates - All of XXXX, but would like an investigation of the last five years since XXXX. I get paid bi-weekly.
Product: Debt collection

Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over XXXX dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact Ally Bank. Ally Bank sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and Ally Bank accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with Ally Bank. To no avail, Ally Bank is suing me for deficiency of payment. Ally Bank has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home. 

How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both Ally Bank and XXXX XXXX colluded together as they knew I could not make the payments with this predatory loan.
Product: Credit reporting or other personal consumer reports

In reference to CFPB ID XXXX. Experian and the XX/XX/year> update info after my dispute was investigated. I wish, if you XXXX, see how many times I filed a dispute about this XXXX XXXX for the same action. I have a freeze on my credit bureau accts. If I need to unfreeze them you need to inform me to do so. Another negative acct activity is a collection agency XXXX is for XXXX XXXX card services from my previous account with them. Status states XXXX XXXX {$1600.00} written off. I paid that account as well, when I received my first pymnt for SSI/SSD. And it was not negotiated for reduction because my XXXX and XXXX XXXX XXXX is who helped me get the XXXX XXXX card. Also the place I took it for deposit. If you can see my prior disputes I suspect you will find I have tried many times to get factual information replaced by negative action on Experian part. The negative XXXX  XXXX information is for a card I received application for from XXXX XXXX itself, without that XXXX XXXX, I applied and was approved. I still have a nasty letter I received from XXXX XXXX accusing me of wrong doing to receive the card and closed it suddenly in a very unethical manner. I know I have disputed XXXX  XXXX information of my history on my credit reports ( XXXX and Experian ) more than once.
Product: Student loan

Have been trying to speak with servicer ( Aidvantage ) for days at their phone number ( XXXX ) XXXX. Issue is that no matter the time of calling, no one answer the calls. You can see in social media websites other affected people with the same issue. Reason of calling there servicer is to apply the SAVE IDR plan made available by de Biden administration.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Mortgage

I was placed on  XXXX  leav e in 2016. Asked for a modification Packet from Ocwen. Completed the packet in its entirety. Certified the packet back to Ocwen. They  would not contact us, respond to emails, phone calls or certified letters.   2 months later they sent us a notice to foreclose.
Product: Credit reporting or other personal consumer reports

I am writing to express my utter frustration and disbelief at the abhorrent level of service I have received from Equifax in regard to a disputed inquiry on my credit report. Since XXXX, I have tirelessly and diligently attempted to rectify this matter, only to be met with sheer obstinacy and an unwarranted refusal to correct a glaring error on my report. It is nothing short of infuriating that Equifax, a company entrusted with such sensitive financial information, has displayed such blatant disregard for the wellbeing and integrity of its customers. This relentless stonewalling is not only unprofessional, but it undermines the very purpose of the Consumer Financial Protection Bureau and its mission to safeguard consumer interests. It is high time that Equifax be held accountable for its disgraceful conduct. The intransigence displayed thus far is nothing short of a gross injustice, and I implore the CFPB to take swift and decisive action to rectify this egregious situation. Your immediate attention to this matter is not only warranted, but demanded, as I refuse to accept anything less than a fair and just resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a bankruptcy on my credit report and I've disputed it many times with them. Each time they come back and tell me its verified through either the Bankruptcy court or XXXX. However, pursuit to the FCRA, this is inaccurate reporting. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Vehicle loan or lease

My car was totaled in an accident ( not my fault ) in XXXX of 2021. My XXXX XXXX XXXX paid XXXX XXXX in full plus {$2000.00} extra. XXXX XXXX will not settle this account despite taking the money. My mortgage applications are being denied because my credit report still shows I have this car ( and now 2 car payments ). I have begged and pleaded for 4 months and NOBODY not even supervisors are able to say why they will not close out this account and stop billing me for a monthly car payment.