23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i have a bad situation here. After Loan Depot processed my loan in XX/XX/2020 I logged into their payment portal and made a payment for {$4000.00} successfully. Half of it was applied to the principal and even their system shows that. But when I logged in today ( XXXX ) to make another payment the portal didn't allow me. I called their customer support and after being on hold for 30 minutes I spoke to someone name XXXX. She was very helpful and patient with my situation. After 1.5 hours of talking to her though she told me my account has a " Bad Stop '' on it because of bad checks, insufficient funds, bad social security, and more! I have NEVER written a check to Loan Depot. My electronic payment which included extra principal was successful and the Loan Depot portal shows that. She even confirmed my social security is correct so it appears to me someone else 's problem got logged into my account. She finally acknowledged that someone at Loan Depot messed up my account. The case number she gave me is XXXX. My loan number is XXXX. Right now Loan Deport only allows me to send money through a certified check and this is because of Loan Depot 's own mistake, not mine! XXXX said it has been escalated to her manager. I was on the phone for 2 hours this morning. I switched to Loan Depot from XXXX just because of these kinds of idiocracies. The clerk who did this to my account at Loan Depot should be found and coached. It's totally unfair that I have to go through this kind of scary situations with a bad stop on my account just because someone messed up my account, especially after I made my first successful payment. Loan Depot 's mistake is not allowing me make payments while holding me accountable for a payment they don't allow me to make because of the " bad stop '' they placed on my account wrongfully and illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

- In XXXX of XXXX I applied for a loan consolidation through XXXX, to consolidate my loans that were in repayment. 

- On XX/XX/XXXX of XXXX I was approved for a Direct Consolidation Loan in the amount of {$36000.00} from a loan servicer NelNet, to pay my outstanding balance on my federal loans and was approved. 

- Approximately XXXX of XXXX, got a credit alert and received information from US Dept of Education that this loan defaulted.

- Reached out to both US Dept of Education and Nelnet on numerous occasions to resolve this issue and was told by Nelnet that account was in good standing.

- Contacted by US Dept of ED in XXXX of XXXX regarding notice of intent for Wage Garnishment for the balance of the loan. 

- In XX/XX/XXXX I submitted documentation detailing that I consolidated the loan and have been paying on time and was subsequently denied. 

- At this point a different collections agency is attempting to collect on this dept with added fees and interest in the amount of {$49000.00}. I currently have until XX/XX/XXXX to come up with a payment plan or they will proceed with garnishment. 

- Called NelNet on XX/XX/XXXX, talked to a specialist, they stated they don't know how to help and they they paid XXXX/XXXX. They said to reach out to US Dept of ED. 

- XX/XX/XXXX Contacted by assigned Creditor, XXXX XXXX, stating there was an error and I now actually only have until XX/XX/XXXX to come up with a payment plan or appeal the wage garnishment hearing in Federal District Court. 

- XX/XX/XXXX Sent Certified letter to both Nelnet and US Dept of ED Administrative Wage Garnishment group requesting a detailed investigation into all loan accounts associated with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not only failed to respond to dispute letters which I have proof of sending, but now they have failed to respond to a CFPB complaint within the 60 day time limit. Please remove account from my credit report.
Product: Mortgage

I applied for a home loan modification and was denied. In XXXX I was going through a divorce.. That same year I was diagnosed with XXXX. The XXXX treatment ended up causing a XXXX XXXX. Between not being able to XXXX   and the the XXXX treatment I was unable to work for years and was unable to pay my mortgage. 

I am now fine and have been working since the end of XXXX. My income is enough to pay my mortgage payments. 

My request for mortgage assistance was to defer my payments. I just wanted to make good on the payments but just push them to the back of the loan. I wasn't requesting a payment reduction but was still denied.
Product: Vehicle loan or lease

Paid off my loan in full never late capital one reported XXXX late with balance of XXXX XXXX after the account been paid and closed
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my accounts and need to remove from my Credit Report : XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX
Product: Checking or savings account

I mobile deposited a check from a church for {$5700.00} citizens bank told me the check would be clear on XX/XX/XXXX when I called on XX/XX/XXXX to see if the funds were available they then told me another date XX/XX/XXXX I then called XX/XX/XXXX they did not have an exact date for me they told me to try back in a couple business days it is now XX/XX/2022 citizens still has not released a hold from my check deposit The money came out of the churches account on XX/XX/XXXX every time I call citizens Bank to see what the issue is with the check not being available they tell me they cant reach anybody at the church when I am in constant contact with the pastor who issued me the check Ive called the bank and gave them the churches number and the pastor cell phone number citizens still has not released my funds The pastor has tried to call citizens to tell them he issued me the check and the pastor can not get through to anybody at citizens It has been 30 days in the bank is still not gave me my money Please help me my cell phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a ltter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating '' They do not report any bankruptcies to anybody, '' So if that's the case, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is aquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit card

Hello, I entered a XXXX in XXXX with the non-profit XXXX, and they have been so helpful. They have issued every payment as promised. Although my XXXX XXXX, from Continental Finance, has received on time agreed upon payments of {$31.00} from them, they have not taken them off my balance or acknowledged them in anyway. They are also trying to collect from me at the same time, most recently offering a 50 % settlement. I am not interested in that. They should do the right thing.
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX  XXXX Account Number ending in XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX who is the financial institution and the consumer reporting agencies reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 
Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit card or prepaid card

Greetings : My name is XXXX XXXX and I am having an ongoing dispute regarding fraudulent charges posting to a now closed credit card account I had with JP Morgan Chase in particular a Chase Slate CREDIT CARD ending in ( XXXX ). Prior to me closing the account I noticed fraudulent charges being made against the account last year in XXXX around late XXXX or XXXX while sitting at the kitchen table in XXXX, XXXX. The two transactions in question came across my phone from XXXX of XXXX when I immediately contacted the Security Center for Chase and they confirmed these transactions advising me that they were aware of the transactions and that they were investigating the matter as I reported it. They closed that account and opened a new account as ( XXXX ) but without advising me of any steps they had taken to resolve the fraudulent actions coming from a foreign location applied the amounts in question to the new account prior to me activating the new card upon receipt. Therefore, I did not activate the card in my possession and called their fraud unit again to inquire as to those fraudulent charges from a foreign location for which they had completed no due diligence to resolve the matter but attributed it to me without ascertaining any travel information or inquiring whether or not I possessed a passport or traveled outside of the United States. I then immediately disputed those charges and advised the Security personnel that again I was in the state of Georgia when those charges occurred and that I was not satisfied with whatever action Chase Slate had taken to resolve the matter and requested that I receive all information via postal mail because I intended to established a paper trail regarding the matter. Chase was made aware in the beginning that I had always maintained possession of the physical card and had not provided my information to anyone to use. I had already destroyed the ( XXXX ) card in my possession while they were supposedly looking into the disputed charges. This is supposed to be contained on at least two recorded conversations between me and their representatives. I will always continue to assert that these were fraudulent charges and Chase is responsible for allowing these transactions to go through even as I called them when it was in progress. As of now, Chase Slate is impacting my credit report and credit score with fees and negative information listed under ( XXXX ) that is a closed account. I am seeking whatever relief the CFPB is able to provide in assisting me with this complaint. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XX/XX/XXXX @ approx. XXXX ( XXXX XXXX XXXX )
Product: Mortgage

My existing mortgage was being serviced by XXXX XXXX. In 2017, Home Point Financial Corporation purchased XXXX XXXX. My mortgage had been set up for auto-payment with XXXX XXXX. 

About a week ago, I received a notice that my XX/XX/XXXX mortgage payment was past due, and I was being assessed a {$72.00} late fee. I looked into the issue, and it appears that the XXXX XXXX payment system was discontinued and was transitioned to an online portal through Home Point Financial Corporation. I was required to create a new account in the HPFC portal, and my auto payment was not setup in the system. I promptly set up the auto payment in the HPFC portal and submitted my overdue XXXX payment plus the late fee. 

I attempted several times to call customer service at the number listed on the website, XXXX, however I received various error messages or busy tones. I was not able to connect via phone. I emailed HPFC through the online portal explaining the situation and requesting a waiver of the late fee. However, when I received a response a week later, the response only provided my balance due amount and directed me to either call or email HPFC with further questions. I am unable to get through on the phone to HPFC as the customer service number provided, XXXX is not working. Also, there is no customer service mailing address listed on the " Contact Us '' section.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021, three different lenders attempted to retrieve my credit score from Equifax and they all said that my wife 's information is coming up under my social security number. I called Equifax and they informed me that my account is all the correct information. however, Equifax keeps using my VantageScore to verify my information which mortgage companies do not use. The other companies are using Fico. Fico is giving them an error message that states that the SSN does not match. at this point, Equifax refuses to fix my information in their system. I have called 8 times to date without any resolution. now the customer service representatives are hanging up on me or completely refusing to talk while I am on the phone. this is frustrating because I need to close on my house in two weeks and I can not move forward without their cooperation.
Product: Credit card or prepaid card

On XX/XX/2018 I went into agreement with XXXX XXXX XXXX who's Merchant name is " XXXX XXXX XXXX XXXX '' to rent a vacation rental property in XXXX. The agreed amount was {$1500.00} ( {$210.00} per night ) I paid with Capital One Credit card.

I paid to Merchant {$1800.00} including {$300.00} refundable security deposit ( paid in cash ).

The Merchant was dishonest, the property was poorly maintained, dirty, was infested by cockroaches and there was an intense sewage smell coming from one of the bathrooms. We contacted Merchant and asked to correct the problems. They failed to correct the problems. We moved out after one night and we purchased a separate hotel for the rest of our vacation.

Merchant refused to issue ANY refund. They kept {$1800.00}, which is more than agreement. They never refunded me security deposit against their own policies.

I contacted Capital One Visa card. They initially issued a refund. They requested additional information. I sent them pictures, video, a letter describing in details what has happened. I sent the requested documentation by certified mail with returned receipt. Couple days later I called and I spoke with Capital One representative who confirmed that all the documentation was received, the documentation is complete and that I have proven my case.

Two weeks later I've received a letter from Capital One.

Capital One has closed my case, reapplied the charges to my account because " lack of previously requested information ''.

How is it possible that two weeks earlier Capital One confirmed receiving all necessary documentation, confirmed validity and then two weeks later reapplied charges back, claiming they didn't?

Capital One Visa failed to protect me as a customer from dishonest Merchant. They claim they do and that there is {$0.00} responsibility on fraudulent activities. It didn't work in my case.
Product: Debt collection

I keep receiving phone calls everyday because the secured credit card balance is over the limit by {$4.00}. The minimum payment is due on XXXX XXXX, 2016 and it reflects the minimum payment plus the overage amount which totals {$29.00}. I 've been receiving phone calls everyday since the new bill cycle began on XXXX XXXX, 2016, but the bill is not due yet.
Product: Debt collection

On the evening of XX/XX/2019, I noticed a paper underneath my door. As it turns out, the paper was a summons from MIDLAND FUNDING, LLC. However, the summons was not handed to me in-person and thus was issued in bad service. Also, the summons is defective as there is no affidavit in support of the summons, no affidavit in support of the complaint, and no contract attached to the complaint to verify that MIDLAND FUNDING, LLC is legally allowed to collect on an alleged debt. Basically, Midland Funding LLC is not the original creditor. They admit to having bought my debt from another third-party creditor. However, there is no chain of assignment attached to the complaint I received. Additionally, the complaint is not certified or stamped with a seal from the court. Please note that by failing to certify the complaint, the plaintiff has obstructed the rules of the chief administrative judge part 130 : costs and sanctions : section 130-1.1, where it states : ( b ) certification. By signing a paper, an attorney or party certifies that, to the best of that persons knowledge, information and belief, formed after an inquiry reasonable under the circumstances, ( 1 ) the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1 ( c ) .Of this subpart, and ( 2 )  where the paper is an initiating pleading, ( i ) the matter was not obtained through illegal conduct, or that if it was, the attorney or other persons responsible for the illegal conduct are not participating in the matter or sharing in any fee earned therefrom, and ( ii ) the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title.
Product: Mortgage

Two months ago I got behind on my mortgage because of an account the charge on my bank account with out permission and caused a domino effect with checking account payments. I paid my mortgage to ditech and make arrangements to pay and additional amount to catch up. Despite that I received letter several time a week calls and a man knocked on my door and left a Mortgage Due letter on my door. I spoke to a representative who took my complaint about the harassing way I was being treated and she apologized. Because of caring for an elderly parent out of town, I did not make it home in time to pay my XXXX mortgage. I 've attempted to call Ditech multiple time to to make the payment because they will not allow you to pay online unless you pay the full amount. I 've had no call back by XXXX XXXX who received all mu calls on voice mail. Online my bill reflect XXXX unapplied amount in addition to XXXX late fee and XXXX mortgage that I have been trying to pay. What is XXXX unapplied I 'm not going to pay so unapplied amount I am not owing. No one answers XXXX it goes to a voice mail for XXXX XXXX XXXX and he never returns the call. I have been humiliated not being one full payment behind. My payments are XXXX I agree XXXX is due per the letter they send. But if I ca n't pay online unless I speak with someone. The automated line will not accept less then the due. That amount is not right. Charges that are applied as unapplied can not be legal. Please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular SYNCB/OLD NAVY account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.