23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The Nationstar 'Mortgage Loan Statement ' itemizes XXXX late fee in the amount of {$27.00}. However, {$54.00} was added to the amount due, despite the fact that the payment was sent in before the specified date. I can find no explanation for the amount billed. Previous correspondence with Nationstar Morgage results in long delays in replies with no satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I receive a letter dated XX/XX/2020 Capitol One Case XXXX will update my account and no longer be charged to the listed accounts. 

Effective today, the Customer Service Representative at Capital One has read quite different things to me about how my account will always be reported as ongoing charge off. I said that the letter did not express anything verbose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - Called because XXXX said my certified mail was forwarded. I called Factor Trust as I wish to submit a human trafficking block request. I was informed that the address online is not for human trafficking and that they do not have it up yet. It is XX/XX/2022 and law went into effect in XX/XX/2022. They are breaking the law by not providing accurate and available information for human trafficking survivors about where to provide their block request. I sent in the request on XX/XX/2022, to their address online by certified mail, and as of today, they do not have accurate information about where to send the block request. I asked for a fax number and they could not provide it. I would like my certified mail amount back and also they are breaking the law by not providing accurate method for survivors to send in information.
Product: Checking or savings account

Opened a checking account with an advertised {$500.00} bonus. Multiple customer service representatives confirmed over multiple weeks that all terms for the offer were met and that the bonus would post within 90 days of account opening. It has not. A ticket was created for escalation last week and I was told Id receive a call back within 2-3 business days by the team confirming the bonus was applied, this has not happened.
Product: Debt collection

Capital Accounts has put a derogatory item on my XXXX credit report. I never received anything in the mail about this medical debt and I have had insuance for the past 10 years. As far as I know, I have no medical debt because I never received a bill in the mail nor have I received any phone calls. I filed a dispute with the Better Business Bureau and Capital Accounts responded with an illegible written " statement ''. The illegible statement also has the wrong address which would explain why I never received anything in the mail. Furthermore, I did not sign anything giving anyone permission to pass on my medical information and I definitely did not sign any contracts with Capital Accounts, so therefore I do not have a business relationship with them. So, they should not be reporting anything to my credit reports. In addition to that, the statement appears to show a balance of {$200.00}. However, they are reporting {$300.00}. So, my HIPPA rights have been violated in addition to the Fair Credit Reporting Act. HIPPA has been violated because personal medical information has been transmitted to a 3rd party without my consent. The Fair Credit Reporting Act has been violated because they are reporting a different amount than the statement they sent me and they are reporting an address different from the one that the original creditor gave them. I have asked for documentation showing my signature agreeing to do business with Capital Accounts and they have not been able to produce anything. Capital Accounts needs to remove this collection from my credit reports immediately.
Product: Vehicle loan or lease

Demanding full loan payment for repossession of vehicle.The payment app consistently is inoperable and is shutdown due to problem making it an issues to be able to pay bill. Signed up for auto pay yet the company did not take money out to pay bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  Dispute Department and was transferred to one of their customer service reps named XXXX. I told her my problem with her agency listing XXXX XXXX as a Charged off account. I informed her I had written a collection validation letter to Rise XXXX and wanted them to validate this debt showing up on my XXXX credit report. I let her know I had sent this letter to the creditor twice, and I had gotten no response from the creditor in the last 45 days. She said she couldn't remove the account from my credit report and she needed a letter from the XXXX XXXX to remove the account from my report. I stated that they have dual listings as they have XXXX XXXX listed as a collection account as well. It has to be either a charge off account or collection account, they can't have both. She told me there was nothing they could do. I also told her that the XXXX XXXX XXXX XXXX couldn't verify to me that any of my student loan payments were late, and that I would have to take it up with XXXX. XXXX told me there was nothing she could do without a letter from XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my strong dissatisfaction with the unauthorized accounts appearing on my credit report, which I believe are the result of identity theft. These accounts are causing significant disruption to my financial standing, and I insist on their immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing these fraudulent accounts with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these questionable accounts from my credit report. I require prompt confirmation of the removal and a detailed explanation of the measures taken to prevent such incidents in the future. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Movement Mortgage ( and subsequently XXXX ) On XX/XX/XXXX I began trying to get payoff amount for my mortgage and could not get a response from movement mortgage. After multiple attempts, I used the last statements outstanding principal balance and sent a certified check ( mailed on XX/XX/XXXX ). Using tracking number, I saw that the check was delivered to their mailbox on XX/XX/XXXX ( Sunday ). I called on the afternoon of XX/XX/XXXX to find out why payment had not been posted. Movement denied receiving it and continued to deny receiving it for the entire week. Multiple calls and emails were made, multiple complaints filed, Supervisor XXXX continued to lie and state that check was never received, proof of check and delivery was provided to her. On XXXX several attempts to reach her or receive a call back were ignored. On XXXX, I spoke with XXXX in customer service who informed me that on XXXX, the check and a payoff letter was sent via XXXX to XXXX ( a mortgage group to which my mortgage had been sold ). The payoff amount she indicated was incorrect and actually more than the original mortgage amount. We have made 6 payments ON TIME and wished to pay it off before being sold. She provided a XXXX tracking number. The check was received by XXXX on XXXX at XXXX XXXX. Multiple calls to XXXX on XXXX & XXXX results in the check still not being applied and an indication that it would not be applied on XX/XX/XXXX when the check was originally received by Movement. Multiple attempts to reach someone at Movement Corporate Offices ended in only going back through same customer service loop as before. Currently, I have over {$270000.00} dollars hanging in limbo, not earning interest and not being applied to my mortgage. I need help. Please inform me if I need to obtain an attorney. If needed, I have almost 2 pages of handwritten notes and multiple emails indicating my attempts to resolve this over the last two weeks. Thank you
Product: Mortgage

Loan Number # : XXXX Select Portfolio Servicing Account # XXXXOur current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back  to XXXX ) on our Non-Agency Securitized Mortgage since originated in XXXX with XXXX XXXX XXXX XXXX. Since XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers indicating " the loan investor/ Loan owner ( XXXX XXXXXXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XXXX/XXXX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX XXXX last filed documents with the SEC in XXXX ). SPS indicated in XXXX of XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 54 dating back to XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX for assistance as they are referred to as the Trustee of our mortgage by all 6 servicers. They have indicated that they do not have contact information on the actual investors/loan owner, yet they continue to deny indicating that the denials are coming from the investors at the direction of the XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting an incorrect coding of the XXXX/XXXX  partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

The sheer fact Ive sent this to the company directly as well as the PA attorney generals office under the Fair Reporting Credit Act which protects consumers. 

XXXX XXXX XXXX XXXX XXXX ( Fiduciary ) were shown of the consumer laws they violated as well as tax fraud. It has nothing to do with an eviction. Time I educate the uneducated, which I call their appointed legal team. 

Once, I or anyone else gives anyone my/their SSN, that person/company then that person then acts as a Fiduciary to my Cestui Que Vie, as well becoming a Trustee. Thus meaning XXXX XXXX is now in a state of a being a fiduciary obligation to me. They create a bond, instrument and a coupon ( Which is the statement every month ) using the rental agreements. On top of that they would never disclose the miscellaneous charges every month. So what exactly is this company hiding from telling a consumer what these specific charges? 

Furthermore, the third party debt collector can not collect in a state, court case ( Which later on Ill debunk the court case is actually null and invalid ) or not. They dont have a proper license to collect in. Thats public knowledge on a consumer website that displays this such information. 

I attached each and every FCRA they have violated.

The following have been uploaded : 42 USC 408 : Since there is no lawful money, any establishments, asking for a SSN for credit transactions or loans, is actually committing a crime.

This company then used the power of 31 USC 3123 when they create under a rental statement/agreement. This meaning under this how they used XXXX XXXX to make an off-ledger account ( This Fiduciary was using my Cestui Que Vie to collect an account with interest in my name ), to take the rental agreement ( Instrument ) in place of the certificate of indebtness which in turn leads to them making money lawful after sending it off to the Secretary of Treasury. Then they can then proceed to charge interest as they deem fit.

Now when this Fiduciary took me to court they are now in violation of 26 USC 6903a. 

-They never got my Delegation of Authority to act, for me by opening a court case account number. Therefore, a debt collector ( as well as an Attorney ) can never have permission of a court of competent jurisdiction pursuant to 15 USC 1692. Which 15 USC 1692 gives rise to conspiracy to circumvent the FDCPA ; extortion, misappropriation and a slew of violations. 

After still fighting, alongside with the PA attorney general office, both the PA attorney general office as well as this company, are in violation of 18 USC 894- Collection of extensions of credit by extrotionate means. Which I highly suggest you read over the fines/imprisonment factors.

As for the other attached files are ; consumer /credit reports they have done which states of each markings on my credit/consumer report negatively, which if taken to court. Thats {$1000.00} per offense on top of the slew of other crimes they are committing of tax fraud.
Product: Credit card or prepaid card

XXXX credit card with XXXX XXXX  changing to XXXX XXXX credit card. My due date is XXXX each month. Upon paying for XX/XX/XXXX which is the day I get ssi. Their site was down XXXX  and XXXX, I tried calling them and no contact number worked. Including for XXXX XXXX car number. They charging late payment and and outrage interest rate in the 30 percent range. I would not have joined if I knew that the card is not XXXX. At the present there is still no way go contact them, other than online mail which I did. Now I am finding lots of consumer abuse and ignoring members. Please help. Thank you.
Product: Student loan

I have student loans from the years spanning XX/XX/XXXX-XX/XX/XXXX for XXXX and XXXX school. They are a combination ( roughly 50/50 ) of FFEL Stafford Subsidized and Unsubsidized loans.

All my loan information was accurate as I made payments and dealt with financial hardships to arrange for Forbearance and Deferments, while I was with my original loan provider, Sallie Mae. 

My load was sold to Navient in the year XXXX, and at this time, things took a confusing turn. My loan principle went from its original {$60000.00} to {$81000.00} what it seems was as a result of the transition plus further increases over first few years the loan was with Navient. The amount taken in by Navient is also far off from my original principle amount. I believe the additions to my principle were a result of interest capitalizations I was unaware of and uninformed of. After many attempts to get solid information from Navient, information that made sense based on my interest rates and also subsidization of my loans, I was unable to receive an answer that matched up to what I understood. The customer service reps seemed scripted and also uninformed and provided very very general information without any detailing of interest charges. 

My interest rate also went up 1 % and there is a notice of another consolidation in XXXX, but I have record and recollection of only one consolidation on my end, which was earlier, prior to XXXX school. Again, several things that did not match up took place when the loan was sold to Navient. 

As such, I believe I am a victim of what Navient is being taken to court over, and want to see if it is possible to get more robust information on what occurred when Navient took over the loan.
Product: Credit card or prepaid card

As XXXX XXXX veteran who has raised XXXX kids successfully and got a letter from President Obama and XXXX XXXX XXXX Obama through US Congresswoman XXXX XXXX, I have lived super honorably to support my young kids. To purchase something, credit utilization is very critical. Only thing most Americans cares is closing statement date, Navy federal credit union used to comply with me and my request, whenever I made a full payment to make credit utilization low ( zero ) on closing statement date, Navy federal updated and reflected on the same day to new statement ( closing statement date ). 

But, unfortunately, Navy federal credit union worker who is in charge of closing date statement has played with me and abused me for over weeks, Attached files indicated that I paid XXXX dollars in the credit card ending XXXX ( cash reward ) on XX/XX/XXXX to make credit utilization as XXXX before original closing date XX/XX/2022 but Navy federal credit union worker ****** ***** intentionally did not reflect on the new statement, the worker who is in charge of closing statement sent a message that they changed closing statement date to XX/XX/2022 without my consent and without considering my strong opposition. ( my opposition evidence is included in the attachment file of this case ). 
So I have waited to make a credit utilization XXXX until XX/XX/XXXX new closing statement date, based on the information they provided about closing statement date XX/XX/XXXX, I made a payment early morning XXXX dollars on XX/XX/2022. But in the middle of night, around XXXX pm on XX/XX/2022 ( which is not closing statement date ) Navy federal credit union worker posted closing date statement on XX/XX/2022 at XXXX. It broke the promise with me who is client and who has waited over weeks for a long time and work hard to make a payment for low credit utilization to purchase something very important for my kids in the near future.. 
Navy federal XXXX their client XXXX XXXX for over a month.. 
Navy federal credit union knows that how much important credit score and utilization for XXXX life and family. 

My supporters who are more than millions of XXXX, XXXX, XXXX Americans, all veterans who has served Americas freedom and I request Consumer financial protection bureau to instruct Navy federal credit union President/CEO to response to this urgent case ASAP. 


Best regards, Executed/Signed by The XXXX XXXX on XX/XX/2022 XXXX XXXX submitted XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) -XXXX bin number XXXX XXXX ( XXXX XXXX XXXX XXXX ) -XXXX Bin number : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attached the 7 creditors I do not authorized to check. I dont even bank with them.
Product: Credit reporting or other personal consumer reports

I have requested on several occasions that this company pr the credit bureaus provide me with the original lease with my signature so that I may see who has authorized or allowed someone to have such contract in my name. I requested this via credit bureau disputes on XXXX, XXXX and XXXX. XXXX and XXXX have yet to provide me with proof of anything and either ignore my request or say that this large debt can't be found under my social when it it clearly there in collections. I have never entered into any contract, nor did I apply to, visit or ever contact this apt complex. No one has provided the manor in which this acct was verified. I was contacted by the debt collector genesis /columbia ( they are using different names ) asking that I provide them with my personal bills, current lease or Deed unmongst other personal documents to prove to THEM that I live elsewhere. This is outrageous and I can no way live in multiple places and collect apt debt when I have never even seen these Apts. This company is also not licensed in my state to collect debt.
Product: Mortgage

My mortgage provider, XXXX. My Loan Care ( www.myloancare.com ) reported me as delinquent in early XXXX, in violation of the rules which give me a grace period for the acquisition. I called and spoke to a representative who said I would not be reported to the credit agencies. While seeking a loan on XX/XX/2017 I was told that I was reported to the credit bureaus as delinquent. My urgently needed loan was rejected and I am unable to get My Loan Care to remove this delinquency. My loan number is Loan Number is XXXX
Product: Debt collection

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( XXXX ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$1500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Closed Date : Not applicable Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Credit Unions Account Status : Open Payment Status : Late 120 Days Creditor Remarks : Not available Original Creditor : Not available Payment Amount : {$28.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$150.00} Account Type : Credit Card Payment Frequency : Not applicable Credit Limit : {$0.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act.

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated.

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX on accounts XXXX, has violated my rights.

15 U.S.C 1681 Sec. 602 A. states that I have a right to privacy.

15 U.S.C 1681 Sec. 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my XXXX XXXX : 1. XXXX XXXX Balance : {$14000.00} XXXX 1. XXXX XXXX Balance : {$14000.00} TransUnion : 1. XXXX XXXX Balance : {$14000.00}