23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Unacknowledged Qualified Written Request and Request for Information - In XX/XX/XXXX, the prior servicer ( 23 months after being the servicer ) both altered the mortgage summary in a historical document ( from a XXXX balance ) as a " correction '' pursuant to a reversed prior decision fixing a previous servicing error. ATTEMPTS TO FIX THIS : I called three times and Specialized Loan Servicing, LLC ( " SLS '' ) refuses to even enter either the Qualified Written Request or the Request for Information or acknowledge these requests even exist. I was told a supervisor would call me, but this also never happened. HISTORY : Before the change in servicer, I filed a servicing error dispute with SLS claiming they had agreed to a lien release in XXXX. FACT No. 1 : On XX/XX/XXXX, the dispute was sent to their " legal department for further research. '' See attached " SLS_XXXX XXXX. '' FACT No. 2 : On XX/XX/XXXX, the new servicer took over the loan. See attached " XXXX Corrected Notice of Servicing Transfer.pdf. '' FACT No. 3 : On XX/XX/XXXX, SLS issued a XXXX Form 1098 with a XXXX  balance left owing after deducting the amount credited for the borrower. See attached " XXXX Form XXXXXXXX. '' FACT No. 4 : On XX/XX/XXXX, SLS admitted : " the lien release described in my dispute was not in error. '' They asked the new servicer to liquidate the amount owing. See attached " SLS_XXXXXXXX. '' The new servicer refused. FACT No. 5 : On XX/XX/XXXX, SLS again verified " the lien release for the loan ending in XXXX described in my dispute was not in error. '' They again asked the new servicer to liquidate the amount owing. See attached " SLSXXXX. '' FACT No. 6 : On XX/XX/XXXX, SLS sent a generic letter changing the zero balance on their historical XXXX Form 1098. See attached " SLS_XXXX '' at pg. 3. FACT No. 7 : On XX/XX/XXXX, SLS confirmed the alteration of the historical document was based upon a change in their holding there had been a prior lien release agreement. See attached " SLS_XXXX. '' UNACKNOWLEDGED QUALIFIED WRITTEN REQUEST : On XX/XX/XXXX, I requested a copy of the documents used by SLS in changing their decision on the lien release servicing error dispute. See attached " SLSXXXX. '' UNACKNOWLEDGED REQUEST FOR INFORMATION : On XX/XX/XXXX, I attached an " XXXX  '' document wherein someone alerts ( " Organization '' ) a.k.a. XXXX ( SLS parent company ) of their altered XXXX Form 1098. There is an argument about whether it is proper to back-date the XX/XX/XXXX XX/XX/XXXXForm 1098 document to XX/XX/XXXX. XXXX states the changes to the historical document were at my ( " recipient 's '' ) request. And so, I request the information wherein I make such requests. See attached " SLSXXXX. ''
Product: Mortgage

Chase, XXXX XXXX and XXXX XXXX refuses to give modification to certain clients whose loans they have classified as " subprime '' that were dispense during the recession in hopes the consumer will default and they will collect insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is trying to Collect {$430.00} I Dispute before the 30 days but this collection agency is in violation of state and federal government regulations. The status of limitations has expired
Product: Mortgage

During the process to close on property purchase I received a packet of Application Disclosures on XXXX. Within the packet there was a page titled " Advance Fee Disclosure '' and on that page was a table that included a Credit Report Fee of {$190.00}. When I asked why this fee was so expensive, I was sent a table of charges that included a previous credit report fee related to a previous loan that was canceled prior to closing along with several re-issue and secondary re-issue fees dating back to XXXX. 
The lender responded that the charges below are automated underwriting fees for information. 
XXXX, credit report ( XXXX, XXXX, XXXX ) charged {$40.00}. XXXX charge of {$0.00} on XXXX and XXXX ; XXXX re-issue of {$3.00} on XXXX ( XXXX ) and XXXX ; XXXX XXXX XXXX {$0.00} on XXXX XXXX XXXX of {$1.00} charged on XXXX, and XXXX XXXX XXXX ( XXXX ) XXXX {$13.00} charged on XXXX ; SecondaryUse Re-issue ( HUD ) XXXX {$4.00} charged on XXXX ; XXXXReformat, {$1.00} charged on XXXX and XXXX Reissue, {$1.00} charged on XXXX ; SecondaryUse Re-issue ( HUD ), {$32.00} charged on XXXX ; Update/Supplement, {$19.00} charged on XXXX. The loan application and closing that was in-process supporting the previous charges was canceled prior to closing. 

The most recent credit report fee charged on XXXX was listed as {$42.00}. XXXX charge of {$0.00} on XXXX and XXXX ; XXXX re-issue of {$1.00} on XXXX and XXXX ; and XXXX XXXX of {$1.00} charged on XXXX, and XXXX XXXX XXXX ( XXXX ) of {$8.00} charged on XXXXXXXX XXXX 
When asked why these fees were being counted as credit report fees instead of being included in the {$990.00} Underwriting Fee, the lender representative did not respond.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$75000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the XXXX XXXX XXXX. Violations of the XXXX XXXX for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, XXXX, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the XXXX XXXX XXXX U.SC. XXXX et seq. also known as the Financial Services Modernization Act of XXXX I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.
Product: Mortgage

I was under the understanding that I was still under XXXX reporting protection for my mortgage. I was able to bring the account current with some assistance for the State but during that time I was reported delinquent for 2 months when I was under the understanding that it was protected. I declined the repayment plan because I was working to get the account made current. SLS reported my account XXXX delinquent for XX/XX/2022 and 60 days for XX/XX/2022. I have reached out to SLS for assistance with this problem without any success. Can CFPB help out lines of communication with the right department to get this simple issue resolved? The account is present and will remain current. 

Thanks
Product: Student loan

When I started at the University of XXXX, I let the admissions representative that was helping get started that I had a background issue would it be a problem? She stated no. At this time my degree is in XXXX XXXX/XXXX XXXX. It is a problem I have applied to several places and have been turned down be cause of my background check ( criminal background check ). So I explained this to my loan servicer, which is XXXX. I applied twice, the first time they denied my they stated that XXXX denied me and they had no control over the discussion, and to call XXXX. XXXX referred my back to them. Then they said I filled out the application wrong and I needed to redo lines 9 and 10. So I downloaded another application and re did it. Then I decided to call to check and they said I was denied again because I need the school to say they knew, and to call XXXX because they handle all decision. XXXX said it was not true and to get a supervisor. I do not know who can help me but I am getting the run around from both of these companies and I just do not know what to do.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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 XXXX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Social security numbers on my account and on my husband 's account at XXXX, Experian, and XXXX have the last four digits transposed. We were told this by XXXX XXXX, Finance Manager at XXXX XXXX in XXXX XXXX, SC XXXX on XX/XX/2021. We have ordered a car for next year and would like to purchase it. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts that are appearing on my credit report. First off the name of the credit is completely different from the same account that was appearing on XXXX. Furthermore the account was showing a past due amount which I had stated in my previous dispute was not a 100 percent accurate which it must be per the FCRA since the account was closed the past due amount must state {$0.00} or the account must be removed. Following the date closed was in accurate, it was appearing the account was opened however the status of date closed was completely different. They refuse to remove the accounts due to their negligence on correcting their mistakes. I had another account which shows a different name on other bureaus again causing me to believe it was in accurate. Monthly payment was again showing and the date closed was inaccurate. Furthermore the second account XXXX did not state anywhere that the account was EVEN DISPUTED. They completely disregarded the fact that I disputed the account and did not acknowledge their mistakes. I have done my research and I am able to confirm my report must be 100 percent accurate and if their are violations on my report that I am able to confirm the account must be removed. They are negligent and I am demanding the removal of the two accounts on my report showing XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I had a XXXX student loan serviced by XXXX XXXX ( now MOHELA ). That loan, which was split into thirteen different acounts by XXXX XXXX, was marked as 90 days delinquent for two months in XXXX, when it should have been in forbearance ( I had a XXXX  and was unemployed ). I have a copy of the letter that should have placed the accounts in forbearance in XX/XX/XXXX. I disputed this with XXXX XXXX in XXXX by letter, never heard back, then it became MOHELA. I am not able to log onto MOHELA 's online portal because now my loans are fully repaid. I have sent them a letter and not heard back. The XXXX delinquencies are still significantly impacting my credit.
Product: Credit reporting or other personal consumer reports

I was robbed at XXXX all of my information was stolen along with my car keys to my vehicle at the time my Social Security card my kids social my kids birth certificate. My drivers license was all taken from me, and I have accounts opening up in my name, but I did not do.
Product: Vehicle loan or lease

My property was repossessed on XX/XX/21 by BMW FINANCIAL SERVICES NA LLC in retaliation against me, for filing fraud against the dealership who put me in contract with this financing company. When I requested a copy of the original note, I was sent a copy with XXXX forged signatures on it, which deemed fraud on their end, NOT MINE. I signed a document in front of my house to securitize the account, and in return that exact note was not provided to me when requested. This repossession and extortion and threat to auction my property due to fraud, is invalid and causing XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I sent LVNV Funding a written notice of dispute and request for validation of a debt that is being reported as an unpaid collection account on my credit report. Original creditor account number XXXX. As is required by both the FDCPA, the FCRA, and the FCCPA, upon receipt of a dispute and request for validation of debt, the reporting entity is required to conduct an investigation of the dispute, and respond to the consumer within 30 days. As of XX/XX/18, I had not received a response to by dispute or request for validation from LVNV Funding. On XX/XX/18, I sent a follow up letter to LVNV Funding, advising them that they had not responded to my XX/XX/18 dispute and request for validation. It has now been more than thirty days since my second letter, and LVNV Funding has still failed to notify me of the results of their investigation, or to send me written validation of the debt. According the the FDCPA and the FCRA, LVNV Funding must now cease collection activity, and delete the entry from my credit report. I am requesting written confirmation from LVNV Funding that the item has been deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  sent my account to Jefferson Capital Systems XXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX Jefferson Capital said they Resent the collections back to XXXX XXXXXXXX XXXX  on XX/XX/XXXX. 

Also call XXXX XXXX XXXX in regards to the issue back in XXXX that this all sudden came about to the debt first premier bank said is {$1300.00} after XXXX  years. 

No Notice from XXXX XXXX XXXX in all these years.
Product: Mortgage

I am writing to express my deep concern regarding the current state of affairs with my mortgage provider, XXXXLoanCare LLC . The complete unavailability of their websites has prompted me to investigate the matter, and my findings indicate a potential cyberattack on the systems of XXXX XXXX XXXX ( XXXX ), resulting in service disruptions since the previous week. 

My attempts to seek clarification and reassurance by contacting their customer service at XXXX have been unsuccessful. Despite persistent efforts, I have been unable to connect with a genuine customer service representative, with my calls abruptly terminated. 

Given the gravity of the situation, I am profoundly worried about the security of my account information, including linked bank accounts, Social Security Number, and credit information. In light of these concerns, I am formally requesting XXXXLoanCare LLC to provide me with a comprehensive incident report detailing the specifics of the cyberattack and outlining the company 's response to this critical incident. 

Furthermore, I seek explicit information on the measures the company is implementing to safeguard the privacy and integrity of my personal information in the aftermath of this security breach. I believe it is imperative for the company to be transparent about the actions taken to rectify the situation and reinforce security measures. 

In addition to these requests for information and reassurance, I find it necessary to formally request compensation for the disruptions and potential risks incurred as a result of this security breach. The inaccessibility of the company 's website and the inability to establish communication with customer service have not only caused considerable stress but have also raised serious concerns about the safety of my financial and personal data. 

Considering the serious nature of this incident and the potential impact on my financial well-being, I expect XXXXLoanCare LLC to address this matter promptly and provide fair and appropriate compensation to mitigate any adverse effects experienced by affected customers. 

I anticipate your prompt attention to these pressing concerns and a thorough and satisfactory resolution to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly, I would like to bring to your attention Capital One 's violation of the FCRA, specifically 15 USC 1681s-2. This section outlines the duties of furnishers of information to consumer reporting agencies, requiring them to provide accurate and complete information. 
Prohibition of reporting delinquent debt without notice : Before reporting a delinquent debt to a consumer reporting agency, furnishers must notify the consumer in writing about the impending reporting of the debt .This notification should be given at least 30 days before the information is reported. THIS WAS NOT SENT TO ME. 
Additionally, Capital One 's non-compliance with IRS regulations is concerning. According to IRS guidelines, when a lender cancels or forgives a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor, notifying them of the cancelled debt amount that may be taxable income. Despite the debt exceeding the {$600.00} threshold, Capital One has failed to fulfill their legal obligation to provide me with the necessary Form 1099-C, thereby violating the IRS regulations.NO 1099C SENT TO ME As defined by the irs even if you have not received a 1099c you must report cancelled debt as gross income.

The irs clearly defines a charge off as gross or ordinary INCOME. 
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 
By definition of the irs it clearly states a canceled debt or charge off is income, the reporting of this account as debt is INACCURATE. 
You are hereby put on notice you are furnishing inaccurate information. 
I demand the following actions be taken : Direct Capitol One to contact the credit reporting agencies and request the immediate removal of the charge off from my credit report, as it reporting inaccurately This inaccurate reporting not only harms my creditworthiness but also violates the FCRA 's requirement for accurate and fair credit reporting. 
This is a final opportunity to cure and delete this erroneous inaccurate account from my consumer report.
Product: Debt collection

A company just reported to my personal credit file that I owe XXXX XXXX which is NOT accurate at all. I DO NOT OWE XXXX ANYTHING. This is FALSE information and this is violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. First Credit Services violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went into XXXX in XXXX  to use Western union to pay a bill. I created the ticket then went to the register to pay. I swiped my card a couple of times to pay but kept getting declined. I then received a text from XXXX to confirm the purchase. Before I could confirm the purchase the cashier voided the transaction. But as soon as she did that I confirmed with XXXX that the purchase was correct. XXXX sends the money immediately from my bank account to a voided transaction. I disputed this transaction with XXXX to fix the issue. They sent me a credit after waiting 10 days then on XX/XX/XXXX they reversed the credit and took XXXX from my account after finding that the purchase was " Approved ''. The money sent to XXXX never went to any transaction and I have been told this by the store manager and the district manager of XXXX. It's been almost 4 months and I have not yet received a refund from XXXX or XXXX. I've talked to multiple people from each business with no one to actually help me. The XXXX dispute department hasn't done any investigating into XXXX besides look at bank statements. I finally got ahold of someone in the department where they wanted proof of refund from XXXX. I never got a refund from XXXX. I have proof of 2 voided transactions from XXXX on XX/XX/XXXX. Also a email and multiple phone calls to Western Union asking if they have the money using the tracking number. Called XXXX XXXX  which is where the money was going to. They have XXXX record of the money sent to them. I feel that XXXX is doing nothing to help mein my situation at all when they were the ones that immediately sent the money over.