23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have told LendingPoint on XX/XX/2019, to run my debit card payment i have on file because i would be out of town for three weeks and would not be able to check. This was very important they did this because im scheduled to close on my home equity line of credit on the XX/XX/XXXX which would enable me to pay them off and other bills to due the setback of Hurricane Florence and what is did to my family. Now im back in town and they have not only not taken the payment, they have reported it late to the credit bureaus and now i cant close on my home equity line of credit due to their negligence. This is not the first time they have done this and ive asked to speak to upper management many times and they tell me they will call and they do not.
Product: Credit reporting or other personal consumer reports

Re : Dispute of information in a consumer report Dear CRA Experian, I'm afraid I have to disagree with the accounts listed below which still appear on my credit report, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly detrimental and damaging to my credit score.

You are reporting inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information. 

Account Name : XXXX XXXXXXXX Account Account Number : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i refinanced with XXXX XXXX XXXX around XX/XX/XXXX i had a roommate move out over night owing me XXXX XXXX dollars so i contact acted my mortgage company to ask them idf there was a temporary program to assist me for maybe 4 months if not less they informed me that there was such a program and advised me to fill out the documents that they would send me so i filled them out sent them back and waited XXXX weeks before contacting my servicer and was then informed to not make any payments until the loan modification was complete at that point i was current with my loan and was informed that it would not effect my loan or credit rating in XXXX of XXXX i was sent documents for a trial modification for XXXX XXXX and XXXX of XXXX and my payments would be XXXX so i contacted them and asked how this was assisting me when my original payment was XXXX they said ok that I needed to fill out another form which i did and again I received a trial modification for XXXX a month this was for XX/XX/XXXX XXXX and XXXX XXXX so i agreed and made the 1stand 2nd payment i tried to make the 3rd payment they said I had been put in a forbearance and when it was done I would pick back up with the trial modification so the last month of the forbearance I contacted my server and asked when i should start my trial modification payments and they then informed me that my trial modification had been cancelled and that i had to fill out the same documents to start all over again so i did and when the trial modification started for the XXXX time it was filed in the XXXX XXXX county courts and when I was on my second payment I was informed that my house was going up for sale the next day so I contacted a law firm XXXX XXXX and retained them they made me go file bankruptcy to stop the sale of my house so XXXX worked with my servicer and in XXXX of XXXX I started my XXXX trial modification it went from XXXX to XXXX and XXXX of XXXX the modification paper came to me the XXXX of XX/XX/XXXX stating starting XX/XX/XXXX I was to pay XXXX a month and that all the missed payment would be added to the end of my loan and my loan would be extended so every month from XXXX of XXXX I made my payments so in XXXX of XXXX I was contacted by a refinance co and started the process of refinancing only to find out that they had added nearly XXXX dollars to my loan and reported me as late for all the months they had me waiting for modifications so I contacted my servicer and asked them to fix the error they refused i sent evidence to all XXXX credit company and asked them to fix the errors so my servicer comes back and says they will mark me current from XXXX of XXXX to XXXX of XXXX and no data available back to XXXX of XXXX when my original trial modification started my servicer has lied to me and the new lender i am attempting to go thru i have all the evidence to prove every thing I've said in this statement i just need help
Product: Debt collection

Last payment to original debtor, XXXX, was on XX/XX/XXXX. Debt was sold to another company, UHG I LLC at unknown time. UHG I LLC has threatened to sue me pass the statute of limitations of four years in California and filed a lawsuit with Superior Court of California on XX/XX/XXXX. This debt is an old ( Time-Barred ) debt in California ( See line 4 on page 8 of attached document ). " If a debt is time-barred, a debt collector can no longer sue you to collect it. In fact, its against the law for a debt collector to sue you for not paying a debt thats time-barred. If you do get sued for a time-barred debt, tell the judge that the statute of limitations has run out. '' -https : //www.consumer.ftc.gov/articles/debt-collection-faqs # debts.
Product: Student loan

I was the co-signer on a Sallie Mae/Navient loan . I was never told the student was advised to enter into forbearance and then never made any payments. I should have been notified as the co-signer and given an option to take over payments. I found out about the delinquency when it showed up on my credit report. Dealing with Navient over the past 12 years was more than difficult. I tried to be released from the loan and they would not release me. The original loan was for {$24000.00}. I ended up paying more than {$70000.00} to satisfy this loan. I believe this loan is a clear example of the practices Navient has been found liable for in the XXXX class action settlement. If something was sent I never received it as to I moved in XXXX and changed my email.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my Experian credit report on XXXX XXXX, XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Thanks to CFPB I was able to secure a HAMP agreement with Nationstar last month and have successfully initiated payments under this agreement. However, I have repeated received certified notices, emails and messages that my mortgage is default and my home may foreclosed on. I do not trust Nationstar primarily because their systems do not appear to accurately reflect the status of my HAMP agreement. I have gotten repeated calls to contact Nationstar about the status of my mortgage which appears to be in direct contradiction of my HAMP agreement. I have pointed this out to Nationstar and they have proceeded to send me foreclosure threats event though the terms of my HAMP agreement do not permit the firm from foreclosing on my home while I go through the trial period. Nationstar has verbally told me that as long as I pay the mortgage within the month it is due there will be no penalty but I get different stories from different people and do not feel as though I have been told the complete truth about how the HAMP agreement works nor have I received explanatory documentation that details my HAMP agreement. I am concerned that Nationstar is attempting to foreclose because I have significant equity in the home and have not yet sold my house which is on the market. I would like more assurance from Nationstar, in writing, and clear documentation of the terms and agreements in the HAMP trial period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  - XXXX XXXX Account # xxxxxxxxxxxx XXXX ; XXXX XXXX XXXX, XXXX Account # xxxxxxxx XXXX ; XXXX  XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX ; XXXX  XXXX  XXXX Account # xxxxxxxxxxxxxxxx XXXX ; XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX ; XXXX XXXX XXXX XXXX  Account # xxxxx XXXX ; XXXX XXXX XXXX XXXX Account # xxxxx XXXX ; XXXX XXXX XXXX  Account # xxxxxx 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
Product: Vehicle loan or lease

I have called, sent emails and even reached out to westlakes attorney. It has been over a year I have been trying to resolve this issue with Westlake regarding my vehicle. Horrible customer service, the representatives hang up on you and do not care about you at all. I really want my issue taken care of ASAP. The car has been sitting at the mechanic shop and he also has bern reaching out but no response.
Product: Credit card or prepaid card

XXXX XXXX credit card XXXX. I was trying to book a hotel room and every advertisement said that the room could be free ( {$250.00} off ) so it is to be assumed that the room you are trying to book at that time for that date would be {$250.00} off. I signed up for the credit card spent plenty of money on it over the span of 1-2 months and then tried to book my room again. I was not given {$250.00} off of anything. I contacted XXXX XXXX and chase and was told the {$250.00} back is not until after a year. No where did I see that and if that is what is was intended they intentionally mislead me. " THIS ROOM '' as i am looking to book a room now not a year from now. I closed the credit card after finding this out and now they want to charge me an annual fee of {$95.00} after lying to me even though I only had the card for a couple of months. This company is intentionally misleading people. I want a {$250.00} check in the mail.
Product: Credit reporting or other personal consumer reports

According to the FRCA Act 15 U.S Code 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.
Product: Debt collection

Complaint Regarding UCB 's Failure to Provide Debt Validation Under FDCPA To Whom It May Concern : I am writing to file a formal complaint against United Collection Bureau ( UCB ) for its violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically its failure to provide timely and appropriate validation of an alleged debt in response to my written request.

On around a month ago, I spoke to a representative and requested a written request for debt validation to UCB under 15 U.S.C. 1692g of the FDCPA. PLEASE REQUEST RECORDING OF THE LAST CONVERSATION. This section mandates that debt collectors, upon receipt of a timely request for validation from a consumer, must cease all collection activities until they have provided proper validation of the debt. Despite my request, UCB has not responded with the required validation information, nor have they complied within the mandatory five-day period. 

Despite my timely request, UCB has failed to provide the required validation. After several days of waiting, I filed a formal complaint against UCB, and a CFPB representative responded to this complaint who stated that it was closed on XXXX on the basis that UCB would send a debt validation letter to me. However, it has now been more than 30 days since the the first inquiry and XXXX XXXX  since my complaint had been closed, and I have yet to receive any written documentation. 

This delay has persisted despite the FDCPAs clear requirement under 15 U.S.C. 1692g ( a ) that debt collectors must provide the consumer with a validation notice within XXXX XXXX  of the first communication concerning the debt. 

Legal Basis Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt or requests validation within 30 days of receiving the initial communication, the debt collector must stop all collection activities until it provides proper validation. UCBs continued failure to comply is a direct violation of this statute. 

Several court rulings reinforce the importance of timely debt validation. For example, in XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that collection efforts must stop until proper debt validation is provided. Similarly, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ), it was ruled that failure to validate a debt upon request constitutes a violation of FDCPA requirements. 

Case law supporting these obligations includes : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court held that any further collection activity before the debt is validated violates 15 U.S.C. 169.
Product: Credit card or prepaid card

I have a Synchrony Bank " Home '' Card of which I have been paying over the last 3 years as it offered 0 % for a period of time. My complaint is that relative to the current required monthly payment of {$85.00} due on XXXX XXXX, I paid the bill on XX/XX/2022 and the institution charged me a {$40.00} late fee ( 47 % of the regular payment ). I find that this fee is punitive and believe that the late fee 's should be no more than 10 % of the payment due. ESPECIALLY since I pay them electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with GM FINANCIAL. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
GM FINANCIAL XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, an unauthorized inquiry was left on my credit report from XXXX. on XXXX XXXX an unauthorized inquiry was pulled from XXXX. On XX/XX/2022 an unauthorized inquiry from XXXX was filed. On XXXX, XXXX XXXX  an unauthorized inquiry from XXXX was filed. On XXXX XXXX an unauthorized inquiry from XXXX XXXX was filed .on XX/XX/2022 XXXX XXXX XXXX filed an unauthorized inquiry.on XX/XX/2022 XXXX XXXX XXXX an unauthorized inquiry on my report. On XXXX XXXX an Unauthorized inquiry from XXXX was filed on my credit report. On XXXX XXXX Unauthorized inquiry was filed on my credit report from XXXX XXXX On XXXX XXXX XXXX XXXX  filed an unauthorized inquiry on my credit report. On XXXX XXXX XXXXXXXX XXXX filed an Unauthorized inquiry on my credit report. On XXXX XXXXXXXX XXXX XXXX  XXXX filed an unauthorized inquiry on my credit report. On XXXX XXXXXXXX XXXX XXXX reported an unauthorized inquiry of my credit profile. On XXXX XXXX XXXX placed a unauthorized inquiry on my credit profile. On XXXX XXXX XXXX XXXX placed a unauthorized inquiry on my credit report. On XX/XX/2022 XXXX XXXX placed a unauthorized inquiry on my credit profile. On XX/XX/202XXXX XXXX XXXX placed a unauthorized inquiry on my credit profile. On XXXX XXXXXXXX XXXX XXXX placed a Unauthorized inquiry on my credit report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting

On XXXX/XXXX/2016 I received an alert that Transunion had decreased my scores by XXXX points. I called and spoke with them and they said that I had negative items an my report. I told him that these negative items carried zero balances and the only recent activity on my report was an inquiry and that did n't amount to a XXXX point decrease. They also removed an account earlier from my report that I 'm still making payments on. I have n't seen that account on my report since XXXX. Why would they remove accounts from report that is active and timely payments are being made on this account.
Product: Debt collection

On XX/XX/year>, I initiated a dispute regarding a collection charge with XXXX, XXXX, and XXXX. However, I recently discovered that the same debt, now totaling {$4000.00}, has been transferred to a new agency, Midwest Fidelity. This ongoing issue has been deeply disruptive to my life, as Midwest Fidelity has been persistently harassing me with phone calls. 

I have filed a police report for identity theft, as it is evident that this debt is the result of identity theft and fraud. Despite my efforts, including submitting letters and emails with evidence of inaccuracies in the credit applicationssuch as an incorrect date of birth, email address, unauthorized signature, and inaccurate mailing addressthe debt continues to be passed along to new collectors, further compounding the situation. This pattern underscores the fraudulent nature of the debt and the need for immediate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

I check my credit report and saw inaccurate information on there. it hurting me from getting a house for me and my family. please remove this information immediately. rc/resurgent recivable account number XXXX opened XX/XX/year> past due {$460.00} but reporting on XXXX balance update XX/XX/year>. how is this possible if the account was opening XXXX. please fix
Product: Credit reporting or other personal consumer reports

Showing 2 closed loans active in my cibil report updated by Experian not able to identify why they are showing loans active after 1 year still report not updated till date that's impacting my credit score
Product: Mortgage

Complaint No. 2 Wells Fargo Mortgage On XX/XX/2023 around XXXX Wells Fargo sent XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to put a Vacant Note on my property. 

I talked to him, and he said that he was instructed even though he knew I still live here, and he proceeded to leave a vacant noticed and took a picture of his job done. 

I feel harassed and I would like to know the meaning behind that.
Product: Payday loan, title loan, or personal loan

Opted out of all marketing three or four months ago. Current XXXX XXXX employee that must shred anything with my address for security reasons. Company XXXX XXXX XXXX sent me marketing with pre-approved offer anyway. Tried calling, line always busy or closed. Not interested in their trash.
Product: Credit reporting

THIS COMPANY WAS PRETENDING THAT THEY ARE ONE OF THE XXXX CREDIT BUREAU IF IM NOT MISTAKEN, THIS WAS HAPPEND TODAY XX/XX/2016 AT AROUND XXXX, THEIR WED SITE IS ; XXXX IT TAKES TOO LONG TO LOGIN, THEY ALWAYS ASKED ME A LOT OF PERSONAL QUESTION, REPEATEDLY, THEY OFFER ME TO FEE {$1.00} TO INCRESED MY CREDIT SCORE, AFTER I PAY THE {$1.00} USING MY DEBIT CARD, MY PHONE RECIEVED A MSG REPORT FROM THE BANK COMPANY THAT " TU*transunion Plus 8 " CHARGE $ XXXX..AFTER A FEW MINUTE, I CHECKED AND REVIEWED THEIR WEBSITE POLICY, TERM & CONDITION & THE PRIVACY ITS LIKE ILLEGAL XXXX SO I CALL MY BANK TO DISPUTE THE TRANSACTION, AND I CALL THE TRANSUNION PLUS, BEFORE XXXX WITH THIS # XXXX BUT IT WAS THE ANSWERING. AND I CALL AGAIN AT XXXX, AND A LADY ANSWER ME, TELLING SHE IS A SUPERVISOR ( IN A NICE VOICE ) FROM TRANSUNION CREDIT BUREAU, I TOLD HER I NEED TO DISPUTE THE TRANSACTION THAT U CHARGE ME {$29.00} INSTEAD {$1.00}. AND SHE SAY WHY, THIS IS IMPT, WHATS THE REASON? AND SHE SAY MAYBE YOU NEED THE {$9.00} PLAN/MONTH. I SAID I DONT NEED IT, I WANT MY {$29.00}, AND HER VOICE STARTED TO WAVED. I TOLD HER THAT I REVIEWED YOUR PRIVACY POLICY IN YOUR WEDSITE AND YOU ARE NOT AFFLIATE IN THE XXXX CREDIT BUREAU. AND THE LADY SAYS AH OK BYE.. AND WHEN I TRIED TO OPEN OR LOGIN TO THEIR WEBSITE BECAUSE I WANT TO DELETE MY INFORMATION BUT MY ACCOUNT WAS SUSPENEDED ALREADY.. I NEED SOME HELP TO REMOVE MY PERSONAL INFO IN THEIR WEBSITE.. 
THANK YOU..I HAVE A PRINT IN MY CREDIT REPORT FROM THEIR WEBSITE I PRIENT IT..I CAN NOT DOWNLOAD THE FILES, I TRY LATER TO DOWNLOAD
Product: Mortgage

The value of our property has increased over {$100000.00} and we are wanting to eliminate our PMI. 

The servicer, Cornerstone has refused a new appraisal because of an internal policy they have that required 2 years seasoning on the loan, even though the HPA specifically states that the servicer can not infringe upon the borrowers rights- regardless of internal policies designed to prevent borrowers from eliminating PMI