23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan Mgmt Servicing reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter 7 filing that has discharged since XX/XX/2015 ( case XXXX XXXX. I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter 7 and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 7.
Product: Debt collection

Selene Finance is not a mortgage service company. They hold themselves out as XXXX but in reality, they answer the phone and upfront tell you they are a debt collection agency attempting to collect on a debt. They read you a disclosure on a tape-recorded message before they will speak to you as any debt collector or debt collection agency does. 

Under the CARES ACT set up by Congress a Federal law was enacted CFPB set forth that companies like Selene and others could not collect LUMP SUM PAYMENTS for Forbearance payments when the forbearance period ended, in my case, it was 18 months long. 

Selene, claims I am 40 months behind in my payments and is trying to force me to pay {$100.00}, XXXX, XXXX to bring my account current when in reality they have added {$52000.00} worth of payments to my account, which they know is wrong. I spoke to XXXX XXXX this XXXX XX/XX/23 about XXXX XXXX  and he refused to discuss the matter with me. I have emailed Selene also, so they are fully aware of the situation, that I have made them aware of. Yet they are moving ahead with my foreclosure sale. 

I asked for a copy of my modification that XXXX granted and then Selene turned it down, and it has yet to come to me. XXXX XXXX again said that the papers were sent via email to me yesterday to the email address I gave them XXXX. They still have not arrived after 24+ hrs. I have been informed by CFPB that the modification that XXXX gave me, that Selene must honor, just like Selene must honor the Cares Act, does not allow them to dump {$52.00}, XXXX in the loan amount along with insurance and fees on top of me and then move to foreclose.
Product: Debt collection

On XX/XX/year>, I received a notification that LVNV Funding LLC posted a collection account to my credit file for the amount of XXXX XXXX XXXX I sent a certified letter through the mail requesting to receive validation from Resurgent Capital Services L.P./LVNV Funding LLC of this debt and that documentation was never received by these companies. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to validate a debt before attempting to collect it and this process has never occurred in any capacity.
Product: Student loan

I currently have 5 direct loans serviced through Navient. I recently paid 2 of my 5 loans off. 

When paying the loan online, Navient quoted one price but it turned out that the loan was actually a lesser amount due. I over paid the amount owed, and realized I had over paid the loan 2 weeks after the payment was made. 

I contacted Navient in regard to this situation, and requested a refund for the over payment amount. Navient responded with an apology for their system not catching the error and submitted a request to their refunds department. 

On XX/XX/XXXX, I was told that a check had been cut and sent to my address. Around XX/XX/XXXX I noticed I had not received anything in the mail and followed up with Navient. 

Navient then told me the process takes about 3-4 weeks to receive the check in the mail. I made them aware that time period was closely approaching and I would wait for my check to come as that 4th week approached. 

On XX/XX/XXXX, I called Navient again, they told me they hadn't sent the check the first time that it was actually sent XX/XX/XXXX. I would then again have to wait 4-6 weeks for my check to arrive and that it was no fault of theirs but the U.S. Treasury 's and there was nothing they could do to expedite my payment. 

On XX/XX/XXXX, I called once again, and I was told they didn't know what happened to my check but I should get it whenever it arrives and the U.S Treasury is the hold up. I then spoke with a manager and he was able to cancel the check and offer to put the funds directly in my account. I agreed. 

The manager then cancelled the check then told me to expect to wait another 6 weeks, as I would have to go through the waiting process all over again, because a different form of payment was being processed. I angrily asked, " Why he didn't explain this to me before he cancelled the other check?? '' He had nothing to say. 

I called again today and was given the same run around. He even went as far as to say, " Maybe we already paid you, and you just forgot.. '' The agent used the same script as the other agents and nothing is being done to refund my money. 

This isn't right and I feel this should be looked into. Granted the over payment money may not be much to most people, I work very hard for every penny I have and people shouldn't be treated like this.

Any assistance would be greatly appreciated. 

Thank you. 



Step 4 : What company is this complaint about?

Step 5 : Who are the people involved?
Product: Student loan

My loans were taken out to attend XXXX XXXX XXXX XXXX from XXXX. I believe the school acted unethically in disbursing my loan by forcing me to ask permission to receive my funds which were designated to be used for my education and living expenses. I also believe that the school did not provide credit counseling to me in an ethical or timely manner. Furthermore, I believe my first loan servicer did not assist me in ensuring that my debt would n't triple. What began as approximately {$26000.00} in loans has surmounted to over {$70000.00}. The balance is augmented drastically due to high interest, collection fees, and bank fees. I would like an investigation into the matter, so that I am able to see an end to the debt. At the rate I am paying now, I will be unable to ever repay the debt in full before my death.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in XXXX, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Credit card

CAPITAL ONE FINANCIAL CORPORATION and its affiliate CAPITAL ONE BANK, N.A. deliberately and intentionally closed my credit card account and refuses to act in honor and good faith. According to CAPITAL ONE FINANCIAL CORPORATION 's 10-K report for the fiscal  year ended XX/XX/XXXXXXXX  filed with the Securities and Exchange Commission ( SEC ) , page 132, CAPITAL ONE FINANCIAL CORPORATION NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Securitizations of Loans it conspicuously states : " Our loan securitization activities primarily involve the securitization of credit card and auto loans, which provides a source of funding for us. See Note 5Variable Interest Entities and Securitizations for additional details. Loan securitization involves the transfer of a pool of loan receivables from our portfolio to a trust. The trust then sells undivided interests in the pool of loan receivables to third-party investors through the issuance of debt securities and transfers the proceeds from the debt issuance to us as consideration for the loan receivables transferred. The debt securities are collateralized by the loan receivables transferred from our portfolio. We remove loans from our consolidated balance sheets if securitizations qualify as sales to unconsolidated VIEs, recognize assets retained and liabilities assumed at fair value and record a gain or loss on the transferred loans. Alternatively, if the transfer does not qualify as a sale but instead is considered a secured borrowing, the assets will remain on our consolidated balance sheets with an offsetting liability recognized for the amount of proceeds received. '' This confirms a trust was created, to which I am the beneficiary of, and that the application, also known as commercial/chattel paper, was used to create and establish an account with CAPITAL ONE BANK, N.A. ( deposit accounts receivable ) which CAPITAL ONE BANK, N.A. converted into a security which and sold, exchanged, pooled, traded, transferred, invested and reinvested to which as an investor and beneficiary, was absolutely no benefit to me. This is a breach of trust, a breach of CAPITAL ONE BANK, N.A. 's fiduciary duty, breach of contract and a violation of the Sarbanes Oxley Act of 2002. Regardless of CAPITAL ONE BANK, N.A.s reason ( s ) for closing the account, I have the right to credit. Withholding my access to my securities is securities fraud. CAPITAL ONE BANK, N.A. is unjustly enriching themselves at my expense. I demand equitable compensation immediately. This is a violation of the Equal Credit Opportunity Act ( ECOA ) and the Consumer Credit Protection Act ( CCPA ). If we are unable to reach a fair and reasonable agreement within thirty ( 30 ) days, I will have no other option than to pursue legal action against CAPITAL ONE FINANCIAL CORPORATION, CAPITAL ONE BANK, N.A. and their affiliates for acting in dishonor, bad faith and with unclean hands.
Product: Checking or savings account

Appeal # # # # to the consumer financial protection bureau from bank of America 's fraud research done by XXXX XXXX letter dated XX/XX/XXXX to the cfpb ( See complaint attachments # XXXX on my complaint to cfpb ) XXXX states after intense research of fraud and suspicious activity on all my accounts Bank of America records show on the XXXX account That there were only XXXX bank of America cards opened and issued on this account of XXXX Card # XXXX in late XXXX XXXX present day And in XXXX. Card # XXXX for temporary card closed after 30 days. 
On XXXX boa bank statement ENTRY OF ATM Card REPLACEMENT FEE {$5.00} on XXXX XXXX XXXX I need the following follow up documents from XXXX fraud research on my account as per boa THE ORIGINAL SIGNATURE CARD OF THE OPENING OF THE XXXX ACCOUNT as promised 3 months ago by XXXX. 
# XXXX WHAT ATM CARD # WAS ISSUED FROM BANK IF AMERICA FLORIDA ON XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have disputed XXXX accounts with Transunion for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Transunion has not removed these XXXX accounts for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against XXXX and the XXXX creditors in court. I am trying to avoid that as I am XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX  Balance : {$29000.00} XXXX XXXX XXXX Balance : {$5200.00}
Product: Debt collection

XXXX XXXX credit card sent to crown assessment to my employer for a wage garnishment how my information became available I dont know XXXX XXXX  says it wasnt them it just doesnt seem fair
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Late Payment Removal Account Number : XXXX Balance : XXXX Date late : XX/XX/XXXX This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the Fair Credit Billing Act forfeits any right to collect from the obligor. 

This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India. XXXX Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm. 

I am keeping a careful record of all correspondenceor lack thereofmade via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication.
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 Consumer 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 These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have XXXX student loans with Navient and tried to work with them to reduce my payments based on my income of $ XXXX. All they offered was a forbearance- no income based repayment program. They charged me {$150.00} for the forbearance. I 'm paying over {$1000.00} a month! I 'm buried!!
Product: Student loan

On both XX/XX/XXXX and XX/XX/XXXX, I called AidAdvantage customer service line XXXX ( XXXX ) XXXX, and was unable to reach any representative. At this time, on XX/XX/XXXX, I have been on hold for 1 hour and 44 minutes. 

I am reaching out to discuss my account and payment options as the options provided are not possible for me to make.
Product: Debt collection

On XX/XX/XXXX, I contact the Secretary of State to inquire about my drivers license. I was informed that my drivers license was suspended due to a balance owed to Wilber Group. I informed the Secretary of State that I had no knowledge of a debt owed to a company by the name of Wilber Group. I was given the contact information of Wilber Group and found that they are a third party debt collection agency. Wilber Group informed me that they are collecting a debt for an insurance company from the year of XXXX and that I needed to pay {$3500.00} in order to have my drivers license reinstated. Again, I have never received any letters or correspondence of me owing a debt to Wilber Group in the amount of {$3500.00}. I spoke with multiple associates at Wilber Group requesting proof of debt and claims if I owed {$3500.00}. On Tuesday, XX/XX/XXXX I was informed by an associate of Wilber Group that they do not have documents supporting the proof of debt or claims. With this information, how can one send over my information to the State of Secretary to have my drivers license suspended without no proof of debt or claims? How was the amount of debt calculated if there are no documents to support this? I was also told by an associate at Wilber Group that they do not have to provide proof of debt or claims and that if I do not pay they money owed, I will not receive my drivers license. This is a threatening tactic. I am a single mother currently in college.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : 15 USC 1681 Section 602a States I have the right to privacy.

15 USC 1681Section 602a Section 2 states that a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXX XXXX XXXX XXXXXXXX This item is reporting a late payment during which time i was in a extension
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CAP ONE credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CAPITAL ONE XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Product: Mortgage

For the last 3 months, I have received a bill stating that I owe {$1300.00} and I have mailed in the payments in the form of certified check and send the payments certified with a signature to show the payments were received. Well with that being said PHH Mortgage states we are behind and we aren't. We are also in bankruptcy and we wouldn't be late because the company would foreclose on us. Our loan was changed over from Ocwen to PHH Mortgage and now it's saying our mortgage is with XXXX how confusing is this. A company that can't get their act together and has so many complaints against them but trying to mess a homeowner out of their home they have been paying for. Also, stating that a home that is only valued at {$24000.00} and the company pulls up these fake sites stating that the homes in my area are worth anywhere from {$50000.00} to {$250000.00} there isn't a home in my area that is worth that amount. Even the home next door with a tree that has grown through the roof and no one lives in the home because of its a run-down home with termites and all its not livable. But PHH Mortgage claims the home next door is worth {$46000.00} not possible at all. The area we live in is nothing but a run-down drug area and it's sad this company is trying to make something off people who are poor and struggle every day to pay for something that isn't worth nothing more than the value that the county states. It really upset me with all the mortgage companies being able to rip people off as they do. This company really seems like a scam without a doubt. I will be contacting a lawyer with this issue I'm sure I have a lawsuit. Also, our payments use to be {$400.00} and then they went up to {$440.00} and it wasn't supposed to stay at that but they have been getting an extra {$40.00} in a payment every month without anything showing where this is going. Bad enough Ocwen put us through XXXX now PHH Mortgage is doing the very same thing. I see that PHH Mortgage has had many lawsuits over the years. 

This started with Ocwen in XX/XX/XXXX and continued to be an issue this whole time. Now that my account was sold over to PHH Mortgage or XXXX in XX/XX/XXXX that is when the issues got worse to the point of them stating I'm late on my payments and not adding the payments that have been made and weren't late. I send all my payments with a certified check and a certified delivery with a Signature required so I know they got it. Before when I would call in it would say PHH Mortgage now when you call-in it says XXXX WHAT?? What kinda scam am I dealing with here nothing is right with this picture.
Product: Debt collection

Midland Credit Management, XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX Has been sending me a collection notice Balance {$1400.00}. The collection has been reported as a pass due balance I dont know this Company. I have never done any business with this company. This Company doesnt have a contract with my signature.
Product: Checking or savings account

When I did a purchase they charge me twice. 
Maintenance fee One year ago I have credit card and I closed it I had cash reward on it they didnt send it to me.

They also have sent me new card and charged me for me All this was done through Bank of America in 2022
Product: Credit reporting or other personal consumer reports

On or around the the beginning of XXXX I I noticed inaccurate information on my credit report due to identity theft so I filed a FTC complaint and disputed the inaccuracy with Experian and requested them to block this information to which was supposed to be done within the timeframe stated according to 15 U.S. Code 1681c2. To which experian failed to do..
Product: Credit card or prepaid card

I recently made a payment for my discover now credit card. When I was making the payment I noticed that I was 2 days late in making the payment. The thing is, I never go a reminder on the due date of my next payment. If I knew, i would have paid it. I recieved no letter nor email. I will like to fix this before being penalized for my lack of knowledge. Thanks