23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX wells fargo contacted my cosigner on the last day of my forbearance being active and started threatening her that if she did not make a payment that the loan would go into collection. They made her feel threatened and spoke to her in a to make her feel very uncomfortable and threatened. They knew two weeks ago I was going to reactivate the forbearance I called in the middle of  XXXX to extend it and they reccommended that I wait to the end of the forbearance to make sure i get the optimal amount of time. They have constantly changed up information they require they needed for paymant adjustments as well. Switching up the documents and just making it extremely difficult to setup a payment that I can afford even after providing both paystubs that I make from work and the social security income amount of my cosigner. This is getting out of hand I have told them multiple times that I am willing to  make payments that are within my budget. I do not know what else I can do I need help with them.
Product: Mortgage

HARDSHIP LETTER : XXXX XXXX, 2015 '' Helping Homeowners Is What We Do! '' Says Ocwen. 
How is Owen helping me by giving me a debt of {$1000000.00} on a home that Ocwen appraises at {$260000.00} when the market value is less than {$200000.00} and making me pay {$3100.00} per month on a home that would, at auction/short sale only realize {$150000.00}? 
In my hardship letter dated XXXX XXXX, 2015 I provided you documentation that showed the original loan was predicated on a fraud perpetrated by the broker and " HIS '' appraiser. 
Ocwen 's mortgage is 4 times more than Ocwen 's appraisalOcwen 's Loan Modificationis based on a loan debt to Ocwen in the amount of : {$1000000.00} Ocwen 's appraisal for the value of the property is : {$260000.00} XXXX XXXX appraisalXXXX {$220000.00} Auction/Short Sale ( per XXXX XXXX ) XXXX $ XXXXI now refer to your letter dated : XXXX XXXX, 2015 in which you responded : Please note that Ocwen was not involved with the origination of the loan and therefore Ocwen or this Office would be unable to comment on matters related to origination.. 
I quite agree that Ocwen is NOT responsible for what happened on the original fraudulent and unethical loan. Ocwen has a wonderful motto : Helping Homeowners Is What We Do! '' How can Ocwen be helping me by making me pay {$3100.00} per month on a home that Ocwnen 's own appraisal says is worth only {$260000.00}?? 
But Ocwen is NOT helping me by perpetrating and enabling the origination of the fraud to continue. If Ocwen really wanted to help, Ocwen could mitigate this " ongoing " fraud in consideration of the true value of the home which is less than {$200000.00}. 
Ocwen states in Paragraph XXXX line # XXXX : " the market or appraised value of a property does not have any bearing on the terms of a modification, '' Do you not realize that you are setting up your investors for a major loss? I can absolutely assure you and your investors that the appraised/market value will have a great deal of bearing when and if the property goes to auction / short sale. 
Professionals in the real estate business ( XXXX XXXX ) advise me that " no sophisticated buyer '' will pay more than {$150000.00} for this property ; I have provided you documentation in my previous communications in support of this. 
I am offering to take on a new loan modification based on a realistic property value of {$200000.00} and/or an arrangement to stay in the property for $ XXXX {$1500.00} per month. 
Sincerely, XXXX XXXX XXXX XXXX, 2015
Product: Debt collection

XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX/XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my XXXX XXXX XXXX credit report and discovered I have a late payments that was reported on Capital One Card XXXX XXXX XXXX ( 8 ) Late Payments Acct # XXXX and XXXX XXXX XXXX ( 4 ) Late Payments Acct # XXXX. During that time, I had a enrolled Covid-19 Hardship programs which allowed me to make consistent payment of $ 45 monthly in exchange to reduce interest rate of 9 % and freeze spending on both of my cards. Upon completion of this program and when my account in good standing that reporting will be updated. Up on finding out that my account was reported as delinquent & Late payments during this time.
Product: Mortgage

I suffered a severe hardship, I have been XXXX since XX/XX/XXXX. I finally had a hearing for my social security XXXX benefits on XX/XX/XXXX, which the judge approved my case. I contacted my mortgage company the same week and spoke to XXXX and informed him that I had been approved however, I would not receive my approval letter for up to XXXX days per Social Security Administration. XXXX informed me that as long as I keep the lines of communication open I should be ok. I have told the mortgage company almost every month that I have been waiting on Social Security. I fell behind and did not pay XXXX or XXXX payment. I received a letter from First Merit Bank dated XX/XX/XXXX stating that I was in breach of contract and that I need to pay XXXX, XXXX, XXXX and XXXX in order to not face foreclosure. I paid {$800.00} last week and {$1800.00} today XX/XX/XXXX. That is the total due minus XXXX payment. I have been informed of my contract that I signed by many collections agents but when I informed them that I am not yet obligated to pay XXXX payment they keep threatening me because I have not yet paid for XXXX. At this time I feel they are doing something illegal due to the fact that my contract states that my payment is due on the XXXX of each month and not a day before, however, they are trying to squeeze another payment in advance from me and have stated that they will not apply any of the money I have paid to my mortgage, setting me up to be foreclosed on. I have shown good faith by making the past due payment and I just want the threats and harassment to stop. I have health issues and certainly not trying to avoid making a payment. I do have children and XXXX at First Merit uses many threats as I have spoken to her a couple of times. I have asked to speak to XXXX and the team lead refused. I asked XXXX at the bank to give me the total due today minus the XXXX payment and he refused and I called back to speak to XXXX who gave me the amount and yet again he advised me that I am still in breach despite me paying XXXX, XXXX, XXXX mortgage payments and all fees except the XXXX payment. I have applied for modification on XXXX occasions this year and was denied both times due to the amount of income. I have been proactive in contacting the mortgage company however have been received with snide comments and sarcasm. I understand they are in collections but I am reaching out to them and they are rude and callous. The team lead, was the very worst and he was the most rude. First Merit Bank have very limited number of branches in XXXX XXXX, they do not have an online payment system, they are only open Monday-Friday until XXXX thus making it very difficult to make convenient payments or have any questions answered. I have tried to reason with the bank to no avail. I am more than willing to make all payments that I am obligated to make, but I am looking for some reprieve because I am doing the very best that I can and will continue to make the payments and get completely caught up once I start receiving regular payments from the Social Security Administration.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX XXXX XXXX  account number XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2022, Transunion has violated my consumer rights. I have written an AFFIDAVIT of Truth stating the facts. The laws that have been broken are with the facts. C.F.P.B I have attached the documents.
Product: Debt collection

This account was paid by me even though I was not provided any proof that I owed the debt and then they placed a statement on my credit file that is not true. " Paying under a partial payment agreement '' This statement is not true. I asked them to provide me the name and address the doctors, the date and type of medical care, and to who the medical care was provided. I also want to know who is providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. Also, my insurance company told me they paid the whole amount of the debt. They have violated the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

YALE MORTGAGE does not report to any of the 3 bureau 's reports of an active, convential loan, home mortgages! 
Mine since XXXX, current through XXXX? 
Payments timely since XXXX? 
Yet I have no real estate mortgage info in report by them .... 
My current credit score may or may not be 'current ' as a result? 
XXXX MORTGAGE, XXXX, FL, should be reporting all current and past due mortgage transactions, obligations?
Product: Credit reporting or other personal consumer reports

Experian, & XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my report. My address is XXXX XXXX XXXX  XXXX GA XXXX there should be no other addresses on my report. There are several addresses reporting that are non mailable and should be deleted. The Employer XXXX should also be deleted.
Product: Credit reporting

Payment was made to XXXX XXXX XXXX XXXX have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at one time, XXXX gave me a credit of 5 % on the total bill. XXXX from XXXX to XXXX XXXX Received notice from collection services XXXX weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary XXXX no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.
Product: Student loan

When I graduated from XXXX XXXX inXX/XX/XXXX with a XXXX XXXX XXXX Degree, I as advised by my loan servicer ( not sure if it was Navient at the time ), I did not have to repay loans because I was still a student. At this time, I enrolled in and was accepted into a graduate program at XXXX XXXX. No customer service representative ever offered any advice on repaying the loan, loan forgiveness or interest accruing as the result of non-payment. At this time, my outstanding loan balance was approximately 10-12k.

Upon graduating with a XXXX Degree from XXXX XXXX in XX/XX/XXXX, I began paying student loans with standard repayment plan of approximately $ 200-225 per month. At this time, by outstanding balance and repayment amount stood around 40k ( 10-12 for undergraduate, XXXX for graduate tuition and the remaining in interest ).

After approximately two years of payments, I suffered a financial difficulty and began paying sporadically, but bringing my account current when I could make the past due amounts. I was contacted by Navient and offered forbearance, which eliminated my payments on a year-to-year basis, provided I reapplied every summer with my tax return. Each year, a customer service representative informed me I qualified for a XXXX-dollar repayment plan. No customer service representative ever offered a low-dollar income-based repayment plan. My profession at the time involved XXXX XXXX where I later found out paying consistently for ten years, at my original payment ( 200-225 per month ) would have eliminated my remaining loan balance. Therefore, paying {$200.00} per month for ten years, would have paid back close to 24k of the loan.

As of today, XX/XX/XXXX, .my outstanding student loan balance repayment is {$67000.00}. My current minimum balance due sits at {$640.00}. My account sat in forbearance until XX/XX/XXXX, when I started making minimum payments once again to Navient. When I began making minimum payments in XX/XX/XXXX my outstanding loan sat at around {$68000.00}. To date, I made six payments totaling {$3900.00}, to reduce my loan balance less than {$1000.00}. I pay on four different loans, two subsidized and two unsubsidized.

Due to Navients predatory lending practices, I am less marketable as a consumer because my credit score is affected by my inability to pay at certain times, when best customer service practice suggests I should have been steered towards loan forgiveness based upon my employment in XXXX XXXX. Had Navient followed proper channels, I would be year nine of ten in my loan forgiveness program. Second, I recently attempted to refinance my home but was denied citing specifically my outstanding student loans destroyed my debit to income ratio. Therefore, due to Navients negligence, I can not position myself as a consumer and single-father of XXXX  boys to most cost-effectively provide for my family.
Product: Debt collection

I have disputed the debt with XXXX Credit reporting agency several times. Ive submitted police reports, ftc complaints, and all other required documentation to proove the negative closed account Comenity Capital XXXX and the collection account Innovative XXXX XXXX are not mine. 

XXXX continues to report fraudulent Accounts onto my credit profile. These accounts do not belong to me. I have informed them of the following I have not supplied proof under the doctrine estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

This debt has previously been attempted to be collected. I have filed two complaints with CFPB regarding their credit reporting tactics. This has popped up on my credit as a collection when it has been communicated to me that it would not be. This needs to be removed due to the misleading and dishonest collection tactics. Attached are copies of the previous complaints for the same exact reason, which was remedied in my favor. Please remove the collections from all credit bureaus and cease further reporting in the future! 

This should not have been reported to the bureaus and needs to be removed IMMEDIATELY just as the previous collector determined was the appropriate thing to do. XXXX  is in violation of XXXX. XXXX. Code 1788.14 andSection 605 ( a ) ( a ) of the federal Fair Credit Reporting Act ( 15U.S.C. Sec. 1681c ).
Product: Credit reporting or other personal consumer reports

The information used was incorrect and was not removed from report and has affected future policies from databases and opt out of these inquiries
Product: Debt collection

CREDIT MANAGEMENT LP {$290.00} In collections by XXXX XXXX I have documentation that I do not owe this amount to XXXX, I owed {$82.00}. This amount is highly fabricated, and highly inaccurate. 

This account needs to show that it has already been taken care of.
Product: Debt collection

On XX/XX/XXXX, a credit monitor company informed me that XXXX XXXX made a hard inquiry into my credit. I promptly called to alert them that I did not seek cable from their company. I have lived in a multi-dwelling unit for >10 years that contracts exclusively with XXXX XXXX. XXXX   deemed the inquiry valid for " promotional purposes. '' XXXX required that I send a form with all my personal and sensitive information through the mail to resolve the issue. Beginning in XX/XX/XXXX/XX/XX/XXXX, DIVERSIFIED CONSULTANTS INC ( XXXX ) began calling my home repeatedly until I asked them to stop calling. They never said what the call was concerning just a " personal business matter '' neither was there anything received via U.S. Mail. The result is now a bogus {$1000.00} delinquent charges from XXXX for 'unpaid bills since XX/XX/XXXX ' per XXXX XXXX for address XXXX XXXX XXXX , XXXX XXXX, XXXX ' . I promptly informed them that I never lived at that address. XXXX XXXX said the company would remove the charge from my credit. The bogus amount is now on all three of my credit reports! This could have been avoided had XXXX and XXXX applied due diligence to verify address and information a year ago. XXXX should have know the property was not one of its clients!
Product: Checking or savings account

I have requested a legal name change and they are refusing to abide by the court order submitted to update the account.
Product: Debt collection

Ca n't remember but said it 's been owed since 1999 to Automotive Credit Corporation
Product: Debt collection

The company uses an automated dialing system with recorded messages. The message does not identify who is calling or the nature of the call but states the message is for someone I don't know and further states to hang-up if you are not that person which I did the first time they called. This did not remove me from their system as they called back several times. I called the number back to in an effort to have my number removed however the person who answered hung-up on me when asked for their business address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax reporting agency as well as XXXX XXXX reporting agency in regards to several inquiries that are Invalid. I have reached out to Equifax and successfully gotten these invalid increase delete it from my Credit report. Upon contacting Equifax and XXXX XXXX they consistently attest that these inquiries are accurate and will not be removed until said date.
Product: Mortgage

The payment I made on XXXX first was not logged as a payment, and not applied to my loan balance. It was applied as cash receipt and categorized as unapplied. This allowed undue interest to accrue and falsely categorized my account as past due. The company demanded an additional full payment that I did not owe to " bring my account back into balance, '' despite the fact I set up autopay to pay half the payment every XXXX XXXX 

I have provided evidence that BSI did not process my XXXX payment as required by law, and never applied the funds to my balances. BSI showed on my account that they would not process my XX/XX/XXXX XXXX autopay and demanded an entire additional mortgage payment to bring my account back to current after taking my payment and refusing to apply it.

After the additional one time payment I made was processed, BSI took an extra payment on XX/XX/XXXX that I did not authorize for the amount of {$1200.00}. This is the amount that I initially set up for autopay but BSI refused to process, choosing instead to skip to the XX/XX/XXXX payment. 

In taking this payment without my consent, they overdrew my bank account and made my balance negative. BSI falsely put my current account in past due status, lied about the payments they were taking, and demanded payments they were not owed. Most egregiously, they stole more than {$1200.00}.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I recently took notice of my credit report having inquiries on my credit report that I did not authorize. According to 15 U.S. Code 1681c2 ( b ), a consumer reporting agency shall promptly notify the furnisher of information identified by the consumer that the information may be a result of identity theft. 

To XXXX, the following inquires were not authorized : XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX To TransUnion, the following inquiries were not authorized : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to an adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XXXX credit card charged me an annual fee as of XX/XX/XXXX I closed the account on XX/XX/XXXX and they refuse to prorate the amount of {$96.00} along with a monthly fee of {$10.00}. However I do not use this card and was told that {$100.00} is due on XX/XX/XXXX and if I dont pay it, itll go on my credit. Which is ridiculous that I have to pay an annual fee which is yearly if I dont have the account anymore. Could you please assist?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I am trying to receive a loan through my lender, but they are only able to pull my information through XXXX and XXXX, however, Equifax is not cooperating. I am closing on a house next week ( XX/XX/XXXX ) when I was originally supposed to close on the house on the XXXX, and the only thing that is stopping me is Equifax. I called Equifax on XX/XX/XXXX and I was told to fax a copy of my Social Security Card and ID to ( XXXX ) and I did that same day. The following day ( XX/XX/XXXX ), I called again which I escalated things to a supervisor and he advised me that they were not accepting fax 's since XX/XX/XXXX and I could only mail my information which I overnighted on ( XX/XX/XXXX ). I have faxed very important personal information to some random fax and I do not know what to do with that flying piece of information. I was so desperate for help and guidance that I reached out to Equifax on XXXX, which they responded that I was going to receive help within two days and I later received an email asking me for lots of personal information again. My case number is ( Case # XXXX : Social Media Case ) and I have not received any information since yesterday. Please, I am in desperate need of help and the only thing stopping me is Equifax. I am doing everything I can in my control to settle things, but Equifax is not cooperating. I have called an average of 4 times since XX/XX/XXXX and have spent over 10 hours on the phone trying to resolve my problem but there is no easy way. Please help.