23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved for a tier 1 first mortgage HAMP back in XXXX with XXXX ( the loan was formerly with XXXX and XXXX XXXX XXXX originally approved the Mod prior to the transfer to XXXX ). I also had an outstanding HELOC with Citibank and it is my understanding that once your 1st Mortgage HAMP is approved and you 've gone through and met all the requirements of the trial period that you are then officially in HAMP and as such now automatically eligible for the 2MP program for 2nd mortgages. In fact in reading through the " Making Home Affordable Program : Handbook for Servicers of Non-GSE Mortgages '' it is my understanding that 2MP should have automatically been offered to me by Citibank yet they did not. Why did n't they offer it to me in XXXX once the HAMP was set in place permanently?? 

Citibank recently contacted me stating that my HELOC would reset in XXXX of XXXX which prompted me to look into finding out which solutions might be available in order to keep payments affordable. This is how I came across the fact that I should have been eligible for the 2MP with Citibank back when my HAMP first became permanent. I contacted Citibank to begin the process of getting my HELOC into the 2MP program and they said they could n't verify that our first mortgage was part of HAMP. I 'm very frustrated that they are not willing to do the work necessary to match up my first mortgage HAMP with their 2MP modification program for my HELOC. I need someone to advocate on my behalf so that they will formally acknowledge that I do in fact have a 1st mortgage HAMP in place and that I am eligible for the 2MP because of this. I 've already sent over documents from my 1st mortgage stating that I was accepted into the HAMP program so why is Citibank not acknowledging that I qualify for 2MP? And why are they putting me through the entire application process from scratch all over again when they should just take what was approved for first HAMP and apply matching terms to 2MP?
Product: Student loan

On XX/XX/XXXX, I checked my aidvantage account and saw that all of a sudden my forbearance changed from XXXX XXXX to XX/XX/XXXX. No email, no call, no form of communication was given about this sudden change, and my loans started accruing immediately without notice. I had already planned to pay everything before that time frame, but was forced to do it sooner than later. One can only imagine the amount of frustration my husband and I felt having to take out a large chunk of money in our savings. I spoke with a representative for an hour, and they were also confused why I never received any forewarning about this sudden change. Not only that, but they still havent processed my {$1000.00} payment scheduled for XX/XX/XXXX, yet were able to successfully get the {$10000.00} that we took out from our savings. NOW, I still have interest accruing when I shouldve been done since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Both accounts are fraudulent, I want these removed immediately.
Product: Debt collection

Work up to find a collection on my credit report and my score dropping XXXX points. Collection complany took over XX/XX/2023 for XXXX in XXXX XXXX XXXX XXXX  charges. I called XXXX XXXX XXXX  and they have no record or my name or address ever being used and filed fraud claim.
Product: Money transfer, virtual currency, or money service

I received a check from CFPB and its outdated. And now considered VOID, can I have another one issued
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a forbearance by SLS in XX/XX/XXXX. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time SLS has reported me TWICE as being delinquent and my credit score has dropped 149 points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called SLS in XX/XX/XXXXand they completely admitted being in the wrong and said that they would make it right. But then in XX/XX/XXXXit happened again. Once again I called SLS and was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XX/XX/XXXXwhich did not happen. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, which is a collection agency, began reporting a new open delinquency to XXXX on XX/XX/XXXX. They list the original creditor as XXXX XXXX XXXX XXXX. I had to research to find out that XXXX XXXX is parent company to a payday loan service in Ohio. I may have had business dealings with a payday loan service in Ohio no later than summer of XX/XX/XXXX, but am unsure. I certainly did not open an account in XX/XX/XXXX, stop paying a balance, or admit to owing any such balance. I have several times disputed the reporting of XXXX XXXX, which continues to get me nowhere. Now I am having difficulty getting a mortgage because of this, as it factors into my DTI at 5 % monthly payment of the balance of the reported debt.
Product: Student loan

- Wells Fargo charged me late fees even though I made timely payments - Wells Fargo tried charging me for future payments - Those payments accrued late charges even though they were future payments - Wells Fargo agents tried to have me pay through partial payments instead of one payment - Company denied any negative charges to or about them after I inquired - Did not notify me when it applied payments across multiple loans - Poor management and monitoring of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not unfreeze my account. Trying to buy a house but  XXXX  says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.     Experian will not unfreeze my account.trying to buy a house but experian refuses to remove the alert or freeze on my credit report in which I did n't agree to.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concern regarding Zelle and the way they handle disputes. Especially with lawsuit that focuses on significant issues with the platform. Zelle has failed to report discrepancies and fail to adequately investigate claims. When funds are lost they have told me it was impossible to track and refund. Zelle has failed to to protect consumers and has allowed repeated offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

I submitted an application to refinance my personal home mortgage. Wanted to take advantage of the lower rates and refinance for 15 year term instead of the curent 30 year term. I have excellent credit, a good job, plenty of cash in a savings account, and more funds in a XXXX I have very little personal debt. No credit card debt and one car loan for approx. $ XXXX. 

After submitting all of the documentation, I was told my loan was approved and just waiting to schedule closing. I sent several emails inquiring about the closing date. I travel frequently for my job and wanted to schedule closing so it did not conflict with my work travel plans. 

XXXX has so many loans to close, they basically didn't have time to get my loan closed. Now they claim the rate lock has expired and I need to lock my rate again, of course it will be higher. It's not my fault the rate expired, they caused the delay. I feel that they should honor the original rate and I should not be forced to accept a higher rate due to their delay. 

I don't even know if they would have told me. I just kept emailing them and asking about when the loan could close, magically the rate needed to be locked again. 

I can provide any documentation that you need. I have all the emails.
Product: Credit card or prepaid card

I have had the XXXX XXXX XXXX since XXXX. Id kept the balance very low. They sent us promotional checks with 0 % APR for 12-18 months. I used one of these checks for a home improvement project. In the next statement I saw a fee for {$290.00} as balance transfer fee. When I called customer service and pointed out thered been no balance transfer they basically stone walled me an insisted that I was not being charged interest. This is clearly misleading promotion. Is should point out that XXXX XXXX sold their credit card business to Elan Financial services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is still reflecting a balance on my credit report although the account was paid in full on XXXX XX/XX/2020. The balance should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I urge you to thoroughly investigate this matter and verify the accuracy of the repossession entry. If it is found to be erroneous, I request that you take the necessary steps to remove it from my credit report. 

I understand that the FCRA requires you to investigate and respond to disputes within 30 days from the date of receipt of this letter.
Product: Debt collection

I was contacted by GC Services, I asked them when my account was scheduled to report they said it is pending. I asked what that means they would only repeat that it was pending. I advised that either it has reported or it has not, and it is pending that means that it has not reported to my credit. They rep said confirmed that this was correct. So I asked again when is it scheduled to report to my credit since it is not on my credit now. She said its pending so I said your being very confusing and misleading by not giving me the correct info when I 'm asking. There is a date/time period which a credit reporting account is scheduled to report she said its pending. Then she hung up on me as I was talking.
Product: Credit card or prepaid card

A transaction of {$3600.00} went through on XX/XX/2021. 
I called in in XXXX to report it as fraud. 
Chase refused to reimbursed it based on the fact that it has been too long.
Product: Checking or savings account

Dear SoFi Bank, I am writing to express my serious concern regarding your handling of a dispute I filed on several denied claims concerning unauthorized or incorrect transactions on my accoun. 

Despite submitting all the necessary documentation and providing clear evidence to support my claim, I was informed that the dispute was either denied or delayed without proper justification within the required timeframe of fewer than 48 hours. This delay and subsequent denial directly contravene your obligation to provide timely responses under federal regulations, specifically the Electronic Fund Transfer Act ( EFTA ) and Regulation E guidelines for dispute investigations. 

The following points illustrate my concerns : Failure to Respond Timely : My dispute was submitted on several dates, and I was assured that it would be addressed promptly. However, as of XX/XX/year>, no action has been taken or communicated in a timely manner. 
Dismissal Without Proper Investigation : Your denial appears to lack adequate explanation or supporting evidence, leaving me to question whether my claim was properly reviewed. 
Violation of Consumer Protection Standards : As a customer, I have the right to expect due diligence in handling legitimate disputes, especially when they involve potential financial fraud or errors. 
The transactions in question are clearly unauthorized, as I provided evidence showing I did not make the charges, I had never done business with XXXX, and several merchant charges happened online. I request an immediate and thorough review of my case, along with a detailed explanation of your investigation process and the reason for the denial or delay. You have restricted my bank account of an XXXXXXXX XXXX XXXX XXXX without just cause. You have tarnished this nations reputation by your actions Failure to address this matter promptly will leave me no choice but to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. I value my relationship with SoFi Bank and hope this matter can be resolved amicably and efficiently. 

Please respond to this complaint within 24. You may contact me at XXXX or email if further information is required. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/XXXX 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 15 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Paid off loan XX/XX/XXXX or XX/XX/XXXX. Have been trying to contact XXXX to get a copy of the lien release for the paid off trailer. I call and enter my social security number, and it tells me it 's " invalid ''. I do this repeatedly until their automated system tells me " please call back when you have correct information. Goodbye '' - then I 'm hung up on.
Product: Mortgage

My mortgage began the latter part of XX/XX/XXXX, with first payment due to XXXX   XXXX XXXX ( XXXX ) on XX/XX/XXXX. This payment was made before XX/XX/XXXX ( see attached document ). Mortgage was then soon sold to Home Point Financial ( HPF ). HPF said that they didn't receive the XX/XX/XXXX. payment from XXXX, and has had me showing as late since that time. XXXX   sent me documentation via email that I had, indeed, paid the XX/XX/XXXX. payment ( again, ( see attached document ), and verified that that payment was sent to HPF. I explained this to HPF, who said that they don't see it and that there's a 30 day grace period for such matters. I was told that their online payment system would not accept any current month 's payments, only the " past due '' month 's payments. So XX/XX/XXXX rolls around, I make a payment just mentioned to HPF ( see attached document ). Instead of a payment for XX/XX/XXXX, it shows as being for XX/XX/XXXX. XX/XX/XXXX comes, and I make another payment to HPF ( see attached document ) and again address the issue. Again, same story from them, my payment only applied for XX/XX/XXXX. I explained that I have proof of payment, and was told that that doesn't matter, they don't see the payment in their system. In late XX/XX/XXXX I get a letter from HPF that I'm past due and they tacked on a {$42.00} late fee. On XX/XX/XXXX I go in to my online HPF account to make a XX/XX/XXXX payment and there's no link to make such a payment and it says that I am 29 days past due and late charges ( see attached document, " HPF Page 1 '' jpg ). I don't know what to do, outside of getting an attorney. I've discussed this matter  with HPF about 4 times and sent an email today regarding this issue. Has my credit and character been negatively affected? Is HPF anti-veteran, or do they just choose to financially abuse veterans in this manner? NOTE : Mortgage company address may be incorrect as they have 5 addresses.
Product: Credit card

I have consistently ensured that payments on this account are made on time, always avoiding overdue payments. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The first delinquent date changed to year of XXXX after I made a payment in that year. I made a payment because it was showing an open balance. 

The first delinquent date was XXXX. This is in violation of my rights and the Fair Reporting Act. This account is past the seven year reporting limitations. 

I have called their customer service several times f for several years, since XXXX. I have disputed the information with the credit agencies and they keep coming back stating the same, but not really investigating it for me. 

Because the date of first delinquency changed my credit score went down XXXX points. This stopped me from getting a home loan for the family. Everything lender needed was accepted but then the score changed.