23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had issues with the servicer My Fed Loan Servicing not communicating in a clear or consistent fashion. Two IDR recertification processes in a row now they have either not sent reminders, or failed to send follow up communication that they themselves committed to send. 
The first time this happened this caused me to be kicked off the IDR plan and charged a monthly bill that I could not pay, and I was told by the servicer that I would have to either pay it or not pay it, and that if I did not that interest would be capitalized. I had to take the latter option due to being unable to pay that amount, and it took 3-4 months for the servicer to get me onto a IDR at that point. 

This year, the servicer sent a communication on XX/XX/19 that in the first two paragraphs was very clear : get ready to recertify in a couple of months, AND look for another letter from us for instructions about how to do so. That letter with instructions never came, and only because I recently had a income change did I log in to look and see if I needed to report the change, and by chance found on the account that the deadline for recertification was XX/XX/19. 
When I called the servicer, they pointed out that the initial letter from XX/XX/19 did indeed have that XX/XX/19 deadline in the body of the letter, though it was absolutely buried amongst MUCH less important information, towards the middle of the letter. He did not explain or take any responsibility for why the follow up with instructions never arrived. 

Regardless, the first part of the letter is clear ; WAIT for our letter with instructions, a letter that never came. If I had waited, I would have again been in the same predicament as last time, having interest capitalized, for a simple issue that is easily resolvable without significant cost on either party 's part, not to mention completely avoidable if communication is clear, not obfuscated and actually sent. 

To be clear, the servicer did NOT take any responsibility for any of these issues at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX 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 XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stares on my dispute form that they verified a bankruptcy via XXXX XXXX. However my XXXX XXXX has been frozen for quite sometime now due to previous fraud and i also have a fraud warning on my equifax account. I called XXXX XXXX  to find out if any information was requested and they reported no and that my account was frozen. I called equifax customer service to find out what method they used to verify the bankruptcy and they stated that they used a 3rd XXXX XXXX, i said that was impossible because the account is frozen. They then stated they went through a different 3rd service. I asked which one because by law you have to disclose and the agent didnt say anything i also stated that in my report its states they used XXXX XXXX. After about 19 mins i asked for a supervisor who stated they called the court and verified which i know is false because courts dont verify with CRAs. Once i brought that to her attention she said they verify different ways. I advised her they were reporting incorrect information and i would be reporting to the CFPB and she whatever.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX/ # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 2 ACCOUNTS THAT DO NOT BELONG TO ME I WANT THEM REMOVED
Product: Debt collection

I was contacted several times by a " CBE Group '' but did not answer because I did not know who was calling and no voicemail was left. I eventually answered the phone call and found out it was a debt collect, I then asked them to tell me what debt it was, who I originally owed it to, the amount, the account number, and to send me an itemized bill stating why I owed that amount. I also asked that they no longer called me and would only contact me in writing. They stopped calling and sent a letter. I received the letter and it was dated as the XXXX of XXXX and it did not show an itemized bill on why I owed the debt, but only a statement saying an amount that I owed, which was a lower amount then what they are claiming I owe. I then hired XXXX XXXX to help me verify the debt. They are continuing to call me AGAIN everyday at a late hour ( XXXX ) since the XXXX of XX/XX/2022.
Product: Mortgage

I have a fixed 2nd mortgage with Nationstar Mortgage. I noticed on my statement that I have been assessed a {$37.00} fee for " Optional Products and Services '' beginning XX/XX/2016 to present day. I DID NOT opt-in for this optional product /service.
Product: Vehicle loan or lease

In XX/XX/XXXX, my 3-year lease on a XXXX XXXX ended. I did a lease buyout, financed through a XXXX XXXX XXXX XXXX. 

In the fall, I received a check from Hyundai Motor Finance. I did not know what the check was for. Unfortunately, I put it aside -- when I came across it again, it had expired. 

In XXXX, XXXX informed me that they have been unable to get the title transferred. That Hyundai should have sent a sales tax check- to be taken to the BMV , so the title could be released to XXXX XXXX 

I called Hyundai XX/XX/XXXX, I was told a new check would be sent. ( ETA 3-5 business days ) I did not receive the check and have called in multiple times since then.

Sometimes, I am transferred from one department to the next and back again. 
I have tried the email customer service option, but they respond back, referring the last time I called in. 

" We see that you have already spoken with a Customer Service Representative onXX/XX/2021and received assistance with your request. '' -- XX/XX/XXXX - Check will be expedited. 3 business days. 

XX/XX/XXXX - " Check will be sent ASAP '' - representative sent email to " Sales tax dept so they can send the actual check '' XXXX - representative sent a '' red flagged '' email, check to be reissued within XXXX hours XX/XX/XXXX - XXXX had also called in. Representative advised email sent to sales tax department - " it can take up to 16 business days, a month if it needs to be cancelled and reissued ''
Product: Mortgage

Specialized Loan Servicing LLC has not paid my city taxes even though they have been collecting the money and have it in my escrow account. I've attempted to get them to rectify this for weeks. My first message to them through their online customer service notifying them of the error was on XX/XX/XXXX. They gave me a number to call and the number only gave an address to write a letter to. On XX/XX/XXXX I wrote a notice of error letter and mailed to them which they have not responded to. I've since sent 3 more messages and talked to someone that was supposed to take care of it. The final due date is XX/XX/XXXX, tomorrow and after a month of trying to get them to pay the taxes and accruing late fees they owe nothing has been done. Reaching them by phone is nearly impossible since the automated phone tree for taxes ends with an address to respond in writing with no option for a representative. The online contact us only responds with they can't help and I have to call the number.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX US DEPARTMENT OF EDU Balance {$6900.00} Open Date XX/XX/XXXX US DEPARTMENT OF EDU Balance {$3800.00} Open Date XX/XX/XXXX US DEPARTMENT OF EDU Balance {$3400.00} Open Date XX/XX/XXXX US DEPARTMENT OF EDU Balance {$2400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX IN Date XX/XX/XXXXXXXX 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. 

Account Number : XXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX XXXX Account XXXX, Account name : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion are reporting different dates one reporting closed date in XXXX XXXX the other report ing XXXX XXXX as well as fruad last payment date I want this I want this deleted
Product: Vehicle loan or lease

On or about XXXX  I called GM Financial to ask for a loan payment plan due to XXXX XXXX XXXX XXXX XXXX XXXX They agreed and asked me to verbally agree to a contract that would put the 2 payments that were behind on the end of the loan. They refused to let me read the agreement beforehand so that I could clearly see what I was agreeing to. They also asked for a payment on the spot which I gave them. A month later and I have never received a copy of the plan for review, and also see on their website that they are not just asking for more than what the monthly payment usually is, but also they are reporting that I paid less than what I actually paid at the time of the agreement. This is the specific reason that I wanted to see the agreement beforehand which they not only refused, but claimed they had no way to show me. I recorded the whole conversation as evidence to my concern, fearing that it could lead to where we are at currently.
Product: Debt collection

A XXXX XXXX from Foster and Monroe called myself, my place of employment, my spouse, my daughter and my mother to attempt to collect an unvalidated payday loan debt from XX/XX/2014. When calling my daughter, the agent on the phone, Ms. XXXX, told my daughter that " she should care because it will effect her, '' and they could, " take her house. '' They asked my daughter to verify my date of birth, as well as my social security number, which my daughter declined. In contacting my mother, the caller listed my date of birth and my spouses date of birth, and saying there was " a complaint against '' me and my spouse " in her office. The caller left a message stating that my mother needed to contact them directly, or have her attorney contact him. When I contacted them upon hearing their message, I spoke with a XXXX. I told XXXX that I wished for my family and my employer to no longer be contacted, and he told me that my daughter would not be contacted further. In addition, XXXX told me that since the alleged payday loan was with a tribal community, that Federal Debt Collection Practices did not apply. He asked repeatedly to confirm confidential information, which I declined. When I asked if his company was a debt collector or a law firm, he said they were " paralegals '' and that they just " handled the paperwork. '' Upon researching, this is a gross distortion of the this company 's business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX and Equifax Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$3700.00}.
Product: Credit reporting or other personal consumer reports

Chex Systems , Inc. Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX has listed ACCOUNT ABUSE ; NON-SUFFICENT FUNDS on my Chex Systems file, dated XX/XX/year>. To my knowledge, I have never had ACCOUNT ABUSE ; NON-SUFFICENT FUNDS with XXXX XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX including copies of any documentation associated with this OVERDRAFT which bear my signature. In the absence of such documentation, I request that this OVERDRAFT be permanently removed from my Chex Systems report ASAP.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} - tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

In XXXX of this year 2019 i opened an account with first national bank XXXX XXXX XXXX XXXX XXXX   .PA XXXX.i made a deposit of {$20.00}. ( XXXX dollars ) to open the account.the person that assisted me was not pleasant or helpful towards me.i was also told i would get my debit card in the mail so i can do my further transactions on line because i am mostly in new york.after one month no card instead a paper saying i owe the bank fees and i am in negative balance i contacted them they said they would send my card and dismiss the charges so i can do my banking and on line also because i can't do that without the card its now XX/XX/2019 still no card and the fees have gone up i contacted them they said the bank manager would reach out to me but till now no one has contacted me. I asked them why they are doing this when i called on there recorded line. If it was because i was XXXX they didn't respond or contact me back instead a threatening letter to report me and have my name made bad by credit companys.any help would be appreciated.
Product: Debt collection

Debt was not verified by contract or signature. 
National Credit systems inc
Product: Mortgage

BB & T 's response to a previous complaint raised other issues that we have heard for the first time - that they are not an authorized servicer. Throughout the course of this loan there has been lack of notice on many things including who is the authorized servicer. The last of notice being currently that we have not received notice that BB & T is not the authorized servicer along with the pertinent details that should be in such a notice. We have not been informed of who is the new servicer is and the pertinent details that should be included in such a notice as well. We discovered the fact that BB & T claims that they are no longer the authorized servicer as one sentence that was casually mentioned in the middle of a response letter received from BB & T to a complaint we filed with the CFPB regarding lack of notice on mortgage loan ownership dated XX/XX/2016. See attached letters, one dated XX/XX/2016 where BB & T claims that they are the authorized servicer and then on XX/XX/2016 where they casually mention the alleged change. We have received no other correspondence from them regarding this alleged change in who is the servicer of our loan and all the pertinent details that should accompany such notices. 
BB & T also knows that we are submitting a mortgage modification package and knowingly put us in a position where we have nowhere to send it as we have not received notice of transfer or notice from the new servicer. We feel that this is another deliberate attempt to thwart our efforts to execute options for us to retain our home that we have lived in for the last 18 years. 
We would like BB & T to answer each of the following questions directly, completely and not be evasive : - 1. Was or is BB & T ever allegedly an authorized servicer for XXXX who they allegedly claim owns the note, if so during what dates was BB & T allegedly the authorized servicer? 

2. If now you are revealing that BB & T is allegedly not an authorized servicer for XXXX then who allegedly is the new servicer and since what dates. 

3. When will we receive a notice of transfer of servicing from BB & T? 

4. When will we receive a notice of new servicer from the new alleged authorized servicer?
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.  The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my PayPal account was hacked and dozens of transaction totaling approximately {$15000.00} was stolen from other peoples credit cards, put in my account, and taken out on a debit card that was not my own. I was informed of this by one of the people whose cards was hacked ( NOT PayPay ). I contacted them on XX/XX/XXXX when I became aware of this. They recognized the problem, my password was reset and the fraudulent debit cards and accounts removed. They told me they would put an agent on the case and get the transactions removed. I called back a week later after nothing whatsoever had been cleared up and got the same story - that someone was working on it. 

I called again on XXXX and their customer service phone line was down, and message center had a multiple hour wait. I opted for the message center but it reset after a while and my place was lost. This is insane, they have acknowledged fraud, but are unreachable, and have done nothing to remedy the situation. Please help! I get calls daily by those affected asking where there money is even though I did not take it. I am at my wits end with PayPal, they have been absolutely abysmal in helping with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to Wells Fargo in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports Wells Fargo already started reporting to XXXX and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by Wells Fargo and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with Wells Fargo, previously.