23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received my coupon from Nationstar Mortgage for XXXX payment and saw it had increased by {$830.00}. When I called them to inquire why, they said my 10 year adjustable rate interest only note had set to principle and interest and amortized over 20 years to be paid in full. I asked why I was n't notified sooner and was told I was sent a letter in XXXX. Since I had never received it, ( my mortgage was transferred to them from XXXX in XXXX ) they just sent me a copy ( received today ). I 'm blindsided! Had I seen it earlier I would have applied for a Harp loan to make this payment more affordable. I did apply and was turned down because of the 30 day late notice from my second trust holder, XXXX, placed on my credit report this month! 
When I got these loans back in XXXX XXXX, my husband had just died 6 months earlier, and my son was going off to college. I am the original owner of this home since XXXX and I would never had placed a 1st trust mortgage with a 2nd trust equity line ( needed because my son was going to college ) with a 10 year knife hanging over my head knowing both mortgages would set at the same time and increase my payments combined by {$1800.00} a month without doing something about it before it happened. Now I stand to lose my house because I just learned today when I applied for a Harp loan that the second trust holder, XXXX put a 30 day late payment on my credit because my payment went up with them as well and my automatic payment to them was insufficient. Now I am told with the 30 day late ( my first ) I can not apply for a Harp loan. I am going to be forced out of a house I have lived in over 30 years into housing that will be more expensive at the age of XXXX! Why? 
I 'm asking for these lenders to work with me and not force me out of my home. If I 've made my payments on time, every time, except for this month with XXXX over lack of communication, why ca n't I get approved for a fixed rate harp loan, amortized over 30 years while interest rates are low? While I tried several times, I was told I ca n't qualify for a regular refinance because my ratios are too high! XXXX says they wo n't even send me a statement until I pay what is owed fully. What they report as delinquent is not the amount owed. I am shaking my head. How can something like this happen? Is it the intention of the banking industry to put people out on the street with these predatory lending practices and dangerous loans? I got a loan I could afford when I needed it most and never realized it could jump almost {$2000.00} in one month for the next 20 years, especially without due notice. As soon as I found out I called the lenders and asked for help, having it fall on deaf ears and my credit destroyed. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account navient put it back on there. they claim that i owe {$110000.00} witch is impossible.i have  proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as recievables performance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX i simply ask that these ithems to be remove from my credit report thanks
Product: Credit reporting or other personal consumer reports

Equifax kept on putting me through loops on their phone system and was not able to manually unfreeze my credit report through their website even if my security verification went through. Cant check status of my credit now. Their website is always broken and I keep getting spammed by XXXX time passcodes for verification even if I did not request it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681. 

The account is as follows : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account I.D . # XXXX Reporting a ( 30 ) day late payment for the month of XX/XX/2023. Inaccurate account has number been late number. 

15 U.S.C. 1681 Section : 602 ( A ) state I have a right to privacy.

15 U.S.C. 1681 Section 604 ( A ) - Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

U.S.C. 1681C ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting that these companies abide by the law and follow the rules accordingly.
Product: Debt collection

I opened a new XXXX account on XXXX XXXX, 2015 and returned the device and cancelled the contract on XXXX XXXX, 2015. This was within the 14 day grace period as specified in the contract. I began receiving bills for an Early Termination Fee ( {$420.00} ) shortly after, and I contacted XXXX on XXXX separate occasions, once on XXXX/XXXX/15 and XXXX on XXXX/XXXX/15 where each time they assured me that the ETF was erroneous and would be removed. 

On XXXX/XXXX/15 I was contacted by Vantage Sourcing , LLC, a debt collector, claiming I owed {$420.00}. I have contacted XXXX many times since then, and after many hours on the phone they still will not remove the charge or even allow me to mail them proof that I returned the device and cancelled the contract within the specified grace period.
Product: Debt collection

customer service representative called and asked to verify address. When I asked what this was regarding. She would not tell me and repeatedly asked me to verify my current address. I said please take me off your list. And she said they do n't have a do not call list. Again and forcibly she asked for me to confirm my current address without telling me why. At this point I said goodbye and hung up. 

I did not know it was a collection effort from XXXX XXXX XXXX XXXX until I got a letter in the mail stating I owed XXXX a past due bill from a prior residence. Which I have since paid. The tactics used by this company are not okay and deceitful.
Product: Debt collection

I contacted the Midland Credit Management company and asked for paperwork to verify the debt on XX/XX/XXXX via phone. It was never sent. 

They also offered me a settlement over instant messaging on XX/XX/XXXX of {$480.00}. At that time they did not say I had a time limit to accept the offer and I told them that I did not have money at the time for that amount and was asking for something lower and they refused. At that time I called in and asked for verification of the loan because I didn't think I owed close to {$700.00}. Wanting to act in good faith, I tried to get the funds to pay. When I got the money and called back on XX/XX/XXXX, they said they would no longer accept that and that now I had to pay {$590.00}. The principal debt is {$100.00} and they are saying I owe {$690.00} because of late fees. 

I have tried to talk to several different people at this company and they are saying that they will take me to court but won't say when or how that will happen. When I called on XX/XX/XXXX, the employee was goading me and laughed at my situation. I asked him to send me verification of the debt and I don't think he fulfilled the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XX/XX/XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XX/XX/XXXX and XX/XX/XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX dated XX/XX/XXXX that says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XX/XX/XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XX/XX/XXXX, how could I have late payments in XX/XX/XXXX and XX/XX/XXXX of that same year? 

Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX Totally & Permanently XXXX XXXX 

As such, I applied for and was APPROVED for Permanent Discharge of all XXXX loans by the DEPT OF Education ( XXXX ) The servicer, XXXX is still reporting to all XXXX major credit bureaus that significant balances are owed when they should show PAID IN FULL {$0.00} Owed. 

Have contacted them at least a dozen times and disputed with the major credit bureaus as well and XXXX still shows the balances as owed. Have sent the PERMANENT DISCHARGE decision letter from the US Department of Education to all the parties to no avail. 

Please help as XXXX is in violation of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I was scammed on window tint, paid somebody {$500.00} and they didnt finish the job. Contacted my bank who then went through Zelle to dispute the transaction and Zelle said they cant give me my money back from the person who scammed me.
Product: Credit card or prepaid card

I applied for a Citi XXXX XXXXXXXX XXXX card to get a promotion on XXXX to spend {$2500.00} and get XXXX points. I never received my card, and when I realized that I called to ask about it on XX/XX/XXXX. The promotion had expired, so I asked if they could extend and if not to just cancel the account. The customer service rep ensured me that were able to extend the offer and sent me a new card. I spent money on that card because I thought I had a promotion. I would not have spent or kept the card open if that wasn't the case. I called today ( XX/XX/27 ) to see where my promotion stood and was after being on hold for hours and the call dropping several times was told the promotion was never extended. The only reason I spent any money on that card was to get the promotion. I've since canceled and will never use Citi again. I wish they had just been honest with me and I would have canceled immediately and not used the card.
Product: Payday loan, title loan, or personal loan

We had a home equity line of credit that reached the draw date in XXXX of 2022. I had numerous conversations with Wells Fargo in the previous months about the best way to deal with this. In XXXX of 2022, at the suggestion of one of the employees I spoke with, I borrowed the credit limit against future home repairs I knew were coming up. I then arranged to transfer the balance to a new loan with affordable monthly payments ( approximately {$450.00} ) at at the prevailing interest rate ( somewhere in the neighborhood of 5 % ). I was sent some documents to fill out and return via email, which I did. Subsequently I called to make sure they received them when I heard nothing back. I was reassured that they had, and that things were on track. Now we have received a statement from the Home Equity Line of Credit with a minimum monthly payment of {$1400.00}, {$450.00} of which are " finance charges. '' Certain that this was an error, I called Wells Fargo and was told that the loan was never finalized because they were missing a second set of documents that they emailed me on XX/XX/XXXX. I never received those documents, although I did receive an email on that date asking me to rate the service I had received. Nobody ever attempted to contact me after that. Now I am told that this " wasn't the bank 's error '' and " the system '' won't let them do anything because it's past the draw date. We can't possibly make the minimum monthly payment on this old loan ; furthermore, I was never notified that there were missing documents that were needed to finalize the new loan. They had my email, my street address and my phone number. I can't help but feel that this may have been deliberate on the part of Wells Fargo. When I asked why nobody attempted to contact me as to why they hadn't received the second set of documents, I was told that that would have been a " courtesy '' that they are not obligated to perform. We were never notified that there was a problem. I feel like we were scammed.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Experian for failing to correct inaccurate information on my credit report, despite my submission of valid proof under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I disputed the balance being reported for my XXXX student loan account, as it is inaccurately showing a balance when, in fact, the account has been fully paid off and should reflect a XXXX balance. I provided Experian with the payoff letter from XXXX dated XX/XX/year>, which clearly verifies that the account has been settled in full. 

Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation of consumer disputes and correct any inaccuracies ( 15 U.S.C. 1681i ). Despite my submission of clear evidence, Experian has refused to update the account status accordingly, which is in direct violation of my rights under federal law. Additionally, Experian has falsely claimed that their review of my dispute constitutes a " reinvestigation, '' when this is the first time I have submitted a dispute regarding this particular account. This misrepresentation raises serious concerns about the integrity of their investigation process and their compliance with FCRA requirements. 

I am requesting that the CFPB intervene in this matter to ensure Experian complies with the FCRA and updates my credit report to accurately reflect my accounts paid-off status. This inaccurate reporting is causing undue harm to my credit profile, and I expect Experian to fulfill its legal obligation to report only accurate information.
Product: Consumer Loan

I am writing to you requesting assistance with a continued discrepancy and conflict with a previous creditor. I previously filed a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA with Santander Consumer Finance USA. I made it explicit that it was NOT a request for " verification '' or proof of my mailing address, but a complete competent legal validation of the accuracy of information reported to my credit profile for entries made by Santander Consumer USA at XXXX, XXXX and XXXX. I have not received this validation or a correcting of my credit profile to date. This issue arises from an account I originally initiated with Roadloans.com for an auto loan in XXXX that was subsequently transferred to Santander Consumer USA XX/XX/XXXX. The Roadloans.com account only ever reported to my XXXX credit profile. The date of first delinquency for the account with Roadloans.com was XXXX XXXX. Following a period of delinquency with Roadloans.com from XXXX XXXX to XXXX XXXX the account was transferred to Santander Consumer USA. The account was never brought current and was subsequently charged off by Santander Consumer USA in XXXX. The Roadloans.com account was deleted from my XXXX report XX/XX/XXXX as the seven year reporting period had passed, however the Santander Consumer USA account is still on my credit report. Both entries should have been deleted simultaneously, because they are for the same account with the same terms and payment histories. They share the same date of first delinquency and should, as such, share the same date of deletion from my credit profile. Additionally, Santander Consumer USA has : 1. ) reflected payment activity on the account XX/XX/XXXX to my XXXX credit profile which is completely false ( this was AFTER they had charged off the account ) ; 2. ) reported payment activity XX/XX/XXXX to my XXXX, XXXX and XXXX credit profiles which is completely false ( this was also AFTER they had charged off the account ). It is my belief that they are reporting this inaccurate account in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account with a fictitious payment history and inaccurate information to result in a greater negative impact to my credit scores. 

I am requesting your assistance in getting Santander Consumer USA to immediately delete this tradeline from my credit profile at XXXX, XXXX and XXXX, as the date of first delinquency is past the seven year reporting timeline and the information is inaccurate or incomplete, and they can not verify the accuracy or completeness of the disputed information, as required under FCRA 623 ( 1 ) ( E ).
Product: Credit reporting or other personal consumer reports

XX/XX/2023 *Personal info and account numbers removed for complaint* Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXXXXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.

In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer.

Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request.

Yours sincerely, *Personal Info removed for complaint*
Product: Debt collection

Complaint Details : Account Number : XXXX ( I.C. System, XXXX  ) Date of Issue : XX/XX/year> Credit Reporting Agency : XXXX Company Involved : I.C. System, XXXX Summary of the Complaint : I am submitting this formal complaint against XXXX and I.C. System regarding the improper reporting of a Spectrum account on my credit report, account number XXXX. I believe the reporting is inaccurate and does not comply with federal laws, particularly : 1. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide a clear and conspicuous validation notice. I have not received proper notice concerning this debt from I.C. System, nor has the information been validated accurately. 2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The law mandates debt collectors to disclose consumer rights clearly. I have not been informed properly about my rights to dispute this debt or request further validation. 3. 12 CFR 1006.34 ( d ) : Under this regulation, the
debt collector must provide specific information regarding the debt in the validation notice, including the name of the creditor and the details of the debt. I did not receive sufficient or accurate details about the alleged Spectrum account debt.

4. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Credit furnishers, such as I.C. System, are required to notify consumers when negative information is placed on a credit report. I was not notified of this derogatory entry in my credit report by the debt collector.

Desired Resolution : I request the removal of the inaccurate account from my XXXX credit report. Additionally, I ask that I.C. System and XXXX provide a full investigation and proper validation of the debt under the applicable federal laws. If they fail to comply, I expect the account to be permanently removed from my credit file and for XXXX to correct this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled by the insurance company there were two separate claims. XXXX XXXX XXXX XXXX reported my account 30 days late, after they had been notified and completed paperwork to be paid in full for the remaining balance. This significantly dropped my credit score. They refused to correct the error of their ways, and stated it takes 45 days for my account to show paid in full. I was never late one time with a car payment. It did not take 45 days to report me 30 days late. The laws that govern these transactions need changing. I submitted documentation from XXXX to Experian including letters and refunded money for an overpayment to them, they refused to accept my dispute. It was falsely denied by Experian even after submitting documentation showing the account was paid off in full and the claim was started and completed way before the 30 days past due. My credit score has not been repaired even after they have now shown on my credit report that the account is paid off. There needs to be regulation changes to this industry. It is a scam
Product: Money transfer, virtual currency, or money service

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