23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I am writing regarding my mortgage loan which is serviced by Nationstar. There has been much discrepancy on who is the owner of my mortgage and if the mortgage was bundled legally, within the required time period, when it was sold. 
Because Nationstar could not or would not answer these concerns, a securitization audit was done on my account. The securitization audit revealed that the bundling of my loan was not done legally, and in the required time period. After obtaining this information, I sent the necessary documents for the rescission of my contract with Nationstar MortgageI will be attaching documents which explore these complaints more fully. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which Experian wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX**
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The banking institution is XXXX Bank, I was approved by the bank for a HELOC loan in XXXX of XXXX. I took a distribution ( XXXX : XXXX ) in XXXX of XXXX with a variable interest rate. I have no problem with that transaction because all went as I understood and agreed. On XX/XX/XXXX, I took another distribution XXXX XXXX : XXXX ), also with a variable rate. That transaction and resulting payment is what I have the dispute with. Also, I have a concern with the application of reduced prime rates in XX/XX/XXXX to both loans. On the phone with the loan officer at the branch, my understanding of the loan amount to be paid on the outstanding balance which included both loans was {$920.00} per month. The payment charged was {$1000.00}, {$160.00} more than what I understood the payment to be from that conversation and to what I agreed. 
The bank is saying the {$920.00} was for the first draw and that portion of the second draw which is subject to the interest rate for the remaining days of the month and not for the entirety of both loans. At the time of the phone conversation/authorization this wasnt my understanding. And, I understand the payments would adjust as they are variable and tied to the prime rate. However, this difference isnt due to the variability of the rate but to the difference in the calculated loan amount and the rate as applied to that amount. 
I have spoken with my case worker assigned to my case by the XXXX XXXX ( XXXX ). She is from whom I got the banks position and information. She is who said that they, ( the bank ) had reviewed/ listened to the transcripts. When I asked her for the transcripts so that I would be able to listen/ review them to hear or read the conversation for myself so that I might be able to support my position, she said that I would have to subpoena the records. I would like you to assist me with this process. Also, I want to know if the bank has charged me the correct amount of interest regarding the lowering of the prime rate by the FED twice in XXXX : XX/XX/XXXX XXXX %. XXXX %. My loans are XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Experian collects all our financial information, and since Experian is unable to protect our data, I've put a credit freeze on my account. Experian makes it IMPOSSIBLE to work with that freeze. There is NO WAY to talk to a human about unfreezing your account. When going through their phone service, even the number sent out telling people they can freeze/unfreeze their accounts, there are only two options Get credit report/report an issue. Then they hang up on you. 

You have to spend time doing a web search to find the correct web address to get to an unfreeze page. When you go through the page you end up being told to MAIL THEM THE UNFREEZE REQUEST. 

Imagine trying to get credit. 'Sorry, I have to go home and write a letter to Experian , estimate how long the letter will take to arrive, then come back here in that open window to apply for credit. ' If they worked the same way with banks they would be out of business within a few months. 

If a credit company is unable to 1 ) protect our data, and 2 ) unable to work in a modern world, they SHOULD BE SHUT DOWN. 

XXXX, I have to make THIS SAME COMPLAINT every two years. Why is Experian still allowed to operate.
Product: Debt collection

I paid the debt on XX/XX/XXXX and received an email from the company. I am waiting on a Satisfaction of Judgement to be filed. It is now XX/XX/XXXX and I have called several times and left messages each time for the representative XXXX and have not received a call back. I want a satisfaction of judgement to be filed within a reasonable amount of time. I settled with the collector for under what I owed but I paid them so it doesnt matter the amount.
Product: Student loan

Long story that dates from XXXX XX/XX/XXXX I am a XXXX  in XXXX . After XXXX  years of XXXX  at a XXXX XXXX XXXX, XXXX  can fill out the XXXX Loan Forgiveness Application. I have been a XXXX  for XXXX  years ( and counting ) at my amazing qualifying  XXXX. 

I filled out the application as normal and it was rejected due to my name change. This is understandable. I sent in proof of my new name and thought everything was all clear. 

My application was not accepted AGAIN, but I was not informed. I called Nelnet ( XXXX hour wait time which is hard for anyone ) and talked to XXXX person that says now the date is incorrect and where the application asked for the years of employment ( from____-to____ ), there should be a date on " to ''. I stated " If you fill out a job application and they ask about your employment history you would say " current '' if you still worked there correct? '' Once stated, the representatives would agree but escalate me to someone hire up because I had been told all I needed to do was change. 

XXXX ( Supervisor Solution Specialist ) said that date was not the issue the letter was rejecting the forbearance which I was not asking for an extension for. They said they have received the application and it would take XXXX  days to process from when they received the application. They received it on XX/XX/XXXX meaning that XX/XX/XXXX it is XXXX days. Now she says the name change is affecting this. The name change is effective XXXX. So XXXX from XX/XX/XXXX ok sounds good. I asked " could I get proof? '' She could not give me proof so I asked to speak with someone who could. 

XXXX ( Support Specialists ) understood the issue and said I was correct and tried to create a letter so I would have proof that my application has been accepted but they can't create " proof '' ( How convenient ). 

I was sent a letter saying my application can not be processed AGAIN. Because of the date I thought this was a from the XXXX other hour long conversations I had had with the company and it could not be from the recent conversation with XXXX, they told me I was good to go. 

It is now XX/XX/XXXX and they are giving me XXXX additional reasons why my application was not accepted. Interest has accrued with no " reimbursement '' in sight. 

I can't do anything about this at this point. If someone would have simple told me what to " fix '' in XXXX I would have followed the directions. Every time I call there is a new reason. I feel am getting the run around as a apart of a way to hold me hostage to Nelnet. 

I have made the appropriate adjustments to the new standards. My hope is the work I have done in the XXXX  is appreciated. 

If I could I would move my loans but I can not. 

Thank you for reading -XXXX  : )
Product: Money transfer, virtual currency, or money service

I'm new to venmo. I had someone send me money and venmo froze my account. I understood and submitted my driver 's license as they requested. 

The same person was going to send money again and I paused and called venmo to make sure my account was good to receive. They said YES my account is perfect to send or receive money. 

Right when the same person from before went to send money, my account my frozen again!!! I spoke to multiple supervisors who promised me that it would be taken care of within XXXX hours and that did not happen. 

I have been lied to multiple times by supervisors, XXXX XXXX. And XXXX.
Product: Mortgage

XXXX, XXXX, XXXX : Please refer to Affidavit of Demand for Verification of Debt Uploaded here in CFPB. 
On XX/XX/2024 AMERIHOME MORTGAGE COMPANY , LLC were sent by way of USPS Certified Mail containing an Affidavit of Demand for Verification of Debt, but have Dishonored my wishes. 

Authorities, Maxims of Law : 1. IN COMMERCE FOR A MATTER TO BE RESOLVED MUST BE EXPRESSED.

2. ALL ARE EQUAL UNDER THE LAW.

3. IN COMMERCE TRUTH IS SOVEREIGN.

4. TRUTH IS EXPRESSED IN THE FORM OF AN AFFIDAVIT.

5. AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE.

6. AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGEMENT IN COMMERCE.

7. Legal Maxim : He who does not deny, admits.

8. Legal Maxim : A claim not contested stands true.

9. Legal Maxim : A claim brought in law that is not contested or rebutted, then stands true. Hence silence to a controversy is considered consent to any judgement.

Also see : Title 18 USC 876, 872, 875, 1341, 1346 ....
Product: Debt collection

On XXXX XXXX I received a debt collection letter from credit management , LP with the attempt to collect a debt in the amount of {$780.00} stating that I owe XXXX XXXX I was given until XXXX the XXXX XXXX to call or write to dispute the debt thereof and that credit management , LP ( " Must stop collection on any amount I dispute until they send me information that shows I owe the debt. '' ) On XXXX XXXX I sent a handwritten dispute letter requesting for validation of this debt.I sent it certified mail. Never received a response from this company. Today XX/XX/2022 I received a credit confirmation concerning negative remarks on my credit report. I contact the company credit management , LP to inform them that they did not send me the requested information did I inquired about in my dispute letter or any legal factual information that says I owe this debt. And that they took it among themselves to assume that the information they had was correct without providing me adequate validation with strip me of my consumer rights
Product: Bank account or service

The following summarizes my issue with PNC Banks policy, and their refusal to properly rectify the consequence of their mistake. 

On XXXX XXXX, 2014 I placed a currency exchange order for XXXX XXXX 's at the PNC bank located at XXXX XXXX XXXX in XXXX XXXX, Mi. This transaction is XXXX # XXXX. Subsequently, I picked up the money and engaged in a conversation with a bank associate about returning unused monies. At that time I was told that I could return paper money, but that they would not accept coin. 

On XXXX XXXX I went to the bank to return XXXX paper XXXX for approx. $ 35-40 U.S. At that time the bank associate made a telephone call to determine the exchange rate on the currency. After that call she informed me that the bank had a policy of not exchanging XXXX with a value of less than {$100.00} U.S. In response, I told this associate that I inquired about returning XXXX when I picked it up, and no one told me about this requirement. I certainly could have brought back the required amount if I had known about it, and I told her that the bank was negligent in not informing me about this. I felt that they made an error, and want me to suffer the consequences of their oversight. The bank associate told me that she would discuss the matter with bank management, and someone would get back with me. 

On XXXX XXXX I received a call from someone at the bank who identified himself as " XXXX ''. He told me that he checked out my exchange issue, and found that PNC had a policy of not exchanging XXXX with a value of less than {$100.00} U.S., and they could not make exceptions to this policy. I asked him why the bank did not inform me about this when I inquired. He apologized, and it appeared to me that local bank personnel did n't know about this policy. When I asked XXXX about the reason for this requirement he stated, " efficiency 's of scale ''. I pointed out to XXXX that the bank had a XXXX opportunity to make this requirement known to me in written communications, but missed that chance also. As a result of my order, I was given a written record of the transaction entitled " PNC Foreign Exchange Services ''. This document should have defined the return exchange requirement, but failed to do so. I told XXXX that I viewed this failure as additional negligence on the part of the bank. 

XXXX was firm in his position that the bank would not exchange the XXXX for me, and he suggested that I try to get it exchanged at the airport. I told XXXX in response that I have been a member of PNC and it 's acquired banks for almost 50 years, and I would like to believe I could count on my bank for this service.
Product: Checking or savings account

On XX/XX/2020, {$500.00} was taken out of my savings account unauthorized. When I went into bank to find out why, I was told this was due to fee for Navy Federal Appraisal fee. However the appraisal fee was taken out off my credit card last month. After explaining this, I was then told to email XXXX I noted this email as urgent.

PS- I canceled the appraisal a week ago due to being talked to like a child after being with the company for 7 years serving in the military. Now they are taking money out of my savings authorized. I would appreciate assistance in this urgent matter as soon as possible.
Product: Credit reporting or other personal consumer reports

The following is a list of inquiries that were authorized without my consent, using my personal information to open accounts fraudulent. The inquiries in question are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is XXXX.
Product: Debt collection

Company name is called Penn credit corporation sent out disputes letter and debt validation letter for proof no response
Product: Credit reporting or other personal consumer reports

Equifax is not complying by reporting related credit accounts onto my consumer report. This is causing me harm and denial for credit which is my right granted to me. 

I have contacted several of my creditors who state that they are actively reporting my accounts correctly that I should contact Equifax. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

Checked my credit report on XX/XX/XXXX. I noticed XXXX inquires on my credit report that I did not authorize. I've called, XXXX XXXX at XXXX pulled XX/XX/XXXX, Credit XXXX bank at XXXX pulled XX/XX/XXXX, Transunion XXXX XXXX at XXXX, XXXX Bank XXXX at XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX pulled on XX/XX/XXXX, Search XXXX XXXX XXXX XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX  at XXXX pulled on XX/XX/XXXX with no resolve. I'm requesting to have these be deleted from my credit profile. All other inquires are mine. 

I've contacted XXXX XXXX XXXX  several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX to remove late payments on my credit report. I was no late on any payments. All payments paid on time. Now XXXX XXXX XXXX  only accepts payments via XXXX XXXX of which I paid my account on time.
Product: Mortgage

The lender was provided a loan modification package on XX/XX/XXXX- was advised on XX/XX/XXXX that they received the package on XXXX and XXXX SPOC XXXX was reviewing the file - then on XX/XX/XXXX we were rudely hung up on when the rep XXXX advised that they did not have our 3rd party auth - called back and spoke to XXXX and he was able to locate the authorization, but then advised a new package was needed due to a delay in documents - which we were never advised were needed. The lender has missed deadlines due to the lack of review on this file and now the client is facing a sale date of XXXX/XXXX/XXXX because the lender did not review the file in a timely manor.
Product: Credit reporting or other personal consumer reports

Third Federal bank is incorrectly reporting to credit bureaus that my mortgage payment is 30 days past due. As of this complaint, Third Federal bank has not yet acknowledged, in writing, that all required supplemental and regular mortgage payments were fully paid each month as agreed from XX/XX/XXXX to XX/XX/XXXX ; See included letter dated XX/XX/XXXX. Please also see the uncanny letter received today, via postal mail dated XX/XX/XXXX ; The letter apparently ignored the arrangements made with the XX/XX/XXXX letter. Your assistance with helping me resolve the incorrect credit reporting will be appreciated.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Prepaid card

On XXXX/XXXX/15 I purchased XXXX Reload-IT cards from XXXX with values of {$500.00}, {$500.00}, and {$310.00}. 

On XXXX/XXXX/15 I purchased XXXX Reload-IT card from XXXX with the value of {$300.00} On XXXX/XXXX/15 I added all of the Reload-IT cards to my Reload-IT wallet, at https : //reloadit.com/ using my userID XXXXXXXXXXXX. Later in the day on XXXX/XXXX/15 I attempted to login to my Reload-IT wallet at https : //reloadit.com/ and received this message " Your Safe has been blocked. Please call XXXX XXXX XXXX XXXX ''. Upon calling the XXXX number, I was told that my online wallet was locked, and that I needed to send in proof of purchase for the XXXX Reload-IT cards before I would have access to my balance. I submitted all of the required documentation XXXX/XXXX/15, including original copies of the receipts, scratched off reload-it cards, my drivers license, and a copy of a bill to prove my address. 

On or about XXXX/XXXX/15 Reload-IT told me that my funds would not be accessible with no additional reasoning. 

I am out {$1600.00} that they locked in my account with no explanation.
Product: Credit reporting or other personal consumer reports

Subject : Request for Verification of Incorrect Late Payment XX/XX/year>. 

Dear Experian, I am writing to formally request all information used by your bureau to verify the inaccurate late payment reported on my credit file related to XXXX XXXX XXXX  ( XXXX ). Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, any unverified and inaccurate information must be removed immediately. 

Please provide me with all details your office utilized to verify this incorrect late payment, including, but not limited to, information from public record websites or any third-party vendors involved in this verification process. Specifically, I would like the following information : - Names of the companies involved - Addresses of these companies - Phone numbers- Websites of the third-party vendors Failure to comply with this request to produce evidence of XXXX XXXX XXXX removal request, I will expect this account to be updated as paid as agreed. If necessary, to instruct my legal team to file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of Florida. We may also pursue any further legal actions deemed necessary, including civil and punitive damages. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX