23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Navient account notes they are not allowed to contact me via Auto dialing at my listed number ( a cell phone number ), yet they continue to do so. When I received a call today at approximately XXXX I asked why there was such a long pause after I answered the call and when they picked up, at that time, the caller admitted it was due to an auto-dialer. I reminded the caller my account notes they are not allowed to use auto dialers to contact me and was basically told that request would never be honored by Navient and that the practice was not in violation of any federal law.
Product: Debt collection

I checked my credit report and saw there was a debt for a Zoca Loans for over {$800.00} and I have never received a loan from Zoca Loans and with my credit i cant even get approved for a {$200.00} loan so I have no idea how this got on my credit.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX account # XXXX has violated my rights XXXX XXXX XXXX  account # XXXX has violated my rights XXXX XXXX account # XXXX has violeted my rights XXXX XXXX XXXX XXXX account # XXXX has violeted my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 602 A section 2 : also states a consumer reporting agency connot furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) 5 section states : no consumer reporting agency may make any report containing any of the following items of information, other than records of convinctions of crime which antedates the reort by more than seven years.

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

On my correspondence I faxed to XXXX last XX/XX/XXXX, I explained and requested to XXXX to remove the late payment reported last XX/XX/XXXX. From the day the account was opened last XX/XX/XXXX, I was never late on this account except on that date. I wrote to them explaining the situation I had and even showed them proof that I was more than capable of paying off the minimum due let alone the entire balance of the account. I wrote to them : " The problem is, that someone hacked/stole my original email ( XXXX ) linked to my XXXX account. This was already reported to the authorities ( please see attached FTC report ). Ever since then, I never receive any notification reminder nor statement since I signed up to go paperless. Right about two weeks ago, I confirmed with one of your representatives that you still have my old email on file and the rep updated my account with my new email and fixed my login issue, which I am very grateful. But, it is too late for that Since I dont receive the statements and reminders due to my login and email problem, there are times that the payment was received a bit late and Ive been reported to the credit bureaus. '' Please see all attached copies of the documents I sent to them
Product: Mortgage

Caliber has failed to pay required property taxes to XXXX XXXX florida. Property taxes were due XX/XX/2022. The loan documents and closing documents clearly state that both insurance and property taxes were required to be in escrow. The loan officer also clearly stated on multiple occasions that Caliber required escrow for both taxes and insurance. These documents were reviewed and signed at closing. 

On XX/XX/2022 I called and spoke to Caliber 's Tax Department to guarantee the tax payment would be made by the due date of XX/XX/2022. Representative confirmed that the payment would be sent. The automated recording system also states that caliber was aware of the property tax payment and would send a check before XX/XX/2022. 

Taxes were never paid prior to XX/XX/2022 and penalities were assessed on the tax amount. Because of this, I placed another call to caliber on XX/XX/2022, I called the tax department after the taxes had not been paid. The representative informed me that she saw the taxes were not set up to be in escrow in their system and transferred me to Customer Service to fix the escrow. Customer Service submitted a ticket to fix the escrow. Caliber representative stated that there was an issue with escrow shortage and that they would pay the prior year property taxes and it would be assessed over the next 12 months along with fixing the escrow amount so that the correct amount was placed into escrow. 

On XX/XX/2022, I called back to get an update. I was told they had to mail documents to set up a new escrow. I informed them that the escrow should have already been set up per my loan/closing documents. I was transferred to the escalation team and spoke to XXXX XXXX XXXX. She confirmed the closing documents stated the taxes were to be in escrow and submitted a ticket to resolved the escrow issue. The next few days I received call backs to give me updates that the ticket had not been resolved yet. After a few days I stopped getting those updates. 

On XX/XX/2022 I called back and was told the ticket had been closed- denied. The representative told me we needed to talk to the Escrow team manager but he was on a call. They guaranteed me I would get a call back same day but never received a call back. 

Taxes were again due on XX/XX/2022 otherwise additional penalties would be assessed on the amount. 
This issue has been ongoing for two months now and each month that passes more penalties are attached to my taxes. 

Per caliber 's terms and conditions, any escrow shortage would be paid by the bank and would be assessed on the next 12 payments. The loan and closing documents state that both property taxes and insurance were to be placed into escrow. Every payment to caliber was on time and for the amount due. I should not be liable for additional penalties assessed on the property taxes. Caliber needs to pay the prior property taxes they failed to pay in a timely manner and assess those onto the next 12 loan payments minus any additional penalties.
Product: Credit reporting or other personal consumer reports

I have been try to get this company to clean my credit up and delete the things I dispute and update my credit report they took my credit score down and I am not understanding why I am XXXX  years of age and pay my bills on time my score should be XXXX not XXXX one day my score will be XXXX next day XXXX I will like my score to stay XXXX
Product: Debt collection

This company is reporting a alleged debt that outstanding on my credit report after I have already informed them that I do not owe them anything nor have any outstanding debts, existing liens, security interests or claims. I have even submitted proof that the alleged outstanding debt is not mine by giving them the proper legal documentation, an official copy of my XXXX form signed by the secretary of state, which proves that I have no outstanding debts, existing liens, security interests or claims. They have failed to grant my request as a federally protected consumer after I instructed them to remove this account and cease all collection activities. They have also reported my personal records to the credit reporting agencies without my consent per 5 U.S. Code 552a. I did not authorize them to obtain or share my information, nor do I have any contracts with this company. This situation has caused me significant emotional and financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXX, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
Product: Checking or savings account

I used XXXX  in XXXX  , sent money and someone took my money scammed me I couldnt get it back
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I sent dispute about incorrect name and addresses listed on my credit report. XXXX XXXX is not my real name. Also I have one address.
Product: Student loan

On XX/XX/XXXX, I, XXXX XXXX, a consumer and the original creditor requested a validation of debt from Federal Loan Servicing. I applied for a student loan through FAFSA which stands for Free Application for Federal Student Aid which may be deemed very misleading pursuant to 15 USC 1692e.

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless FED LOAN SERVICING wants to inform XXXX XXXX XXXX XXXX, CONSUMER, that any efforts to collect a debt is terminated and the debt collector, FED LOAN SERVICING, intends to invoke my remedies. 

I have also attached a copy of my debt validation request and cease & desist demand below which was sent to FEDERAL LOAN SERVICING via Certified Mail # XXXX
Product: Credit reporting

I have disputed this item with Experian for 6mos now and they will not remove it. I have filed an identity theft report and sent the information to them and they have not removed the item. The item is XXXX. I disputed the same item with XXXX, and XXXX has removed the item from my credit report. I would like for Experian to remove this item as it does not belong to me nor has it ever have. A copy of my identity theft report will be attached
Product: Checking or savings account

I have paid the rent online on XX/XX/XXXX for our apartment rent with the new account info because the old account have been suspended because of fraud hoard. So I updated the new account on XXXX and someway it went back to the old one last 4 account number is XXXX and have update to new acct last 4 number is XXXX. It went back to the old account and my landlord emailed me with NSF payment on XX/XX/XXXX. That is where Bank of America decided to close our account and not do any business with us anymore which I was gon na fix it myself but they closed it before we get it resolved. So my bank is Bank of America. So they technically closed the account with remaining balance of {$1300.00} which I am attempting to get it back so I can get rent caught up.
Product: Student loan

Oklahoma student loan authority has an account from the year of XXXX. On a private, non federal student loan. I co-signed for my husband. We filed bankruptcy in XXXX and it was also discharged on my husbands behalf from XXXX XXXX. But they keep hitting my credit saying I still owe. Theres a statute of limitations on this. 5 years in Oklahoma and 6 years where I reside. This should not be on my credit and I should not owe. Its past all those 3 reasons.
Product: Student loan

I 'm the first in my family to go to college on student loans. My other siblings went to community college and had financial aid that helped them out. My career path was different and I studied out of state. Since no one was able to guide me through student loans, I ended up taking out my first XXXX years of student loans from XXXX that were then moved to navient. When I graduated I went through a situation that caused me to move. I was kicked out, had no savings, was only a month into my new job. I called over and over again asking navient for repayment options and every time I was told I was not eligible for any other options other than forbearance. I took the option when it finally came down to paying back my loans because I could not make the payments of XXXX a month when my rent was XXXX. During my forbearance period I kept calling asking for options, tried refinancing, and no one would do anything just kept pushing forbearance. Come towards the end of the period finally they lowered my payments to XXXX, as a " interest payments only '' option. However my account would n't reflect this payment option and I 'm getting piled on with late fees. On top of that I keep getting charged twice a month instead of once a month making my payments XXXX. I keep fighting the second charges, and then they finally gave me my money back. However they decided to refund ALL my payments, and because of this they said I made no payments during my repayment option trial and that I would be in danger of getting taken off the program. Since these payments, my loans went from XXXX to XXXX. I tried to refinance with other services, which led no where because I never got the chance to build credit, I need a co-signer, but my only co-signer was my mother who is now on XXXX. Navient will soon take me off my repayment option because of a mess up on my account on their end. On top of it it 's not one big loan its about XXXX loans with 10 % interest rate on each.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a dispute to remove an inaccurate address. Experian denied the request to remove the address.
Product: Checking or savings account

I purchased an airline ticket with my debit card but canceled my account about 6 months later. Because of the pandemic, my daughter was not able to travel and XXXX XXXX refunded my money to my closed account. XXXX XXXX confirmed the money was never returned to them to send me a check. This happened in XXXX and I'm still waiting for my money. The amount is {$1100.00} and Wells Fargo sent me a letter to confirm the money was refunded to my account. However, I can't access it and they keep giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on NUMEROUS occasions requested XXXX XXXX to remove the derogatory remarks on my credit report. In late XX/XX/XXXX I called XXXX XXXX and informed them I was struggling to pay my payment due to natural disaster of hurricane XXXX here in FL affecting my job as a nurse in XX/XX/XXXX. The woman I spoke to stated I could set up a forbearance plan to help with my circumstances. I was told by said woman that i could enter into forbearance if I was unable to make the payments. I reiterated a question to the woman 3 x - " would this forbearance be reported as a late payment? ". The XXXX XXXX rep confirmed on their RECORDED LINE that it would not negatively effect my report and would report as current. I called numerous times and requested for a supervisor to look into the matter as i was 100 % sure that i was told the forbearance would NOT report as anything other than current. I AM STILL WAITING ON THE PROOF THAT THE AGENT SAID OTHERWISE. I have tried to dissolve this issue repeatedly with no assistance from XXXX XXXX. I have attached my statement from XXXX showing i was in forbearance at that time yet was reported as late 90 days until XXXX. When i requested this forbearance IN XX/XX/XXXX I was requesting due to a natural disaster which I VOICED TO the XXXX XXXX rep at the time. I live in FLORIDA and was affected by XXXX XXXX in XX/XX/XXXX and due to this CAT 5 storm my job as a nurse was affected and in turn so were my payments. During a forbearance period, your mortgage company may not assess late fees and will not report forbearance or delinquencies caused by the disaster to credit bureaus I AM BEGGING XXXX XXXX TO REMOVE THIS NEGATIVE REPORTING ON MY CREDIT REPORT AS IT IS CASUING SO MANY ISSUES OBTAINING A NEW MORTGAGE. 

I am being ignored and blown off even though i was told incorrect information by XXXX XXXX representative on the way this information would be reported. I have a perfect credit hx other than this " late payments '' and i am demanding XXXX XXXX administration look into the issue and listen to the call recording as well as provide me that information. It is illegal to tell a consumer one thing on the phone and have them sign a bunch of paperwork stating the opposite. That is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XX/XX/2022.
Product: Debt collection

I was a resident of XXXX XXXX XXXX. I moved out on XX/XX/XXXX. On XX/XX/XXXX I submitted my notice to vacate which, includes a counseling on cleaning requirements. This counseling was completed XXXX of XXXX XXXX the property management company which currently manages XXXX XXXX housing. She notified my wife via email of charges we were being assessed on XX/XX/XXXX, four days after our move out, while we were in route to our next XXXX XXXX. We advised her the charges were not correct namely the floor cleaning fee of {$120.00} which she stated in writing during my XX/XX/XXXX counseling with her would be {$60.00}. According to the collections agency attempting to collect this debt they received this case XX/XX/XXXX, all the while we believed the charges were being corrected. My wife received an email from XXXX on XXXX the XXXX and XXXX, she overlooked because we were in contact with XXXX not XXXX concerning the matter stated above. The collections agency was given the incorrect phone number concerning collections of this debt, despite my phone number being written directly on top of the bill in question and I was never notified of collections being involved which resulted in negative impact to my credit. Since then XXXX XXXX has admitted to the overcharge and reduced the bill accordingly. IT IS IMPORTANT TO NOTE I WAS NEVER CONTACTED DIRECTLY CONCERNING THIS MATTER, ALL COMMUNICATION WAS DIRECTED TO MY SPOUSE, AND I WAS REPORTED TO A COLLECTIONS AGENCY NOT HER. XXXX XXXX HAS MY INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. And XXXX Bank XXXX account XXXX XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A states I have the rights to privacy. 15 U.S.C. Section 604 A Section 2 states also consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166b ( A ) creditors may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

My position as a XXXX consumer : I had been denied credit by creditors, due to inaccurate/ fraudulent reporting by XXXX. The XXXX XXXX collection is for XXXX account opened by identity theft, in my birth name XXXX XXXX. In which I haven't used since married in XX/XX/XXXX. 2 years of late payments being reporting with this account. XXXX Bank XXXX XXXX credit card account, that I opened in XX/XX/XXXX. Was paid in full and I requested by phone to close credit card account, due to incorrect billing by XXXX. It reporting 72 late payments on this closed account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law.
Product: Money transfer, virtual currency, or money service

I have a direct express card to receive payment for some one im payee for. Their payment card expired and im supposed to get one sent automatically. They never sent it. I tried calling all day from monday XX/XX/XXXX to wed the XXXX it kept saying its a high volume of calls. My recipient ended up calling ans gtting through on threeway. The lady ad she would expesite the card after i ecpressed my issue with them not answering she confirmed my address and phone and stated the card would be expedited for XXXX and and she confirmed my phone number and said she would send the tracking number ... and tht the card would cm friday on Friday nothing came so i waited Saturday nothing came now its Monday and nothing has come. I can not pay bills or buy hygiene or food for my recipient.. i have called all numbers available and everyone tells me to call XXXX they are to this moment saying theres a high volume of calls and it hangs up i dont kno what to so but to keep calling ive called 103 times today already and last week im sure i called 1000 times..i dont kno what else to do so i figured id file a complaint
Product: Credit card or prepaid card

I received 3 emails notifying me that I have been approved for an XXXX  XXXX Bank of America credit card. I have never applied for a credit card with BOA and I do not have any accounts with BOA. I contacted customer service of BOA and they told me to call the fraud department but I work Tuesday through Saturday, so that department was not open when I tried after work on Friday, XX/XX/22. I've noticed that there has been one hard inquiry on my credit and I think this is affecting my credit score. I have sent two of the emails I received to BOA 's abuse department and am waiting on a response. Please help and let me know what else I need to provide. 
Thank you, XXXX XXXX