23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan servicing company, Aidvantage, has had several issues over the last month. Listed below are my concerns. 

1 ) Current bill for {$77.00}. The first support staff I spoke with on XX/XX/2023 could not explain this charge and said it would be handled within XXXX business days but it was not. The second support staff I spoke with today said that it the charge is the difference between what I have been paying monthly while my loans are in deferment, {$520.00}, and what my payment will be once deferment ends, {$590.00}. The staff said this would be removed in XXXXbusiness days. While the delta makes sense, there is no reason to have a XXXX because the is/has been no payment due since my loans have been in deferment. Now if I want to make the {$520.00} payment on my loan while they are in deferment, the {$77.00} bill is going to get paid first as if it was something I missed, which can not be true. 

2 ) There were loans showing up in my account, with a {$0.00} balance, from a university, XXXX XXXX, which I did not attend. These were loans XXXX and XXXX. While these were corrected, I have no idea how the showed up in my account and am concerned about my social security number possibly being accessed by someone else. 


I am very much hoping that Aidvantage follows through with removing this {$77.00} bill that I am seeing but my situation has created a lack of trust in the student loan servicing company and I feel compelled to report this in case other people are dealing with similar issues.
Product: Debt collection

The following collection agencies are reporting a collection accounts on my credit report with XXXX, XXXX, and XXXX. I am a resident of the state of Colorado. I sent a request to all three credit bureaus in XX/XX/2020 and to the following companies at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agencies. Subsequently, I discovered that neither of the mentions companies are licensed collection agencies in the State of Colorado. 

They are as follows : Midland Management XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX The Bureaus XXXX XXXX XXXX # XXXX XXXX XXXX, IL XXXX XXXX
Product: Debt collection

Williams and Fudge called claiming they initiated contact months ago, only after receiving the call did I find an email from them that had been sent months ago but contained little information other than an attached PDF with instructions on how to open it. No where in the email does it state that this is an attempt to collect on a debt and has so little information that I had initially presumed this to be a phishing email. 

It doesn't not seem fair or in good faith for a debt collector to " initiate contact '' with a purposefully vague email that requires downloading an attachment just so they can start the 30 day countdown over disputing the debt. It was not until months later, after the 30 days, that I started receiving phone calls notifying me about said debt. This appears intentional on their part in order to avoid having to respond to a debt validation letter. 

I was able to contact the school in order to verify that this debt was legitimate however as stated earlier this does not seem to be fair to the consumer and intentional on part of Williams and Fudge. 

*I currently can't attach a pdf of the email so below is it copied. 
Subject : Personal Business Body : Your eDocument is best viewed using the latest version of the XXXX XXXX - get it here Welcome to eNotice - Please review this email carefully. 
XXXX Authenticate Your Details : This attached document is intended and restricted to be viewed by : XXXX XXXX XXXX Dear XXXX XXXX XXXX, To open your secure document : 1. Open the PDF attachment.

2. Provide the last 4 digits of your SSN to open the document.

If you follow the instructions and are unable to access the attachment, then you may not be the intended recipient of this email. If you are unable to open the attchment, please use the instructions provided to unsubscribe. 

Sincerely, Williams & Fudge , Inc. 

XXXX Your eDocument is Secure This eDocument is encrypted for your protection. To view the document enter the Last 4 digits of your SSN in the Password field of the PDF. 


XXXX Get XXXX XXXX You'll need the XXXX XXXX to view your secure eDocument. Get it now. 

You may contact us at : Williams & Fudge , Inc. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX Unsubscribe Instructions Go here to unsubscribe : Unsubscribe Link Attachments area
Product: Mortgage

In XXXX my ex-husband and I purchased our home. When we divorced in XXXX, as per our divorce agreement, I was responsible for the home and mortgage. I worked with the lender at that time, XXXX XXXX XXXX, and completed an Assumption of the Loan XXXX it was an FHA loan ). In XXXX of this year, XXXX, the loan was transferred/bought out by Nationstar Mortgage. Initially there were no issues, I received documentation only addressed to me with my current last name ( I remarried and legally changed my name in XXXX ). Suddenly, in XXXX, I am now receiving a mortgage statement in my old name and with my ex-husband 's name. The loan is also now showing up on my ex-husband 's credit report as a joint account, mine also. My ex-husband was able to contact Nationstar and get information on the mortgage account. When I contacted Nationstar they said the only way to remove my ex-husband would be to refinance. I explained the loan was only in my name and had XXXX XXXX XXXX re-fax the documents from XXXX when I assumed the loan in my name only, I also faxed them my current marriage certificate. Nationstar initially said they had never had my current name on file only my prior name even though I have documentation in my current name from them. They are currently telling me that I qualify to assume the loan or to refinance to have my ex-husband 's name removed. They are not recognizing the Assumption I completed in XXXX and will not change their records. Customer service told me there was nothing they could do to help me.
Product: Debt collection

A letter was received stating that I can go online to make the payment settlement for the following account XXXX ( XXXX ) and XXXX ( XXXX ). 

The website for Commonwealth Financial Systems states that we don't have to speak to a representative to resolve these accounts, however when you enter your information it states that your information is not found. This a clear indication that they are not telling the truth. 

On XX/XX/21 I called and provided my verification information to handle these accounts for settlement and was told they are having problems with their website. Well that's not my problem. Just like they will tell me the same regarding the payments that need to be settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my Capital One account I am showing a late payment from XX/XX/2019. I reached out to Capital One before the payment was due and made an arrangement. The associate gaurntees that this will not show as a late payment and it has. I have attempted to dispute this with the credit bureaus multiple times and they will not update it. I have recently sent a letter to them asking that they remove it and they still refuse. Could you please assist?
Product: Mortgage

On numerous occasions Bank of America and their representatives have made representations as to my character and account status that l find beyond insulting, humiliating, and embarrassing. These representations were not only made to me, but to the public as well. For example, when Bank of America represent I have defaulted on a mortgage or Deed of Trust it implies I have intentionally ignored my financial obligations and I am not to be trusted. 

Just to be clear, it is not me who has made knowingly false statements as to the true status of my account, or who has caused this account to default, if any. For example, Bank of America has repeatedly stated I have made multiple requests for mortgage assistance ( RMA ) and, as a result, have been denied on appeal multiple times as well. However, as confirmed today with Bank of America representatives, there are no Appeal Department documents evidencing an appeal or a determination on appeal XX/XX/XXXX. When asked to provide proof of these and other representations, Bank of America never does, but insist on continuing to add insult to injury with their lies. 

In the XX/XX/XXXX Bank of America letter provided by their legal counsel, they attribute statements they have made as mine. For example, it is Bank of America who stated to me in their XX/XX/XXXX letter, also provided by their legal counsel, there is no principal balance associated with this account. It is not I who has made this representation to Bank of America. 

I have put Bank of America on notice to immediately cease and desist with this and similar behavior as I find it to be slanderous, among other things. 

Additionally, Bank of America informed me today my account as been coded as being represented by legal counsel and, as a result, are unable to talk to me directly. I am currently not represented by an attorney and have made this clear to Bank of America. 

Also, after the events of XX/XX/XXXX, I have told these people to stay off of my property as they are trespassing and not to come back. 

88 ) Malicious Credit Reporting. 
91 ) Financial Sabotage ( on a mortgage or Deed of Trust ). 
92 ) Fair Credit Reporting Act. 
93 ) Defamation of Character. 
94 ) Slander 95 ) Liable. 

All previously mentioned resolutions are desired and mandatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

EXPERIAN : Previous Address ( es ) : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION emaailed me my credit report and I can't open it.I called them without getting assistance.
Product: Vehicle loan or lease

My insurance company deemed my vehicle a total loss. A payoff check was issued by XXXX onXX/XX/2021February. It was never applied to my account, I was told it wasnt received. A check was reissued on XX/XX/2021. It was received by Bridgecrest onXX/XX/2021. I was told on XX/XX/2021 that it would take about 48 hours to post to the account. I called on the XXXX and was told to call today XX/XX/2021. I called today to follow up and this time I was told that they dont apply payoff checks to accounts until theyve cleared and that it should post by the XXXX. This doesnt make any sense at all. They have continued to report to all 3 credit bureaus and interest is still accumulating on the loan even though I was told it would not. I have sent multiple emails between mid XXXX and now without any resolution.
Product: Credit card or prepaid card

Fraud alert from : disguised as 'Chase Fraud Alert ' XXXX " COPIED AND PASTED '' Fraud alert Chasedebit or ATM card Because the security of your account is our first priority, we have opened an investigation into this occurrence because we discovered that you signed into your online banking account from a different IP address, which is suspicious or could be fraudulent. 

Please log in using the details presently on file by clicking the link below in order to protect your account from fraudulent activities and unidentified devices. 

www.chase.comXXXX  Please be aware you will be logged out of all open sessions as part of this security procedure, which aims to protect you and your account information from fraud. 

Thank you for helping us protect your account fraud detection XXXX JPMorgan Chase Bank , N.A . Member FDIC & Co.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/2024 was made on time, which falls within XXXX XXXX 15-day grace period. Therefore, the account should not have been reported as XXXX XXXX XXXX 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/2024 through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
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 Credit Cards XX/XX/XXXX these items above should be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXXXXXX XXXX Account name : XXXX 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ( 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.
Product: Mortgage

This is a complaint against Nationstar Mortgage for failing to comply with the Deed of Trust, not releasing phone transcripts as requested, and poor business practices by failing to contact me about my concerns as promised within the time allotted by them. 

I called Nationstar Mortgage on XXXX/XXXX/17 at XXXX Pacific time, to confirm that the money above my previous monthly bills have gone toward my principal pay down. The rep stated that they had NOT been, but instead, I was on a " PLAN '' that held them toward future months payments. I had asked why I was on the plan or who put me on the plan. He could not answer that. As of that date he then changed my " PLAN '' toward paying down the principal. I requested a manager call me back with an answer. He said it would take 5 business days. As of now XXXX/XXXX/17 XXXX Pacific, I have not heard back either by phone or email. I also requested a transcript of out phone conversation. The rep said there is NO WAY of doing that. After probing, I insisted that IT IS possible through the consumer relations dept. He then gave me an email to contact them, which I requested the transcript, and still have not heard back yet about a description, answer, or resolution. 
In my Deed of Trust attached below on page XXXX section XXXX it states the order priority of payments. ( a ) Interest due under the note ( b ) Principal due under the note ( c ) amounts due under section XXXX ie. Funds for Escrow Items. Such payments shall be applied to each Periodic Payment in the order which it became due. ANY REMAINING AMOUNTS SHALL BE FIRST APPLIED FIRST TO LATE CHARGES, ( there are none ), SECOND TO ANY OTHER AMOUNTS DUE UNDER THIS SECURITY INSTRUMENT, AND THEN TO REDUCE THE PRINCIPAL BALANCE OF THE NOTE. 
To my knowledge, Nowhere in that section does it say there are separate " PLANS '' of payment, or who chooses those " PLANS ''. 

I am very frustrated with Nationstar Mortgage breaking the law, and ask that you investigate on my behalf since they are failing to answer and comply with simple requests. Thank You
Product: Credit reporting

Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in XXXX XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected?
Product: Mortgage

I applied for a mortgage loan through Loan Depot. In trying to secure my business they 1 ) promised a discounted interest rate once auto payment was set up and 2 ) promised to refund the cost of the appraisal.

After going with this lender, everything went downhill. After asking for countless documents in an incredibly piecemeal fashion every single day up until the scheduled day of our closing, we did not close on our house in time. After begging the buyers to grant an extension, we finally closed on the house days later after endlessly pressuring Loan Depot to finalize things on their end. 
Loan Depot is now refusing to honor either of their promises listed above. They are claiming that all needed to be completed prior to closing, despite the fact that I have email evidence from their loan officers that indicate the exact opposite : -I tried to set up a checking account to establish auto pay prior to closing in order to receive the discounted rate but was explicitly told I did not need to. I then set up auto pay as soon as I was able to with the bank after closing. They are now claiming that auto pay needed to be set up prior to closing. 
-The loan officer stated that the refund on appraisal cost would come weeks after closing. They are now claiming that it needed to be done prior to closing. Furthermore, Loan Depot did not disclose the transfer tax on the closing disclosure, and were therefore legally required to credit it. A regional manager is now claiming that that credit for the transfer tax covers the appraisal credit ; the two are completely unrelated. 

This is not only bait and switch behavior, it punishes the consumer for the incompetence of the employees.