23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans were automatically transferred into the 'SAVE ' Income Based Repayment Plan from the 'REPAYE ' Income based repayment plan by Nelnet. The updated monthly payment number provided by them was almost double what the student loan calculator and my student loan planner estimated. So a new IBR application was created by me in XX/XX/XXXX. Several weeks went by without hearing anything from my student loan service provider. I contacted them and they said that they needed updated financial information from both me and my wife. I asked why I wasnt contacted by them directly to provide the information and they didn't have an answer. The information they asked for was provided on XX/XX/XXXX ( 1040 Tax forms for my wife and I ). I didn't receive any correspondence from them up until today, XX/XX/XXXX, in the form of an email saying that my application has been approved. When logging into Nelnet my estimated monthly payment responsibility INCREASED from $ XXXX to ~ $ XXXX. I immediately called the customer service phone number and was on hold for 1hr and 51minutes before a representative was able to help me. The representative told me that the estimated monthly number is high because they didn't include my wifes student loan burden into my calculation. When asked why, they responded that it's because I marked off on the application that we plan to file taxes separately. The Nelnet provider incorrectly advised me to resubmit a new application specifying that my wife and I plan to file JOINTLY in order to have her student loan date incorporated into my monthly calculation. Nelnet told me that the only way they will include my wifes loan data into my calculation is if I specify that we plan to file joint taxes. This was incorrect information provided by Nelnet. The SAVE plan allows married borrowers to file separately and I shouldn't have to submit a new application. Nelnet needs to calculate my monthly payment based on BOTH my wife and I 's student loan burden which will ultimately decrease my monthly payments significantly.
Product: Mortgage

I 'm writing to you in need of help because foreclosure complaint has been filed against me. I here by submitt the facts for your review and assistance for my loan modification pending with M & T Bank. Here are the reasons why : 1. Failure to respond to Foreclosure complaint within the time frame with advice given to me by my servicer 's XXXX XXXX XXXX XXXX, XXXX, representative XXXX XXXX stating the Modificiation would be approved in the immediate future, which was totally misleading and has jeopardized my standing and rights in the Florida Judicial System. 2. Plaintiff violated Federal Law when filing Foreclosure Complaint, a violation do Federal Government Dodd Frank Act, known as " Dual Tracking. '' You can not file a Foreclosure Complaint or continue foreclosing on a borrower who is in the Loan Modification process. 3. Plaintiff and Servicer, both are negligent in allowing such action to take place knowing borrower was in The Loan Modification process. 4. Borrower, single parent raising ( XXXX ) children has been exposed to undo stress, anxiety and threat of losing home as a result of Plaintiffs illegal action and not to say the emotional distress the children have been exposed to. 5. XXXX XXXX, Plaintiffs Servicer continually subjects Borrower to poor servicing, asking multiple times for same documentation, and threatening Foreclosure as they say I am NOT in " Compliance '' with the HAMP Guidelines which is a total fabrication. 6. XXXX XXXX continually fails to answer or return calls, answer emails and subject me to more stress, frustration and sleepless nights. 7. Plaintiff fails to provide proper oversight of Servicer and their Federal Violations as outlined and required by " The Consumer Financial Protection Bureau '' enacted by Federal Regulations Act under Dodd Frank Law. 8. Borrower is writing a Formal Complaint to the Consumer Financial Protection Bureau asking for assistance and intervention with both M & T Bank and XXXX XXXX XXXX XXXX to ask for sanctions against both entities for these Federal violations and the approval of my loan modification. 9. Plaintiff and Plaintiff 's Servicer have failed to follow " Consumer Fair Debt Practices '' also a Federal and State violation. 10. Plaintiff for weeks and weeks has stated the modification is with the unwriter and borrower will be notified any day and that day has yet to come.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated MayXX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The Credit Reporting company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.
Product: Checking or savings account

On XX/XX/2024 my Chime account was closed. Even that before I called them several times to inform about some transactions that I didnt authorize and told them that someone else had access to my account. They didnt stop the transactions so instead they close my accounts and until this day I dont know what happened to my remaining balance I also noticed they took XXXX to pay for this fraudulent transactions that I in advance informed them and when they closed my account I saw my remaining balances was different from what I had in my account. Its been a month and I havent received any information or any updates I keep checking my mail every day and I need help to recover my money this is unacceptable because I have bills to pay and am a single mother they took all my savings please someone help me
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX - {$2000.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

On XX/XX/XXXX - {$200.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

On XX/XX/XXXX - {$1100.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

I first contacted Cash app notifying them there was fraudulent activity on my account and I have no idea of why this money was sent or aware of where it was sent. They refused to help. In XXXX I decided to take this to local police department since cash app refused to help. I filed a police report. Cash app then sent my detective a link to send his information. He even got information signed by a judge as required by cash app. To this day now almost 10 months later nothing has been done and I have yet to receive a penny of what stolen from me at the expense of the Cash App platform. My cashtag is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Earlier today, I discovered that my credit report contained inaccurate accounts, and I am unsure of the reason. I check my credit report frequently, but this time, I encountered discrepancies that were never there before. I even attempted to refresh my browser to rule out a glitch, but the errors persisted. Given this situation, I kindly request a detailed review of the documents I have submitted so I can put this issue behind me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B the account FSTPROGRESS XXXX is a billing error. I am requesting that this account is changed to paid as agreed never late. Please see the attached dispute letter, which is dated, and time stamped. You are also reporting inconsistent information such as the date last active and the date of last activity which is also a violation of the FCRA. If you are furnishing incorrect information, the payment history you are reporting is not credible and I will have to consider other legal options if the late payments are not removed from my credit report within 7 days.
Product: Mortgage

I applied for mortgage loan with PHH mortgage company they approved for {$690000.00} loan. and after I singed a contract with a seller, pay an inspection fee for {$820.00}, deposited XXXX and after they locked me for 5.125 % interest rate for 30 years, they denied me a loan. I strongly believed the only reason they didn't want to give me the loan is, just they are discriminating me against, my XXXX  XXXX, my ethnicity. for this reason, I lost the house I was in the process to buy. 

and i have an email responding with the company 's employer who was assigned to my application processing and also, i have a voice message which it was a congratulation we are going forward to give you a loan.
Product: Credit card or prepaid card

After purchasing a vanilla gift card on XXXX XXXX XXXX XXXX XXXX XXXX  for {$200.00} at XXXX upon open the sealed package I discovered that the numbers on the card were deliberately scratched off making the card useless. I went back to XXXX and showed the XXXX the defective card I just bought, he tried to run the card through a card machine and that didn't work either. He then tells me there is nothing else he can do and can't refund me or replace the card. They sold me a defective card and now they don't want to give my money back. I called the number on the back but they asked me for my birth date and a copy of my XXXX amongst other info, I was not comfortable with that, so here I am.
Product: Mortgage

We originated our Mortgage through XXXX, who in turn sold our loan to XXXX XXXX XXXX. During the housing crisis our family experience a job change and XXXX hospital stays for our daughter that resulted in a {$60000.00} loss for our household that year. My husband and I who are now separated, but working on reconciliation. We contact XXXX XXXX XXXX XX/XX/2011 to negotiate HARP assistance. XXXX XXXX XXXX lost our paperwork twice, and delayed getting help for over XXXX months. We even enlisted a credit counselor service who promised to get us " back on the road to financial recovery '' who took our money and failed to pay our bills. The only resort we had left was to file Chapter XXXX bankruptcy XX/XX/2011. Once we did this XXXX XXXX XXXX immediately sold our loan to NationStar. We have had nothing but trouble reaching NationStar to discuss anything with or negotiate or take action. They place you on hold for more than 15 minutes at a time and then hang up on you. We are broken, exhausted with the trials of the last five years of struggle in order to make ends meet and we can not get the help we need. We have both worked since the age of XXXX and are hard working. We have always tried to do all the right things and teach our children to do the same, yet we seem to never be able to get ahead. We are now having health issues due to all the stress that both XXXX XXXX XXXX and now NationStar are putting us through. We received a notice a week ago that they have involved XXXX XXXX XXXX to begin the foreclosure processes, however we have not been served with notice, nor any postings placed on our residence and we are still in Bankruptcy, which will not end for another year. NationStar told the US Bankruptcy court that they had served us a notice regarding mailing address changes, however if this is the case, then they did so fraudulently and without valid due process. We both work 10-12 hour days both of us have long commutes my commute is an hour in the am, his is more like XXXX, due to traffic issues in XXXX. We have tried to work hard for the " American Dream '' only to find ourselves in our late XXXX 's back to square one. We have attempted to contact the HOPE program, but they seem to do little to help and take a while to help with problems that need to be resolved immediately. I am sure they are busy, but this housing crisis problem is still very much alive and in my opinion, far from over or near resolve. From what I can see online, settlements for those hurt by XXXX and XXXX XXXX XXXX actions have been disbursed or closed. So, those that have continued to try and do the right thing, attempting futilely to gain control of the losses that plague them, have now missed the life preserver thrown out to help those injured. It saddens me that the Whistleblower 's who spoke out about what happened to consumers while working with XXXX XXXX XXXX faired much better ( in financial compensation ) than those people who were truly injured/affected by those Whistleblower 's actions. These people cost consumer 's their homes, their livelihood and their mental health.
Product: Student loan

I have a private loan through Sallie Mae. They have been misleading about the status of my loan, have marked me delinquent despite never mailing me at my proper address, they list correspondence on their site as having been mailed to me that I actually never received, and they have refused to change my contact information after numerous requests. The representatives apparently do not keep notes on my account ; I provided one with my checking account information in order to have payments deducted automatically, and despite the fact that XXXX payment was successfully deducted, the next month they claimed they could n't withdraw from the exact same checking account because it " did n't exist ''. They never notified me of this ; I had to contact them and ask them why the payment had n't been deducted. After making sure they had the correct account number, I was told by the representative that payments would resume the next month and I did n't need to worry. About a XXXX later ( in the same month ), I received a phone call informing me I was delinquent and payment needed to be remitted immediately. This level of disorganization and negligence is unacceptable. It has adversely impacted my credit report due to their reporting me as XXXX days past due, despite my never having received notice. They refused to provide loan deferment options, yet are making it difficult for me to pay. They will also not mail me information on my loan balance, as I have repeatedly requested.
Product: Credit card or prepaid card

Please see my attached letter case # XXXX. 

Please do not publish this request if American Express and merchant or manufacturer accepts their mistakes and send me a replacement of delivered defective/irregular/damage furniture with the exact furniture that they specified on their schematic, advertised and guaranteed in their catalog/website. People makes mistakes but has to accept their mistakes and handle the customer fairly.
Product: Credit reporting

Sent dispute to Equifax on XX/XX/XXXX re : XXXX credit card account XXXX to verify date of first delinquency. Received response XX/XX/XXXX stating company verified date of last activity was correct. Recent correspondence directly from XXXX XXXX verifies account was closed ( due to original delinquency and nonpayment ) XX/XX/XXXX ( see associated CFPB complaint # XXXX XXXX. Account is still reporting, which exceeds the XXXX year reporting period for negative accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. These are the companies on my credit report that are not reporting the correct information on my credit report. Capital one, XXXX XXXX, XXXX, XXXX XXXX XXXX. They seem to add interest to my balance and late fees without hesitation, but non of these merchants does not report changes on account promptly to the 3 major credit bureau, Therefore making my information on my credit report look inconsistent. I have made payments to these merchants, but they are not reporting information promptly.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately in the form of proper notification and check-up. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Due to unforeseen financial hardship as a result of medical issues and financial losses, I recently contacted  Capital One  to set up a long term hardship payment plan for my credit card balance of over {$13000.00} on my  XXXX  ending in  XXXX . First off, I had to go through their  Executive Offic es, who while initially were somewhat accommodating, provided me with much in the way of misinformation and broken promises. After speaking with an  XXXX  xecutive Representa tive in mid-  XXXX   XXXX    , whom assisted me with some interest fees, I was told to call in regarding my account in early   XXXX   XXXX     and speak with the same  Executive  Representative handling my account who would then waive the   XXXX   interest fees once more, to assist in my current hardship ; however, when I called back in early   XXXX   XXXX    , my request was then denied by the same representative. Ultimately, she did connect me with the Hardship Escalation team who approved me for a long term payment plan at fixed 7.4 % APR and {$280.00} per month for the remaining period of payoff ( and the card would be restricted to further use, which I accepted  ). Ho wever, this is where the situation becomes confusing and misguided, as I was informed by more than  one rep resentative at  Capital One  Customer Service that this would take effect in the next upcoming billing cycle (   XXXX   XXXX   XXXX      ),  and that no additional interest would be charged at the higher rate of over 22 % ; however, this was not the case, as on   XXXX    , I was charged a total of {$260.00} in interest, after being told this would not occur. This, in addition to the interest charged on   XXXX     of {$260.00}, which was told would be waived to assist with my hardship by the  Executive Representative at Capital One, and the re neged on.     Corporate American companies like  Capital One ofte n take great advantage of the consumer on a daily basis, and they change their promises and practices on a whim, and then cite " Terms and Conditions '' as a ploy to cover their broken promises, and any lack of assistance they offer. This is unacceptable and needs investigation, and needs to change to support the  Consumer -- especially those in financial hardship. Capital One provided me a great deal of misinfo rmation, and as of today,  X/X/2017   , I was informed by the  Escalation Hardship Team th at my request for the long term hardship payment plan had been delayed and then started over on   XXXX   XXXX   XXXX    , even though this was originally set up in late   XXXX   XXXX    . This is unacceptable and needs to be rectified immediately, so that I  may commenc e this payment arrangement and keep my account in good standing going forward, as I have never missed a payment with this account. It is my intent to have this issue resolved promptly, and have all interest fees from   XXXX   XXXX     and   XXXX   XXXX   waived in full, as promised by  Capital One staff.
Product: Debt collection

XXXX XXXX XXXX has called XXXX times and left XXXX voicemails. In each of those voicemails they knowingly violated the laws they are bound to providing the mini XXXX disclosure in which they bound to advise. Secondly there has been no action of written notification of this debt or its validity prior to being placed on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX ) Has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as pasted due balance. I do not know this company, I have never done any business with this company. This company does not have a contact with my signature.
Product: Vehicle loan or lease

On Friday, XX/XX/2019, at or about XXXX, an agent of GM Financial proceeded to trespass on my private property. The vehicle was a XXXX XXXX XXXX with license plate number XXXX. A XXXX XXXX, mid early XXXX and with XXXX  XXXX  was seen on the property within the XXXX XXXX taking photographs and surveilling the property. 

The residence is equipped with security cameras and monitoring equipment that can place this man and vehicle on my property without permission. Photographic evidence is attached hereto for review. 

At or about XXXX on the night in question, the Connecticut State police were called regarding the incident to observe and report the facts. The police were given photographic evidence of the trespassing vehicle and a description the driver. 

Vehicle finance companies and their agents are strictly forbidden by state and federal laws from breaching the peace in the performance of debt collection efforts. 

Additionally, under Connecticut General Statute Sec. 29-152u and 29-153, any private detective, natural person or corporation, must be licensed by the state to perform this type of work, especially that which involves the location or recovery of property. 

GM Financial DBA Americredit, and agents, engaged in private detective work, as defined by Connecticut law, without a valid license from the Commissioner to do so with the intent to threaten, harass, and intimidate a person for the sole purpose of collecting a debt. Vehicles with mounted cameras and surveillance equipment on private property is breaching the peace and creates an environment threatening and intimidating to the residents of the property, especially to the XXXX ( XXXX ) XXXX   children who reside there.
Product: Credit reporting or other personal consumer reports

I filed a chapter XXXX bankruptcy that discharged in XXXX of XXXX. XXXX XXXX continues to report their tradeline on my credit report for a mortgage I have had no ties to since XXXX as my ex husband has been fully responsible since our divorce. I filed bankruptcy to have all financial obligations removed from my responsibility. I have repeatedly disputed this tradeline and they refuse to remove it from my credit. They are the only creditor still reporting after my bankruptcy discharged. This is affecting my ability to purchase another home.
Product: Debt collection

Opened XX/XX/2021 ( {$2200.00} ) I reached out to both the credit bureau 's and the actual debt collectors.
Product: Credit reporting or other personal consumer reports

XXXX was given documentation as well as a CFPB report for removal of XXXX XXXX. Even while they got a digital, hard copy and phone call for the dispute they still have failed to resolve the issues and instead have continued reporting negative remarks. CFPB report states account to be deleted and it was deleted from other agencies but XXXX has refused to comply both when requested over the phone and when emailed documents. Attached you will see the CFPB REPORT they have previously ignored for the past 90 days
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00}