23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the second time in 2 years, the servicing of my mortgage has changed to another company. The servicing company is now Fay Servicing. Fay assumed the loan on XX/XX/XXXX. I attempted to reach Fay and was told I had to pursue contact through the bankruptcy dept and was given the name of XXXX XXXX as my personal account manager. I called and emailed XXXX several times over the course of a month ( emails provided ) and there was no response whatsoever. Subsequently, I called the bankruptcy dept again to complain and was able to get someone on the phone that said she was not aware of who my account manager was ; I asked to speak with the supervisor a this time. 

XXXX XXXX was the name of the supervisor provided to me. She was unavailable at the time of my call so I requested contact info on her and called and emailed her on several occasions. She did reach out on XX/XX/XXXX and left a VM. I have since tried to correspond with her and asked her to give me a short time on her calendar since she is never available when I call. This has yielded no response. 

1 ) The obvious problem is that Fay, despite trumpeting a new way of doing business responsively ( nonsense ) is unresponsive to non-responsive and I have been unable to get anyone to respond in a meaningful way such as a response to an email. 

2 ) The substance of the nature of inquiries is put forward in the emails and attachments contained within.

3 ) Briefly, I need an escrow analysis completed and have not received one yet, which well exceeds the 60 day time frame as put forth by regulatory policy. At the current level of escrow payment, including what is already credited to escrow, I would have well in advance of {$10000.00} dollars 'after ' payment of my insurance and property taxes due in XXXX. I refuse to keep paying the additional {$780.00} every month that was assessed to correct XXXX XXXX XXXX XXXX miscalculations and subsequent escrow shortage. The shortage has been reversed and I am now due a refund or crediting. I will not continue to hand Fay money that when they feel sufficiently motivated they will hand back to me. 

4 ) There are discrepancies from where the last statement from the prior service provider ( XXXX XXXX ) ended and Fay began. I have asked that this discrepancy be explained. 

5 ) I lost my job 6 months ago, but have recently been rehired. With the signing bonus I am to receive, I can bring the mortgage current. I have also been unable to communicate this point. 

I think Fay should be admonished for their genuine lack of respect and disregard for the most basic customer communication. Personal attorney in copy as well.
Product: Debt collection

This was paid by the VA as part of my XXXX XXXX and the school has continued to try to collect on this. I want this removed from my credit report at once.
Product: Vehicle loan or lease

My complaint is concerning a breach of consumer law and breaking of my loan contract by XXXX  XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My vehicle was repossessed on XX/XX/24 and on XX/XX/24 at approx XXXX XXXX  I spoke with a gentleman by the name of XXXX XXXX who is the repossession supervisor with ccm finance. On a recorded phone call, he stated that he was not going to give me the right to redeem my vehicle and proceeded to refuse to tell me the total I should pay to get vehicle back. He then used harassing and threatening language before repeating that " they will no longer be doing business with me '' completely violating my right per the contract to redeem my vehicle. This lender has engaged in consumer rights violation by using misleading, misrepresentation and deceptive practices. They then send me a payoff statement via email and failed to furnish any documentation on how to redeem the car and the cost. I have attached all the evidence to back my claim in court. XXXX existence of contract XXXX plaintiff CCM finance LLC did not perform contract obligation XXXX breach of contract by CCM finance LLC XXXX XXXX I have suffered financial loss by losing my job currently and financial hardship in future due to this being reported to my credit report.
Product: Credit reporting or other personal consumer reports

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX I regularly monitor my credit report and just got a notification that someone has applied for credit cards in my name using my name and I am worried I may potentially be a victim of identity theft. I DO NOT use credit cards and I do not know what to do. it has cearly put me as a high risk on my credit report and not to mention lowered my credit score as well as put several hard inquiries on my credit score as well. Is there any way these can please be removed. I am very concerned. 
these companies were discover which were 2 times on the same day!!! and then XXXX XXXX???? 
Please help and thank you for your time
Product: Payday loan, title loan, or personal loan

I have tried to call the company twice I was put on hold for hour no one ever pick up. I had my loan modified in XXXX. This is installment loan. I am not sure why they closed on credit report. Also credit report has not been updated since XXXX XXXX. The balance the amount pay is in correct. On the billing I will owe forbearance balance XXXX not sure what that is
Product: Credit card

we ( my XXXX  and i ) bought a time share with many pages of contract. part of the pages of the contract was the application for a new credit card. 

When the card arrived i shelved it for a week before i called to " ACTIVATE '' the card. Then several days later when i tried to use the card it was " denied ''. When we checked online why the card was denied we found out that it had a {$14000.00} charge already applied to it. 

We then denied the charge and was told that the charge was applied as the account number and the security code were present when applied. 

My question is this " is it customary to apply charges on a card before it is " ACTIVATED '' what if i never called to activate it who pays for a unacceptable funds that accumulated from it's existance?
Product: Student loan

Navient has told me I am behind 2 payments! Interesting enough I made a payment of {$220.00} plus an additional amount which was less than the {$220.00} and am no longer 2 payments behind. Their accounting system is a joke!!! I have made payment to the lender, Navient-some payments were late, but not 30 days late in recent history ( meaning more than 18 -24 months ). I made 12 payments in XXXX and 7 in XXXX through XXXX XX/XX/XXXX. I expect to pay a late fee when paying late. I made 2 payments in XX/XX/XXXX and was told I had missed a payment as XXXX 's payment was never applied to XXXX from the extra XX/XX/XXXX payment. In addition, I was told I had missed several payments previously, did not qualify for the CARE plan, did not qualify for reduced payments in the past when I had made them per Navient or deferred payments in the past when their company had set them up. Also, I have never received a full payment history from this Lender when my loan was transferred to them from XXXX XXXX on XX/XX/XXXX and I am unable to get in contact with XXXX XXXX. In the past Navient would call me as many as 15 times per day when my payment was as much as 1 day late -to the point of harrasment. This was happening during the period of Covid. It became so disruptive to my workday-I was forced to block their calls! 
Lastly, the account history available does not give a clear understanding of when I am in deferment and when I am not. I believe I am not being properly credited for the timely payment I have made. I have attached this history. 
I paid a total of {$410.00} on XX/XX/XXXX and XXXX to bring my account current. They claim my payment is due on the XXXX. I have not seen a statement in over a year!!! 

I don't know my account number, because it is not readily available on the webpage and I do not receive a statement or an email document from Navient so I am forced to enter my social security information to access their website!! 

Payment history for XXXX and XXXX is below : XXXX {$220.00} XXXX {$210.00} XXXX {$220.00} XXXX {$210.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XX/XX/XXXX -- $ {$220.00} XXXX $ {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$170.00} XXXX {$220.00} XXXX {$220.00} Navient is a predatory lender that takes advantage of the system and twists it to their advantage. They have been the subject of multiple lawsuits for this very type of behavior they are exhibiting again and yet are still allowed to be in business and people such as myself are forced to deal with them. We can not just simply go somewhere else!!! 

Respectfully, XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A states I have a 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: Credit reporting, credit repair services, or other personal consumer reports

I am asking that this company to seize its illegal activities. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. I have no contract with ( credit control corporation ) this account is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I received a copy of my credit report and discovering inaccurate and missing information being reported, on XX/XX/2022 I sent letters to Equifax and XXXX about these information and asked them to investigate and remove those erroneous information from my credit report affecting my credibility. But unfortunately till this day I haven't received any correspondence from them in regards to my dispute. I feel my right to fair credit reporting violated and being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : NOT MINE SEE ATTACHMENTS OF PREVIOUS VIOLATIONS : XXXX XXXX  - Closed 9 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Legally paid in full for less than the full balance NAME : NOT MINE : XXXX XXXX NOT MINE : XXXX, TX,
Product: Credit card

While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB/AMAZON XXXX '' on XXXX/XXXX/2014. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my old account with XXXX XXXX to have a credit line of {$7500.00}. The credit limit was {$8000.00}.
Product: Mortgage

I am in the process of closing on a home at Bank of America in XXXX XXXX, Florida and my Loan officer XXXX, her Boss XXXX and his boss XXXX have been absolutely no help at all during my first time purchasing a home. They do not respond back to emails, they do not answer calls their incompetence has now made it where I am unable to close on the date expected. They are not on top of their job, I have to constantly check with them but receive little to no help. My realtor has even offered to provide his assistance but still gets no help. They are late on giving me updates on what documentations they need from me, they give misinformation about the process. I have multiple emails complaining to XXXX and XXXX about XXXX but received no response. I even called the bank of america customer service to complain because I am unable to reach anyone. Now I am at jeopardy of losing my deposit because they are not doing their job. I have multiple emails I sent to them with no response. It's ridiculous because now I have no idea when I will be able to close.
Product: Student loan

Navient calls me about 7-10 times a day. I have tried to talk to them and explain I am in a financial hardship and I am struggling to even pay my bills. I have paid them before and put myself into financial struggle. My loan interest rates are XXXX, and 14 % and even when I do pay them interest builds that amount back the next day or two. They have contacted my family, my ex fianc and his sister. I want to report harassment, every time I talk to them I try to explain that I can not pay a lot right now and the payment is still $ XXXX a month.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. As a result, the following fraudulent account and unauthorized inquiries have appeared on my credit report without my consent. I am requesting that they be immediately blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Account XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accuracy of the following accounts that appear on my credit report. I believe these accounts are in violation of the following laws : FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, FCBA. 

The following accounts are inaccurately reported 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. I have attached supporting documentation for your reference. 

These inaccurate accounts have caused me significant emotional distress and financial hardship. I urge you to take swift action to rectify this situation and remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer support services and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures, to prevent fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute and resolution was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant financial loss, significant inconvenience, And I seek appropriate redress for these violations. 

Dates of Use : XXXX. Amount : over {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card

I have disputed three transactions with chime, XXXX canceled grocery order at XXXX where I provided Cancelation Ref # and XXXX names, dates ; and XXXX other orders XXXX XXXX tv and HDMi cable and XXXX XXXX groceries with no delivery confirmation. These were never received ( where I provided dispute documents, police report, tracking order info and emails from vendor.
Product: Checking or savings account

I disputed a {$1700.00} charge for a damaged dress with a hole in it sold to me by XXXX XXXX. I received an email after 2 weeks from Capital One stating that they hadnt received the documents to investigate the charge and would be charging it back. I explained that it was taking me a while to label the exhibits and would be sending over the proof of the damaged dress as well as the appraisals of the dress that were for {$800.00} and {$900.00} respectively. I sent in the documents about 4 days later and Capital One informed me that theyd received the documents and were investigating. That was XX/XX/2021. 
Fast forward to yesterday when I received a direct deposit for about {$3500.00}. I paid 3 credit card bills and instead of my 3 credit card bills being paid, Capital One paid 2 of them and reversed the {$1700.00} credit given for the XXXX XXXX purchase with no good reason. Capital One was clearly waiting on the opportune time to reverse the credit instead of genuinely investigating the purchase by the merchant, XXXX XXXX. Now my credit card payment is going to bounce back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Orginal Creditor : XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Amount Paid : {$610.00} Payment Date : XX/XX/XXXX I called into XXXX XXXX on XX/XX/XXXX to agree to pay to delete off my credit report. I spoke with XXXX XXXX XXXX he advised me that if I can off my account this will be removed from my credit report. I filed a dispute with XXXX and the dispute came back as updated as information is correct. I called XXXX XX/XX/XXXX to get an update and what is going on with account being deleted off my credit report. Rep advised me that they do not honor the pay to delete off account. I advised that previous rep stated it will be. He transferred me over to supervisor XXXX XXXX and he advised me there is no record of previous rep adving me of that. I asked for the call to be pulled he advised that I needed to call XXXX. I advised that y'all bought the account from XXXX  why would I need to talk to dish.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX / XXXX /Collections XXXX and XXXX XXXX XXXX XXXX have not removed Student Loans to include Credit Agency 's XXXX Trans Union and XXXX. I applied as XXXX XXXX in XXXX. The loans are supposed to be paid in full as a requirement of Federal Laws and have not been done. It's on all Credit Records mentioned above to include a Collection Agency XXXX. I am a 100 Percent Service Connected XXXX Veteran and they were also previously sent all documents via US mail and emails electronically. I haven't received any response and XXXX locks me out over the website and over the phone it is routed to collections Dept only. Being a 100 percent service connected XXXX veteran by federal laws all these loans and credit corrections are supposed to be done. My school 's attended XXXX XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX AZ XXXX Thank you
Product: Debt collection

I have no knowledge of this account at all. I sent several letters to company asking them to please remove this account I never authorize, used nor applied for this, I sent several letters asking company to validate this debit as mine, I called Spoke with A representative whom was rude and failed to give me any information other than tell me I better pay for a debt that 's not mine. I 've never received no knowledge of this. I viewed my credit report and this was on there and that 's how I 've gotten knowledge of this account. I sent letters to credit Bureaus asking them to send me what ever information that got about me opening these accounts .I begged them to validate them and send me whatever proof they got .After several months of stress I received nothing in response from the credit Bureaus Nor Company that 's reporting this debit, Not Mine, Not Authorized, no legal contract with this company.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.