23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ive been denied a {>= $1,000,000} mortgage refinance by strong home mortgage underwriters appraised at {$1.00} XXXX dollars because of my deffered compensation retirement income. I was told that my three remaining years was not enough to qualify for the loan. Im over XXXX XXXX XXXX and they did not use my XXXX income which is set up over a period of 23 years. I started the loan process beginning of XXXX of 2020 and locked in a 2.62 % loan. I was notified in the first week of XXXX that I was denied the loan. It took strong home mortgage underwriters five months to come to the decision to deny my loan. In the meantime interest rates have gone up. I really believe Ive been discriminated against because of my age. I have excellent credit more than enough retirement income and excellent cash flow and assets to have qualify for the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> Jefferson Capital Systems, XXXX XXXX XXXX XXXX, MN XXXX Acct # XXXX Acct # XXXX RE : Cease and Desist Demand Concerning Debt Collection Practices To Whom It May Concern, I am writing to formally demand that Jefferson Capital Systems , LLC cease and desist all forms of communication and debt collection activity regarding any alleged debt associated with me. This demand is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

For clarification, this notice explicitly includes but is not limited to direct communication by mail, email, phone calls, and any indirect communication such as reporting or continuing to report information to consumer credit reporting agencies. Reporting to credit bureaus constitutes a form of communication under the FDCPA and is prohibited once a proper cease and desist request is issued. 

If Jefferson Capital Systems , LLC believes that this debt is valid and actionable, I request that you provide verifiable written proof of the alleged debt, including its origin, original creditor, and any documentation substantiating your claim. If no such evidence is available or this alleged debt is disputed or unverified, I demand that you update all relevant credit reporting agencies to remove the negative entry immediately to comply with the FDCPAs provisions. 

Please note that any further communication with me, other than acknowledgment of receipt of this notice or notice of legal action as permitted by law, will be considered a violation of the FDCPA. I am fully prepared to pursue all remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney Generals office, and, if necessary, initiating legal action. 

I expect your compliance with this demand within XXXX  days of your receipt of this letter. For record-keeping purposes, this letter has been sent via certified mail with a return receipt requested. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I am a XXXX XXXX XXXX with 5 complete years of full time service in a XXXX XXXX  XXXX. I meet ALL of the criteria for a {$17000.00} reduction in my student loans and was denied. My application was completed accurately and I uploaded it correctly. I meet all other criteria as well. 

No additional information was provided to explain or justify the denial from Fed Loan Servicing. I have read countless stories from teachers nationwide who have experienced these very same frustrations. 

I have earned this XXXX  loan forgiveness, and I am entitled to it, based on the requirements that Fed Loan Servicing set forth. 

I would like this resolved as soon as possible.
Product: Checking or savings account

Hello I have contacted Suntrust about XXXX charge several time and filed a dispute. Suntrust dont email the dispute documents for me to complete. I have contacted the XXXX  and they are giving me the run around, so I emailed dropping the class before it started. Below is the email I sent to XXXX on XX/XX/2021 Orientation was today. I could not get into the orientation because access information was not provided. I called the day before the tech day to make sure I had the info but, was supplied inaccurate information. I have emailed the instructor and called. I have been on hold for almost an hour. This is the 3rd time I have called about the same problem with ridiculously long hold times. 
Why would an orientation class be held without having help in place? 
Does a school open without staff? 
At this point its hard to see how XXXX really cares about educating students when they leave them hanging like this.
Product: Debt collection

I told caller this is a new number for me and I do not know the person they are looking for. They continue to call me daily.
Product: Mortgage

We received assistance through NC Assistance Fund for our mortgage. We have a mortgage with Midland Mortgage. An ACH payment of {$11000.00} ( payment ID XXXX ) on XX/XX/2022. Midland mortgage still has not applied the funds and keeps sending us loan modification documents we didn't request. We tried working with Midland mortgage and sent back three signed separate loan modification documents at the beginning of the year. They kept denying the forms saying I hadn't signed them correctly. They never processed the modification after trying to work with them for four months. We then qualified for assistance with the state of North Carolina through the NC Assistance Fund. Now our mortgage company is refusing to process the payment and trying to pressure us into accepting a loan modification that is quite a bit higher per month than what I pay now. The funds from NC Assistance brought our account current and they are to receive a payment in XXXX, XXXX, and XXXX. Please help me with my mortgage company applying the payment. They accepted the payment and haven't reversed it.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had residential wireless service with XXXX XXXX. Due to the frequency of my paycheck, I normally paid half my bill in the first 30 days post billing, and the remainder in the next 30 days. My contract ended with XXXX in XX/XX/XXXX. As per usual I paid half my bill within the first 30 days, and planned to pay off the remaining balance in the following 30 days. However, XXXX XXXX charged my account off into collections without properly notifying me of such. Further, the balance that was sent to North Shore Agency was incorrect and did not reflect a payment I had made on the account during the first 30 days post-billing. North Shore sent me an initial notice demanding payment of {$130.00}, which was incorrect. Since I was unable to reach North Shore during their very limited ( XXXX-XXXX M-F ) business hours, I went to their website to dispute the debt. I never received any notification from North Shore that they had processed my dispute and have not received any validation documentation in the mail. It has been two weeks. 

I have paid this entire balance with XXXX. North Shore should be held responsible for its failure to adequately ensure the balances they agree to collect are accurate, and for their inability to process a consumer dispute and request for validation, especially in light of recent rulemaking released by the CFPB intending to curb just such practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation # XXXX XX/XX/XXXX has XXXX XXXX is over 7 years old and Equifax has the account showing by Equifax as XX/XX/XXXX with no activity and the account was sold. 
Eqiufax also has incorrect information as date reported XX/XX/XXXX last Activity showing XX/XX/XXXX by Equifax there was or no XX/XX/XXXX reports of no such account and as account history shows XX/XX/XXXX as last stated by EquifaxTo many errors on Equifax reporting methods and dates.
Product: Credit reporting or other personal consumer reports

Recently l locked at a copy of my credit report and noticed several inaccurate on my account this account is hurting my ability to obtain credit is my understanding tha you will investigate these items for me to ensure accuracy here is the item l am asking you to verify as accurate XXXX XXXX XXXX closed XX/XX/year>
Product: Debt collection

I had XXXX XXXX  XXXX  years ago. Police report XXXX XXXXXXXX. ( attached ) I immediately locked XXXX XXXX Somehow they were able to still use my information for this following XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX  Principal : {$11000.00} Interest Due : {$120.00} Total Due : {$11000.00} ORIGINAL CREDITOR : CELEBRATION XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

XXXX XXXX XXXX is reporting in accurate information if you notice on the attached forms the first day of delinquency is it being listed on either account. Please remove these accounts from my credit file immediately for the multiple times they are violated the The fair credit act
Product: Student loan

In XXXX of 2018, the my Direct Stafford loans were transferred to XXXX XXXX   because I submitted an employment certification for the Public Service Loan Forgiveness Program. I was informed that once my loans were transferred, it could take up to ninety days for XXXX XXXX to certify the number of qualifying payments I had made towards Public Service Loan Forgiveness. I did not hear anything within ninety days, and emailed XXXX XXXX in early XXXX asking for an update. After approximately three and a half weeks, I had not received a reply to my email, beyond a notification that it had been received, and so called XXXX XXXX. I was told in my conversation with a representative of XXXX XXXX that certain information required to certify my number of qualifying payments had not been received from my priorservicers. The representative was unable to tell me exactly what information had not been received, whether only some or all of the required information was missing, or provide me with any time frame for when this issue would be resolved. 

I need to understand XXXX XXXX 's position on the number of qualifying payments I have made towards Public Service Loan Forgiveness as soon as possible, so that I can address any problems XXXX identifies or any mistakes that XXXX makes in its calculations. XXXX XXXX is the Department of Education 's worst performing loan servicer, see https : //studentaid.ed.gov/XXXX # XXXX. It has not proven in the past that it is capable of effectively administering the Public Service Loan Forgiveness program. Experiences like mine -- where XXXX can not in a timely fashion provide basic information about the number of qualifying payments I have made, and therefore my eligibility for the program it is in charge of administering -- only serve to further undermine confidence in its abilities.
Product: Vehicle loan or lease

Innovate auto financing is not reporting my payment history since refinancing my auto loan to any of the XXXX bureaus and I am missing my loan information on all credit reports. I contacted them multiple times to gain a reason as to why they don't report and I was ignored and never responded to. I am trying to purchase another used vehicle with the trade of the vehicle on my current loan that is through them, and am having trouble finding anyone who is willing due to the lack of payment history affecting my current XXXX XXXX.
Product: Debt collection

I submitted a claim previously which was closed. the claim number is XXXX In the claim the Receivables Mgmt states " The balance is still outstanding at the hospital '' However, they report on my credit report to XXXX and XXXX that the balance has " been paid in full '' I have submitted screenshots of my credit report from both bureaus. 

I did not sign up for credit account with them. I have sent them validation letters to which they have ignored. And then they are reporting contradictory and false information. If I have a balance and my insurance didnt pay. Why are they reporting to XXXX and XXXX that the balance was paid? 

On page 4 of the document I submitted, which is my XXXX Credit report you can see where they are reporting that the balance is " - " and it states " Legally Paid in full... '', and also " Paid off : 100 % ''. On Page 3 of the second document, its states that the balance is " 0 Paid off 100 % ''. 

This is contradictory to what they are saying in my previous claim. If they claim i have a balance why are they reporting to the credit bureaus that I do not.
Product: Debt collection

In XX/XX/XXXX a collection company attempted to collect XXXX debts from me that were not mine. They used a variation of my name and home address including an apartment number for my home. I filed a complaint with the attorney generals office in XXXX, WA. I did not hear any more. In XX/XX/XXXX ( 6 years later ) Commonwealth Collections ( a subsidiary of XXXX collections ) attempted to collect these same XXXX debts with a variation of my name and the same erroneous apartment number for my residential home address. Once again I referred the matter to the attorney generals office. The AG filed a complaint on my behalf but they ca n't impose resolution. Collections agencies are simply junk debt sellers and this is what is happening. They know this is n't me but they sell the contract from one company to the next and nobody is successful at getting these criminals to cease and desist. I want them stopped..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT NOT ONCE, NOT TWICE, BUT THREE INSTANCES THAT I KNOW OF. ONE OF WHICH WAS OR IS BEING DONE BY A RELATIVE. SINCE I AM SELF EMPLOYED, AND CONSTANTLY WORK AWAY FROM HOME, UNBEKNOWST TO ME, THESE SAID THIEVES HAVE HAD LIMITED ACCESS TO MY MAILBOX. I HAVE FILED THREE POLICE REPORTS, IN AS MANY STATES, OUTLINING THE EXTENT OF THE THEFT OF MY IDENTITY. I PROVIDED DOCUMENTATION VERIFYING THAT THE SAID THIEVES HAVE AN OLD COPY OF A SOUTH CAROLINA '' S DRIVERS LICENSE THAT IS NO LONGER VALID BUT HAS NOT EXPIRED. I HAVE CONTACTED XXXX, TRANSUNION, XXXX CONCERNING INQUIRIES THAT ARE NOT MINE. I ASKED THAT THEY REMOVE THEM. THEY TOLD ME TO CONTACT THE CREDITOR. WHEN I CONTACTED THE CREDITOR, I WAS TOLD THAT THEY CAN NOT REMOVE ANY INQUIRIES. SO AT THIS POINT THE BUREAUS ARE GIVING ME THE RUNAROUND. I ALSO ASKED THEM TO REMOVE OUTDATED ADDRESSES THAT WERE BEIBG USED FOR FRAUD. TO THIS DATE THEY HAVE NOT. 

THESE ARE THE INQUIRIES IN QUESTION : XXXX XXXXXXXX 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 THE ADDRESSES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX THE XXXX LOANS ON MY CREDIT REPORTS HAVE BEEN CONSOLIDATED BUT HAVE YETTO REFLECT THAT DESPITE BEINH DONE SO MORE THAN 30 DAYS AGO. WHY ARE THEY CLASSIFIED AS INSTALLMENT LOANS? THIS CLASSIFICATION MAKES IT IMPOSSIBLE FOR ME TO QUALIFY FOR A MORTGAGE BECAUSE OF HOW THEY ARE BEING REPORTED. LENDERS SEE IT AS IF I HAVE A XXXX LOAN AND HAVE NOT MADE ANY PAYMENTS ON THAT LOAN.
Product: Mortgage

My mortgage payment is collected by Nationstar Mortgage. And I am forced to pay additional funds each month into an escrow account for taxes and insurance in stead of being allowed to make my own payments. Last year I received an invoice for hurricane insurance ( also required by the lender ) directly. I paid it and submitted proof of payment to Nationstar. Nationstar proceeded to pay it as well, in spite of the prior proof of payment,. Subsequently Nationstar was reimbursed by the insurer, but has refused to reimburse me, claiming that they need it to keep my escrow account above the minimum required balance. However, as they do every year, Nationstar still increased my monthly escrow payment again for the next year. Their explanation for why they had to increase my monthly payment in spite of retaining the {$790.00} they were reimbursed by the insurance company has been totally inadequate. They simply manipulate the actual date of payments and/or escrow calculation such that the account briefly falls below the minimum balance allowed by law and then use that as an excuse to jack up the payments or in this case refuse to reimburse me for the payment I made. Finally I would like to make it very clear that Nationstar intentionally made the double payment when fully aware that they had proof in house that the payment had already been made.
Product: Mortgage

I'm in the process of obtaining a loan with DHI Mortgage, the in house lender for DR Horton. The appraisal did not meet value and the lender is insisting in waiting for another appraisal to be completed in order for me to close on the house. I'm literally homeless after the XX/XX/XXXX and the lender is insisting in having another appraisal completed. I have been under contract for over 6 month with this situation. The home is ready and I have been promised to close several times and no closing yet.
Product: Credit reporting or other personal consumer reports

I closed my account at XXXX XXXX  XX/XX/XXXX and moved out XXXX. Auto payment of mortgage to be canceled as I had set up bill pay of mortgage through existing XXXX acct. XXXX XXXX then debited closed account and overdrew it XX/XX/XXXX even though I had paid it for XXXX from XXXX. Received notice and saw branch XXXX XXXX XXXX XXXX XX/XX/XXXX who reversed NSF fee and confirmed payment. Mortgage statement in hand and provided here showed double payment in XXXX which they applied to XXXX and XX/XX/XXXX so I canceled XXXX payment. Did not know or was advised until recent that XXXX was also again trying to debit XXXX XXXX XXXX ( provided activity ) & stated no funds but account was closed! I made XX/XX/XXXX payment early XXXX from XXXX but received call from XXXX Bank XXXX XXXX and she said XXXX payment from XXXX XXXX did not go through so I paid it over the phone conf # XXXX but then on XXXX received another call saying possibly account number I provided was incorrect or representative imputed it incorrectly os I provided it again and was told then as well as on XXXX that the late fee would be reversed due to the confusion and that the mortgage was paid up, there would be no late reporting as that was my main concern as I have never had a late mortgage payment t in over 25 years and my credit scores were over XXXX. I was assured that that would be honored. Several months later I received a letter from XXXX that my personal information was compromised so I ordered my credit reports and saw that XXXX XXXX went against their word and did indeed report me on XXXX dropping my XXXX XXXX from XXXX to XXXX per Experian. I went to XXXX XXXX and spoke to same XXXX XXXX XXXX and he later contacted a XXXX the following day and the center said they would not reverse it.. I have sent letters to all XXXX bureaus, office of XXXX of XXXX XXXX and their internal mortgage dispute center and still have not had resolution. Per documentation provided, this is a blatant mortgage reporting error on XXXX XXXX ad I never received any calls or notices other than the mail and the calls I received in XXXX of which I immediately called the bank as well as went to the bank to resolve. Their mortgage statements also reflected inaccurate information which led me to believe that the issue I. may was resolved in XXXX.
Product: Debt collection

DIVERSIFIED ADJUSTMENTS XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED ADJUSTMENTSor any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED ADJUSTMENTS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX