23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I originally requested validation of debt, including all supporting documentation required under Federal Law, in a letter sent to XXXX XXXX, on XX/XX/year>, via certified mail return receipt. I did not receive all of the items requested and required from this letter as of today XX/XX/year>. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692 ( g ), states all the items that MUST be validated in completeness, to verify this alleged debt in a 30 day time frame, which is required by law. It has been more than 140 days of noncompliance since my request, while still reporting to my credit file via the three major credit reporting agencies. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 US.C. 1692g ( b ) & the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), continuing to report alleged debt without proper validation is a violation. Providing ONLY an alleged copy of original creditors loan agreement without any other supporting details attached DOES NOT qualify as proper validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 40 days ago I submitted despite letters to these companies and they hvawnt given me any update nor have they responded to my complaint. These combine are in serious violation on congress law with their unlawful reporting on my credit report. Specifically they are violating U.S.C. Section 1692g and U.S.C. Section 1601. These have to be resolved as soon as possible. There is no reason why I should be suffering, still, for these inaccurate accounts reporting on my credit report. Please assist me in clearing my credit report up as soon as possible.
Product: Mortgage

Hello, We were approved for a loan modification, we did trial payments and what ever was requested this all occurred in XXXX. Loan modification documents to finalize were sent to our home in XX/XX/2019. We never received so I contacted Ocwen early XX/XX/2019 and advised us would have a packet remailed. We did receive them and signed and returned. I did fail not to register agreement, sent through regular mail. I attempted to make my payment on XXXX and payment could not go through. Contacted Ocwen and was advised my loan modification was denied because signed documents were never received, I was also advised to provide a tracking # in which I do not have because I did not register documents. Was advised had to submit all paperwork over again and had to wait to see what outcome is! Meanwhile I have a default notice. I am asking for your assistance, I think its unfair in how our situation is being handled. It also makes no sense! We have struggled so much to keep our house and just need help so that this gets resolved. Can someone please please get back to me? I am afraid my home can go into foreclosure and we dont want to loose our home. I appreciate the time you are taking in reading my email and hope to hear from someone soon!
Product: Money transfer, virtual currency, or money service

PayPal and several other companies have no customer service number today and rely heavily on technology. What a way to run a business and a lot of companies run a business like that these days. I can not get into my old PayPal account that I have not accessed in several yrs because I don't have the same phone number or information as i did 10 to 12 yrs ago. They ask me for my email address and than for my old phone number. What if whoever bought my old phone number could hack my stuff and do what ever they wanted. It creates an open door for identity theft. Is there laws or any statute of limitations as to how long a digital company can keep your accounts open. I have a XXXX account that's several yrs old and I can't log in to delete it and I don't want my pictures or my face out there and I feel stuck. And I have XXXX asking me for to verify a 12 yr old PayPal account. I can't go back that far and I won't. I can't even list anything on XXXX because of it. Privacy issues with expired information of several yrs can be an open door for hackers and identity thrives. MAIN complaint consumers can't access old accounts with out the same phone number or email.
Product: Credit reporting

I have a address on my report and I have never lived in XXXX ca
Product: Mortgage

Citimortgage processes partial payments in a manner that is harmful to consumers, who never have a say in who their mortgage servicer is. In my case, they bought my mortgage from my original servicer, so I am stuck with their harmful practices. 

Citimortgage does not apply partial payments to an outstanding monthly payment. Instead, they apply a partial payment as an additional principal payment. It is common for US workers to get paid twice a month. Therefore, it is logical that someone like myself to pay half of his or her mortgage payment from each paycheck. Because Citimortgage applies each of my 1/2 mortgage payments as an additional principal even when the monthly balance is still due, I have to manually call in every month to have them fix the account. If I don't make the call, they send a derogatory note to credit reporting companies or a report other than " on time '' such as " we worked this out '', which appears to impact credit scores. 

Since Citimortgage is a financial institution, they should know how to apply payments toward debts. All financial institutions should be required to apply payments to outstanding monthly balances first. Only once the monthly payment is satisfied should any additional amounts be applied as extra. For example, consider the scenario where I borrow {$100.00} from you, and we have an agreement that I'll pay that back over 2 months as {$50.00} each month. In other words, I owe you {$50.00} in 30 days, and another {$50.00} 30 days after that. If 15 days from now I give you {$30.00}, you would know that I still owe you another {$20.00} to fulfill my $ XXXX monthly payment. You would also consider my outstanding balance to be {$70.00} now. If I give you the remaining {$20.00} 15 days after that, you would acknowledge that I met my $ XXXX monthly obligation. In fact, you would probably be thrilled to get the first {$30.00} well in advance of when the first payment is due! 

This simple logic escapes Citimortgage. Their practice of applying partial payments as an additional payment even when there is an outstanding monthly payment due is unnecessarily harmful to customers ' credit worthiness and potentially to the ownership of their home. 

When I pointed this out to Citimortgage, I was told simply that they do not have a semi-monthly payment plan. However, a payment plan isn't needed. Basic logic and common sense is all that is required.
Product: Student loan

Hello- I'm writing to express my sincere concern that the U.S. Department of Education contract with Nelnet , student loan servicing company. This company is bewideringly opaque around application of payments to interest vs principle across different subloans ( which one can not access except by special request -- and usually very long phone calls ). Astoundingly, the company do not post the current loan balances ( principles ) on their website, unlike other loan or mortgage company -- making trying to determine remaining principle time consuming and challenging. Similarly, trying to understand end dates for repayment is nigh impossible. 

I just spent XXXX hours on the phone trying to understand why none of my {$1300.00} per month payment was applied to principle for 15 months, whereas previously over the prior several years about half was applied to interest and half to principle. The first call started with being put on hold for XXXX minutes and ended with me being hung up on after I ( very politely ) tried to understand the confusing explanation ( I don't think she actually knew ). The second call lasted XXXX minutes with about half the time on hold before I was transferred to a manager who appeared to have a better understanding but was still not able to actually answer my question, rather repeating that it was due to the company 's automated algorithm that was designed to benefit the consumer. Unlikely. 

For a company of Netnet 's size, the only plausible explanation for their lack of transparency is financial incentive. Which, I don't need to point out, comes at the expense of the consumer. Luckily, I'm reasonably financially stable and can somewhat navigate the complexities of the Netnet ecosystem, so not extremely important personally. But, frankly, I'm appalled when I consider the large number of consumers that have more limited finances or have difficulty understanding the Netnet system. A quick scan of internet reaffirms the highly irregular nature of this company although, again, concerningly, the other government contracted student loan servicing companies have similarly poor reputations. 

Given student loans are an integral part of the education system in this country, the fact that our federal government contract and indirectly condone such egregious companies is breathtaking. A meaningful investigation into these practices is past due.
Product: Mortgage

I have tried for 4 times to request a loan modification with XXXX XXXX XXXX, XXXX XXXX and 2 times with Select Portfolio Servicing and have been unsuccessful since 2009. I 've tried to resolve this matter and I beg for you for a fresh start and a mortgage payment that is affordable so we can continue to live the american dream to own your own home. I feel that the Mortgage companies have discouraged me to continue to fight to resolve this matter and have been difficult to deal with because no resolution has ever become of the 4 attempts of my loan modification. I am now at my wits end and do n't know what else to do to save my house. Please help me to resolve this issue with a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX SSN XXXX, DOB XXXX/XXXX/XXXX. There are about 40-50 inquiries on my credit report if not more that I DID NOT authorized, i contacted the creditors and they told me to deal with Experian which to this day all they say is inquiries are valid without even investigation, I noticed all of these inquiries appearing after the data breach, and I need to have all inquiries removed right away. I did n't authorized the inquiries and they were not made by me, I am only supposed to have like 2-3 inquiries. I 'm not sure if Experian has have any hacks or anything but they are not mine, I do not want to hear a resolution saying that the inquiries are going to stay and that they are valid, ACTUALLY INVESTIGATE AND REMOVE ALL INQUIRIES.
Product: Debt collection

I sent a check to pay off the debt for about XXXX . The money was even cleared from my bank account shortly after I sent the check and I am still being charged. It 's only a {$32.00} debt, if I had n't already paid it then it would not be an issue. However I already took care of this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres been many letters sent out every month for the entire year including last year it was regarding name and credit error, I have every certified tracking information to prove that even if decided to now sue for creation of damages since am unable to purchase a place to live during this pandemic which nobody seems to give a XXXX  ( yes, now i'm being transparent, tired of the XXXX  ) cause the one am disputing with not going through what am experiencing with my credit report, then you'd understand. 

ADDRESSED : XXXX  been asked several times to remove the current name being reported which is not my name, EVEN sent in my social security card all year around. Lets be XXXX clear I'm a XXXX XXXX NOT A XXXX RESIDENT , lets get this XXXX  together. USE THE SOCIAL SECURITY CARD PROVIDED TO CORRECT the INFO and HAVE THIS TRANSFERRED TO THE SENIOR MANAGER if no one knows how to do the job correctly and IMMEDIATELY TO BETTER MY LIVING SITUATION. Speed up the investigation process under 15 days, waited long enough to have the XXXX   corrected. 

ADDRESSED : XXXX  I've also asked you to remove the incorrect addresses, employment, inaccurate XXXX  XXXX XXXX account OFF MY CREDIT REPORT all year around also just like Experian did delete the inaccurate information listed as stated, make sure this is a speeded process under 15 days ADDRESSED : EXPERIAN once again for the 11th time, correct the late payments on the XXXX XXXX  XXXX, ASAP I've never been late on neither one of my accounts even during the pandemic fix these errors now
Product: Mortgage

My mortgage was serviced by LenderLive. I was current on the loan as of XXXX XXXX but I was out of work and using savings to pay. I agreed to a forbearance plan with LenderLive in XXXX XXXX. I explained that I need a security clearance to get work and therefore needed to avoid any negative credit reporting for the mortgage. They told me that they would not do negative credit reporting while I was on the forbearance plan. 

The forbearance plan was supposed to last for six months, until XXXX XXXX, XXXX. At that point I would enter into a repayment agreement with LenderLive according to the plan. Instead, LenderLive reported on my credit as if I was missing payments during the forbearance plan. I noticed the negative reporting in XXXX XXXX. I was looking at my credit because I was going up for security clearance for a job. When I called LenderLive about it they refused to fix the credit reporting. They had previously been ridiculously rude to me over the phone -- they even insulted me for being a XXXX veteran. 

In XXXX XXXX LenderLive transferred my loan to XXXX. XXXX did not have any information about the forbearance plan. As far as they were concerned, I was six months behind on my mortgage. After the transfer, LenderLive refused to talk to me about the issue or to fix it. They just directed me to XXXX. XXXX did n't have the records and did n't know what I was talking about. 

I want LenderLive to correct the information reported on my credit to reflect that I was on a forbearance plan and was not responsible for the payments from XXXX XXXX through XXXX XXXX. Therefore I should not have missed payments recorded for those dates. I would also like an apology for their insults of my status as a XXXX veteran.
Product: Student loan

My federal student loans were transferred to FedLoanServicing ( FLS ) from XXXX on XX/XX/2016. FLS contacted me on XX/XX/2016 to tell me they had my loan. I set up my account XX/XX/2016, and submitted recalculation paperwork the same day using the " paperless dropbox '' on their website. 
On XX/XX/2016 they informed me they had recalculated my loan and my monthly payment amount would be {$420.00} on a monthly AGI of {$1400.00}. I 'm in the PSLF program, and my payment should be 15 % of my income, less 150 % of the poverty level ( for 2 people ), and I calculate my payment should be {$170.00} per month. 
I called back on XX/XX/2016 and spoke with XXXX who said he saw the discrepancy, and would send my back loan for recalculation. I called back on XXXX and spoke to XXXX who said that they calculated it based on my gross income because they " were not tax experts '' and could not figure out my AGI. 
The deductions on my paycheck are clearly listed, and my AGI is listed as " ADJ EARNINGS ''. XXXX refused to recognize that this was my adjusted gross income, and said they would require a letter from my employer to calculate my payment. She repeatedly said she was " not a tax expert '' and would not transfer me to a manager. 
In the meantime, they expect me to pay {$420.00} on XX/XX/2016, when my payment should be {$170.00}.
Product: Debt collection

I get calls for a XXXX XXXX and that 's not me. I have told them numerous time but they continue to call. The calls start at XXXX and continue through out the day.
Product: Checking or savings account

XX/XX/2020 my XXXX and XXXX XXXX ( {$780.00}, XXXX {$87.00} NY XXXX ) was deposited into my HSBC checking account by direct deposit. They have told me on numerous occasions they account was in process of closing and then closed, depending on whom you speak with in the fraud department it is in different stage. On different occasions they have told me that a check was mailed ( 5 times ), in fact a check was never mailed. They are holding my government funds that have nothing to do with another problem with account. At their request I submitted proof 2 times to their efraudprevention email. I have been on the phone with them practically everyday. I also spoke with XXXX XXXX at their XXXX XXXX XXXX branch, she is the Vice President ( XXXX ). I spoke with a XXXX XXXX at XXXX for XXXX XXXX, I also spoke with a XXXX  ( unknown position ) at XXXX, she works out of headquarters in XXXX, New York. I have spoke with a multitude of people in the fraud department. I am in desperate need of this small amount of money that I live on sparsely.
Product: Money transfers

1. 
Money transfers to the XXXX of XXXX has only XXXX option for collecting - XXXX $ $ $ currency only. 
2. 
The rate of exchange has been discounted therefore the recipients are not receiving the correct amount in local cureency based on the current exchange rate3. 
Western union is collecting earned income based on gain received from the discounted rate paid to recipients vs. exchange rates set by XXXX XXXX XXXX4. 
western Union charges a fee for each transfers in addition to discounting the exchange rate. 
5. 
Case in point : Today XX/XX/2015, Western Union rate of exchange for transfers sent to XXXX from local outlets ( In Person ) is XXXX {$110.00} to XXXX vs. rate set by the XXXX XXXX XXXX - XXXX {$110.00}. Hence a gain of XXXX {$4.00} 0n each US $ sent.In addition to the base fee of US {$9.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loans were previously serviced by XXXX ( XXXX ). When that contract expired, the full balance of my student loans was transferred to XXXX, the new designated student loan service provider for federal student loans. This transfer was completed in XXXX of 2022. 

The new XXXX information was added to my credit report as an active account. This part is accurate. But the former loan ( with XXXX ) is still showing as active on my credit report. But this is inaccurate. That loan was closed when the balance was transferred in full to XXXX. This double-counting has the effect of " doubling '' my active student loan balance, which is not only inaccurate but crippling to my credit score and debt-to-income ratio. I am unable to secure credit for a home or vehicle purchase until this is resolved. 

I have found no current contact information for XXXX to correct this error, and XXXX advised me to simply keep waiting for this to be corrected. I have filed disputes with the three credit bureaus, to no avail.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS- XXXX XXXX XXXX # XXXX HAS VIOLATED MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Proff of Ownership
Product: Credit reporting 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. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Therefore I would like my privacy to be respected. ) 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. ( At no time at all did I give ANY type of instructions, written or verbal.

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 ) states 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. I went ahead and highlighted the inaccuracies in the attached documents from the three consumer reporting agencies. 
Examples of these inaccuracies are, ( 1 ) In XXXX XXXX XXXX history XXXX XXXX payment history is showing as Unknown, and in Equifax the payment history is showing as 44 potentially negative months. ( 2 ) Equifax is showing XXXX and XX/XX/2023 payments for XXXX XXXX as being on time even though it should have been documented as CO for that period. These are just some inconsistencies, please see the attached documents for a full comparison. 

These inaccuracies are impacting my ability to purchase a house for my family. It's also preventing me from being able to apply for and attain employment in various fields.