23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is for a debt collector company name " EOS '' Around XXXX I attended XXXX University graduate XXXX, and now XXXX the school long been close for fraudulent activities but ever since late XXXX my mother been receiving robocalls from EOS company, they are stating that she has cosign for me when I attended that Fraudulent school " XXXX University/XXXX  '' back in XXXX when supposedly the lawn were so-called taking for the amount of {$4000.00} which now become {$5000.00}!!! Who had long shut their doors for lawsuits against them for misleading people by attending they're so-called UNIVERSITY. 
I was unaware of these robocalls to my mother! Today after answering one of the EOS Operative impersonating to be a lawyer, and a debt collector. Who stated that if I Am XXXX XXXX which I reply Yes, and give my new address which I just move in with my wife about last month on XX/XX/XXXX to be exact! Then I tried to complied with him and he was being very rude too. Then that trouble my mind so I call them again to tried to get some more info from them but this time a lady pick up! They even tried to say that they have spoke to me on several occasion which I have no knowledge off because after I contact my mother! She indeed told me shes tired of these people tried collect a lawn that we don't even remember taking from that XXXX school! But again it's " XXXXXXXX '' affiliates! They even mention to me they have repurchase the lawn from another lender after 12 years! To tried collect the debt that is in collection ... it's company like that! That make this generation believed in that new " College is a Scam '' movement. Because of robo calls and malpractices on they're way of going and tried to accused people and kept them in bondaged that they knew not or debt that have may have been long expired. Please I will like for CFPB to assist me on this matter. 
I and my mother truly don't know about that lawn she have cosign on my behalf 12 years ago. The company tell me over the phone that! I'm in collection which not true! And if I am they may have reported that XXXX so-called debt of there's today XX/XX/XXXX after pick up they're anonymous call. I know nothing of that Private School lawn that XXXX may have misused my information without my consent! Honestly don't know All I know is that I have school lawn with " XXXX XXXX '' Now become XXXX! And been making my payments etc ... Truly I wasn't aware of that so-called private till to day. 
So Please CFPB I need help resolving this.
Product: Debt collection

I was a victim of identity theft and I had provided all the necessary documentation to FROST ARNETT they can't even provide me with a valid account number. I had asked on several occasions to DELETE the following account from my credit report since it is causing me financial distress and is an Inaccurate Item reporting on my credit report. 
DELETE - FROST ARNETT - No Account Number Provided DELETE - XXXX XXXX XXXX DELETE - XXXX, XXXX, I DELETE - XXXX XXXX XXXX XXXX
Product: Mortgage

3 years ago ... we received a Shared Modification from Ocwen ... They are the epitome of a THIEF. Thy request invoices and documents of what was updated in our home. We submitted them and they have the nerve too say we can not confirm. ARE THEY A BUNCH OF XXXX OR WHAT. We fixed and updated our bathroom utilizing XXXX XXXX to complete the job. W also used a glass company to replace the Shower door. sent in those invoices. They are fools and idiots and I am tired of going back and forth. WHY ARE YOU PEOPLE NOT DOING SOMETHING ABOUT THIS COMPANY. 
I have had it with them trying to rip us off. 
Now the invoice for the shower is {$4200.00} and the invoice for the shower door is {$1300.00}. Where they got the invoice where they saw {$780.00} is beyond me. They are bunch of XXXX people. Also submitted invoice where new roof was done, gutters replaced and siding and new windows. 
NOW YOU HAD BETTER TAKE CARE OF THIS AS WE ARE FED UP.
Product: Debt collection

This company have been calling my mother in law, leaving message on her voice mail saying there are papers I need to be served with for a debt I owe. 
They also called my brother in law letting him know if I do n't pay the debt my wages will be garnished. 
They contacted my ex husband and told him I owe a debt that needs to be taken care of, and there is legal action filed against me for which I need to be served ( this has been threat for the last year ) When I call the company back and asked to send me a bill and I would gladly pay whatever I owe I was told they do n't send bills and I need to provide my credit card or bank information over the phone, which I refused due to not knowing if this is valid debt or not. I also asked the company for their name and addressed and they refused to provide that information to me. My intention was to send them letter stating to cease any communication.
Product: Credit reporting or other personal consumer reports

The following account is reporting on my report as deleted and it isn't removed from my report. I am asking that you please remove this account because It doesn't belong to me. There is also an inquiry reporting on my report and I never authorized for any of this to be added.
Product: Debt collection

Last week I was alerted by XXXX XXXX  that Transunion reported a debt collection on their credit report. The company listed is a collection agency. They name is the company seeking payment is XXXX XXXX, in the amount of {$90.00}.

1 ) I never had an account with XXXX therefore the amount is fraudulent and someone there must be held accountable. Fine, imprisonment, restitution, whatever the existing law states as the punishment.

2 ) I can not dispute the fraudulent debt owed on XXXX XXXX XXXX  site because their site isn't working. ( Multiple error messages when I try to submit a dispute over multiple days. ) 3 ) I can not dispute the fraudulent debt owed on Transunion 's site because their site isn't working. ( Multiple error messages when I tried to submit disputes over an 4 hour time frame in one day. ) 4 ) I called Transunion this morning to dispute the claim and XXXX, the XXXX  rep that answered, refused to dispute the claim.

The debt is not mine, I owe XXXX  nothing and they and Transunion should be punished accordingly in sullying my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding my Experian credit report ( XXXX ) concerning XXXX XXXX XXXX XXXX XXXX XXXX ). This account was deleted from both, my XXXX XXXX ( as of XXXX ) and my XXXX XXXX ( as of XXXX ). Experian has failed to update their records to reflect that this negative information is no longer being reported to the credit bureaus or credit reporting agencies. In XXXX of XXXX, I subscribed to Experian 's Credit Works Premium and on XX/XX/2022 they provided credit information from all three credit bureaus, so they knew that this account had been deleted ( see credit score for XXXX provided by Experian ). It has been over a year since the deletion of this account and still, Experian has not followed suit and deleted it.
Product: Mortgage

Nationstar Mortgage LLC illegally foreclosed on my home XXXX XXXX, 2014. I do not have a mortgage agreement with them. They are a debt collector who claimed they were my mortgage company but I never had a signed agreement with this company.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/year> Status Open. {$340.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$17000.00}
Product: Credit reporting or other personal consumer reports

XXXX attempted to unfreeze ( XXXX XXXX ) credit from all three credit bureaus. I was quickly successful with XXXX and XXXX. However, with Transunion my login attempt came to an end when an indicated 2-factor authentication was required and a 6-digit code via email was to be sent. 30 minutes later no email had arrived. I had already been on hold for 30 minutes while waiting for said email. The four times I attempted to login, each time, was told an email had been sent. I searched my spam/junk folder - no email. As I was waiting I attempted to chat online with a representative of Transunion. After 10-15 minutes was able to chat with XXXX which XXXX to her asking if I had a free or paid account. I was then given another number to call. It was the same line ( different number ) as the one I had been waiting for a " busy '' representative. I told XXXX ( chat rep ) I had checked my email spam/junk folder and she said they knew there were problems and email could arrive after 20-30 minutes. At that time I had already been waiting for the email for more than 30 minutes. TransUnion is holding hostage my credit report- via unfreezing. I will be asking my congressional representatives and senators to look into this. It seems because of the question XXXX asked, that only those consumers who pay for their service get access to their credit reports and the ability to freeze and unfreeze their credit. The creditors are charged for my information and thus TransUnion gets paid. I should not have to pay for access to my credit. It is my information they collect. I should not have to pay and their customer service should be stellar. It, unfortunately, is NOT.
Product: Payday loan, title loan, or personal loan

XXXX XXXX is an illegal lender in the state of XXXX. I have tried to call them many times to address issues I am having with repayment. The company is unwilling to work with me. I told the company I was having some health issues and they demanded to look at the amounts I was paying for treatment through my bank account. They were also requiring a doctors note to assist with payment arrangements. The loan was {$900.00}. I have since paid {$1500.00}. 

Their agreement also does not allow customers to revoke XXXX. Their agreement states even if you revoke XXXX, if there is still a balance due, they can continue to draw on your bank account which is not legal from my understanding.
Product: Mortgage

Planet home lending took over my loan from XXXX earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX/Month. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX/Month. This was XX/XX/XXXX and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX/month since XX/XX/XXXX but all of sudden, my XX/XX/XXXX monthly payment jumped to $ XXXX/month. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XX/XX/XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until XX/XX/XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.
Product: Credit card

When I trying to book a flight with XXXX XXXX the website shown a promotion for XXXX reward points as sign up award. However when I receive the card and sign up online the promotion changed to XXXX. I raised this with XXXX XXXX number of times. Initially they said this was a mistake they will put a case through. Then second time they said they were sorry but they cant offer XXXX as promised by the website. XXXX is max they can offer
Product: Credit card

Citi Bank North Dakota reported a 1099-C to the IRS in 2018 for over {$8000.00}. I did not know anything about this account or the 1099-C. The IRS adjusted my return for that year and now I owe the IRS over {$1800.00}. I have been trying to get information on this credit card loan account they reported and Citi bank has been giving me the run around for over two years. The account is a Ex Spousal Identity Theft Fraud account. I did not authorize it or have any knowledge of him opening accounts in my name. He did the same thing to our XXXX XXXXXXXX children. Citi Bank refuses to provide me with any information on this account.
Product: Credit card or prepaid card

I requested XXXX XXXX  ( XXXX  Credit card ) to do an audit of my account because I was inaccurately charged interest for an item that was returned and a late fee on my account although I was paying double payment due. 

I returned a handbag on XX/XX/XXXX, but XXXX didn't timely credit my account until XXXX XXXX, XXXX. I was paying interest based on the {$110.00} charge that should've been credit to my account XX/XX/XXXX. The interest charged on the account needs to be adjusted, especially the amount of {$57.00} charged on XXXX XXXX, XXXX. 

In addition, I was charged late fees XX/XX/XXXX ( {$32.00} ) and XX/XX/XXXX ( {$27.00} ) although I paid double the amount due.
Product: Checking or savings account

I am writing to express my deep concern and dissatisfaction regarding the recent Non-Sufficient Funds ( NSF ) fee that was applied to my account, despite my enrollment in the XXXX XXXX XXXX XXXX ( OOPS ). 

It is unfair to consumers that Navy Federal Credit Union continues to charge NSF fees in situations where other major financial institutions, such as XXXX Bank, do not, given similar overdraft protection plans. The practice of imposing these fees, despite protections like OOPS being in place, is not only unjust but places an unnecessary financial burden on your customers. 

I am requesting that Navy Federal Credit Union immediately cease the practice of charging NSF fees when customers have enrolled in OOPS or similar protection services. This fee should be reversed on my account, and moving forward, this policy must be reassessed to better align with consumer expectations and industry standards. 

As a valued customer, I expect XXXX XXXX to prioritize fairness and customer satisfaction by eliminating these excessive fees. Please confirm in writing that this charge has been reversed and that steps are being taken to prevent future occurrences. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that was being reported by XXXX different creditors on my consumer reports with the XXXX XXXX XXXX, initiated over 6 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to no avail.
Product: Credit reporting or other personal consumer reports

I have tried to get this information fixed on my account because it doesn't belong on there and the company still keeps it on there. Please get this information off of my account now. The accounts are : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX , XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX, XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXThis is all that they have on my report and if I hadn't looked I would have not known that my credit report is a stowing place for junk.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI [ XXXX ] Last XXXX of XXXX : XXXX Credit Bureau : XXXX, XXXX, and Experian RE : Reinsertion of unverified accounts To Whom It May Concern, On XX/XX/XXXX, XX/XX/XXXX, I disputed accounts reported by XXXX, XXXX, and Experian in the file you maintain under my Social Security number. 

I was informed on XXXX, XX/XX/XXXX, XX/XX/XXXX that the negative item ( XXXX ) were deleted from my credit report. Now I have discovered that the items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, MI XXXX Unit XXXX DL number : XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following items on my credit profile. I have noticed that your company was sued by the CFPB for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take adequate steps to intake, process, investigate, and notify consumers about disputes, leading to incorrect information on credit reports. This inaccurate or false information can jeopardize consumers access to credit, employment, and housing. 

Additionally, I have learned that your company has a reputation for informing consumers that you will not investigate accounts if they have been previously investigated. It is now evident that these investigations were not conducted properly. I am demanding that you reinvestigate these items and ensure that any inaccurate information is removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I experienced water damage to my home XX/XX/2015. My mortgage lender refuses to pay interest on the claim funds held in escrow despite California law ( California Civil Code ( 2954.8. Payment of Interest to Borrower ).
Product: Mortgage

In XXXX of this year I received a notification when I logged in to my XXXX account that XXXX Mortgage reported ( XXXX ) mortgage lates on me and my husband 's credit reports. 

Completely startled by this information I immediately called XXXX Mortgage. I was told by the Representative that an escrow reconciliation was completed on my account and that my payment was increased by $ XXXX due to this. I explained that I always paid my mortgage via online XXXX and that I was never notified of this change in payment. She explained that I needed to email their loan servicing team the details and immediately update my XXXX ( which I did ) to reflect the new amount so that I do not get a XXXX reported mortgage late - even though they accepted all my payments. I did this immediately. 

I Never received a response to my email which I was requested to do on XX/XX/2023. Not even a response I am so upset that they would treat a person like this. I owe approx {$250000.00} on this property whose loan to value is less than 20 %. I also Never received a letter, call or text to the effect that my payment was short or that there was to be a change in my monthly payment. This is unacceptable and truthfully I feel as though this is predatory in nature. Are they trying to steal my house or ruin our credit..
Product: Credit reporting, credit repair services, or other personal consumer reports

The IRS has sent me notice that this account has been satisfied! This account is still being reported as debt and income can not be reported as debt. 

Your company can not report income as debt. This account is settled per IRS and MUST be deleted immediately. 
I did not give permission or written consistent to furnish this information on my report. 
I am a private citizen this is in violation. I have a right to privacy. 

These are the accounts that were excepted by the IRS AND SHOULD REFLECT AS PAID as agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equity is my GOD GIVEN RIGHT!