23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I modified this loan in XX/XX/XXXX with XXXX XXXX XXXX. I made four payments ( Phoned in Check # XXXX XX/XX/XXXX, Bank Check # XXXX XX/XX/XXXX, and Bank Check # XXXX XX/XX/XXXX, Personal check # XXXX ) to XXXX XXXX XXXX as per the modification agreement to XXXX, but XXXX XXXX XXXX sold the servicing before the modification of the loan. The loan was transferred to Nationstar Mortgage, now Mr. Cooper. Nationstar/Mr. Cooper failed to modify my loan when they received it. They claim to only have two  payments towards the modification. They did not credit me for the first payment ( phoned in check # XXXX ), and were using my second payment as my first, and my third payment as a second payment. The fourth payment was also not credit to me and it was not until they received my fifth payment that the modification was completed on XX/XX/XXXX. Unfortunately this left me 30 days behind, when I really was one month ahead. 

I have filed several complaints and they appear to have found my payments but have credited me less than the amount due. They claim I now have a credit of XXXX when I should have a total credit of XXXX. They have not been very clear on why I even have a credit. My suspicions are they have found my payments, but are deducting all the late charges that should be completely removed, since I have never been late with my payments since the modification. I provided ample proof of all my payments, and they have both XXXX XXXX XXXX XXXX payment history and their own. I 'm also puzzled why they claim to have completed a new modification on XX/XX/XXXX ... Why? I did n't need a modification, I needed them to apply my payments correctly ... ..Something they failed to do.
Product: Student loan

Hello! 

Thank you in advance for dedicating your time to helping those being wronged by what seem to be impossible odds. This complaint is to be filed against Navient, formerly known as XXXX. 

A summary of my experience for your review follows : I graduated the University XXXX in XXXX with a XXXX, focus in XXXXSix months post-graduation ( the grace period ), I began paying off student loans. My loan balance is the same then as it is now, seven years later. 

In XXXX, the economy was in a horrid state, so consequently my dreams of a high-paying entry level position were met with the reality of a part-time XXXX position that barely made {$250.00} a week. Resumes sent out everywhere, joined a temp agency, no bites due to " lack of experience ''. 

It 's been seven years since graduation and my monthly student loan bill was and still is the highest bill I have to date, and it goes up each year without fail. Regardless of my financial status, employment of lack thereof, Navient/XXXX failed to provide me with options that were parallel to my financial status. 

When I was unemployed : They would ask what my monthly expenses were which would always be, obviously, more than {$0.00} with rent, utilities, food, transport I still had to pay hundreds of dollars despite the fact that I was not earning income When I was employed : It did not matter how much I was making, I would have to pay the full normal rate, whatever it would be at that time I can not get my cosigners off of my private student loans because, according to Navient : if you are on a repayment program, you do n't qualify for your cosigner to be removed if you are n't, you have to pay the normal ( outrageously high ) rate for a full year for them to be removed Unfortunately, it has been impossible for me to find employment that pays enough for me to live ( shelter, food, transport ) and pay these loans. If it were n't for my family, mainly my siblings who are in a similar circumstance, I would have been homeless at least 20 times by now. 

In XXXX, the hurdle I am facing with Navient, and the main reason I am writing this complaint is my Federal Loans have been disbursed, and they are also serviced by Navient. I definitely can not and will not pay this loan when I know that the terms of all of these loans can be extended and interest rates dropped so borrowers can afford to make payments that meet what they earn. There is no logical explanation as to why Navient sets its payment plans at unnegotiable high rates that they know their borrowers can not afford. Since it defies logic, you can only conclude it 's a profit game. 

It would be great to be able to work with a lender that was fair and interested in borrowers being able to participate in the world instead of ensuring they struggle in it. I 'm sure we would not mind paying for that. 

Thank you for your time. Please let me know what I can do to move this process forward.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX SOCIAL SECURITY NO : XXXX D.O.B. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  Subject : REQUEST LETTER TO REMOVE INACCURATE LATE PAYMENTS To Whom It May Concern, Upon reviewing my consumer report, I discovered an account that is reporting inaccurately. I have a late payment showing 30 days late on an account that was paid on time. XXXX is in direct violation of my consumer rights reporting inaccuracies of a late payment on an account where a payment was paid on time. According to the Federal Credit Rights Act FCRA 15 U.S.C Code 1681e ( b ) ACCURACY OF REPORT- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. As a consumer reporting agency 15 U.S.C 1681a ( f ), you are governed by the Fair Credit Reporting Act FCRA. 15 U.S.C 1681, which protects consumers from inaccurate, outdated, or invalidated information reporting on their consumer report. According to the FCRA it is the consumer reporting agencys responsibility to ensure that all information contained within our consumer files are accurate and free of errors.

I have never missed a payment on the following account : XXXX Account Number XXXX shows 30 days past due as of XXXX XXXX I have attached a copy of my consumer report to this complaint on XXXX XXXX XXXX  
I request you thoroughly investigate the inaccuracies of late payments and urge you to provide evidence demonstrating the lateness of payments. If you are unable to furnish such proof, I demand the 30 days late payment be promptly removed and updated to reflect their true status as on-time, paid as agreed, never late as I have consistently upheld my payment obligations without delay.

Upon completion of your investigation, I would like to request a detailed description of the procedures used to determine the accuracy of the account that I am disputing. 

For verification purposes I have enclosed a photo copy of my official state issued drivers license and my social security card to validate my identity clearly shown below : XXXX XXXX XXXX SOCIAL SECURITY NO : XXXX D.O.B. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX Phone Number : XXXX Email : XXXX Thank you for your assistance in this matter. 

Best Regards, XXXX XXXX
Product: Mortgage

I ma an XXXX XXXX XXXX veteran and I had sent my loan company DiTech Financial my Property tax adjustment in XXXX. This was not adjusted and I had to call back in XXXX. Again it was not adjusted and I had to call again and speak with a Supervisor on XXXX when my account was finally reanalyzed. I was also informed that in XXXX the account should have gone under an automatic anazlysis of my account when i first requested it and submitted my state documents for the adjustment of my property Tax. 

Here we are in XXXX and my payment has still not been adjusted. They have issued my refund and my payment has not adjusted by the {$210.00} I was told it would adjust by. This is the XXXX month where I have paid an additional {$210.00} and I believe this additional money is not being allocated to my principal but instead to someones pocket. 

I have called and called to try to get help having this adjusted and feel as though I am getting no where.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.
Product: Credit reporting or other personal consumer reports

Dear [ Recipient ], I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes.

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and Experian conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Experian, or any furnisher of information to credit agencies to share my personal information.

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and XXXX and Experian are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I checked my email and noticed there was an email from XXXX XXXX that an account was past due and it was reported by a company called Cash Central XXXX. This account was fraudulently opened under my name and was on my XXXX XXXX credit report as past due. That same day, I submitted a dispute via XXXX XXXX and the following day I contacted Cash Central XXXX or also known as Community Choice Financial out of XXXX Ohio. I spoke to representative named XXXX or XXXX and she advised me that the account was opened on XX/XX/XXXX in the amount of {$2500.00} and that she will be sending a packet that needs to be filled out and notarized so that the Identity Theft Claim process could commence. I am currently in the process of filling out the packet they emailed. I also notify the XXXX XXXX County Police Dept of Identity Theft and has taken extra steps to put an alert on all 3 credit agencies. I 've also filed an FTC report. My complaint about Community Choice Financial is that an online application was opened under my name and was carelessly granted to the fraudulent individual and no credit check was done. No inquiry showed up on my credit report that would 've alerted me earlier that an account that was fraudulently opened under my name. I am questioning the internal controls this company has in place when they open or grant loans and what security they have in place to ensure that the person who is applying for the loan is not a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has taken no steps in accordance with the FCRA and FTC to properly address this matter. So now I am asking you in request for your proof of authority that your agency has to furnish this information on a credit report in accordance to FCRA Regulations. You are now in willful negligence and willful noncompliance of the FCRA and violating my federally protected rights. Please make note that I am aware that consumer reporting agencies can only furnish information on a consumer report under the following conditions and no other pursuant 15 U.S. Code 1681b ( a ) ( 1 ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are creditors on my credit report that aren't mine. Please remove them.
Product: Credit reporting or other personal consumer reports

The account of SYNCB/XXXX XXXX on my all there credit reports is showing late payments of 30 days which happened in XX/XX/XXXX and XXXX 60 days which happened in XXXX and XX/XX/XXXX respectively. The account was under my personal individual responsibility. First of all XXXX 60 days late payments can't happen one after another since after 60 days delinquency 90 days follows. That is the first inconsistency. 

Second of all according to the report, the account was closed on XX/XX/XXXX and the last payment received in XX/XX/XXXX. Since the account was closed and paid off there have not been any activities. 

Finally, I contacted the creditor, and they confirmed that since the account had been inactive ( no purchases ), late payments could never have occurred. 

I am requesting deletion of negative information form the specified account on all my major credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$14000.00}, {$1800.00}, {$2000.00}, {$28000.00}, {$11000.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My identity has been compromised. Accounts have been opened that were NOT completed by me. I have also found that my identity has been sold on the black market on a site XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE  XXXX  ACCOUNTS  FROM THE SAME FINANCIAL INSTITUTE THAT ARE 10 AND 11 YEARS OLD THEY NEED TO BE REMOVERED NOT JUST SAY CLOSED THERE IS STILL DERAGATO RY REMARKS ON THERE INFORMATION ABOUT ME
Product: Credit reporting or other personal consumer reports

Inaccurate payment history was reported by XXXX Account number XXXX. It all began when I requested a credit report and I XXXX that XXXX XXXX reported 30 days late on my credit report, I immediately called XXXX to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, XXXX XXXX XXXX  didn't improve inaccurate information. I have contacted all 3 credit bureaus, Experian, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to XXXX XXXX to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my Experian credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX   partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Mortgage

My Mortgage load provider " Nation star '' did not pay second tax installment for year 2012. I got notice from XXXX XXXX County Tax clerk saying that the tax for 2012 is sold and tax redemption needs to be done quickly and they had put in lot of penalties. I informed my mortgage company is not helping and not acting quickly to resolve this issue
Product: Credit reporting or other personal consumer reports

The information on my credit report was not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on your behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 6 months my requests have been overlooked. Discontinue the stall tactics and please repair the disputed accounts. I took the liberty t investigate my Credit File, since the Credit Bureaus seems to not do so, and I took notes of the following : 1 ) despite the multiple dispute attempts I have been doing, the Credit Bureaus do not include on the report that the accounts are disputed ; 2 ) the information that the Credit Bureaus do not match each other, there are information that are different than the other Credit Bureau ; and 3 ) the Credit Bureaus are clearly not reporting accurate information on the disputed accounts. I have been keeping my own payment records for each account and what they report on my Credit File is totally different from what I have. I need the Credit Bureaus to remove the late payments from the disputed accounts. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Product: Credit reporting

Submitted dispute to equifax about unauthorized Inquiries nothing done about them, I 've since added a fraud alert to my report
Product: Checking or savings account

I have been attempting since XX/XX/XXXX to close my account with Key Bank in XXXX  since I now live in XXXX. This account has been in existence since the XXXX. 

I contacted the bank by phone on XX/XX/2019 to assist me with this problem. 
You will see from the attached document that their system continued to charge me service charges while I was in direct contact with them begging them to help me close this account from XXXX. 

They advised me to deposit XXXX cents into the account so that I could close the account. 
I did so, as evidenced on the attached bank statement on XX/XX/2019. 
They told me to accomplish this through a XXXX system transfer. 
XXXX only allowed a {$1.00} transfer for whatever reason. 

On XX/XX/2019, they again charged me a {$33.00} overdraft fee while I have been begging them on the phone to help me close this account. They have refused to do so. 

A incorrect transfer of {$1000.00} was deposited into my account in error on XX/XX/2019, and they are telling, me through not fault of my own, that this triggered the account to stay open. They will not help me to close this account and now need your agency 's assistance to do so & I am respectfully asking for your involvement. 

Thank you. 
XXXX XXXX
Product: Checking or savings account

I'm making a compliant about a merchant company PAYPAL my business account has been affected by Paypal holding my money and taken it at the same time. I had friends and customers member send money into my paypal. Then paypal try to send my friend another charge to make it seem like the first one did not go thru. I been having paypal since 2019 and paypal been stealing my money by putting it on hold to just to take more money out of my balance from my money that have been sent to me or my business. Paypal has took money out of the money they are holding and paypal have a slick way on get over on customers by holding their funds just to take more money