23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During later XXXX of XXXX, I viewed my credit report to see what I could do to improve my score. I saw an account in collections for National Credit Systems and searched for contact information, as I was unaware of this account being in collections. National Credit Systems state that the account is from XXXX, but have made no efforts in contacting me ( phone call, email, mail, etc. ) to inform me of the debt. When I spoke to the company in XXXX, they refused to send me any debt verification as well as offer as form of options for dispute/mitigation. I called the company again today XX/XX/XXXX and received the same answer : they do not provide any documentation regarding the debt. The company informed me that they offered me a settlement of the debt, but they have not contacted me about it. I had no idea an account was reported and that there has been a settlement offer. They've had my phone number and address on file yet I have been denied verification of the debt.
Product: Credit reporting or other personal consumer reports

Equifax has multiple name codes for me : My information is all over the place and I am becoming a target for identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 Requested Ally Bank the owner of my personal CD of {$120000.00} to be cashed and transferred to my bank account. As of XX/XX/19 XXXX my funds have not been transferred. I have called the bank at least once every day and talked to supervisors who just tell me to wait and give me no firm date or explanation of why my funds have not been transferred.
Product: Checking or savings account

Chime, the bank closed my account with no notice. Chime did not protect my money. The hotel which initially charged my card for XXXX $ + and settled for XXXX $ insists they didn't have the extra funds that were debited from my account. However chime states that if they were not put back in my account that XXXX XXXX has the funds. Neither can show me where these funds are. In fact the transaction has disappeared frommy statement. I have record by screenshot. When I mentioned this to chime they become. Aware of matter. This has also happened with other transactions. All of them becoming expired pending transaction. The money is initially debited from my account. Upon expiring it does not postback to my account. Chime assures me it does. However, I know it does not. Specifically with XXXX XXXX I had to put stop payment. So they definitely could not postfunds back. Chime will not help me in locating these mising funds
Product: Payday loan, title loan, personal loan, or advance loan

I took out this loan XX/XX/year> for XXXX to pay off other bills a consolidation loan. Interest rate was XXXX I live in Michigan and our state does have a a cap of 25 % percent. I did make 4 payments then ran into issues called wanted to make lower payments they refused. They also refuse to make a deal with lower interest rates with my current debt management company for lower payments. 
My balance owed to them now is XXXX outrageous!! With their ridiculous interest rates. I do owe XXXX but not that ridiculous amount! I'm on XXXX XXXX XXXXXXXX and can't keep ahead now! But trying!! Something needs to be done about this company XXXX XXXX XXXX  is XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX.
Product: Credit reporting

This is for Trans UnionPlease note case number XXXX on file for XXXXDear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. I am requesting that the credit bureaus delete the information or correct it. Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

A woman called me claiming to be from First National Bank. She had my full social and debit card number. She told me there were fraudulent charges. She asked to confirm my information. She told me there were two fraudulent charges and asked me if I was in Texas. I said no. She told me I needed to cut up my card and they would send me a new one on Saturday. I challenged her legitimacy but when she new my full social and debit card I believed her and confirmed my pin. Today I got a call from FNB and checked my account. There were 9 {$200.00} withdrawals from my account. They told me to file a complaint with you to protect myself from further fraud. My card is cut up by they have all of my personal information.
Product: Debt collection

Dear Experian, I am writing to dispute the following item on my credit report : XXXX XXXX XXXX XXXX in the amount of {$1300.00}. 
I believe that this item is reporting in violation of my consumer rights. I am requesting that you validate this debt.

I am requesting the notice with my signature upon delivery within the five days of initial communication pursuant to 12 CFR 1006.34 which proves I was aware of this debt and had the opportunity to dispute.

I am also requesting the procedure taken if for any reason this item comes back verified. 
Please investigate this matter promptly and remove the disputed item from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen Loan Servicing has placed Mortgage-placed Insurance on my property, claiming that I do not have the proper coverage. I have Insurance on the property and for months, my insurance agent and I have been going back and forth with Ocwen trying to establish the criteria to which they will be satisfied. 
Ocwen claims that as a condominium, my condominium association needs a blanket policy for the building and a policy for the interior walls of my unit. I have had this coverage for the past ten years. 
I have repeatedly asked them to give me the criteria they are looking for, in writing, that I may take it to the Insurance Company and resolve the matter. I should have a copy for myself in any case in the event that I change insurance companies and need to know the criteria. Ocwen has refused to give me the criteria, stating that the Insurance agent must obtain the criteria. When the insurance agent attempted to obtain the criteria, they get a different answer with each individual to whom they speak. 
Further, they have told me that the placed insurance was due to me not contacting them in response to their letters about the matter. When I contact them, they have all the records of speaking with my insurance agent. The agent was acting on my behalf as they instructed and they penalized me for not contacting them. This is an impossible situation. 
Ocwen has made it impossible to capitulate to their criteria, as they will not put their criteria in writing. They are now calling me daily demanding that I make payments on the mortgage-placed insurance. I have insurance. I have been carrying insurance on the property for ten years and I have insurance still. I am requesting help in requiring Ocwen to offer in writing any criteria to which they have to ability to make a purchase on my behalf, and then pass the charges on to me. I further expect them to remove the mortgage-placed insurance from my loan and reverse any negative credit reporting I may incur from them as a result of their negligence to be forthcoming with the criteria to which they hold my loan hostage. 
Thank you. 

My name is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Loan # XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Fax : ( XXXX ) XXXX Insurance Dept # ( XXXX ) XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called Pentagon Federal Credit Union to inquire about a pre-approved credit card offer that I received in the mail. I told the representative with whom I spoke that I was not interested in the card advertised in the mailer ( a Visa card ) but that I would like to know if the pre-approval applied to their other card products. He told me in no uncertain terms that it did. As far as I knew, he then assisted me with applying for a different product, an XXXX XXXX card, for which he told me I was approved. I found out the following Monday that this representative had lied to me, and in fact he had processed an application for the Visa card without my permission. After numerous phone calls to PenFed and discussions with supervisors I was told that the credit union would not honor the approval for the XXXX XXXX card, which was the only card I was ever interested in opening with this institution. One representative suggested that I simply put in a new application, which I did on XX/XX/XXXX. This application was declined. The result is that PenFed placed two " hard '' inquiries on my XXXX credit report. I have asked them to remove the inquiry from XX/XX/XXXX, since I never consented to apply for the Visa card and in fact the representative I spoke with lied to me repeatedly and told me he was processing an application for the XXXX XXXX. I was told by a couple of people at PenFed that this inquiry could have been placed either in connection with the credit card application or in connection with my joining the credit union, a condition of opening a credit card account. Since none of this was disclosed to me at the time and I never gave my permission to have my credit pulled for any purpose other than to apply for an XXXX XXXX card I reiterated that I expected that inquiry to be removed from my report. I was told by the last supervisor with whom I spoke that the tapes of my initial phone conversation would be reviewed and that I would be contacted after he determined what happened. This was in XXXX. I never received any follow-up call, and the inquires have remained on my XXXX   report.
Product: Consumer Loan

On or about XXXX XXXX, XXXX, I contacted the lien holder of my vehicle, a 2014 Hyundai Sonata, to inform them of a recent financial problem I experienced during my home buying process. I spoke to an account manager by the name of XXXX or XXXX and informed them that a homebuilder in the XXXX area refused to return earnest money I applied against an inventory home. The builder refused to sell the house to me and I immediately requested a refund. I am currently 18 months into Chapter XXXX bankruptcy and I made arrangements to double my monthly car payment of {$440.00} for an {$890.00} payment to be debited from my checking account in XXXX. Prestige Financial debited the XXXX payments and then reported my account 30 days for the month of XXXX. I requested stating that payment arrangements were made and that according to the account manager, I would not be reported late to XXXX and XXXX. I believe that Prestige Financial and my bankruptcy attorney failed to work with me in good faith to prevent this devastating situation from occurring. I am still very much involved in my home buying process and I am extremely distressed by the conduct of Prestige Financial in regards to the handling of my account.
Product: Credit reporting

Equifax is stating they are only reporting what XXXX report by electronic update. I 've have a dispute with CFPB with XXXX as well. Which states they posted to the wrong account on XXXX 2014. XXXX is said it 's Equifax and Equifax says XXXX. Please advise!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both XXXX and Experian reports on my XXXX report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.
Product: Credit card or prepaid card

I owed Barclays a {$2000.00} balance on my Barclays XXXX XXXX card. Their online payment system is horrendous and has caused me a returned payment fee. I've encountered many error codes, website crashes, and other issues. In fact, I just got a letter in the mail saying that they are switching over to their consumer interface for credit cards because their business interface is nonfunctional.

I attempted to make a payment for my card but my bank account was never charged. I still owed the same balance on the card. I then went to resubmit the payment, assuming that their system screwed up like it so often did. Instead, somehow the original payment was future-dated for in 2 weeks. I was not shown or warned that I already had a pending payment when I made the new one. Barclays then proceeded to charge my bank
{$2000.00} twice within a multiple-day span even though I only owed {$2000.00}.

I called in to request a waiver of their {$39.00} returned payment fee but was denied.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had a payment that was due to Capital One. I made the payment on the XXXX, prior to XXXX XXXXXXXX XXXX on that day. I received a confirmation email on XX/XX/XXXX saying that my payment was posted to my Capital One account. I then received an email on XX/XX/XXXX from Capital One, saying that my bank returned my payment. I check my bank account and it shows that the payment went through ; there were no pending balances at the time. I checked it today and it still shows that it has been paid ; nothing was returned in my bank account. I logged into the mobile app of Capital One yesterday to make another payment, as they said the previous was returned. I noticed that I was charged a late fee as a result of insufficient funds when I made the initial payment. The email that I received on the XXXX did not state that I was to be charged a late fee for this ; it said that the payment that I made was returned. I do not understand why I was charged a late fee when I made the payment on time, and the money was drafted out of my bank account. I called Capital One on the XXXX to explore what happened and remove the {$25.00} late fee. They said they could not remove the late fee because the payment was received after the due date, even though I paid it before the due date, and I received a notification that my payment was posted.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX / {$25000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Vehicle loan or lease

THIS LOAN OFFICER ILLEGIALLY USED MY IDENTIY WITH FINACIAL INFORMATION I WAS NOT AWARE OF. I WAS AWAITING SOCIAL SECURITY XXXX FROM BATTLING XXXX XXXX XXXX. I WAS REFERRED TO THE AUTO DEALER BY BROTHER PURCHASING HIS VECHILE THERE. IVE NEVER BEEN EMPLOYED BY THE EMPLOYER WITH EARNINGS AT THAT TIME EVER. PRIOR I WAS LEASING VECHILE WITH XXXX   WITH THE UNDERSTANDING SAME KIND OF CONTRACT WITH MY OWN INSURANCE. MY PAYMENTS WERE HANDLED BY CASH WITH XXXX. I HAD NO KNOWLEDGE OF THE INCOME PROVIDED NOR WAS I ASKED. I WAS NEVER AWARE OF PURCHASING THE VECHILE FOR 30,000 PLUS WITH NO PLACE OF EMPLOYMENT. I HAD NO KNOWLEDGE OF THE LENDER ILLEGALLY PROVIDING FALSE PLACE OF EMPLOYMENT WITH EARNINGS HOLDING ME RESPONSIBLE FOR THE COST OF VECHILE THAT WAS GOING TO BE TAKEN FOR UNABLE TO PAY FOR. I FEEL DEALERSHIP AND LOAN OFFICER USED MY IDENTITY FOR THERE FINACIAL GAIN. THIS IS IDENTIFY THEIFT FOR ONES GAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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
Product: Debt collection

Several phone calls has been recieved from Portfolio recovery and I have explained to this company, XXXX, and XXXX that this is not my account. I I continously get harassing phone calls and disputes from TransUnion has come back that it's my account. When the account was opened and I disputed with the company I was told that I co signed with a person in XXXX texas that have my last name. This account was purchased by Portfolio recovery and it was original a XXXX account. I've never had a {$3000.00} dollar limit on my XXXX  XXXX account. I have two accounts with XXXX  XXXX, one in which I recently opened last year and it's in good standing. Its frustrating to know that something is on your account and it's not yours. When the account was openedi was still in college and this credit inquire was never put on my account. I found that this is strange, so o never knew about this account until one day I started recieving the calls and I have disputed this account from day one.
Product: Debt collection

I am writing to formally file a complaint against Jefferson Capital Systems for their continued and unlawful reporting of an account on my credit report that is a result of identity theft. Despite my numerous attempts to resolve this matter directly with Jefferson Capital Systems, they have failed to take appropriate action to remove the fraudulent account.

Details of my complaint are as follows : 1. **Account Information** : The fraudulent account being reported by Jefferson Capital Systems .

2. **Identity Theft Proof** : I have provided Jefferson Capital Systems with comprehensive proof that the account is not mine. The documentation includes : - A Federal Trade Commission ( FTC ) Identity Theft Affidavit.

- A police report confirming the identity theft.

- Proof of my identity, including copies of my driver 's license and Social Security card.

- Additional documentation demonstrating that I was not associated with the account in question.

Despite submitting this information, Jefferson Capital Systems has neither removed the erroneous account from my credit report nor provided any response or acknowledgment of my dispute.

# # # Violations of the Fair Credit Reporting Act ( FCRA ) Jefferson Capital Systems ' actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. **Section 611 ( 15 U.S. Code 1681i ) ** : Failure to conduct a reasonable reinvestigation of the disputed information within 30 days.

2. **Section 605B ( 15 U.S. Code 1681c-2 ) ** : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof.

3. **Section 623 ( 15 U.S. Code 1681s-2 ) ** : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information.

# # # Demand for Immediate Action I demand that Jefferson Capital Systems immediately : 1. Remove the fraudulent account from my credit report.

2. Provide written confirmation that the account has been removed.

3. Cease any further reporting of this fraudulent account to all credit reporting agencies.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Jefferson Capital Systems to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter.
Product: Mortgage

During XXXX on 2023, Mr. Cooper purchased my mortgage from XXXX XXXX. I was in the process of removing PMI with XXXX, and continued the process with Mr. Cooper. 

The XXXX came to my house, did an interior/exterior appraisal, and then asked what amount I needed to remove PMI. I told the XXXX a number and they smiled and said " oh that won't be an issue ''. 

On XX/XX/XXXX, I received a form letter with the notice of appraisal and denial of my request to remove PMI. The appraisal was artificially low, did not include a number of upgrades that had been completed, and including comparisons that did not match the neighborhood and traits of the home in question. 

After speaking with Mr. Cooper on XX/XX/XXXX, I was told to appeal to XXXX. 

On XX/XX/XXXX, I sent my appeal to XXXX. 

I had no response for XXXX weeks. On XX/XX/XXXX, I called Mr. Cooper. They advised that no movement had occurred on my appeal, and to wait. 

On XX/XX/XXXX, I called Mr. Cooper. They advised that there was again no movement on my appeal, and to wait. 

Through social media, I received contact from Mr. Cooper. They advised my appeal would be reviewed. 

On XX/XX/XXXX, I received the same form denial letter I had received more than 2 months prior. I called Mr. Cooper ( whose phone tree is impossible to get a person on ) and was advised that they did not consider the mistakes or errors on the appraisal I submitted. They told me I could again appeal, that it would not likely change any outcome. 

Mr. Cooper intentionally designs their phone tree to discourage individuals from reaching a human. In more than 2 months of waiting, there was no movement on my case. It was only through my repeated efforts that I received any communication from Mr. Cooper. 

I do not know why they did not consider any information I provided, I do not know why they did not communicate with me about my appeal, I do now know how they arrived at the decision they did, and now they have charged me {$450.00} for an appraisal that is deficient, and have not communicated at all. 

I would never engage with Mr. Cooper if I had the chance again, and everything about them feels predatory.