23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Flagstar Bank is currently charging us {$9000.00} for escrow taxes. The Town of XXXX has our taxes estimated at {$6100.00} for the year. Due to our home being a new construction, the town did not assess our taxes for the first 6 months of fiscal year XXXX ( Quarter 1 and Quarter 2 ). The Town of XXXX and in fact all of Massachusetts fiscal year runs from XX/XX/XXXX through XX/XX/XXXX. However, once they were assessed for fiscal year XXXX, the total is {$6100.00} for the entire fiscal year. Flagstar Bank fiscal year runs XXXX to XXXX. Flagstar Bank is combining 2 fiscal years into one and this is creating a discrepancy of {$3100.00} because Fiscal year XXXX Q1 and Q2 ( {$1500.00} each ) is being calculated into the total figure. Currently Flagstar Bank is overcharging us by {$2900.00}. 

We have contacted Flagstar Bank since XX/XX/XXXX, regarding this issue and they refuse to change it. We have requested multiple escrow analysis to be completed and Flagstar continues to report that according to their records we are being charged the correct amount. We contacted Flagstar Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We worked with a supervisor at Flagstar Bank who understood that we are being overcharged but she could get the escrow team to run another analysis to help rectify this issue. 

We have also spoken to the XXXX Town Collector who reports that Flagstar Bank should not be charging us anything different from what the town reports. Currently our mortgage payment is {$3000.00}. XXXX, our mortgage payment should be {$2700.00}. This is the amount we were paying prior to the last escrow analysis in XX/XX/XXXX.
Product: Debt collection

I am being sued by XXXX XXXX XXXX XXXX XXXX for a credit card debt in the amount of {$9000.00} on XX/XX/XXXX in NY XXXX County First District Court. As of today the debt is {$12000.00} with interest. I have no knowledge of this debt. 

They are representing Creditor ( s ) : ( P ) XXXX XXXX XXXX XXXX New Century Financial Services Inc. 
I answered their complaint on XX/XX/XXXX asking for debt of ownership and proof of debt. 
After that, I have not heard anything from them or the court till XX/XX/XXXX then the court asked my income. When I went the court to see all the files in the case folder, I have seen they obtained default judgment against me on XX/XX/XXXX. The reason they could be able to obtain the default judgment is because I was not aware of the hearing so I never showed up to the hearing. 

I disputed all claims and complaints against me officially by writing an answer by filing with the court on XX/XX/XXXX. 

Till today I have written 3 more answers/ questions and filed with the court. In all of my responses I have asked them to provide me the debt of ownership, the credit card agreement and debt validation. They could not provide me any tangible proof regarding any of these requests. Yet this court proceeding is still ongoing. 

I have seen that CFPB fined plaintiff and the creditor for similar reason that I am suffering now. 

https : //www.consumerfinance.govXXXX I would like to inform you that they are still doing and continuing their unlawful actions. 

I am ready to accept any help you may offer in this matter.
Product: Debt collection

Levy Law Firm notified XXXX XXXX  Legal Department to prematurely and wrongfully processed a notification as a court-ordered levy from Levy Law Firm XXXX XXXX ) to garnish my savings account in the amount of {$10000.00} on XXXX, XX/XX/XXXX without a legal court order to do so. The XXXX XXXX XXXX Government Clerk of Superior Court stated that the court has not issued a garnishment levy to Truist on behalf of XXXX XXXX XXXX XXXX to garnish my account because the case has not gone to court to be ruled on. My account is now overdrawn - {$9000.00} with a pending Exceptions/Administrative Hold until XX/XX/XXXX. My concern is that XXXX acted with reckless abandonment without court consent and violated my consumer rights to oblige the underbelly tactics of XXXX debt collecting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

I severely injured my XXXX XXXX in XX/XX/XXXX which caused me to miss months of work. I contacted Prestige to see if I could get my payments lowered due to my hardship and I never received an answer. I received a message XX/XX/XXXX from XXXX stating I had until Friday XX/XX/XXXX to either make a payment or make arrangements or the account would be transferred to the recovery department and would be picked up. The vehicle was repossessed on XX/XX/XXXX. I spoke with the repossession company because I was told nothing would be done until Friday and I was told that Prestige contacted them weeks ago and put the order for repossession in which is not what I was told. I get paid Thursday and they knew this and I planned and making the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX-account XXXX XXXX XXXX XXXX-account number XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXX number XXXX 15 U.S.C 1681 section 602 A. States I Have the right to Privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I have a title loan with Springleaf financial who was bought out by One Main Financial. I have been paying extra to get my loan down. When I was discussing a payment with them the other day they told me that I had {$180.00} sitting there waiting to become a full payment. I sent them this money over time to reduce my loan amount. They kept it separate allowing them to charge me interest on my account. If they would have applied that money to my account then less interest would have been charged to me. This does not seem fair be it seems like they are taking money from me instead of applying that amount to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I notified XXXX Equifax XXXX that I was victim of identity theft. 
The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.
Product: Credit card

recently updated my information, which is the same information on my credit report with XXXX, Capital One still to this day after a month or XXXX of now having my phone number still wont send verifications yet when I used my card over Fathers Day weekend, first XXXX places I used it charges went through fine. XXXX merchant declined, received text from cap one ironically asking if I made the charge, I replied yes, received XXXX text indicating to attempt the charge again, I did, it went through. the XXXX merchant declined with no text received as with the XXXX charge, I called cap one to address, said they needed ID, I attempted with rep on the phone, their system wouldn't accept my ID after multiple attempts. They then asked me to upload ID to their portal. I uploaded my ID, based on manual review by Cap ONe, they said they can verify my identity. They next asked me to upload my ID, XXXX XXXX, and Proof of Address. I uploaded the same ID, uploaded copy of my ssn, and my verizon cell phone bill showing my name phone number and address, which is the same information they have on file, and was told Cap One still couldn't verify my identity. After many extensive conversation with rep after rep placing me on hold and hanging up on me, probably close to XXXX times, the rep I spoke to last said they were escalating the matter, and to again wait for a call I never receive, advised me I could make payments but can use my card I opened in 2023, lol .... Since, I received another email asking me to upload the same XXXX items, ID, XXXX, and Proof of Address, well since I've already done that, I drafted a letter and had it notarized and sent it to them to prove my identity, still no response. I requested any restrictions be removed, as there never should've been any to begin with. Im disgusted with their lack of integrity and how I've been treated. I could go on but its not worth it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent inquiries listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several inquiries and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. The inquiries in question are as follows : 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 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 XXXXXXXX. I can assure you that I did not open these inquiries or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was stationed in XXXX with the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In approximately XX/XX/XXXX I got a 1 year contract ( month to month after the 1st year ) through the on-post XXXX XXXX for XXXX XXXX ( XXXX ) cellular phone service. I kept the service until XX/XX/XXXX when I left XXXX due to a military XXXX. I cancelled the XXXX XXXX contract in XX/XX/XXXX as part of the XXXX checksheet ( a sheet you have to complete before the XXXX allows you to leave the country ). The contract had already reverted to a month to month contract, but was still cancelled the proper way in accordance with SCRA Section 535A. Two years later in XX/XX/XXXX, a company called XXXX XXXX ( owned by Rhojo Enterprises ) sends me a letter saying that I owe them about XXXX euro. I immediately emailed them a notice of dispute requesting debt validation etc. They called me and in talking to the company representative they claimed they did not buy the debt from XXXX XXXX, but that they were the US debt collector for XXXX. In XX/XX/XXXX they emailed me again saying I owed ( even more ) money to them now as they were charging 8 % interest on the " debt ''. They were offering to discuss a settlement in the email, knowing full well that the account was in dispute to begin with ( and this was 3 months later, they still had n't provided validation of the debt ). Finally, 8 months after it was requested in XX/XX/XXXX, they provided " documentation '' of the debt. This did not include the original contract with my signature, it did n't include the original contract terms, and it was basically a word document showing monthly statements for AFTER the contract was cancelled. A couple weeks later they sent me another email saying I owed them money and included the same documentation they had sent a couple weeks prior, with some of the information stripped out. I have n't paid any of this, and they still insist that they are the US reps for XXXX and that they did n't buy the debt from XXXX. They refuse to drop it, despite the fact that it is a clear violation of SCRA.
Product: Debt collection

Harassing phone calls continue after I requested to stop. Everyday since XX/XX/XXXX. Ive updated my info and explained Id try to pay in full before the end of the month. Yet the keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting old information in which according to FCRA are old account and they can be update from my credit file. I requested via fax again for the updating of the old creditor and the old account haven't been update. This is the account in which I am asking to be update from my credit file. XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : $ XXXX. I am no longer liable for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX  XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX CARD XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Student loan

Sallie Mae and XXXX continually call my grandparents, who were not cosigners nor my guardians at the time I took out the loan. They are continually harassing them without cause. They have no current and had no past control over my loans or my education.
Product: Student loan

Cancel my student loan debt please student loans have ruined my life - Please forgive my student loan debt it is a weight around my neck. I started out at a two year for profit college and only XXXX credits of my XXXX credits transferred to another school. For profit college XXXX XXXX promised jobs after graduation this was not the case. I went on to a four year college since there were no luck with finding a promised job. I was there for several years and still was not close to graduating since my credits did not transfer. I did a modification at {$370.00} a month only to be told that my 9 payment was not to be accepted because they did not take payment from my checking account. I had payment set up with auto draft in my checking account. Loan was sold and new company did not draft it right away. I was told I would have to start all over again.

Debt has impacted credit and rates on buying things. Growing up college was always said to be the road to a better life. This road has been nothing but a nightmare and it still haunts me today.

Respectfully yours, XXXX XXXX
Product: Vehicle loan or lease

We purchased a car from XXXX XXXX XXXX XX/XX/17 santander consumer usa underwriting dept approved the loan knowing it was not legitimate on the dealerships end. The paperwork was never signed by the seller the dealership which it clearly states if not signed by seller the loan is not valid. The mileage on all of the documents was changed it shows XXXX ish miles when the car had over XXXX. The loan was and is a predatory loan. I have contacted me our attorney general and filed a compliment on here before. When the company had to settle a lawsuit they never included us even though we had defaulted at least 2 to 3 times during the required time frame. We would like the car written off and the loan showed as paid on our credit report and the signed tile free of their lien sent to us as we have continued paying on a loan that was never valid due to the dealership not signing the documents and changing milage and the loan being a predatory on subprime borrowers
Product: Debt collection

Today XX/XX/2020 I was hung up on and harassed about an account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw an account from Penn Credit for {$650.00}, original creditor is City of XXXX XXXX. I never received a letter about this delinquent account via mail, violating the FCRA, which states I'm entitled to a notice giving me at least thirty days to dispute the validity of the account. I have never had an account with the city of XXXX because i have always lived with my husband, and he takes care of our bills. Everything is in his name, so this has to be identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report for inaccuracies I noticed several and contacted  Experian  via  XXXX  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts.  XXXX  months later I still have no method of verification for the following items  XXXX  Delaware #  XXXX , Louisiana  XXXX  #  XXXX , Louisiana  XXXX  #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian found that I had not paid XXXX and placed it in collections. I have a receipt showing that I paid the item
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request the removal of unauthorized inquiries from my credit report. These inquiries were not authorized by me and are causing considerable distress.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received an email from Venmo stating that it contained my final Venmo statement and that my account had recently been closed. At the time I had {$1100.00} in my account from transactions over the last year. I hadn't received any sort of warning or notice that my account would be closed, nor had I taken any action to close my account, so I reached out to Venmo support to understand why my account had been closed, why I had not been contacted beforehand, and how I could remedy the situation. The response I received was that my account was closed due to inactivity ( even though I regularly log into my venmo account ( last access in XXXX of this year ), and use it to receive money transfers from family and friends ( last transfer in XXXX of this year ). They also told me that they had sent me XXXX notification emails prior to closing my account, but when I went to check, I could not find the notification emails. I also went to check the Venmo terms of service and could not find any policy that states that accounts will be closed due to inactivity. I subsequently asked Venmo support : XXXX ) When they sent notification emails, so that I could fix my email settings XXXX ) Where in their policy it states that inactive accounts will be automatically closed XXXX ) What type of activity counts as " activity '' to avoid closing an account. I did not receive any helpful information until I contacted the better business bureau. After being contacted by the XXXX, Venmo finally responded with some information regarding their escheatment policy, but was unable to provide any proof that any notifications were sent to me prior to transferring my funds. They also told me that my funds should have already arrived at the Alabama unclaimed property department, but I have been unable to locate or retrieve the funds, and Venmo has been unwilling to provide any tracking information or other assistance to help me locate the funds they transferred.