23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$9900.00} has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX of the United States of America at the time the account was opened. I am a XXXX 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I was informed that XXXX had changed to Navient around 2010. It was at this time my loans was in default, with both the college and the Federal Government. As a result I was not able to request official transcripts from my XXXX and XXXX schools. 

When I had contacted Navient, to " bring my account up to date '', it was a verbal agreement ... agreement that was not made clear of how much interest would be accrued, nor alternative ways to get my account out of default. However, I was told I was not able to receive financial hardship because I was employed, and now that I have exceeded the verbal agreement, I am now responsible to pay an unreasonable monthly payment later this month. 

I tried explaining how the I paid my own college tuition, and how I worked 3 jobs to actually persist to graduation. I went to XXXX after earning my XXXX and began working in Higher Education. I am now a single parent, working in Higher Education at a XXXX, and am barely making ends meet with the cost of living and child care, let alone attempting pay off a {$93000.00} unpaid principal. 

If I was made aware of other options, I would have taken them into consideration without unknowing agreeing to have to pay so much interest, not the actual loan ( s ) itself, just to bring my account up to date. Please advise! 

Respectfully,
Product: Debt collection

Our alleged servicer/collector either purchased or had a debt transferred to them from XXXX XXXX XXXX XXXX on or about XXXX. Shell point Servicing has represented themselves as holders of the debt even after me the homeowner requested the proper validation of the alleged debt 2 times in XXXX and 2 times in XXXX without producing any present right to the debt or right of possession. They have also added approx {$10000.00} each month after the first request of the debt validation in XXXX to intimidate and harass us. Shell point refuses to sign for the registered receipts and refuses to show any valid contract as to the amounts being added. Furthermore they filed a notice of trustee sale on XXXX XXXX asking for an amount of debt that is {$300000.00} beyond the amount stated on the deed of trust and secured, hence violating the FDCPA through their attempt to collect a debt through deceptive and wrongful actions. Lastly, they have reported private information and employed another third party to attempt the illegal disposition of the real property at XXXX, XXXX, ca XXXX in contradiction of the homeowner notifying them through a " cfpb '' disclosure that they were not allowed to disclose any information. This company and its holding company New Penn Financial have brought a new level of fraudulent activity into the market place in order to be unjustly enriched through their violations of law, Federal and State. This is a request for an investigation of this fraudulent company and their illegal actions against XXXX homeowners that are now XXXX years old and are in constant harassment and intimidation by this company and their newly appointed " trustee '' and illegal collector of the debt employing and using Unfair, deceptive, and abusive Business practices which can be observed in their filing of Notice of Trustee which has never been verified and is in noncompliance due to violations of the law. The homeowner has identified over XXXX violations just on the Notice of trustee and the fact that this Notice of Trustee was filed without a proper Notice of Default being recorded. In addition this company has employed false documents and has recorded them with the county recorders office to show a false interest in the debt.
Product: Debt collection

I have asked American Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Mortgage

This company is my current mortgage servicing company for the past 10 years or so, they took the servicing after my mortgage company went bankrupt during the housing crisis around XXXX. Now refusing to refinance my loan now. 
I lost my job in XXXX while I was on leave of absence due to XXXX XXXX, which pushed me in to financial trouble and was having hard time to pay the mortgage. I wrote to my lender about my situation and they modified my loan to an affordable monthly plan using then available XXXX  XXXX  's mortgage assistance program. They split my loan in to two portions. an interest free $ XXXX loan and a second loan for rest of the amount with 4.5 % interest. The officer in-charge for my loan at the bank explained that the $ XXXX loan will stay as a hidden loan without gaining any interest till I pay off the second loan. Or it will be due if ever try to sell the house, but refinancing would not be a problem at any time I want to, if I find any lower interest rate any time in future. That is when I signed the loan. 
Now that the interest rates are very low and when I tried to refinance the house, they denied. In the past 7 years since the modification, I was never late for any monthly payments. I kept a clean payment history/record. Due to my financial trouble then, I had to file bankruptcy, because of this, my loan is not reported to credit bureaus, which makes it harder to get a loan from another lender. The mortgage company trapped me in with this unmodifiable loan for rest of my life at this interest rate. I also have a very high interest HERO loan for the solar I installed on home. For almost five years now I am paying that high interest. I was just trying to combine the second loan with the HERO at the current available lower interest rate to lower my payment because I am going through financial trouble due to COVID-19. My wife just got leadoff from her job after 13 years of service when they shut down the refinery she works, due to COVID-19. 
Bank gave excuses from refinancing the loan and asked me to withdraw my refinance application without denying the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts was never authorized to report on my credit, please see below the list of accounts reporting on my report : 1. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 
2. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX BANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX BANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX BANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.
Product: Debt collection

creditacpt has not giving me any information proving it was me never did any business with them or authorize this alot of stuff pop up on my credit since XXXX had there breach please help me remove these
Product: Mortgage

I refinance with a mortage company that promised that insurance and taxes were included in the total monthly payment, however they purposely failed to tell me and my wife that taxes and insurance were only included for the remainder of the year and that we would be responsible for paying taxes and insurance after the first year in addition to our new mouthly mortage payment. That financially destroyed us. I believe they described this as a mortage XXXX type of mortage. That was with Wells Fargo
Product: Vehicle loan or lease

Federal Financial is reporting a {$10000.00} debt on my credit report that was resolved some time ago. Since they are unable to verify this debt, nor report accurate information on my credit report, this account should not be there at all.
Product: Debt collection

On XX/XX/XXXX Enhanced Recovery Company , LLC called me several times and sent a notice that I owed {$690.00} to XXXX XXXX XXXX. I had no responsibility for the debt and disputed via mail. 
I received another debt notice from Enhanced Recovery Company , LLC for {$330.00} on XX/XX/XXXX. Again, I have no responsibility for this debt and am disputing it. 
Obviously, the company is fishing for victims who will pay the debt for whatever reason. 
Can something be done to stop them? 
Thank you in advance for any help you can provide. 
XXXX XXXX XXXX
Product: Debt collection

After multiple CFPB complaints, identity theft reports, cease and desist letters, Portfolio recovery associates is refusing to heed to ANY lawful command and acts as if they are above the law and do not have to abide by any laws set forth. 

I have received several restricted phone calls from them. As soon as i answer that i have a cease and desist order, they hang up. 

I received a call from XXXX today at XXXX from XXXX XXXX . Once i mentioned a cease and desist he wanted to place me on hold. This is unacceptable. 

ALL accounts with PORTFOLIO RECOVERY are to be removed immediately. 


I am also requesting {$1000.00} per phone call, as well as {$5000.00} for the time, resources, and anguish all this has caused. 


I am not going to go through putting all Previous communications below. FIND THEM YOURSELF. 

My next step is a police report for aggravated identity theft, fraud, and harassment as well as with the attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report one is on my experian one is on my XXXX  I dont know what these are or where they are coming from I have not received anything back from the bureaus regarding this please help XXXX XXXX XXXX- Acct # XXXX  {$410.00} No Account Name - Acct # XXXX  {$570.00}
Product: Debt collection

On XX/XX/XXXX I mailed a debt validation letter to Fair Collections & Outsourcing , Inc . On XX/XX/XXXX Fair Collections & Outsourcing, Inc. mailed information they have on file regarding the account. The information Fair Collections & Outsourcing , Inc. provided contained TWO DIFFERENT SIGNATURES which they are claiming to be mine. It is clear that someone has forged my signature on a document they are using to attempt to validate the debt and collect with. I do not wish to impugn the integrity of any employee at Fair Collections & Outsourcing, Inc or the original creditor but someone has forged my signature on a contract. This unlawful act and collection tactic are unacceptable. I have attached pictures of the information Fair Collections & Outsourcing, Inc mailed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over XXXX credit inquires on all 3 credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

XXXX. I applied a credit card with annual fee {$590.00}. 

XXXX. I didn't activate the card as I didnt need it. 

XXXX. When I was called to make payment I asked options as I didnt need the card. 

XXXX. I was advised to close the account, so that the annual fees will be waived. 

XXXX. The account is closed but the annual fees is not waived as told by Citi.
Product: Vehicle loan or lease

WELLS FARGO DEALER SERVICE Account # ( XXXX ) This account was paid in full. This account was never charged off. I reached out to Wells Fargo to dispute this account and I have included the letters that they sent me. 

Wells Fargo is acting as a predatory lender and they have a history of that. Wells Fargo stated that I requested for a disaster extension on XX/XX/XXXX, XXXX XX/XX/year>. I did not request for an extension on XX/XX/year> because there was no disaster at that time and I was still working. So this statement is false. My XXXX was shut down due to Covid on XXXX XXXX and I did not know about the disaster extension until early XX/XX/year>. Therefore I called to have an extension to start XXXX XXXX and this was the first extension. At the end of my first extension I was still out of work and I called to set up another extension on XXXX XXXX as they informed me that I could drop when setting up the first. 
My second extension was to end XXXX XXXX then after I was to start making payments. 

At the end of the second extension I was still off as people were still catching Covid at my job. A short time before, I received my unemployment and I began to make payments. 

The payment history shows that even during my disaster extension, Wells Fargo was still charging me late payments every month for XXXX. This was a deferment, therefore I shouldnt have been receiving late charges. 

There are a few payments made during the times that Wells Fargo say that I was under a disaster extension that I would have never made If under such extension. XX/XX/year> {$400.00} XXXX {$340.00} payment, XX/XX/year> {$400.00} payment. These XXXX payments were made while under the disaster extension period and during Covid. Two of those payments are made a day apart in the same month. Even when payments were made Wells Fargo continued late charges excessively. If so, should making an extra payment, pay for the upcoming month as it shows as a payment and not a payment towards the principal only. 

Even with making two payments in the same month along with my other payments until the loan was paid, Wells Fargo stated I was 120 day late which cause a charge off. Looking through the statements, in which is incorrect, I do not see anything to result in a charge off. Because of Wells Fargo predatory behavior and incorrect reporting such as : excessive late charges during the disaster extension, late charges added after payments made on time, and incorrect reporting of the first disaster extension given, I would like this charge off remove to paid as agreed. This account was paid on time and because of their inaccurate incorrect reporting it resulted in a charge off which should have never occurred. 

I have included copies as proof of their predatory lending behavior.
Product: Checking or savings account

I am writing to file a complaint against Capital One regarding the mishandling of a disputed transaction on my account. Despite multiple attempts to resolve the issue directly with Capital One, I have not received a satisfactory resolution and am now seeking your assistance. 

On XX/XX/year>, at XXXX XXXX  I received a {$1000.00} payment via XXXX from XXXX XXXX. On XX/XX/year>, this transaction was disputed, and a refund was issued to XXXX XXXX without my consent or any prior notification. I know XXXX XXXX personally, and he has confirmed that he did not file any dispute nor did he receive a refund for this transactionor at least that is what he has told me. 

Upon noticing the unauthorized reversal, I immediately filed a dispute with Capital One, providing all necessary details and supporting documentation, including screenshots of the transaction. My dispute was subsequently denied by Capital One. I received a notification stating that the provisional credit of {$1000.00} would be withdrawn from my account, with no clear explanation or evidence supporting the denial. 

I then filed a rebuttal, reiterating that XXXX XXXX claims he did not initiate the dispute and did not receive a refund. I requested a thorough investigation into the matter and additional documentation to understand the basis for the denial. Unfortunately, my rebuttal was also denied without adequate justification. I am deeply frustrated by the lack of transparency and the improper handling of this dispute by Capital One. 

After reversing the {$1000.00}, Capital One attempted to take an additional {$450.00} from my account. This transaction was declined because my account was already overdrawn by nearly {$800.00} as a result of the initial reversal. Capital Ones actions have not only resulted in the loss of {$1000.00} but have also placed me in significant financial hardship by driving my account into an overdraft situation. 

The handling of this dispute has caused me considerable financial and emotional distress. The funds were legitimately received, and the decision to reverse the transaction without a valid dispute or supporting evidence is unjust. Despite my repeated efforts to resolve this matter, Capital One has failed to provide a fair resolution or any substantial evidence to support their decision. 

I am requesting the CFPB 's assistance in resolving this issue. I hope that this matter can be investigated thoroughly to confirm whether XXXX XXXX truly did not receive the refund and that I will be able to recover the {$1000.00} that was unjustly reversed from my account.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX. This vehicle was financed through Bridgecrest with GAP insurance through XXXX XXXX. XX/XX/XXXX I was struck by a deer on the way home that fully deployed all air bags on the right side of my SUV. That night I filed a claim with XXXX XXXX XXXX. The Following day I notified Bridgecrest regarding the accident and provided them with the claims number and other information. I was told that I did have GAP insurance and that they would file the claim. I would be told later in XXXX that the GAP claimed wouldn't be filed until XX/XX/XXXX. I received information that a check for {$12000.00} was sent XX/XX/XXXX, and Bridgecrest requested a 2nd check for {$180.00} on XX/XX/XXXX. Both checks would be held until XX/XX/XXXX. This resulted in a late payment. I was then notified that my GAP insurance claimed was submitted on XX/XX/XXXX and Funds was sent XX/XX/XXXX in the amount of {$3300.00}. That still to this day is not reflected in balance of the car. But this payment means the loan should have been paid in full for XXXX and XXXX. This is when I begin to panicked being that i had already invested so much money into rental cars. So I proceeded to Buy a car and had to go to an buy here pay here. Later I would find out that late payments had been attached to my credit report. after talking with XXXX XXXX I checked my account on Bridgecrest and saw that after I requested documentation, they was able to add it as pending to the account. When I called XXXX   XXXX she told me the money hadn't been sent over and that it was there. When I informed her of what had occurred she was lost for words. Now I am in danger of losing my Binders fee and my house. At this point my anxiety is a level 1000.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts and inquiries have been added to my credit file without my knowledge or consent. I am requesting that these accounts and inquiries be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Accounts to be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$3000.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$510.00} XXXX. XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Checking or savings account

I disputed an unauthorized charged through customer service and explained that I didn't make purchase nor did I receive the product. My bank gave me a temporary credit but took it back causing my account to overdraft. I spoke with the bank regarding their decision but the representative was very rude to me and didn't want to help. Can someone please help me. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$380.00} charge-off with XXXX XXXX XXXX. 
After disputing this account with XXXX, their investigation was completed on XX/XX/2024. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information. 
If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file. 
Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages.

To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, [ Your Full Name ] Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation