23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I have faxed over everything required from my end in order to apply for a loan modification. I faxed everything on XX/XX/XXXX. I was told I would hear back in about XXXX  days. I have nit heard anything back from Selene Finance in regards to a possible loan modification. I've let them know every single time I call that I can not make payments they are adding fees on to. First they were requiring XXXX by XX/XX/XXXX. Then when I called to make a payment, they said I now owe XXXX. I call back yesterday and what I owe ballooned to XXXX. I'm not sure what fees they are stacking up, but at this point I have not received not a singl response to see if I can continue making payments on my home. I call to make a months worth of payment, and they refuse to accept unless it's the new amount. I don't know how or why they are asking for so much money within the same XXXX month in order to prevent foreclosure. I have read many reviews where Selene Finance has foreclosed without notifying the homeowner and I hope that's not the case with me. I have called so much to ask if they have any news and NONE of the representatives know ANTHING. I want a response in order to go through a loan modification. I do not want to go back and forth anymore.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX utilizes XXXX  which is a correspondent of Regions Bank, N.A. We were approved through XXXX in order to finance the project. XXXX sent a Truth in Lending disclosing the amount approved which was XXXX Upon completion of the project, XXXX sent XXXX a bill for the completed project of XXXX. XXXX never redisclosed for the amount of the completed project which was the actual amount borrowed. Instead, they starting sending out a bill for simple interest. Never re-disclosing what the payments would be after the loan recast for the correct amount. I know the regs are different for every state and maybe they didn't have to send out a Truth-in-Lending with the correct figures. Maybe this time, it slipped through the cracks ; however, all the cracks were filled with the New Regs. Reg Z, X and Dodd Frank. I thought Lenders were operating above board. Regions can't claim ignorance in this and any case.
Product: Student loan

Filing a new complaint to follow up on my previous complaint about the 1099-C that Nelnet stated is fraudulent. I am writing to file a new complaint against Nelnet, a student loan servicer. I previously filed a complaint about a 1099-C that Nelnet issued to me. Nelnet has not provided me with any documentation to support their claim that the 1099-C is fraud, and they have also refused to provide me with a copy of my original promissory note. I am now requesting that Nelnet provide me with the following documentation : 1. Documentation on how they reached the decision that the 1099-C is fraud 2. A copy of my original promissory note FCRA Violations : 1. Nelnet reported my student loan account to my credit without my consent. 2. Nelnet never gave me the option to opt out of having my credit report shared with non-affiliates. FDCPA Violations : 1. Nelnet did not provide me with documentation to support their claim that the 1099-C is fraud. TILA Violations : 1. Nelnet failed to provide me with clear and accurate information about my student loan account. 2. Nelnet engaged in unfair and deceptive lending practices. I have attached documentation to this complaint showing that the 1099-C was accepted by the IRS and a copy of the 1099-C. Student loans are a federal debt backed by the full faith and credit of the United States. Nelnet is required to comply with the law and provide me with the documentation that I have requested. 
Nelnet is also not the original lender but only the servicer. Nelnet is also part of the securitization fraud for this commercial paper. According to the purchase agreements, Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX will sell the loans to Nelnet Student Loan Funding III LLC ( the depositor ), which will sell the loans to the issuing trust. In rating this transaction, XXXX XXXX XXXX XXXX XXXX will review the relevant legal matters as outlined in its criteria.
Product: Debt collection

This is not my debt. I have no knowledge of this debt. I have never received any communications regarding this debt.
Product: Credit reporting or other personal consumer reports

I have identified accounts on my credit report which are not mine and i believe were opened using all or part of my personal identifying information. I have contacted the creditors in question in writing and requested resolution. I was advised to request a fraud alert be placed on my credit reports as well as file a report with the Federal Trade Commission which is attached. 

The accounts are : XXXX XXXX - acct ending XXXX XXXX XXXX XXXX acct ending XXXX Inquires appear that I did not request are : XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, I submitted a reinvestigation letter to XXXX pursuant to 15 U.S. Code 1681i ( a ) ( XXXX ) ( A ). The account in mention is XXXX XXXX XXXX XXXX XXXX  This account held numerous inaccuracies and incomplete information XXXX. This account doesn't have a payment history reflecting at least XXXX days worth of late payments to even constitute a collection charge off. 

XXXX. Equifax failed to conduct a thorough investigation within XXXX  days XXXX. Equifax failed to follow Metro 2 compliance standards XXXX. Equifax failed to provide written proof of verification. See : 15 U.S.C. 1681i ( XXXX ). 

XXXX. Equifax XXXX forged inaccurate and damaging information on my account by adding an unknown address to me without verification XXXX. Equifax failed to mark account " disputed by consumer ''. See : 15 U.S.C. 1692e ( XXXX ) XXXX. Equifax failed to remove the account after XXXX XXXX advised them that the debt was not valid. 

In short, due process requires If the investigation does not provide consistency, verified, accurate and complete information which is validated as factual by the debtor, then the account MUST be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received conflicting information from representatives regarding the companies method of communication as well as the alleged issues with my payment. 

They have denied the removal of a 30 day late report, although their representative, who I initiated contact with, verified the details of my online account payments, processed payments with the SAME information and ensured me that the company would not be reporting the payment late. 

However, the payment was reported late. 

Additionally, I have received information from the company on 4 separate phone calls which communicated that all of my correspondences were only to come via USPS. Then yesterday, I received an email that stated phone call attempts were made. After reviewing that email, I spoke with a representative who stated that ALL communications to me as the customer are via USPS.

I am receiving nearly robotic responses and their investigation has not delved into the detail nor taken their untimely method of communicating that there was an issue with the payment into consideration. Not even an email. Amidst this payment period of XXXX, I was violently carjacked in DC and was relegated there until my vehicle was recovered and processed. Upon returning home, I initiated contact with Cross Country after checking my account for fraud because all of my credit cards and ID were taken and when I gained access to my account, I noticed the payment which had been made 5 days after the robbery, still had not debuted my account. This is the aforementioned call in which the rep told me that the No Account Information found was not my fault.

I regard the untimely communication and the misinformation provided not to be aligned with the companies FCRA requirements. But more importantly, the sheer lack of compassion for me as a XXXX, female combat veteran and a customer is unacceptable. 

All documentation which was just reviewed today, was said to be substandard, because technically the payment was received during the month of XXXX. 

I will contact Veteran Affairs, my congressman and their companies leadership in short order. Primarily because of the conflicting information, such as we called you three times versus we only mail you communication. 

We will reverse the late payment and place it to the principal and then we wont. 

Youre routing number was entered incorrectly but we can tell you the routing number versus we have the same info lets hope this goes through, it wont be reported late and then it is. 

These are not good faith practices and the fact that they would sully my credit history is astounding. 

I am humbly requesting the removal of their late payment and acknowledgment of the conflicting information that k have received.
Product: Checking or savings account

I got my checking and debt card blocked due circumstances beyond my own doing. Truist bank accused me of fraudulent because my account was overdrawn by XXXX dollars, and the check from insurance company, was not honored by XXXX XXXX stop payment on the check. All the information was presented to me by the bank itself. Now, I can not fuction normally my daily life. I am seeking legal action against as well.
Product: Student loan

The creditor 's fail to accurately reflect multiple payments made by me. It's to my knowledge that the creditor failed to furnish me with a statement prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed. 
I reached out to the consumer and made them aware of my identity theft, but the creditor took no action. The school was with Helding the payments received and not applying them to my loan the kicked me out the school but still receiving payments in my absence.
Product: Debt collection

I had received a couple of calls from Jefferson Capital at the end of XX/XX/2020, but nothing out of the ordinary. However, today, Wednesday, XX/XX/2020, they called me four times within an hour. The first two were at XXXX and XXXX and the last two were at XXXX and XXXX. I answered the last call and informed them I would be filing harassment charges against them for the repeated calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have settled my XXXX XXXXXXXX account, my capital one account and my XXXX  accounts. They are all telling me they cant remove them from my credit even though Ive settled and paid as agreed. Please help me remove them as negative remarks on my credit.
Product: Student loan

Requested a {$10000.00} refund of payments from my student loan provider FedLoan. These were for payments made during the pandemic. I made my request on XX/XX/2022 and was promised that I would receive my refund back in 30 days. It has well exceeded the initial wait time promised.
Product: Credit card or prepaid card

My online Bank of America ( BOA ) credit card account ( ending in XXXX ) statement indicated an 'unclaimed credit ' in the amount of {$260.00} as of XX/XX/2018 I contacted BOA supervisor XXXX  regarding this unclaimed credit on XX/XX/2018 requesting that the {$260.00} be applied back to my credit card account. XXXX indicated that BOA sent the {$260.00} to the State of Texas. XXXX  noted I have to contact the State of Texas in order to get the money that is rightfully owed to me. I asked XXXX to speak with an upper level supervisor. XXXX indicated, " I ' the highest level supervisor available at this time. '' This is concerning, as I'm a long-time ( over 20 years ) customer with multiple BOA account. I've had no issues in the past requesting BOA to apply overages/credits back to my account. Thus, I would expect BOA to make every effort to contact a valued customer before deciding to move in this direction. Prior to this phone call, I was never notified of this 'unclaimed credit ' by BOA .

I spoke with the XXXX ( Texas unclaimed Property Division/Texas Comptroller ) on XX/XX/XXXX regarding the above. XXXX indicated there is no claim in the system under my name. She noted that it could take a month or two before the claim shows up in their system, which afterwards I can initiate a refund claim. She also indicated that funds are usually not turned over to the state until 3 years of inability to make contact with the customer. Thus, it could be months before I receive my funds. Therefore, I'm very concerned that BOA in this deceitful manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inaccuracies on my Experian Credit report, that I have brought to Experian 's attention and they had failed to fix the issues. 

There is a collection account that should have been removed as I never had any business relationship, account setup, or payment arrangements with the company. My account was handled directly with the creditor without the involvement of any collection agency. 

XXXX XXXX XXXX is reported as a Hard Inquiry on my credit report ; this company is a collection agency- that is being incorrectly reported, as a lender who accessed my credit report for an installment loan or new bank account inquiry. I have never applied for any loan or bank account with this company and never given this company permission to use my personal information to obtain my credit report. 

There is a business account from XXXX XXXX that should not be on my personal credit report. I have disputed this account numerous times, the other credit bureaus have removed the business account from my credit reports, Experian has failed to remove this account and continuously avoids correcting any inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from XXXX XXXX for a credit denial on a vehicle I never even looked at or applied for, at a dealer that is over an hour away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Standard XXXX XX/XX/XXXX XX/XX/XXXX/XXXX XXXX I never applied for this ever I do not recognize this and now I have a hard hit on my credit score and it has dropped by 30 points Also they misspelled my name so I am not sure they have my SS # with someone else and their information - because I have good credit no matter what it shows
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On the morning of XX/XX/ i woke up with three unauthorized inquiries 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 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  from Experian I've tried calling XXXX and Experian to get this resolved but was not successful. A security freeze was placed on my account with XXXX. I did not authorize any of these inquiries nor have i applied for anything that would run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Capital One Account ending in XXXX This credit card had a credit protection service on it, in the event of job loss. When I called in to report my job loss, the creditor said they no longer honor that program. Subsequently, this is a violation of basic contracts law as there was no meeting of the minds at inception, violation of the UCC section 2-201, as I had made regular payments and had a reasonable expectation of the minimum payments to be made during the time of my job loss. Additionally, I find a violation of section 1-304 of the UCC as the creditor had no good faith, and entered the contract with unclean hands.
Product: Checking or savings account

I went to a BofA ATM to withdraw {$1000.00} on XXXX. 
Machine got stuck.

Didnt receive funds. 
Filed a claim immediately while at machine. 
Did subsequent withdrawal at same machine for {$300.00} which was fine. 
They said XXXX business days to get credit for {$1000.00} missing. 
Then another XXXX business days. 
Still have not received funds.
Product: Checking or savings account

On XX/XX/year> I stayed at the XXXX XXXX XXXX in XXXXXXXX XXXX. They require a deposit of XXXX XXXX. I used my cash app card for the deposit. When I checked out the next morning they released my deposit back on my debit card cash app has not returned the funds to my account. It's been over a month cash app customer service says it was never released. I had the hotel manager email them the proof that it was. XXXX was her name at the hotel. They stated they never received the email from the hotel I would like my money back. I waited Over a month for it. Still have not received it yet
Product: Credit reporting or other personal consumer reports

The following accounts were closed by me and should state that XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX  XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

TransUnion has continued abusing my file and failing to update information such as phone numbers, employment title & true score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 TransUnion responded to a complaint I filed over 30 days ago that involved XXXX XXXX XXXX XXXX In result of feedback provided to CFPB on XX/XX/2018 my credit score decreased from XXXX reported on XX/XX/2018 to XXXX. 

All open accounts have been in good standing over the last 90 days. TransUnion is aware I've applied for a mortgage.
Product: Mortgage

We filed our Chapter XXXX bankruptcy in Iowa in XXXX, it was granted effective XXXX XXXX. It was discharged in XXXX. Our mortgage company at that time, Bank of America, held XXXX mortgages. Both were filed with the bankruptcy filings. We received paperwork on XXXX mortgage, but not the other. I called BofA to inquire and they said only that no further money was due on the second mortgage. We proceeded with the filing, leaving the second mortgage amount listed. Although we did not discover this until much later, in XXXX of XXXX an " Insurance Company '' filed a lien on our property for the original amount of the second mortgage, almost twice as much as the amount I had contacted BofA about. We had never heard of the Insurance Company. I tried to contact the Insurance Company, sending XXXX or XXXX ( ca n't remember ) letters and calling on several occasions, but was never able to connect with anyone either by letter or phone, getting no return mail or telephone calls, even though I left several messages. 
We first learned of the lien after the bankruptcy was discharged, when we tried to get a mortgage on our home in order to do some necessary repair and major maintenance work. Due to the presence of this lien, which we knew nothing about, we were unable to get a loan of any kind. They have never contacted us or tried to collect, except once, after receiving notice from the court that the bankruptcy was discharged. They apparently contacted Bank of America first, and were told contact us, asking us to tell Bank of America to send them any money that BofA had collected during the bankruptcy that belonged to them. I did so, apparently BofA did send them a check. During my conversation with BofA, I learned that BofA had purchased " mortgage insurance '' from this Insurance Company, and the Insurance Company had paid off the loan to BofA, which was why it showed that nothing was owed to BofA on the second mortgage. 
I think this entire exchange was underhanded and possibly illegal. We were not told the loan was sold. Can you help us to clear our title of this lien? Thanks for any help you can give.
Product: Debt collection

I wrote synchrony bank a letter asking about a account that was suppose to have been open by me on XX/XX/XXXX when synchrony bank responded back they gave me no information about the account besides who the account was sold to synchrony never verified the account was mine.. I contacted XXXX XXXX at XXXX on XX/XX/XXXX at XXXX XXXX i spoke to a customer representative name XXXX ext-XXXX she advised me that XXXX XXXX did n't have the account..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that Fortiva XXXX is reporting a charged off credit card on my credit report. I never applied for a credit card with this company and never received any communications from this company. I was a victim of identify theft in XX/XX/2020, when I moved from XXXX XXXX to XXXX XXXX. Please remove all delinquent reporting and delete the trade line from all credit bureaus. I am in process of buying a home and this showed on my credit report and is impacting the process. Please remove ASAP.