23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm not telling my story anymore. I'm over it. ATTN : XXXX, FBI, OHIO XXXX, AND XXXX XXXX XXXX Please see all past complaints. I have been ready willing and waiting to pay my bill since XXXX. I will never pay any late fees due to their error. I was in the process of making a bulk payment when they deleted my credit card account without communicating to me. Now that I no longer have access to the credit card, it has made things very difficult for me and now my credit is damaged, I have not been able to get other support I was attempting to get. This situation is very wrong. Therefore, I will not be making a bulk payment as previously planned. I will not make any payment until the late fees are removed and the minimum amount due of {$110.00} has been restored. No payments will be made until this happens. 

For emphasis, I want to state again that my bill was always paid on time, until this happened. I have spent the past 5 months trying to make sense of this and have gotten nowhere. Again, Servicing Solutions comes thru my emails as spam, dangerous and suspicious. I will not give my personal information to some crook. 

Can we please restore my $ XXXX payment? Why is this taking so long to do? I am not liable for any late fees. Maybe you shouldn't have cancelled my account without talking to me first. I still don't understand what's happening here. Why is this happening. I always paid my bill on time. Can we stop this please? Aren't you tired yet? Don't you have something else better to do than to harass me and charge excess late fees when I was not able to pay my bill yet I tried so very hard and I have not been given any clear answers. 

Ohio XXXX : Please respond. I need your help.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, NC XXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1987 My only employer is SELF I do not wish to have any telephone numbers on my report.

Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, Enclosed is my Drivers License and Proof of Residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX continue to report inquiries that were involved identity theft and I have provided id theft reports that these are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO whom it may concern, Self Financial Inc is breaking the LAW reporting inaccurate information on my consumer report without my consent. Self Financial Inc, never clearly and conspicuously explained to me certain disclosures in the agreement which I could understand. Now they are reporting false information. Since this was a consumer credit transaction governed by truth and lending act late payments are not supposed to be reported pursuant 15usc1666b. Simply update this billing error and correct these late payments or remove this inaccurate information asap.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, experien all shared my personal information without my consent. They sided with wrongful debt collectors, when i disputed the accuracy of my reports. I have no FFA agreements with either group, and I have been personally harmed because of these false reportings.
Product: Credit card or prepaid card

XX/XX/21 at XXXX - I asked the Manager with XXXX XXXX  to reverse a {$25.00} fee because I was misinformed by the bank. They rudely REFUSED to reverse the fee even when it was not my fault.
Product: Mortgage

I require your assistance if you can help, regarding my mortgage lender giving me the runaround in refunding and settling my escrow overage. 
I received an escrow overage refund check for {$460.00} XXXX XXXX 2015 from my mortgage company " Nationstar Mortgage ''. I misplaced it so it was never cashed, and when I found it ( XX/XX/2015 ) it was past the 180 days to cash it in. 
I contacted Nationstar on XXXX XXXX with the information and they stated they would reissue a new check, and that it would take four days to process and to allow 7-10 mailing days. After that time had lapsed and no check arrived, I contacted them again and they now said it was never sent, needing " verification of address '' which was given and verified over the phone and having been a customer for 14 years getting my statements sent to me every month they well know my address! 
I then requested it to be overnighted and they agreed and sent me a XXXX tracking number. Four days later it still was never dropped off with XXXX and when I called to ask why, Nationstar stated " It was cancelled because it sat there too long. '' Duh! Once again they said they would reissue the check, overnight, and gave me a tracking number and to expect it the following day. The following day it had never arrived at XXXX which I verified with the tracking number so yet again I called Nationstar and yet again got the run around. 
They canceled that alleged check and once again gave me a tracking number for expedited overnight delivery with XXXX. You can guess what happened, it never was delivered to XXXX. So like a dummy I called Nationstar again and again I was given a new tracking number and promised overnight delivery. It has not been received by XXXX via the tracking number nor will it. 
Four times in the past month ( Once alleged by mail and three times alleged by overnight XXXX ) I have been told my check would be reissued and four times nothing has been done about it save for printing XXXX labels and nothing else. 
It 's apparent to me that Nationstar has no interest in refunding what is legally mine and just wants me to stop trying to keep my money. I paid off my mortgage early this XXXX 2015 so perhaps that I am no longer a cash cow they have little interest in giving me what they owe me. I never was late or missed a single payment in fourteen years with Nationstar Mortgage either. 
Is there anything you can do to act on my behalf? This is very upsetting. Supervisors do not return my calls, and agents who promise to rectify it never do. Not once have I treated them with rudeness or bad language and have been as understanding as possible. However, I now understand that they have no intention of refunding my money ; four attempts in one month with nothing happening is an untenable situation and egregious. 
I can provide specific information as requested. Please contact me and please let me know if you are able to intervene on my behalf, I would be very grateful. 
XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Heights Finance calls me multiple times a day starting at XXXX even though I told them I work 2nd shift and not to call before XXXXThey also call me when Im at work and 3 plus times a day! My paperwork says its a XXXX late fee but they add XXXX. I asked him when he called and he said its charges added up but I have had my account balance to XXXX  a few times! This makes me not want to answer my phone or pay them! They harass constantly
Product: Mortgage

loan modification I just received on Friday XXXX XXXX a summons and a unlawful retainer. There was no information from the bank regarding property of sale nor approval or denial of a loan modification. The bank did not reply to my request for a complete audit of the loan account. Also if the property was sold why wasnt I notified prior.
Product: Debt collection

The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call numerous times Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. No verification of this debt. 

They are supposed to send within 5 days a written communication and they have not. Calls repeatedly throughout the day. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on my 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 the complaint in on dates of ( XXXX ) & ( 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 attached screenshot attached.
Product: Student loan

Navient claims I took out a XXXX XXXX XXXX XXXX account number # XXXX on XX/XX/XXXX for an original disbursement of {$30000.00} I have no record of ever taking out a student loan for that amount on that date or even close to it. 

In addition Navient claims I have been delinquent since XX/XX/XXXX but has never reached out to me either by phone, mail, or email. To make it worse it only showed up on my credit report as of XX/XX/XXXX when I had my credit pulled as part of a job. 

No one returns my calls as they send me to voice mail when I call their numbers soon as I enter in my account information. 

This lack of responsibility, mismanagement, and outright deception could cost me a high paying job that I qualified for based on the harm of negligence, incompetence, and complete fraud on their part. 

I dispute their legal right to collect on a loan that they made up and claim I owe due to fraud on their part. There is no paperwork showing I took out a student loan for that amount on that date as they just made up a loan. The loan amount, disbursement date, interest, loan balance, and the loan itself are all made up and are just lies. I ca n't believe this is happening in America and that this is even legal in any shape, way, or form.
Product: Credit card or prepaid card

Credit card was taken out without my consent and I did not apply for credit card
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On X/X/2017 I sent formal notice, via certified mail, to CRME for a collection account listed on my credit report for XXXX, that their claim was being disputed. After 30 days, there was no dispute mark placed on my credit reports, nor did I receive any communication from CRME. On X/X/17, I sent a second letter, via certified mail, to CRME that they have violated federal and state laws, and also failed to send me any communication and/or evidence bearing my signature that the account is reporting correctly. Somewhere thereafter, my credit report was marked by them, that the consumer disputes, but again, this was AFTER 30 day allotted time per FDCPA and FCRA regulations. To this date, I have not received any communication or acknowledgement from CRME, after their receipt of 2 certified letters. They have clearly violated the law by not marking my credit reports disputed within the 30 day time allotted and also have not sent me any documents bearing my signature, validating that the debt is accurate.
Product: Vehicle loan or lease

On XX/XX/2021 ( XXXX XXXX XXXX ) dealership and bank ( Ally ) misrepresented contracts to me and stole my identity to secure a funds & a security interest in a my title by way of pretending to loan me {$36000.00} of the banks actual money when in fact they never did loan anything that's was close to there's rather then create money without documentation of the debit or credit of a loan to or from me to bank in their ledger or book keeping all without a valid contract dealership never signed original contracts with me and ally bank never signed any loan or contract with me either Also due to unfair and fraudulent practices during transaction my finance charges were added up in my amount financed section which is a violation of my truth in lending rights along with manipulating me to believe that I could not get the car without giving them {$6000.00} cash down 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 - XXXXXXXX XXXX  ( BANK ) XX/XX/XXXX - XXXX ( BANK ) XX/XX/XXXX - XXXX XXXX  ( FINANCE ) XX/XX/XXXX - XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX - XXXX XXXX  ( FINANCE ) XXXX XXXX, XXXX - XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX EXPERIAN - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute specific unauthorized credit inquiries made on the SPECIFIC dates shown. I did not authorize these inquiries, and under federal law, repeated access to my credit report without my explicit permission is prohibited, regardless of whether I currently hold, or have held, an account with this company. 
List of Companies and Unauthorized Inquiries dates which are not mine and must be removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), creditors may only access a consumers credit report with a permissible purpose, which requires explicit consent. Additionally, Section 615 ( f ) mandates that all reporting be accurate and consent-based, reinforcing the need for explicit authorization before any inquiry is made. 
Please have the companies send verification and all the documentation they claim to have received from me and the Verification steps the conducted to confirm it was me and had EXPLICIT authorization they received from me Once fraudulent information has been removed, please send me a copy the corrections/ of my corrected credit report. 
ALL of these a absolutely in accurate and im very concerned about XXXX be it a mortgage company and I have NEVER applied for a mortgage in my life. ALL these must be removed. 

ALSO : I was informed that my file did not include an FTC report. However, according to proper procedure, fraudulent credit reporting issues are handled through the Consumer Financial Protection Bureau ( CFPB ), not the FTC. 
ReportFraud.ftc.gov website directs consumers to file reports via the CFPB through the FTC Fraud Report system. Therefore, my disputes include reports made through the CFPB, and I have attached the necessary documentation to support my claim. 

I urge Equifax to update your internal policies to align with changes adopted by the major credit bureaus. This ensures your representatives, who are supposed to assist customers, are properly informed and do not provide inaccurate or misleading guidance. Miscommunication such as this only adds to the frustration caused by incorrect credit reporting and may result in legitimate disputes being improperly handled. 
See the supporting information Attached.
Product: Credit reporting

Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. Experian I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from XXXX on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.
Product: Credit card or prepaid card

Capitol One, XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, continues to send mail addressed to " PERSON X '' to our home address. " PERSON X '' has never lived at our home address, nor is he related to us in any fashion.

We have repeatedly refused mail XX/XX/2018-present from Capitol One addressed to " PERSON X '', saying " RETURN TO SENDER - ADDRESSEE NOT AT THIS ADDRESS ''.

I am concerned about potential fraud by the Addressee, and by Capitol One. Who knows, this could evolve into our getting harassing phone calls from Capitol One about unpaid bills!

I have seen the same complaint on the internet about the same company from another U.S. resident. That person said they had called Capitol One and supposedly it was taken care of, except the abuse continued.
Product: Credit reporting or other personal consumer reports

As attached files I have multiple deletions of negative information from a collection called XXXX XXXX Anthor by XXXX  XXXX XXXX  and one from XXXX XXXX 
These creditors violate the fair credit production act when I sent proof an it was deleted from my report. Now 2-3 months in Experian allows these companies to keep reporting negative inaccurate information to my credit report an add the violation by on to my report. While I have an identity fraud case active. 
I am a victim of this lawsuit to Experian From XXXX and want this removed immediately an take full action an seek damages for money I paid to credit repair companies to get this resolved but nobody could an the reason why is now clear after I saw this lawsuit. 
Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files Experian committed unfair acts or prac

tices in by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( 3 ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute. Experian violated FCRA by failing to properly conduct reinvestigations o
f disputed information in consumer credit files
Product: Mortgage

Amerihome mortgage I was in a loan modification due to Covid. When loan came out of modification I was reported as being late because they increased monthly payments after the fact and made them retroactive. Per agreement I was to make payment of XXXX every month starting in XX/XX/XXXX. I made payments of XXXX. For XXXX thru XXXX XXXX XXXX XXXX they did an escrow review and determined I was short and increased payments to XXXX. Retroactive to XXXX if escrow wasnt caught up. On XXXX XX/XX/5804. Was made to escrow but they still increased payment and made it retroactive. The XXXX. That I had paid over the 6 months was held in suspense until modification accepted by VA. In XXXX they applied the funds at XXXX vs XXXX which left me XXXX short for XXXX and they reported me late. Even though I met all requirements of loan modification they refused to accept they made mistake so now not only am I late by 28 days by XXXX. I owe an additional XXXX. Now for XXXX. This is completely unfair and not within terms of agreement and they will not assist or help me to correct error - I have email and called multiple times but am told no one can help me. To make matters worse in process when rates were historically low below 3 % they increased my rate during modification and loan amount by over XXXX. Today we owe more, at a higher rate and am now being reported as late on our payments and unfortunately we have no method to assist/correct situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to correct an obvious mistake. 

1 XXXX auto loan is open paid & satisfactory according to the bank & all other cra 's 2. Account was reaffirmed. 

3. Account has been current for 5 years 5. COMPLETE payment history sent to TransUnion documenting 6. Letter from bank sent to transunion. 

ATTENTION FTC UNLESS YOU SUBSCRIBE TO THEIR SERVICES THEY REFUSE TO CORRECT ANYTHING
Product: Payday loan, title loan, or personal loan

Called company regarding the loan, no information has been provided regarding the sale of the vehicle.