23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As of XXXX 2015 my mortgage had been administered by Bayview Loan Servicing and previously it was XXXX Mortgage. From the very beginning I have had difficulties getting my payment issues resolved with them. After several attempts to pay my mortgage, I finally was able to make a payment in XXXX. I set my payments for automatic draft in XXXX with Bayview and requested an extra amount to withdrawn from my checking account to pay down the principle. Bayview sent me a letter showing that they had received my request and that they would begin withdrawing from my account the larger payment. My goal is to pay down my loan as this is an interest only loan. I noticed immediately that they were only taking out my minimum due and not the extra amount as requested and they had acknowledged in writing that this would take place. XXXX months later XXXX XXXX of 2015 ) and several calls later, I finally was able to speak with a manager to request that this be corrected. Prior to this I made several phone calls per month with the same response - " We will have a manager call you to correct the matter '' only to never receive a call. I have wasted a lot of time on the phone trying to get this resolved and they currently are telling me that it will be correct for my XXXX payment. This is what I have been told for the past XXXX months so obviously I have my doubts. My biggest issue is the half of year that I missed out on to make extra payments. I tried several times to pay extra online, but it would only allow me to pay my interest on the loan and nothing more. Bayview is a terrible servicing agency and is creating issues for their customers and needs to be held accountable.
Product: Debt collection

I am filing a complaint against Financial Credit Network due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Financial credit Network failed to take timely and effective measures to prevent and address problems on their platform, threatened me with harsh words and threats to tarnish my credit Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply to dealing with my concerns as well as on my credit report it shows they disputed it as paid but it is on my credit report as a charge off which is inaccurate all together. These actions have caused significant inconvenience and financial loss, as well and credit score dropping due to inaccurate late payments as well as inaccurate closing of my account and i seek appropriate redress for these violations.

Under US Codes 15 U.S. Code 1635 15 U.S. Code 1692g 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( billing error resolution )
Product: Credit reporting or other personal consumer reports

XXXX continues to charge me fees for an unexplained credit card balance and my credit score continues to decline. I am in finance and this has caused emotional distress and a potential inability to work. My FICO score has gone down. 
XXXX is also listed on a HUD document pertaining to mortgage fraud where my name was added without my knowledge to an AIM mortgage in XXXX and this is ongoing, leading to emotional distress, loss of property and defamation. I am in the process of hiring an attorney. 


See a recent article about similar matters : Whistleblower : XXXX actively lying to regulators for years regarding violations of lawBy XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank Senior executives at XXXX ignored warnings from compliance staff and consultants for years regarding multiple violations of U.S. federal banking laws and intentionally hid from regulators the scope of the companys illegal practices, a former XXXX director of compliance turned whistleblower told Compliance Week.

The {$220.00} million in combined civil penalties XXXX has received, to date {$85.00} million in XXXX and {$140.00} million in XXXXfrom the Office of the Comptroller of the Currency ( OCC ) and the Financial Crimes Enforcement Network ( FinCEN ) for compliance failures could portend more enforcement activity to come, the whistleblower suggested. 

These fines are just the tip of the iceberg, said XXXX XXXX, who was hired in compliance at XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ), an indirect wholly owned subsidiary of XXXX, before he blew the whistle to federal regulators in XX/XX/XXXX. XXXX was terminated the same day by XXXX, which it claimed was for cause for creat [ ing ] a toxic employment atmosphere by engaging in threatening and inappropriate conduct towards coworkers, according to documents seen by Compliance Week.
Product: Student loan

In XX/XX/XXXX I consolidated an old student loan and selected Nelnet to be my servicing company with 3.88 % interest rate. All these years I have been making payment towards that loan. In XX/XX/XXXX I applied for a new loan once I returned to school. I just recently graduated and noticed that the new loan had an interest rate of 6.87 % through direct loan. I attempted to look at the consolidation again. The web site stated that this is just to see what rates are available and not completing the process. When I saw that I 'm not going to get a lower interest rate, it is basically the combination of XXXX fix rate, I did n't pursue it further. I looked for an alternative way to pay off my loan with 6.87 % interest. On XX/XX/XXXX, I went to direct loan site to pay off my second loan, but I saw a XXXX balance. When I called I found out that the consolidation did take place. I looked for any type of warning or notification and the only thing I have is an email on XX/XX/XXXX that states my application is being processed and I can call a number to cancel. There are no dates or further steps for me. I called that number to cancel the consolidation and they have been telling me that I passed the deadline of XX/XX/XXXX. Since then I have been calling Netnet and stating that I want to pay off my XXXX loan and as far as my original loan through Nelnet, I want my original rate back, the 3.88 % that I have had since XX/XX/XXXX. Everyone is giving me a single answer of " we sent you a letter with a deadline ''. I do n't have a letter, not sure why, but did n't receive it. All I have from Nelnet is an email from XX/XX/XXXX that states I can call a number to cancel consolidation, but has not deadlines or any further instructions. Everyone is stating that I 'm stuck with a loan that is 1.62 % higher than I originally had. Who in the right mind would accept that? I have been mistreated, received rude and disrespectful responses. I spent over an hours in the evening of XX/XX/XXXX and over an hour on XX/XX/XXXX and have been working through social media with Nelnet and no one is hearing my case or concern. All I want is for someone to take the ownership and hear out my concern and get in contact with the right people in the company to activate back my old account and give me my old rate back. The process is really confusing and misleading. When I first applied it clearly stated that this does not mean the consolidation is completed. I wish I had taken a screenshot of that. I need someone to help me solve this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX XXXX account # XXXX reported inaccurate information on my credit report, I HIGHLIGHTED all inaccurate information on the report. 

15 U.S Code 1681 s- 2 - responsibilities of furnishers of information to consumer reporting agencies section ( 1 ) ( a ) states : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASON TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

.I noticed XXXX my credit report changed due to having fraudulent activities after ftc XXXX XXXX XXXX files in XXXX - fraudulent account on the credit report 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 Under FCRA and the regulation Z current FTC Report highlighting I've XXXX ignored about clearing the following FTC XXXX XXXXXXXX My first and only Name should be XXXX XXXX XXXX there are not open account on XXXX and have been linked to Fraudulent activity I have notified all major credit buraus of this I would like to take note that in opportunity 's and not addressing and the appropriate timing and affect interest rates in my life and that results multiple USC code violations thru the FCRA and FCA XXXX XXXX and experian have continued to ignore
Product: Student loan

Inaccurate information / education on how payment is being applied to interest and principal, respectively. No notification regarding ineligible payment toward PSLF for unnecessary forbearance from XX/XX/XXXX. Payment amounts being allocated to other loan principles while neglecting lowest balance, highest interest rate loan. Was told payment amount must cover interest accumulated, which it appears it does, and should not be applied to principal on other loans while allowing interest to accumulate. Can not answer why this is the case. Unclear/confusing information regarding accumulation of interest and balance reflected on loan regarding SAVE plan. Unable to provide planning advice regarding monthly payment amount and plan while evaluating PSLF options. Customer service representative went silent and hung up on XX/XX/XXXX when no longer able to clarify information or answer concerns, after waiting almost two hours for a callback. Always conflicting information and varied levels of customer service, ranging from acceptable to very poor.
Product: Debt collection

I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX ( CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay XXXX for Alleged Consumer deception - - - XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XX/XX/XXXX - finally XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX XXXX which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXX, GA XXXX Date XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing XXXX XXXX  60 days past due for the month of XX/XX/2019. This accounts was not past due the month of XX/XX/2019 XXXX
Product: Credit reporting or other personal consumer reports

I couldn't believe it when I saw incorrect accounts listed on my credit report today, with no explanation as to why. I check it frequently, and this has never happened before. I tried refreshing the browser, thinking it might just be a temporary issue, but the errors didnt disappear. I really need the documents I've submitted to be examined carefully so I can stop stressing over this situation once and for all.
Product: Mortgage

I was in forbearance ( COVID ) FROM XX/XX/XXXX TO XX/XX/XXXX. During this, I applied for XXXX XXXX XXXXXXXX XXXX aka XXXX XXXX and was approved. ( XXXX ) **They requested an arrears statement, showing how much, I owe to become current ; Chase sent them an arrears statement of XXXX Chase got a XXXX on XX/XX/XXXX for XXXX. On XXXX, I got a payoff, good thru XXXX, showing, XXXX fees for the following, pro rata XXXX, restricted XXXX balance buy down subsidy/ replacement reserve balance, XXXX, XXXX XXXX fee rebate, NO prepayment, NO other fees*, NO demand fees*, NO corporate advance fee, no attorney fees, basically NO FEES. Chase letter dated XXXX, " your XXXX XXXX payment assistance ends XXXX, call us for a possible extension '', which i did and got an additional XXXX months. I was ecstatic, because not only would I be Current, but a payment credit left over of about XXXX months. On XXXX, Chase charges me, a total of XXXX times XXXX in XXXX XXXX fees and XXXX charge of XXXX!!! total XXXX. I am demanding a complete Audit by a XXXX party as well as internally. It is obvious an erroneous error on behalf of Chase. Because of this I have been struggling to keep up ever since trying to keep up and my mortgage would have gone down.
Product: Checking or savings account

XX/XX/XXXX I was notified about overdraft fees because of insufficient funds. Upon my inquiries to Customer Service I was denied any forgiveness, explaining it was an honest mistake intended to electronically deposited {$800.00} into the checking account from my XXXX XXXX checking account all online, but instead withdrawn from the Truist checking account and didnt realized it. that can I get a refund from the charge of {$36.00} for a check total just over {$6.00}. I explained In consideration I paid off my mortgage loan in good standing XX/XX/2022 and a loyal customer for almost 15 years. 

Besides being on hold for almost XXXX to be exact XXXX minutes. 
I called back and was told again they can not help me but go into the bank So I did and was told bluntly that I could not be refunded {$36.00} even though the total bank charges {$100.00} Its a bad feeling of being tossed out of their customer commitment.
Product: Debt collection

I have been Disputing a Debt that has been sent to Transworld System Inc regarding a payment for rent that I do not owe. I have one them proof that due to a change in staff and the apartment complex not being able to properly keep track of their bookkeeping, I do not owe this debt. They have admitted to making this mistake as this mistake almost made me go into eviction. Transworld continues to report the item on my credit report. They have sent me a copy of the rental agreement which is missing my signature, and it is not enough proof to continue to report this item as I have always paid up to date my rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act XXXX XXXX Account- # XXXX has violated my rights.

15 U.S.C. 1681 section 602.A. 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. 166b A Creditor : May not treat a payment on an open end consumer credit plan as a late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS XXXX -XXXX  XXXX XXXX  XXXX 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: Student loan

Hello To Whom It May Concern, I hope all is well. 

I am currently paying off my Navient student loan. I am having issues paying it off due to my other bills and responsibilities. They will not lower it or work with me. 

Please help!!!! 

Best, XXXX
Product: Credit card or prepaid card

I am writing to dispute a billing error on my account. On XX/XX/19 I  logged online to set up payments for the amount that was owed on the account, which at the time was {$110.00}. I set up to pay {$40.00} on XX/XX/19 and then {$76.00} to pay on XX/XX/19. The website would not allow me to pay any more than what was due on the account. 
Apparently during the time I made those payments, another {$1.00} of interest was added to my account which I was unaware of. The postal facility that processes our Mail in XXXX XXXX was closed on XX/XX/2019 due to a roof collapse due to Tropical Storm Imelda. This delayed processing of all mail for my home and it must have caused the letter stating that I owed {$1.00} to be rerouted as I never received a bill for that amount. 
Since I was not aware that I owed the {$1.00}, I did not make any payment after XX/XX/XXXX, which apparently caused my account to go 30 days past due, however, I was never contacted about this. I was not charged a late fee, however, Kohls did report to the credit agencies that I was over 30 days late. I called the 1-800 number to try to explain my situation, however, I can not get ahold of anyone who seems to understand the issue. 
I am writing to ask you to please remove the 30 days late delinquent account from the credit reporting agencies in a show of good faith, as it is clear that I thought that I had taken care of the obligation that was owed and I was never informed of the {$1.00} that was added to my account. 
Please investigate this matter and correct the billing error as soon as possible.
Product: Vehicle loan or lease

they repossessed my car when I never missed a payment & it cost me {$10000.00} to get it back due to rental damage caused to vehicle & & & I was 2 months behind do to cover & up to date on payments but they still repossessed the car
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C CODE 1692XXXX XXXX XXXX HAS PURCHASED AN ERRONEOUS DEBT. I HAVE REQUESTED THAT THIS ALLEGED DEBT BE REMOVED FROM MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXX XXXX XXXX  XXXX - XXXX - {$33000.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Debt collection

I received a letter from the company called convergent outsourcing inc. they are claiming that I owe {$1600.00}. XXXX cents and they are saying that it's from an investment in a company called XXXX XXXX XXXX. I do not owe this debt I do not know this company. They also say the original debtor or creditor was XXXX XXXX XXXX who I contacted and they said that they don't loan money their debt or bad credit repair service. So I contacted convergent and I told them that I don't know anything about this debt and they've got the wrong person and they wanted my social security number and I declined to give it to them and they said have a good day and they hung up. They need to provide more information about this debt before I submit to any more questions about my personal information.