23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello ... .I 'm writing this complaint to appeal against Wells Fargo mortgage. My wife and I feel mislead and discriminated on by our age. We just recently came out of a chapter XXXX bankruptcy. Everything was discharged through BKXXXX, except a few creditors, Wells fargo XXXX of them. We have entered into an agreement with Wells Fargo in good faith because they Promised to help us with our hardship. After signing all the documents and sending ontime P/I payments of {$400.00} for over 7 months ( loan # XXXX ) per said modification, the mortgage company is trying to foreclose on our property. At age XXXX and and XXXX we do n't have much. Our hardship propelled us into BK XXXX, I loss my job several years ago and wife had a tremendous loss in work hours. This affected our financial wellness. I have sent in all documentation at least a XXXX times until finally we were assured by XXXX XXXX That everything was ok and no other documents were needed and the modification was finalized and to expect the final documents to be signed. We were instead greeted with numberous harassing phone calls and demeaning tones by many other representatives who just did n't care about what we had to say. My other major concern is whatever happen to All the money that we paid specially for the modification P/I over the 7 months period. Wells Fargo said the fund was applied to the balance of my mortgage, but instead the amount owed now is vastly different. WE DONT WANT TO LOSE OUR HOME THAT WE HAVE HAD FOR SO LONG. PLEASE HELP US SAVE OUR HOME. Thank you. 

Sincerely XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on this account because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed account is listed below. 
XXXX Account # : XXXX Balance : {$2600.00} Date Opened : XX/XX/2012
Product: Credit card

I fell behind on payments in XX/XX/2023 because I was laid off in XX/XX/2023, and I called Chase to make payment arrangements and did not received any assistance ( payment plan options ) that would allow me to bring the account current. The agent told me to make as many payments as I could, that was the only solution offered. 
I received a letter from Chase card services in XXXX which offered the opportunity to pay a lower monthly payment or settle the account. I called Chase on XX/XX/2023 to discuss payment options because I am currently on a fixed income ( until XX/XX/2023 ). The first agent I spoke with offered to settle the amount which would require a down payment of {$370.00} and pay off the remaining amount within 3 months. The agent did not give a total settlement amount ; he only asked me if I could pay 25 % of the balance. My response was " no '' because I couldn't commit to paying a balance that was not disclosed. I disconnected the call from the first agent which lasted about 15 minutes. 
I called a second time on XX/XX/2023 and spoke with two different agents that asked me questions pertaining to my current income and expenses. The agent offered a credit counseling service which is an in-house non profit organization. I told the agent that this service was not something I needed and a payment arrangement with Chase card services was the only resolution that I was seeking. I was transferred to a manager and during the call the person I spoke with attempted to tell me that I was upset ( I was not ) and failed to empathize the issue, but was condescending and not helpful. Although, I told the last two agents that I would be filing a complaint with CFPB, they did not attempt to further assist me and honor the " debt liquidation '' program option listed on the letter. This phone call lasted one hour and ten minutes, and I did not receive a feasibly financial offer to settle the account. 
My analysis and assessment of Chase card services collection practices lead me to believe this tactic is being used to collect as much money as they can in a short amount of time, or refer a customer to the credit counseling/debt consolidation service for profit under the guise of a non-profit ( which will allow for more fees to be collected ).
Product: Credit reporting, credit repair services, 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 Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX  XXXX Balance Owed : {$610.00}
Product: Student loan

I graduated with a   XXXX   XXXX   XXXX  in  XXXX   XXXX . Once my  Discover undergraduate loa n went into repayment I quickly fell behind due to the amount of the payment and others I must make on a monthly basis. My mother is the cosigner on this loan, but she is  XXXX  and on a limited, fixed income. She has been harassed and threatened by calls from  Discover dem anding payments of {$1000.00} to {$3000.00} on the spot or her " credit would be ruined for the rest of her life. '' In  XXXX , we were told if we made three consecutive payments of at least {$900.00} they would work with me to lower my monthly payments. When I called after having completed these payme nts ( made with the help of my mother despite neither of us being able to afford it ) I  was told they never promised such a thing. I once again fell behind and began to receive calls multiple times a day while I was working, often from local area codes to encourage me to answer. Each time the amount they asked for included what was currently due, but also what was due for the next payment even if it was a month away. In early  XXXX , my mother used an open end loan and low interest rate credit card in her name to help me catch up.  Discover  received {$3400.00} in  XXXX   XXXX . I called to discuss the options for lowering the monthly payment and was told there were none. The conversation with the " repayment assistance department '' included phrases such as the following after I described my financial situation such as how much I make and amounts/numbers of other financial obligations : " in order for the loan amount to be paid off in 15 years, a monthly payment of {$900.00} is required. You do n't think you 'll ever make enough to pay that? That 's what your loan balance requires. We only offer temporary solutions. But afte r the 3-6 months the payment will be even higher. '' I offered a monthly payment of {$500.00} which is still more than I can comfortably afford, but the woman would not hear it. I am doing every thing in my power to avoid going into default and further ruining my credit, but Discover has told me a number of falsehoods and offered empty promises.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding this late payment, and they have approved updating the accounts to " closed or open /never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a ( D ) ( 2 ) ( A ) ( i ) and 1681a ( D ) ( 2 ) ( B ) states that ... .... except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; A authorization or approval of any account would be anything like a credit card, mortgage, auto loan etc should not be on consumer reports also transactions either discover has been reporting these account without my permission as well as they shouldnt be there anyways as it should not be included in a consumer report
Product: Checking or savings account

Dear CFPB, Capital One 360 Checking Account Account Number : XXXX I recently have several unauthorized transactions on my checking account with Capital One with XXXX. I then contacted them with in XXXX business hours to file a dispute for those. Under the FTC law, I should not be liable for any unauthorized transaction. I filed the dispute on XX/XX/XXXX. Capital One eventually gave me temporary credit. I understand the point of temporary credit here is to give me access to the money while the case is being reviewed. However, they quickly put a hold on my account that I can not transfer, deposit, withdraw or do anything with the fund. With this being said, they violated the human right and took all the available money that I have from me. When I called them, they transfer me to XXXX different agents and the final one is from the Customer Protection team - Name : XXXX - ID XXXX. He told me that it will take at least 90 days for the case to be resolve and in the meanwhile I don't have access to my account, I feel like this is not right. Since I need that money to pay for hospital for my Brother. This is an emergency and they are just being unreasonable. Because there would be no point of giving temporary credit and then restricted the account. By law, if the bank can not finish the investigation with in 10 days, I should have full access to a temporary fund. All of the agent from Capital One were very rude and discriminating. 

Please help me with this.
Product: Student loan

I have had my loans serviced through Navient since 2014 and due to my economic hardship and low income, instead of paying {$0.00} for my income based repayment, Navient has charged me more interest and more monthly payments that exceed my spending capabilities. Navient has failed to offer me the right federal forbiddanc and failed to disclose any other rate reduction programs that would have benefited my repayment and credit report. Consequently, this has severely impacted my income / debt ratio which has limited me to consolidate my loans with other refinancing companies. I have had a very hard time keeping up with my payment plans as a resident working XXXXXXXX hours per week while on a resident salary. I have tried countless times to get on the rate reduction program but Navient has failed to call back and respond to my requests.
Product: Debt collection

I sent a letter for validation of the said account to Transworld Systems INC., whom I have no knowledge of an agreement nor contract with and have not received validation nor correspondence in an effort to correct said debt. I have no knowledge of said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2019 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 



Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and XXXX have disregarded my request AGAIN for the DELETION of the account below which is not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. Now tell me, are you playing around?! Coz let me inform you that you are NOT COMPLYING with the law. I reached out to the company and they agreed to delete it from my report BUT XXXX has some internal block that they're claiming they can use to not block the account because they feel they're above the law. When I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THIS ACCOUNT INSTANTLY! 

XXXX BANK XXXX XXXX
Product: Debt collection

I received a notification from FCO on XX/XX/XXXX, stating that I owed their agency in excess of {$3500.00} for an apartment I rented in XXXX, XXXX. It should be noted that this alleged debt started showing up on all three of my credit reports in XX/XX/XXXX, without any prior notification from FCO or the apartment complex. I submitted a letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ) requesting verification of the alleged debt. They provided me with a lease agreement that was signed by a different/unknown individual and a ledger. I submitted a second letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ), advising FCO that they had failed to provide sufficient verification of the alleged debt. It should be noted that FCO claimed ( on behalf of the apartment complex ) that I had not provided sufficient notice that I was vacating my apartment, which I had in writing. Further, I provided them with the fact that Kentucky Landlord-Tenant laws supersede ( XXXX Chapter 383, " If a lease expires on a specified date, no notice is required, it simply expires. '' My lease agreement expired on XX/XX/XXXX, and I had vacated the premises prior to that date. FCO has failed to respond to my second letter which was received by FCO more 60 days ago.
Product: Debt collection

Requested that LVNN Funding provide contract with my authentic signature that started this alleged debt. LVNV Funding only provided computer screen print-out and monthly bill statements which are unacceptable.

LNVV Funding conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

LNNV Funding has continued violating the law through intimidation, deception, and illegal debt collection.

LVNV Funding are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 card

My husband is XXXX XXXX XXXX, and he already has a {$25000.00} credit card with Navy Federal Credit Union. Today, they sent him another {$6000.00} Credit Card. Why send someone who is XXXX and XXXX  that much credit. They are just encouraging fraud. You would think when they see the age and no JOB they would turn him down. Who is going to pay these bills. I don't know what is his and that isn't. 

His name is XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2024, I contacted a Planet Home Lending representative to remove the escrow account on my loan. I was informed my account was eligible to be removed and that I needed to email a signed request, and that I would know within 5-10 days. I received a confirmation email and another email that it was in review. I called XXXX and was told I would know no later than Monday, XXXX. I called XXXX only to be told that the representative resubmitted my request and that it will be 30 days before I would know the details. The reason I have requested the escrow be removed is that the escrow analysis is projected incorrectly because I am entitled to a senior exemption, and I have appealed my taxes. I did this in a timely manner in order to avoid any complications with the XXXX payment, that automatically debit from my account by the mortgage company. These two above stated factors only make sense that I become responsible to pay my real estate taxes and insurance, once these adjustments are made. I am a senior citizen and have enough equity to qualify. There is no reason why I should pay and escrow shortage because the account needs a two-month buffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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

SCA Collections in XXXX NC placed a collection on my credit report for {$29.00} on XX/XX/XXXX and one for {$69.00} on XX/XX/XXXX from the same creditor XXXX XXXX XXXX. I contacted SCA collections directly and told them that ALL my bills from XXXX has been paid in full and requested them to take this off my credit report with the 1st reported {$29.00} and they refused and was very rude and unprofessional on the phone. So I contacted XXXX XXXX XXXX and spoke with XXXX, XXXX and XXXX several times and they stated in quote, " I have looked all the way back to XXXX and you HAVE PAID ALL BILLS IN FULL, There are NO collections and they have had problems with SCA collections. '' They then told me that they will send a updated report to SCA Collections. I called SCA collections again when the {$69.00} collection appeared on my credit report and again they were very unprofessional and stated they were not taking it off my report until I paid them. I re-laid information back and forth for days trying to get this resolved. An XXXX dispute is in progress now and another XXXX dispute was requested because the first dispute verified my information was correct but no change was made to my credit report. I have now received a bill from SCA Collections for {$270.00} for XXXX XXXX XXXX and I am worried that they are going to post that as a collection on my credit report. They are fruadently recording collections on my credit report that don't exist and I really need your help getting these off my credit report. I want to file a complaint on SCA collections for fraud and their customer service was horrible, unjust and very unprofessional.
Product: Vehicle loan or lease

Theyre currently reporting my account as 30 days past due when in fact it is not. Ive also asked that they stop calling my cellphone numerous times a day, but they still call at least 3 times and it has caused me to be more stressed than I already am dealing with my current financial system. The calls are harassing. I want my account status updated and all communications through mail or email ONLY!