23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I believe I am taken advantage of by XXXX. 

On XX/XX/XXXX I paid {$1500.00} towards my student loans spread across the 7 loans. This was before interest started accruing. I received a payment confirmation email on XX/XX/XXXX XXXX PM from XXXX. 

After this I thought i was good. I waited until around the next bill was. I thought that was weird that I still had the same balance. I checked the history, and I saw that it was reversed. I was let down because that let a lot of interest accrue. I check my email, and do not see any notification that it was reversed. I did not pay attention to my savings account during this span because I knew I had more than enough to pay. I looked past it, and I paid for XXXX XXXX bill on XX/XX/XXXX - {$250.00} across the XXXX loans. I received another payment confirmation email on XX/XX/XXXX. 

I am checking now a month later on XX/XX/XXXX that it was reversed again. I called their support line on XX/XX/XXXX to figure out what was wrong. I gave my information and explained what the issue was, I was put on hold while they were looking into the issue. Later, I was told that it was strange that it was reversed and to call my bank. I asked them to confirm the account number on my account. They said they could not provide that. Understandably, but I realized it would not have been ever activated if that was the case. They said that it could be my bank blocking it. My bank has a stringent alert process, and would've let me know if they blocked a {$1500.00} dollar payment and even a {$250.00} payment. 

I've found many others have been fooled this way, and edifinancial is actually reversing the payments and have lousy notification process on purpose. Why send a payment confirmation email if it did not go through?
Product: Student loan

I am on the SAVE plan and have been since last XXXX. I have called them numerous times because as of XXXX interest is accruing and it should not since it is in the courts. I have talked to multiple people from mohela and everyone says they will be put in forbearance but jt has not happened and my loans have gone up by over XXXX in a single day. That doesnt even make sense with my interest rate for my loans all of the photos attached were taken within 24 hours. There is no way my interest should be accruing at all let alone at the rate it is.
Product: Mortgage

Why does US Bank not respond to my requests for a mortgage modification? 
From the year XXXX to the year XXXX, I have been asking for a mortgage modification ( please see attached proof ). 

Direct your Attorney, XXXX XXXX XXXX, to cancel the sale he has scheduled for XXXX XXXX XXXX 
US Bank needs to directly with me ( they never have ). 
Stop running Attorneys who run to the State Court to overpower me by giving them a false impression that I am in default on a mortgage loan. 
How is that possible when there is not one on my credit reports? 
US Bank has never met with me face to face as required by HUD prior foreclosure action. 
US Bank has done nothing to help me stay in my home.
Product: Money transfer, virtual currency, or money service

I am filing complaint against cash app ( XXXX XXXX XXXX XXXX  ) 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 platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulations E XXXX actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Account ending in XXXX with Suntrust bank was settled in full for less and closed XX/XX/XXXX with a one time payment as per terms of settled and satisfied terms offered by Suntrust Banks collecting department. 
I have disputed with XXXX  and the account still shows a balance and account status as charged off. The account status should be settled and be followed with XXXX balance as account is now satisfied. 
I have also attached the terms of the agreement which was reached and satisfied on XX/XX/2020 with a one time payment of amount stated in letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Credit card or prepaid card

This is related to my earlier complain that someone opened a fraudulent debit account into which that person tried to apply for unemployment in Ohio. Now another cash card has been received called " Debit VISA '' but there's no identification on the card from where the card has originated. The outside of the envelope references Square, Inc. ant that's all I can find. There is no phone number on the card to which I can report fraud so that's very concerning. How do people even open cards like this? I need to get this account closed but don't know where to turn to get it closed.
Product: Checking or savings account

I have a credit card with capital one ... I checked my credit report via credit wise and noticed a new banking account was opened on XX/XX/2021 ( reported from XXXX  ). 

I didn't open an account and I want it closed immediately
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 XXXX and Transunion 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 XXXX XXXX : {$890.00} XXXX XXXX XXXX XXXX : {$610.00}
Product: Credit card

As appear on experian and credit karma XXXX Not authorized account as I have no acknowledgment of this account. Recently report thru experian. Company did not reach out I ask that this account be removed as its not authorized by XXXX XXXX
Product: Mortgage

Nationstar Mortgage , LLC is attempting an illegal foreclosure on our home! Nationstar mortgage willfully and intentionally misappropriated funds that were actually WITHDRAWN FROM OUR BANK and processed via Nationstar 's merchant processing, XXXX XXXX then assimilated into Nationstar XXXX account, held for months, then reprocessed into a Nationstar generated check and mailed back to borrower with no prior warning, threat of detrimental action NOTHING! XXXX {$2200.00} SUBMITTED BY BORROWER, PROCESSED BY SERVICER NATIONSTAR, MONEY HELD IN LIMBO AND NOT APPLIED TO XXXX!!! ) Money held by Nationstar for XXXX months causing not only a delinquency but withholding said FUNDS PAID from XXXX is a criminal offense for a mortgage servicer who takes on the responsibility of an FDCPA regulated collection agency, mirandizing borrowers while scantly servicing mortgage needs. 
Nationstar has proven that it is in their financial interest to force defaults on borrowers, which in turn fuels their fraudulent collection practices, accruement of late charges and fees, immediate property inspections as well as new XXXX XXXX policy requirements to fit their profit structure. All alluding and subversive with regard to nationstar Investors knowledge of unfair business practices Your intermingling of HUD guidelines via mortgage servicing with FDCPA collection guidelines under the same umbrella should be seen as a conflict of interest and is an issue for the Consumer Financial Protection Bureau, FTC to examine as well as the XXXX Treasury Department. Being that Nationstar 's collection and mortgage servicing are based in the state of Texas this constitutes XXXX commerce efforts into the state of Nevada. 
Nationstar Mortgages ' attempt ( via FRAUDULENT debt validation letter from CLEAR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Ph : XXXX ) to VALIDATE and accelerate debt in the amount of $ XXXX foreclose on this property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX ) IS AN ILLEGAL ATTEMPT TO FORECLOSE WHERE THEY HAVE NO STANDING! This debt was challenged by way of debt validation demand immediately following Nationstar 's acquisition of servicing responsibilities from XXXX XXXX XXXX by XXXX XXXX dated XXXX XXXX 2013 sent certified mail to Nationstar Mortgage. NATIONSTAR FAILED TO RESPOND WITHIN 30 DAYS! To this day 34 MONTHS LATER Nationstar has n't so much as responded to DEBT VALIDATION submitted by borrower PERIOD! Proof of receipt can be proven in several ways. 
Should Nationstar be truly interested in keeping the homeowner 's in their home We have included multiple guidelines established by XXXX that Nationstar still has the option to exercise that can save this home from a XXXX drawn out foreclosure and legal battle
Product: Mortgage

Attached please find all my supporting documents of regular payments, ON TIME, and the escrows accounts in question. I have been trying to rectify this situation by calling the phone number furnished on the Ocwen document, XXXX. I have spoken numerous times before I started to take names and employee ID 's. Those names are as follows ; XXXX # XXXX XXXX # XXXX and their supervisor XXXX # XXXX. I requested a supervisor when I was not getting a comprehensive answer to any of my questions and concerns. I also kept giving my cell phone number when speaking to them and asked for the information they have on file to be changed. That never happened even when XXXX said, " I will email my supervisor and give him that information to return your call '' only then did I get a call back because I told them that I had to get a lawyer involved. When XXXX did call me back it was on my HOME phone number which I specifically asked them NOT to call me on, just the number I gave XXXX and XXXX. When I asked XXXX why he called me on that number he just said, " Sorry ''. Really? Am I supposed to have faith that the people in charge of my mortgage will do it right when they can not even get a proper phone number? I had asked him to explain the shortage and he tried to tell me that it was from XX/XX/XXXX. I keep all the paid bills and cancelled checks along with my balanced check books regularly. As you can see I keep accurate records of all my mortgage and tax bills along with my homeowners insurance. When I asked XXXX to fax my lawyer over the documents requested he tried to tell me that he would email to me. I had told him that it was too late because now my lawyer would like to look them over. As of today, XX/XX/XXXX, my lawyer has not received anything from Ocwen. I find this a disgrace of the company and complete disregard for a loyal customer. I told XXXX that I will pay the amount that was previously billed and that if Ocwen wanted to increase that amount that they would have to provide me with evidence of such an increase. 
I had no choice but to file a complaint against Ocwen and their employees because of such disregard and incompetence. I have an outstanding line of credit and it will NOT be ruined by a mortgage company that can not do their job correctly. I am OUTRAGED to say the least.
Product: Credit reporting

XXXX credit inquires on credit not getting resolved. My XXXX from me on XXXX XXXX and again multiple times on XXXX XXXX. I have calledthe companies multiples times to have them send over the request tocredit bureaus to take inquires off my credit because the companiesfound it to be fraud right away. I have sent all my paper work in everyoneneeded, disputed the inquires online with credit bureaus. The other XXXX bureaus have taken action and fixed the problem expect Equifax, Inc. They keep telling me they are not receiving any request fromcompanies. As of today XXXX XXXX still saying same thing. Need doneASAP past my time frame, ruining my life, and causing emotional stressit 's causing me.
Product: Credit card

Lowe 's / Synchrony is charging me {$1.00} every month to mail me my bill. I have called them and asked that i not be charged for this. They have told me the only way to avoid this monthly fee is to register to receive their billing electronically. When I initially got this card for new windows and doors, i was told it would be interest free or eighteen months. I was not told and was not initially charged to receive a paper bill.. This new paper bill fee was added when i was within my 18 months of zero interest. I have now been charged for seven months. i would like these fees reversed and they not be charged in the future.
Product: Debt collection

I was seen at XXXX XX/XX/XXXX. 

Insurance company finalized a claim on XX/XX/XXXX indicating that the patient responsibility on this claim was {$75.00}. 

XXXX  continued to bill me. The {$75.00} was paid ; I made a SECOND payment ( in error! ) thinking that I still owed the bill. XXXX  confirmed on the phone ( and via statement ) that XXXX payments for {$75.00} were received. 

Numerous verbal confirmations with XXXX  billing department that they 1. sent this to collections in error, and 2. owed me {$75.00}. They claimed that this would be refunded and they would remove me from collections. 

The collection agency continues to call and today ( XX/XX/XXXX ) verbally said they verified that the debt ( {$75.00} ) is supposedly still owed. 

I have made over a dozen calls to both the collections agency as well as XXXX  trying to resolve this. Nothing has worked. 

I have PHYSICALLY gone to the local office that I was seen at and they brushed me off stating that they can not help me, and that I need to contact the phone number for billing. 

The collection agency in question is POM : https : //pomr.com/
Product: Credit card or prepaid card

My XXXX credit card was transferred to XXXX XXXX  XXXX  XXXX in XXXX. I received an email stating that it was doing so and I would be getting a packet from XXXX XXXX  along with a new credit card. I still have not received a packet or credit card. My last payment went to them via online banking on XX/XX/XXXX and I have not been able to get an account number or access to pay my account other than calling them. The first XXXX months of calling them since XXXX they stated that I was not in their system and it may take time to transition. This continued for months. I then received a letter from them on XX/XX/XXXX dated XX/XX/XXXX that my bill was approaching 90 days overdue and was in risk of losing it. I have not received any additional account information or statements since my account was transitioned. I had tried reaching out again to the number provided in the original email and they again said they couldn't find me in the system. I then called XXXX to get some assistance. The rep there called a different number and after XXXX minutes they were able to find me in their system. I am still unable to access my account online and was just sent all statements since XXXX from XXXX. I am now unable to refinance my house because of this issue as it is killing my credit. I have been transferred to a manager finally after weeks of being on the phone with their representative to hopefully find a solution. I a fully able to pay what is owed I just want them to accept the fact that I was not sent appropriate documentation in order for me to pay my bills. I have also submitted a letter with details of the lack of documents from them since XXXX and they at first said that they had investigated and it looked like they sent everything out. Well I did not get anything from them in the mail until XX/XX/XXXX and I will not settle for that.
Product: Credit reporting or other personal consumer reports

Hard inquiries without my approval violate 15 USC 1681c-2. Please delete them.
Product: Checking or savings account

Subject : Urgent Dispute Settlement Request for Unauthorized Transactions To Whom It May Concern, I am writing to formally dispute all transactions on my Cash App account due to unauthorized activity and potential fraud. My identity was stolen back in 2020, and I have recently discovered several transactions on my Cash App account that I did not authorize. 

I am very panicked about this situation and would appreciate your prompt attention to resolve it. I did not give consent for any of the activities currently reflected on my account, and I believe my account has been compromised. Attached are screenshots of the unauthorized transactions for your reference. 

Unauthorized Transactions : Withdrawal of {$25.00} to XXXXXXXX XXXX  on XX/XX/XXXX Multiple withdrawals to XXXX XXXX XXXX XXXX XXXX stock transactions and Bitcoin sales Please consider this email as an official request to investigate and reverse all unauthorized transactions on my account. I would also like to request that you secure my account to prevent further unauthorized access and guide me on the necessary steps to ensure my accounts safety. 

Thank you for your understanding and assistance in resolving this urgent matter. 

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

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as XXXX and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

The enquiries on my report are not authorized by, dont have any knowledge of it and I did not give approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to secure a lease for a car. On XX/XX/XXXX two hard inquiries were issued .... One by XXXX XXXX dealership and a second by their finance company Chase auto.. My score dropped XXXX points And I need one of these hard inquiries to come off as it 's the same day fir the same auto lease.
Product: Student loan

I have told XXXX XXXX before that what ever information they have that causes them to try amd collect payments a few months early is wrong yet they refuse to fix the issue. I will not make payments a few months early, I owe for XXXX of 2018 and if they want me to pay, they will remove how ever many payments and late fees that did not start in XXXX of 2018 then send me a bill in the mail. Also, I re-entered school part-time this week so according to the law, my loan should be in deferment. The school I am taking classes at is XXXX XXXX College.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  Account # XXXX Amount : {$24000.00} XXXX Account # XXXX : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never given my unwritten, written, nonverbal, and verbal consent for any of my information to be disclosed to anyone or third-party. per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, Equifax, XXXX XXXX, XXXX. My information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information How I would l like to remedy this is by removing it off of my credit report and to be compensated {$1000.00} per violation under 15 USC 1692 for violating my 16 CFR 313 rights, privacy of a consumers financial information. & to no longer have reports from this company on any of my credit reports I wish to opt out effective immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy T have never been late on payments for the account ( Account Name XXXX ) : ( Account Number XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, Experian claimed to have no record of me having a credit card ( XXXX to boost credit ), experian had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since XXXX  went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on XXXX, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..XXXX  had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards