23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I feel like I am missing a lot of payments on my account. Particularly for XX/XX/XXXX and XX/XX/XXXX. I have been on the IBR repayment plan I believe since XX/XX/XXXX and because of low income during residency/family size my payments were $ XXXXmonth. I feel like my payments should be a lot closer to 70 payments and instead only showing approximately 20 payments. I know Navient is involved in multiple lawsuits alleging misallocation of payments and I feel like my account is on par with the same alleged complaints. I have also been put in forbearance in the history I have been with them due to them saying they never received paperwork for spouses history when I in fact did send it. Can someone address this please?
Product: Debt collection

I have contacted Hillcrest Credit ANG regarding this matter. This agency has made false report on my credit and also continues to make harassing phone calls all day long. I have informed this debt is not mine and they have made zero attempt to do an investigation. I have never been a patient of XXXX XXXX XXXX. I have Health insurance that i would use for doctors visits IF I needed to go!
Product: Payday loan, title loan, or personal loan

Applied for loan in XX/XX/2018 and had the following experience : 1.  Representative gave me a list of documents they needed, but wasn't specific, so I had to find and upload different documents related to the same income. 
2. Many first-line customer service reps have thick accents and talk so fast you can't understand them. 
3. On several documents, I had to submit the same document 3-4 times, despite telling the reps that I'd already provided those docs. 
4. I answered the same questions 4-5 times, e.g. " what bank does your pension check get deposited in? ". From this and other repetitive issues, I deduce that their internal processes are not thorough, nor are their people well-trained. They obviously do not take good notes from their conversations with loan applicants. 

5. They promise a decision within 24 hours. It took 6-7 days for me because of all the duplicative questions and requests for documents. 

Definitely NOT a good company to do business with. Regardless of my loan decision, I would be filing this complaint. People should not have to go through this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a collection account was added to my credit profile. I have never heard of, applied for credit, or received credit from this creditor, or from the original creditor. This acct says it was opened in XXXX. I have never received anything in the mail, any telephone calls from this company. No communication at all to review, or dispute this account. Also, when this account was allegedly opened, I was not working full time and would have not even qualified for this loan. This account was erroneously reported in my name and on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested that a signed document with my hand written signature to be sent to my mailing address to verify my account however the signed document was never sent
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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
Product: Debt collection

My sister was recently contacted by a so called " debt collector '' stating that she was over {$2000.00} in debt with HSBC. She asked the company to verify her account number and the account number they had on file did n't match any account numbers she currently has. My sister also checked her credit report and none of the account numbers listed on her credit report matched the number the company gave her. The debt collector that called her is now harassing her by nonstop calling her and leaving her multiple voicemail messages stating that it is in her best interest that she calls them back. They have also threatened to sue her and contact her employer to garnish her wages if she does n't pay them the money owed. Now since my sister is not answering their phone calls, they have now contacted myself, both of my parents, and my aunt to try and get a hold of her. The number that contacted me was XXXX. They left me a voicemail asking for my sister and stated that she needed to contact them immediately. The number they left for me to contact them was XXXX ext XXXX.
Product: Mortgage

I recently started the 3 payment trial period with my mortgage servicer Select Port Folio XXXX. My 1st payment was sent to them XXXX. I have received a property foreclosure notice for XXXX. I'm paying the mortgage payment, how am I receiving a foreclosure notice with a sale date for my home. Also please contact foreclosure attorney XXXX XXXX TN, XXXX to cancel foreclosure sale.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX give authorization to all XXXX, XXXX and XXXX to move forward with this complaint. I have proof they are in violation of the FCRA, 15 USC 1681L and 15 USC 1681a ( e ). In a previous CFPB complain they had stated that they will undergo an investigation with the original data furnisher. When in fact, an investigative consumer report is to be verified through interviews with neighbors, friends, family, and associates. They 3 consumer reporting agencies has in fact conducted no such interviews. There is also not supposed to be any factual information from the original data furnisher on my investigative consumer report, all pursuant to 15 USC 1681a ( e ). So this could only mean that all 3 consumer reporting agencies are attempting to verify this transaction with non-factual information. No adverse information is to be included in my consumer report during an investigation pursuant to 15 USC 1681L. I have proof that all 3 consumer agencies are reporting adverse information before, during, and after all investigations which is a direct violation, making all three consumer reporting agencies civilly liable and criminally liable pursuant to 1681n and 1681o.
Product: Credit card or prepaid card

I want to know why XXXX XXXX bank of america are infringing on my second amendment right make perfectly legal XXXX purchases.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, XXXX Dear Wells Fargo, Back in XXXX of this year I had finally filed a complaint against Wells Fargo XXXX Credit Card with Consumer Financial Protection Bureau - Case number : XXXX, due to processing violations, lack of billing consistency and poor customer service to correct problems. 

Since then, XXXX closed my card, once again increased my interest rate and applied a penalty to my card because XXXX has been sending my bills to the wrong address. The card belonging to XXXX XXXX had been sent to her address - she did not pay nor did she forward me the bill. The card for XXXX XXXX has been sent to the correct address and has been paid. 

I tried to call XXXX Credit Card department multiple times to fix these problems. If I made contact with a person, I was hung up on for pointing out their inflexibility to assist with my situation in the wake of your own fraud. My call usually got lost within their automated system ; being transferred and looped through, only to be disconnected. 

I am drowning in penalties and interest that has been tacked onto my account through XXXX XXXX purposeful manipulation of the system. This is unacceptable. My personal credit cards have had none of these issues. This is one more way Wells Fargo has falsified information and engaged in illegal business practices to meet their financial goals. There is no ethical consideration for the harm and stress you are inflicting on people and small businesses. 

I am requesting you cut my debt in half and reduce my interest rate for the current bankrate because half of the debt is from the penalties and interest rates you have compounded due to XXXX XXXX illegal manipulations. 

Disgusted Client, XXXX XXXX Cc : Oregon Department of Justice Consumer Financial Protection Bureau Federal Trade Commission XXXX - I received a credit card application from Wells Fargo, after they closed my business account. They are still trying to open accounts to meet their financial goals despite all the illegal activity theyve been caught participating in. Credit card debt is at an all time high - this is XXXX of the major factors.
Product: Debt collection

Portfolio Recovery Associates, LLC is continuously and repeatedly calling trying to collect an alleged 7-8 year old debt that has long been disputed and removed by all credit bureaus. I have asked the company to stop calling numerous times. 

Dates of recent phone calls : XX/XX/2019 XX/XX/2019 and numerous times before that. 

The company uses a different generic phone number to call so blocking them is useless.
Product: Vehicle loan or lease

CFPB COMPLAINT : This is to file a formal complain to CFPB against SATANDER CONSUMER USA XXXX. This is with regards to my account ref # XXXX. I would like to report this businesses UNFAIR BUSINESS PRACTICES including they LACK OF CUSTOMER SERVICE. Below are their  violations : 1. CANCELLATION OF AUTOPAY/ACCOUNT MISHANDLING. I called Santander today XX/XX/2018 and Spoke to a representative named XXXX. He confirmed that the last auto payment was posted XX/XX/2018. He also confirmed that Santander cancelled the autopay because the payoff amount ( last payment ) is lower than the actual regular scheduled payment. Why would the cancel my autopay if the payoff amount is lower? I would have understood that they canceled my autopay if my payoff amount is higher than the designated payment amount, but this is not the case. Cant they just change the amount to what they payoff amount is instead of canceling my auto pay? This is definitely one of their Unfair Business Practices. 
2. LACK OF CUSTOMER SERVICE. Santander did not notify me that they will be cancelling /disabling my autopay. When I called today and spoke to two different representatives. They said they normally do not send out notifications, or they dont notify clients about it. They confirmed that there are not notes on the system showing that I was notified about my autopay status. 
3. DISPUTES SHOULD BE DONE BY SUBMITTING A DISPUTE TO THE CREDIT BUREAUS. 
Santander refused to help resolve the error they reported on my credit report. The rep I spoke with, said that I need to file a dispute to the credit bureaus first then the credit bureau will contact them. When I asked the rep why I can not file a dispute directly to them and why do I need to go to the credit bureaus, he just said that that is the process. Their credit department do not even have a phone or fax number. 
4. SANTANDERS REFUSAL TO ACCEPT THE PAYMENT OVER THE PHONE. Attached to this complaint is a letter from my ACCOUNT MANAGER XXXX XXXX who manages this account and makes payment for this loan. As a matter of fact when I spoke to Santander rep today, they confirmed that they have her name showing on the account enrolled for the auto pay. The refused to assist her when she called Santander and refused to accept payment over the phone. Had Santander accepted the payment, then we will not end up with this situation and my credit file should have been damaged. 

Despite the fact that the damage on my credit report are due to their errors, they wont help. Their negligence and unfair business practices violates the California Credit Reporting Act due to missing late payment disclosure. They wont even accept a dispute and wont do anything to delete the incorrect and unfair late payment theyve reported. These facts are enough for me to file the SC100 ( see attached ) in 30 days and take this a step further if this issue will not be resolved here in the CFPB.
Product: Debt collection

I submitted a written request over 2 months ago when this account first appeared on my credit report. I asked for verification of debt and inq why I never received anything in writing. They then removed it from my credit report and then today it is back on there.. But they still have not sent me any proof or verification of this debt. I just want what I have asked for multiple times in writing, since I know that is my right as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I received a letter in the mail from a company I have never heard of did business with in any way, A debt validation letter was sent out on XXXX XXXX via certified mail with return receipt. Seeking validation for the alleged debt in accordance with FDCP guidelines
Product: Mortgage

My Mortgage was recently transferred from   XXXX   XXXX   to  XXXX   XXXX  Mortgage. I was told that starting  XXXX   XXXX  I was to set up an account to have my  XXXX  payments deducted.  XXXX  was no longer managing payments. I c alled Nation Star and  they said a packet would be sent by  XXXX . If I did not receive it by that time to call. I did not receive it by  XXXX  and I called in. The rep gave me my new loan #. I set up an account on  XXXX  my money was taken out. Then on  XXXX  another payment was taken out.   On  XXXX   XXXX , I called to find out wh y two pay ments were taken out the representative (  XXXX   XXXX   ) w ho gave me her phone number  XXXX   XXXX   XXXX   XXXX , told me that  XXXX   may  have taken it out as well. I confirmed that my account with  XXXX  was closed. The representative and I placed a conference call with  XXXX   XXXX   XXXX    XXXX     ( Spo ke with  XXXX ,  XXXX   XXXX   XXXX   Representative  ). He confi rmed all my payments were made until  XXXX . They did not take out  XXXX . I was issued a credit to my account. I went online to check the next day and there was a pending payment for  XXXX  still in my account. On  XXXX   XXXX ,  Nation Star too k out the amount again. I placed another call  to Nation Star about this and was told after 45 minutes that a manager named was informed and I would have the money refunded within 48 hours. That has not happened. Also, every representative I spoke with at Nation Star gave me their phone numbers but stated they usually can n ot be reached on these numbers. I tried to reach  XXXX  and phone rang o ver ten times. I trie d her phone number many times throughout the week and the phone just rang. I do not understand why no one can direct me to a phone number where calls can be returned. I find this highly unprofessional. Also anytime I asked a representative why this was happening with the payments they could not tell me. They also were unaware of the transfer issues. It seems that no training has happened to assist your representatives on how to handle these situations, which I find very disheartening. I do not have the time to spend on the phone at work or to have double payments taken out.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX
Product: Mortgage

I asked Rushmore Loan Management if they offered any payment deferral for Covid on XX/XX/2020. They said yes I could defer up to four payments that would add to the end of my loan PLUS a {$150.00} fee. Now they have asked for payments of 4 payments when I only deferred 3 additional they want a new loan plus thousands in fees. This is fraudulent and I have attempted to resolve this without success. They have sent multiple conflicting requests NONE of which in what was originally agreed by their agent. I am XXXX years old and I feel they are attempting to take advantage of me
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 1681XXXX 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 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 there a accounts attached that have 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Product: Credit reporting or other personal consumer reports

the company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making them in violation of the law.
Product: Credit reporting or other personal consumer reports

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via XXXX Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. The credit bureaus have not been processing my disputes and it's been several months.
Product: Credit card or prepaid card

My balance due on my Bank of America credit card statement for the period of XXXX was {$290.00} with a payment due date of XX/XX/20. I sent a check for {$290.00} to Bank of America which was cashed by them and applied to my credit card account on XX/XX/20. I received my next Bank of America credit card statement for the period of XXXX fully expecting that there would be no interest charged to my account as my payment was 1 week before the due date. To my surprise I found that they charged me {$2.00} interest on my prior months balance. I called Bank of America 's customer service number to ask why I was charged interest when my payment was 1 week before the payment due date and was told that in order not to have interest charged the payment has to be received before the statement end date which was XX/XX/20. I asked how can a customer pay before the statement end date when the statement isn't mailed out and received until days after the statement end date and customer service told me that I should monitor the account online. I explained how absurd that was and they said that all credit card companies do this, I checked my other credit card statements and did not find any other credit card company doing this. I feel that their policy is unfair and unworkable to the average consumer, especially those who do not have computers and access to their online accounts. If a credit card statement lists a payment due date and the payment is received by that due date the customer should not be charged an interest fee. If you multiply this unfair interest fee times 12 months and the millions of customers Bank of America has you can see that they are unfairly making millions of dollars at the expense of consumers. This is not right, especially in this unstable economic period.
Product: Mortgage

My mortgage is at about 6.5 %. Refinancing sounds like a good idea -- as far as getting a better rate, lower payments, etc. -- but I do not trust the entities that are holding my mortgage or that are offering the refi 's. I suppose that this is mostly about my fears regarding the mortgage, in that none the other entities involved in my mortgage -- original bank, inspectors, appraisers -- seem trustworthy. The value of my home has been re-assessed downwards twice by my home county since closing. I am aghast that no one had a fiduciary responsibility but me. In that a refi seems to mean that the bank is willing to earn less from me for the mortgage over time, I start looking for hidden dangers. No way would they reduce my side of things once they 've got me on the hook. 

Can you help to explain how refi 's work, what I should expect and what I need to know to feel more comfortable about this?