23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have made several payments on my loan- and have 2 issues. 
The loan statement indicates that all payments are accepted. So when a partial payment is made, it is not applied to the account and " held in suspense ''. Or if we paid an amount over the actual amount due, it has not been applied to our account- yet late payment and other fees have been applied. The statement clearly indicates that partial payments are accepted yet when partial payments are made they are not applied. 
In addition to that, I have made over 6 payments ( 2 per month starting in XXXX ) all of the online payments i sent were rejected. My loan would be current as of today, however they have sent it to foreclosure. I can pay the total amount due today, however, they will not accept it and are making me wait for official reinstatement paperwork- when it should have never been closed. I am being charged late fees and attorney fees, when the amount due has been sent several times and then set back to my bank. All of the fees shouldn't be charged and the loan should not be in foreclosure- the money being held in suspense is really confusing and causes the loan to appear late when it is not. 
I don't appreciate the bad marks on my credit and all of the fees when i have tried making these payments over and over. I have called customer service several times with no help at all. I am awaiting reinstatement paperwork and I can pay the loan in full anytime. 
I have called customer service several times over the life of this loan to get help on this " held in suspense '' and the customer service agents have agreed that it is confusing and hard to understand. In the past i was credited late fees, as this " held in suspense '' makes it seem like a payment hasn't been made. It is so hard to do business with Specialized loan servicing and I wish we could move this somewhere else. 
In addition, when they reject the payment- it takes almost 2 weeks to get the money back, so finding another way to get the money to them right away isn't even possible. I have talked about this with the different banks that I am using and it is an issue with specialized sending the money - not the banks crediting the money to my account. If my payment is going to be rejected i'd love a phone call or even an urgent text message to let me know right away so i can take care if it immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX XXXX ), I have the right to request that inaccurate or outdated information be removed from my credit report. Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by XXXX is {$1200.00}, while Experian reports {$0.00}, and XXXX reports {$1200.00}. XXXX. The date of last verification is XX/XX/XXXX in XXXX, but it is not reported in Experian or XXXX. XXXX. The date of last activity is reported as XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date reported is XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date opened is XX/XX/XXXX according to XXXX, but it is XX/XX/XXXX according to both Experian and XXXX. XXXX. The balance owed is {$540.00} across all three bureaus, but the closed date is only reported by XXXX as XX/XX/XXXX and not reported by Experian or XXXX. XXXX. The account rating is reported as " Derogatory '' by all three bureaus. XXXX. The account description is reported as " XXXX '' by all three bureaus. XXXX. The dispute status is reported as " Account not disputed '' by all three bureaus. XXXX. The creditor remarks in XXXX indicate that the account was charged off as bad debt and canceled by the credit grantor, while Experian states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. XXXX. The payment amount is reported as {$0.00} by all three bureaus. XXXX. The last payment date is reported as XX/XX/XXXX by both XXXX and Experian, but as XX/XX/XXXX by XXXX. XXXX. The past due amount is {$540.00} across all three bureaus. XXXX. The credit limit is reported as {$1000.00} by both XXXX and Experian, but {$0.00} by XXXX. I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to formally register a complaint and seek redress regarding my participation in the Sweet vs. Cardona Borrowers Defense Class Action Settlement ( Application Number # XXXX - XXXX XXXX XXXX [ XXXX ] ). I believe my case merits special attention due to the following facts : I am addressing the inclusion of the following tradeline on my credit report : - Account Name : MOHELA/DEPT OF ED - Account Number : XXXX - Loan Award ID : XXXX - {$4800.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$13000.00} - Loan Award ID : XXXX - {$20000.00} I believe this tradeline violates the terms of the settlement agreement and consumer protection laws under the Fair Credit Reporting Act ( FCRA ). As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application ( s ), as specified in the settlement terms. 

I request that the credit reporting agencies promptly investigate this matter to ensure that my credit report accurately reflects my status as a borrower defense applicant in administrative forbearance. The FCRA and the settlement agreement require that my credit reports accurately represent my financial obligations and rights under the law. 

As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application : XXXX, as specified in the settlement terms. 

I understand that the Sweet vs. Cardona Borrowers Defense Class Action Settlement is designed to address cases where borrowers have been subject to unjust treatment related to their student loans. Given the circumstances of my case, I believe it falls within the scope of this settlement.

I have reviewed the terms of the Sweet vs. Cardona Borrowers Defense Class Action Settlement, and I believe that my situation is directly related to the objectives and provisions outlined in the settlement. Therefore, I request a thorough review of my case to determine if I am eligible for reimbursement and restitution under the settlement terms. 

Enclosed with this complaint, you will find supporting documentation : 1. Copy of Dispute Statement 2. Copy of Request for Enforcement of Settlement Rights to Privacy and Accuracy of Information ( Dept. of Education Letter ) 3. Copy of Borrowers Defense Class member participation and eligibility for administrative forbearance. 
4. XXXX XXXX XXXX Misconduct, Misrepresentations, and Breach of Contract and Fiduciary responsibility claim evidence and copies of email correspondence. 
5. Copy of your drivers license ( Proof of Identity ) 6. Copy of Bank Statement ( Proof of Address ) 7. Loan Details - Copies of XXXX XXXX credit report highlighting discrepancies.
Product: Checking or savings account

I was told about putting in a complaint for the lawsuit against navy federal
Product: Mortgage

Owning.com has issued misleading ads. They heavily cite an interest rate and terms ( no closing costs ) and do not disclose that those rates and terms are only available for transactions exceeding {$300000.00}. They do disclose an upper bound, making it sound like all mortgages up to that amount would qualify. My credit and qualifications otherwise meet all of their standards but I did not go through with the loan when they changed the rate and fees on me.
Product: Debt collection

After debuting the letter, LVNV Funding LLC now resurgent capital services are calling threatening and send sending threatening letters to collect a debt that they refused to validate at my request and the amount. The credit limit was XXXX and I asked them to cancel card due to interest rate. No response from bank or collection agency. This violated 15 USC 1681 and 1692.
Product: Consumer Loan

I received a check in the mail from Tower Loan of XXXX XXXX. I cashed it on XX/XX/2016. On XX/XX/2016 I received a call from my great grandmother in law who has XXXX stating that she had received a call and was upset that something may have been wrong because she had received a phone call in reference to me, and had never received a call there for me. Come to find out it was Tower Loan. I called there office. A female told me that they had tried to contact me. I told her that I put my number on the back of the check as the instructed via the agreement of cashing the check, She stated that the check had not loaded the system and the info that they had tried using the number on file, I told her because that was not my number and I have had this number since XXXX. She stated they brought my info from the credit bureau and must was not correct. She stated they had a XXXX # which I told her I have never had a XXXX #. I asked her why is she calling my husband family looking for me when I did what I was instructed to do via the agreement attached to the check. She was very rude and I asked to speak to a manager. I spoke with XXXX who at the time stated he was the manager then I later received a call from the real manager XXXX. Also a call from the DM who was rude as well and would not answer the question of my am I being penalized for doing what was instructed for me to do. I spoke with XXXX at another location who stated that she did n't agree that they used designated search engines to find and call around for me when my loan was not due and I followed the instructions on the check but they just needed to verify I cashed the check. I told her well they should have waited like everybody else does to verify once it cleared. The other managers and representative I spoke with could not explain to me why was my info being pulled as if I was in collection or delinquent on my account because they brought false info from the credit bureau. They should have just waited until the check image loaded and contacted the number on the back of the check as instructed. Instead of harassing my family members as if I was not paying my bills.. I feel they have violated some type of best practices in regards to violating my information and using in a matter that is unlawful. If they are going to mail out instructions to adhere to then they should adhere to them as well, I gave them no permission to contact anyone on my behalf and violate my financial privacy because of the information they brought from the credit bureau was incorrect on there end. This incident left my great grand mother scared and upset that something serious was wrong due to the conversation she had with the representative that contacted her because she could not comprehend fully what was going on due to her condition. I was not in default or delinquent so these types of actions should not occur.
Product: Checking or savings account

Permanently limited account due to POSSIBLE but unsure risk of fraud and multiple accounts that arent mine, that are marked as fraud. 

I sold crypto funds to PayPal balance and have a large history in activity page to reference the pattern.. then randomly I had deposited crypto from my external wallet into PayPal and now its stuck since i sold it Dont want or need a account with PayPal anymore. Moving forward, these are my crypto funds and I dont think its fair that I have my funds held for a exceeding time
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( EQUIFAX and XXXX ) .They have failed to remove information that was violated with personal details that were challenged in the past. Some of the account are closed and should not be there. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I am very ambitious, determine and would hate to quit school now just because of this matter. 

I am currently a XXXXl student ( I am about to XXXX ) I have already reached my max credit limit for subsidized and subsidized loan which makes me eligible to apply for Plus loan ... ..Well, I got denied simply because of my adverse credit. I need to fix these first before I can continue. I am aware that some of those are correct but I have also noticed inaccuracies.
Product: Mortgage

My mortgage was bought by Nationstar Mortgage on XXXX XXXX 2015. I was notified by the previous Mortgage holder ( XXXX ) that it was sold and to make the next scheduled payment to them as I was to be receiving a welcome packet from them " any day ''. I never received the packet and it took hrs on the phone with Nationstar to attempt the payment with negative results. I had to go back to XXXX to make the payment. Through XXXX my new acct number for Nationstar was obtained. Since that payment, I have received over XXXX phone calls to my residence from Nationstar. The person calling identifies him or herself as a rep from their Company and asks for my SSN, DOB and other sensitive information. They advised me it was for their debt collection bureau. I told them I pay my bills on time and asked to speak to their supervisor and they wouldnt put one on the phone. I have received at least 3 calls a week from private numbers, different XXXX and XXXX numbers all stating the same. They stated they will not be stopping until they update the information for debt collection regardless of the fact that I have made each and every payment for both this current mortgage and my previous home 's mortgage on time. I finally received the welcome packet from Nationstar this week..It has been about 4 weeks since they have held my mortgage. I never asked for their service and I dont like their company. I am being harassed now by a Company in their efforts to update their debt collection records and I have no issues paying my debt with them even though I have never asked for their service. They are rude. They are violating Penal Law section 240.30-1 in the NY State Penal Law where as their calls are both unwanted and annoying, repeated and alarming. They need to be stopped as they are effecting the quality of life in our home. Making us shut our phone off and ignoring phone calls. WHY and HOW do they get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela DE posted two negative accounts on my credit report for a student loan that I don't know anything about. The first time when their representative called me to pay Mohela for student Loan, she asked me for my birth date. I said I don't have any account with Mohela I never signed any application form for student loan with Mohela. Please, send me the application form that I signed for Student Loan with Mohela.

The second time, I spoke with XXXX from Mohela. XXXX asked to send my signature to Mohela. I sent the color copy of the first page of my valid passport with my signature, the color copy of my social security Card with my signature and the copy of my driver license with my signature.

After receiving those copies, Mohela told me they need a more recent copy. I said I do not have recent copy.

Despite my effort, Mohela is keeping two negative accounts on my credit report. I think It is predatory to mess up the credit report of a customer without verification Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Debt collection

This company calls my house non-stop, only letting the phone ring one or two times. When I answer the phone get a tone like someone hung up.
Product: Checking or savings account

I have an account with the online " bank '' Current ( through XXXX XXXX XXXX ) - they provide me with an online free checking account that I pay XXXX/month to access premium features, including a debit card, direct deposit, bill pay , p2p transfer, and even a nifty feature called SAVINGS PODS. It's not an official savings account. You can't keep more than XXXX in one, and you label them things like Groceries or Vacation and set little savings goals. You can also have purchases rounded up and change put it into one. Anyway, my unemployment has been going into my Current account and I decided to seperate some into the Savings Pod so it would be less tempting to spend. They are advertised as something you can move funds to and from anytime for whatever reason. There's no maturing, there's no only 6 transfers a month allowed or anything like that. So here I put {$500.00} in a savings pod a few weeks ago and I have been trying to transfer it back into my checking account for the last week or so and the app gives me an error saying to contact support. Well I contact support through livechat which is the only way and they all say the same thing : a supervisor will have to review this. Or it's been escalated to management. Every day for the last week I'm reaching out to these people. Live chat, website contact forms, letters in the mail. NOTHING! Nobody can give me any answers and nobody will let me talk to a higher up. Nobody seems to know anything. What I do know is my Current checking account is XXXX and I can't put gas in my car or eat because there's {$500.00} of my own money in some stupid savings pod in their app that they will not let me access nor provide any reasons or explanations. So Every day on chat, support tells me management will fix it and email me. It's been over a week and I've heard nothing. I log into the app and see my negative balance but then I see my savings pod with {$500.00}. Please help.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unlawful Reinsertion of Inaccurate Information Dear EXPERIAN XXXX XXXXXXXX XXXX XXXX, I am writing to formally dispute the reinsertion of inaccurate and unauthorized information into my credit report. Specifically, the account related to XXXX XXXX XXXX has been previously deleted from my ( XXXX ) credit file but now appears in my Experian credit file. There are XXXX XXXX XXXX XXXX accounts with different account numbers that are listed in my Experian credit file, further exacerbating the inaccuracies in my credit reports. 

The reappearance of this account and the existence of duplicate records are clear violations of the Fair Credit Reporting Act ( FCRA ), which prohibits reinsertions without proper certification of accuracy and prior notification to the consumer. 

As the rightful owner of this credit report, I have provided supporting documentation to ensure a thorough investigation. 

Please find enclosed the following : XXXX. A notarized letter confirming my intent to pursue legal action if this matter is not resolved promptly and appropriately. 
XXXX. A notarized formal complaint detailing the violations and issues with my credit report. 
XXXX. A copy of my drivers license as further proof of my identity. 
XXXX. A copy of the official report from IdentityTheft.gov to corroborate my claim and ensure no fraudulent or unauthorized accounts are associated with my file. 
XXXX. A copy of my Social Security card for additional identity verification. 
XXXX. Proof of address, including a recent utility bill, reflecting my current and only address at XXXX XXXX XXXX XXXX, where I have lived for the past several years. 
XXXX. XXXX complaint I respectfully request the following actions : XXXX. Immediate removal of the XXXX XXXX XXXX account and its duplicate account from all credit reports. 
XXXX. Immediate deletion of any outdated or incorrect addresses, ensuring only my current address, XXXXXXXX XXXX XXXXXXXX XXXX, remains. 

I also want to bring to your attention the recent Experian lawsuit ( dated XX/XX/year> ), which emphasizes the importance of adhering to FCRA guidelines and the legal consequences of failing to protect consumer rights. 

Under Section 611 of the FCRA, you are required to investigate and resolve this dispute within 30 days. Failure to comply may result in legal actions being taken against your bureau, including, but not limited to, statutory and punitive damages. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Notarized letter confirming intent to litigate Notarized formal complaint Copy of drivers license Official report from XXXX XXXX of Social Security card Proof of address ( utility bill ) BBB complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXXXXXX