23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue at hand is with my current mortgage company XXXX XXXX. I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, XXXX XXXX   offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. My account was being reported current up until XX/XX/XXXX. 

On XX/XX/XXXX my account was reported delinquent, with a statement that I'm paying partial payment agreement to all 3 credit agencies. Because of this reporting my credit has dropped more than 71 points which cause a huge impact to my credit ratings. 

This is my second claim the first one just closed and they did make the corrections with XXXX and XXXX. I'm still waiting for Transunion to be updated. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. I will attach a copy of the email I sent to them also.
Product: Credit reporting or other personal consumer reports

My XXXX auto loan reported a late payment and i asked that i receive validation that payment was late
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX  account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. If you have any questions I can be reached at
Product: Debt collection

A representative called stating that I have a {$1700.00} balance with them, when in fact that is not true. I have proof that I have been paying my bill on a monthly basis with an agency on behalf of XXXX. I frustrated because they have misleading information about me, and have access to my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

I sent this to LVNV Funding LLC to Resurgent Capital Services L.P. : VALIDATION AND CEASE AND DESIST Re : Name : Address : Account # : To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?


PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation. Also Sent this... In accordance with the fair credit reporting act this creditor has violated my rights under15USC 1681section 602 I have the right to privacy also refer to 15USC 1681section 604a section2 and 15USCS 1666b This was all done WITHOUT my consent wich is considered Fruad.. it has also been charged off and I never Received a 1099c this whole claim is Fraudulent
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a XXXX XXXX XXXX XXXX was opened as of XX/XX/XXXX there is an insane balance of {$5400.00} on the account On XX/XX/XXXX XXXX XXXX XXXX XXXX opened and reported a balance of {$1400.00} On XX/XX/XXXX a XXXX XXXX XXXX was opened and as of today the balance is {$170.00}. On my credit report it states it is XXXX OPEN. 

INQUIRYS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I do not think it is fair that a bank should charge us a fee for cashing a check that is drawn on their Bank regardless of whether we have a relationship with their bank or not why should they be allowed to take money from us just because we do n't have an account with their Bank. If the check is drawn on their bank they should cash it with no fees to the person cashing the check. Bank of America wants to charge me {$8.00} for cashing a check that is drawn on their Bank because I do n't have a bank account at their Bank or relationship with them I find this ridiculous and totally unfair why should I give them {$8.00} of my money because I do n't have an account at their Bank what the check is going to bounce and they 're going to have to take it out of my account which is not written on which the check is not written on my account not fair they should not be allowed to charge me anything if the check is drawn on their Bank.
Product: Debt collection

My debt was sold to portfolio, I have received what feels like hundreds of phone calls from them. It says I opened an account with them in XXXX which is not true. I have not discussed anything with portfolio recovery
Product: Checking or savings account

XX/XX/2023 I made an opening deposit at Citibank, I utilized the mobile banking deposit feature. I deposited XXXX XXXX XXXX money orders in the amount of {$500.00} each. On XX/XX/XXXX I woke up and find the checking account had been restricted. When I called customer service I was told the account had been referred to the fraud department for possible closure. I was transferred to the fraud department and assured when the money orders cleared my account access would be restored. 

XX/XX/XXXX, I could not log into my online account anymore at all. I called customer service and was transferred to fraud and told my account had been closed. The reason I was given is that the money orders had been altered ( they hadnt ). I spent multiple hours on the phone and was told my only option to possibly have the account closure rescinded was to go to a Citi bank branch ( a XXXX XXXX XXXX from where I am, or a flight ) and bring the money orders and receipt to prove the funds are valid and they will consider rescinding the closure. 

I have called XXXX XXXX personally and verified the funds were deposited at Citi with a date of the XXXX. Citi is telling me it takes 6 days on their end to know if the funds from money orders will clear or not. But they closed the account after 2 days and their only solution is for me to fly to a branch and they might reconsider account closure? 

Ive spent multiple hours on hold for a supervisor and I have asked for supervisor call back - no one beyond entry level employees have spoken with me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Midwest acceptance is garnishing my wages For a vehicle They reposed 20 years ago the vehicle is XXXX XXXX XXXX but they claim due to interest accumulation I owe over XXXX $ I never got a chance to dispute or anything it didnt even show up in my credit report and I bought a home last year
Product: Student loan

My loans were transferred to Mohela for Public Service Loan Forgiveness in XXXX. Upon review of my payment history, Mohela determined that I had reached my XXXX qualifying payments in XXXX of XXXX and my loans were forgiven. My bank records indicate that I paid 15 additional payments after XX/XX/XXXX, totaling {$2200.00}. These funds should be refunded back to me. I have been requesting this refund from Mohela since XXXX of XXXX receive a different explanation each time that I call. I have made formal requests for review through their phone service on more than XXXX occasions. On XX/XX/XXXX, I waited on customer service for over two hours, as I do each week since XX/XX/XXXX. I was told that each of my request for refund and formal review have been cancelled without explanation. I was then hung up on by the agent during the transfer, which has happened on at least five other occasions after being put on hold for hours. I'm requesting that my overpayments are addressed and returned to me without continued delay.
Product: Mortgage

I recently became a successor in interest on this loan. I am now trying to assume the losn as I was awarded the house through the divorce and since my ex husband has recently passed away I am trying to assume the mortgage so that I can be obligated on the note. Rushmore Loan Management has told me over the phone on XX/XX/XXXX and also through secure messaging sent to me in late XXXX that they do not allow Assumptions and they are trying to force me yo refinance. My loan is with XXXX XXXX and I believe that they allow Assumptions under certain conditions. I am a single mom with two kids who now no longer have a dad and I am struggling to ensure that not only we keep our home, but ensure I can sell it if I need too. Please assist me in getting this mortgzge company to allow an assumption. I am currently not behind on my mortgage, but they just raised my payments again in the last year due to an escrow analysis and I would not be able to complete a modification if I cant assume the note. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. I called them about 3 months and they said to remove the accounts but up until now, the accounts are still reporting under their bureau. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report eventough the companies already removed the accounts from the other bureaus. 

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: Mortgage

Although Ive been sending biweekly payments totaling more than my loan payment, In payment history under my account, they are adding and subtracting my payments, holding money, and it doesnt seem to be applying to my account. Also, it states I still owe my XXXX payment. Ive been paying my mortgage for XXXX years thru XXXX different companies. My original contract with XXXX XXXX was a XXXX yr fixed Mortgage set up on biweekly payments. My Mortgage companies changing over the years, paying monthly, has caused me to be over the XXXX yr. and Im still paying a lot in interest. Im not understanding why?!?
Product: Student loan

My name is XXXX XXXX XXXX. I applied for Public Student Loan Forgiveness Program in XXXX, after graduating XXXX XXXX at XXXX in XXXX. I had borrowed approximately {$210000.00} during my years XXXX. Per the loan agreement, I agreed to pay income based repayments for 10 years at a non for profit for 10 years and practice in a rural setting. Doing so would result in forgiveness of the remaining balance of the loan. Since signing the loan agreement, I have completed 3 years of XXXX  and 8 years practicing in a " rural setting. '' During this time, I fulfilled all of my payment obligations, which per the loan agreement, were income driven repayments. I was required to submit income verification annually and did so. For the past 8 years, my payments have been over {$2300.00} a month. 

My 10 years ( 120 payments ) should have expired in XX/XX/XXXX. When I called the loan servicer, fedloans.org to inquire about this in XX/XX/XXXX, I was told the expiration was XX/XX/XXXX. However, it is now XX/XX/XXXX and per the fedloans website, I still owe 74 payments in the amount of {$190000.00} that are apparently to website, are " in question ''. More importantly, myfedloan states I still owe payments until XXXX! 

In the past 18 months, I have called no less than 30 times to find out why my loan status has not been changed. I've spoken to countless operators and supervisors. Most recently, an operator stated the loan administrators were " on an island '' and there was no way to talk, email, or reach them for answers. I am constantly told its simply a " paper tracking '' issue for 18 months. I was also told my case is " flagged '' as well as the term " expedited '' so all calls are tracked. Now, I am here 18 months later without change in my 74 payment status. 

I have an urgent need to get this rectified as starting in XX/XX/XXXX, as if I don't continue to make these large payments, ( despite already having completed all terms of the agreement ), I could be in " default ''. My license to XXXX  XXXX XXXX may be revoked. I have overpaid in my calculations a {$210000.00} loan to {$280000.00}. And yet still {$190000.00} owed, how is that? Because of this situation, I am in limbo career wise. I, as a XXXX, can not even get approved for a car loan. I have been compliant with my end of the contract for the last now ELEVEN years, but yet I still have {$190000.00} outstanding debt? I have my bank statements to verify my payments as well.

According to my research, there have been multiple states with lawsuits against the Public Student Loan Forgiveness Program. Not only for the gross mismanagement, but near obsolete communication of the company. I have reached out to my WV Attorney General XXXX XXXX for help. Upon search the CFPB complaint database, I have found many similar complaints about this program. Aside from getting my loan discharged properly, I would like to know why this program is permitted to continue its unfair, deceptive and abusive lending practices. Any inquires are welcomed.
Product: Student loan

I n  XX/XX/XXXX  - XX/XX/XXXX ,  I was enrolled in   XXXX   XXXX   XXXX   XXXX   XXXX    onli ne. While attending, I had to apply for  a Tuition Answer privat e loan with a co-signer through    XXXX   XXXX  .  As I can recall, I had applied for  XXXX  private loan instead of  XXXX . Currently, I 'm aware that you have filed a lawsuit against  Navient. I re cently noticed this information and needed to send you my information regarding my account and any issues wi th Navient. I 've  performed an investigation on my account regarding all my loans  - Federal and Private. Currently , all of my subsidized and unsubsidized federal loans have been consolidated and sent to  XXXX . However, I have  XXXX  private loans dated back from   XX/XX/XXXX .  Here are the listed private loans in question : Disbursement   XX/XX/XXXX  - T uition Answer - {$7300.00}, Interest 5.50 %, Total Balance : {$9900.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursement XX/XX/XXXX   - Tuitio n Answer - {$4100.00}, Interest 5.50 %, Total balance : {$4800.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursemen t  XX/XX/XXXX -  Signature Student - {$6000.00}, Interest 9.125 %, Total Balance : {$8600.00} ( This loan is not listed on my account detail  ). Direct Repay -- Status : Elig ible.  <P/>  Navient has b een contacted for them to send me the signed promissory notes for each of these private loans. The representative stated that I would receive them by the end of  XX/XX/XXXX , no later than the first week of   XX/XX/XXXX .  In addition, while paying on my loans I 've contacte d Navient in    XX/XX/XXXX ,  XX/XX/XXXX  or  XX/XX/XXXX  regarding removal of my co-signer. They stated that I had to make 12 on-time consecuti ve monthly payments and a credit check, in order to remove the co-signer. I have been  XXXX  month late because my paycheck did not fall on that date which caused my account to be delinquent . Navient h as never told me about a grace period after the due date which is the   XX/XX/XXXX   of every month. As for income-based repayment, I could not get that for my private loans it was only offered for federal loans.  <P/> I have a copy of my account detail breakdown for you to see what is going on with my account. I 'm trying to get an understanding as to why the interest is more on  one  account than the other and they are close in age. In addition, why is  Navient charging me for loans I have n't applied for, and why Navient does not offer inco me-based repayment for private loans? Please check on any illegal deferment or forbearances that were placed on my account.
Product: Credit reporting or other personal consumer reports

Hello, I hope someone could help me with the removal of these unfamiliar accounts that are being reported on my files. I have made some letters addressed to the credit bureaus and collections explaining my side. I would appreciate it if this will be resolved right away. 

Regards, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) 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

My direct express card was stolen and I've been trying to have a replacement card sent to me. The individual that stole the card changed all the information on my account. For several months I attempted to cancel the card to stop this person from using my card and staff failed to cancel the card until an investigation was conducted. Now to get a new card I verified my information by faxing documents over six times to five different fax numbers staff is telling me that now I need a XXXX from social security. In which I sent a signed form to them. Truly, frustrating the lack of effort shown to resolve my problem. This matter shouldn't have taken two months.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. And I will like to file a credit report act to XXXX and XXXX due to credit, loans, Financial Aid in 2020 due to my college credits because I havent attended school sense 2020 in that was COVID 19 pandemic year and fake checks im receiving through mail as well.