23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Flagstar Bank denied me a loan modification or hardship. I was unemployed for almost 2 years and tried to get loan modification and did n't hear from them and when I did I was always missing documents even though I did send them. No emails, No phones call and especially no help from them to work something out. It seen they just wanted me to get more in the hole so I could lose my house. I file for bankruptcy to tried and save my house and the fell into XXXX do to a work injury. First my Job relocated and that cut my income and then XXXX I should been eligible for a hardship plan never got the opportunity. I was part of the loan modification lawsuit that they had. My mortgage has an equity of over {$100000.00} thats the reason why they want me to loose my house. I 'm ready to make payments now got a job. Since they always gave me the run around I deserve a second chance they have nothing to loose with my equity and they broke the law.
Product: Credit card or prepaid card

I was aware that I was the victim of identity fraud as someone successfully requested unemployment benefits from the NYS dept of labor in my name. I have since frozen my credit on XX/XX/XXXX with all 3 major credit agencies. I also signed up for credit monitoring. So far no alerts. 

On XX/XX/XXXX, I received a letter from Moneylion with a legitimate appearing debit card. I did not request this card and I have not activated it. From my reading this may be a bait card intended to obtain personal information. I am unable to reach this company as they are difficult to get a hold of and their website does not have contact info that works such as an email.
Product: Mortgage

To Whom it may concern, My name is XXXX XXXX and I am contacting you regarding an issue that I have been having with PHH Mortgage Corporation. My loan number is XXXX. I have recently recieved a forclosure summons from PHH Mortgage Corporation. I have been making my payments, however, PHH Mortgage Corporation is claiming that I have been in default of my mortgage since XX/XX/XXXX. PHH has been rejecting my payments since XX/XX/XXXX for no explanation and without my knowledge. I am attaching a link that contains a record of my bank statements from XX/XX/XXXX to the present date, supporting the fact that I have indeed been making my mortgage payments. Also, PHH Mortgage Corporation is claiming that I owe {$24000.00}, however they only refunded a total of {$15000.00} to me. 


XXXX My payment history according to my bank statements is as follows : XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for payment due for XXXX XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for the months of XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me without my knowledge. In XXXX, XXXX my monthly mortgage payment decreased to {$3000.00}. 



XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX, an XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me again without my knowledge. 



XXXX XXXX, XXXX I paid {$3000.00} XXXX XXXX, XXXX {$3000.00} was refunded to me again without my knowledge. 



On XXXX XXXX, XXXX I was served a forclosure summons. According to my records I have been falsely placed into forclosure of my home by PHH Mortgage Corporation. In conclusion, I would kindly appreciate an investigation to be done so that this matter can be concluded in a timely manner. Thank you for your time and consideration. 





Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a Macy 's store credit card where I have a history of making on-time payments with the exception of 1 month. This occurred in the beginning of XX/XX/2018 as I was transitioning from a long period of unemployment and had just gotten a new job. I reached out to Macy 's in order for them to work with me through this transition and temporarily help me with a lower monthly payment for a few months as I earned an income again. They were not willing to help me during this time of hardship and I could not afford the minimum payment of {$62.00} that was due on XX/XX/2018. At the time that was a substantial amount. I reached out to them with no luck and had to miss the payment.
Product: Debt collection

my debt was sold with out my consent 15 usc 1681 fair credit reporting act
Product: Student loan

Mohela loan servicing allows you to start an auto-pay, but then hides the fact that your next payment must be made manually. After setting up auto-pay, one will receive an email three days later indicating that auto-pay is set up, but must access their messages portal within the Mohela account itself, then download a document and read it to see that you " may '' need to make your next payment manually. There is no easily found indication elsewhere of this, and no decent establishment has such a rule that I know of. I set up my autopay weeks before my first payment ( XX/XX/XXXX, first payment due XX/XX/XXXX ). 

I found out my first payment wasn't automatically made 5 days after it was due. There was no message that it was coming due, nor a reminder that, despite the meaning of auto-pay, the auto-pay wouldn't work the first time. 

After realizing this issue, I immediately made the payment and asked them to backdate it. They replied, well over a month later, and stated auto-pay wasn't set up until XX/XX/XXXX. Obviously untrue, I replied and asked them check their database, including the messages their system had sent me. They have never replied. 

I recognize this complaint will likely not go anywhere, but I do believe that a loan servicer, holding five-or-six figure debts for XXXX XXXX XXXX  of people, making money hand over fist for doing nothing of value, should be held to higher standards than this.
Product: Debt collection

They are XXXX  creditors involved. # 1 is XXXX XXXX XXXXXXXX which I have my mortgage with. I had a credit card with about over XXXX dollars.Four years ago I was and still a single, was struggling to pay and when they started raises the interest, which I stopped charging I called and got NO help he told me they were not going to lower the interest nor cut back on some of the amount. I didn't hear from them for sometime. they had wrote it off. So about maybe XXXX years ago I get this letter telling me my debt was put against my montage this attorney from Louisiana. They kept sending me letters and calling me all the time. I called back no one answered so I left a message You put it on my mortgage so leave me along,,, Oh by the way I didn't get the letter to go to Court in XXXX MS until after the fact No one delivery it to me to pier in court. An Attorney is trying to contact me but it is not the same one I think. Tried to settle with them with XXXX but they didn't respond. I will get the name of the Attorney and all info to contact them. 

# 2 Discover. I have had Discover for many years, after 3 years they started contacting me but in Mississippi I thought was the dead line. Well anyway, I owed them round XXXX they kept jacking up the limit. well I lost my job around 2019? and I couldn't. so I told the supervisor could you lower the amount delete interest and lower it and put my payments at XXXX then when I get on my feet I will pay more. She said XXXX isn't much and she laughed so I know I couldn't pay it. I think it was about last year I told them I said I want to work this out but I couldn't pay but XXXX. So they agreed and I paid it, but they also put the XXXX as a loss then now I paid XXXX they sent me a tax thing and I owe XXXX more for interest, After the already claimed the XXXX as a loss with the interest. this is not far. Like everybody XXXX hit and no one had any money. My son helped me keep a float. I DID GET XXXX  AT THE TIME BUT I AM FINE NOW BUT I AM XXXX  AND I HAVE VERY LITTLE FUNDS. I tried to talk with a Lawyer, but I am not important enough. I tried to speak with someone a Legal Services but that man ( do not remember who he was but he told me there was no one to help. I know I made some of the debts but the interest and maybe some of it, it is not mind. No one at discover or XXXX  XXXX XXXX said they wrote it off and they have nothing to do with it. My question is. If both of the creditors wort it off why are they still coming after me. They got credit It sounds like DOUBLE JEOPARDY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In a letter dated XX/XX/XXXX, XXXX XXXX A Department of Education Servicer for Federal StudentAid, An OFFICE of the U.S. DEPARTMENT of EDUCATION, informed me via email that the Biden-Harris Administration had forgiven my federal student loan ( s ) in full as of XX/XX/XXXX. And, XXXX has notified, or will notify by the end of that month ( XX/XX/XXXX ) all national credit bureaus of your student loan forgiveness. This has not yet occurred. Even after disputing the information and providing a copy of the forgiveness letter, all XXXX of the major credit reporting bureaus still show the account as active with a balance.
Product: Student loan

MOHELA has changed my student loan payment amount three times now without notification. They have also switched me between XXXX  and admin forbearance without notification. I set up autopay and then they more than double the due amount before my first payment was taken out. I checked the website two weeks before my XX/XX/20 autopay date to verify the autopay was still set up correctly to my checking account and it was {$260.00}. This was after a changed from $ XXXX  months prior. When I checked my account today to ensure the autopay was processing and they didn't switch me back into forbearance again, I see the payment due is now {$560.00}. No notification about this and now the payment will be declined as I did not plan for this amount. 

I am also unable to get through to speak to customer service rep multiple times despite being on hold for hours. I have sent messages with an automated reply saying give them 14 days to respond, yet it has been months without a response. So I have no way of getting answers. I work a ton and do not have time to wait on the phone for hours or check my account weekly in case they continue to make changes like this with no communication. 

This is causing a ton of undue stress for months while I am working XXXX hours a week making limited government-funded residency pay while trying to train to be a physician. I wish there was another company to service my federal student loans.
Product: Money transfer, virtual currency, or money service

I am not getting access to my funds from binance, and they are not responding to any of my tickets or escalation request. 

Ticket # XXXX https : XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX ( XXXX U.S.C XXXX XXXX ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XX/XX/XXXXRaccount # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' account # XXXX all XXXX XXXX XXXX account # XXXX are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX " XXXX '', XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states 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 moreover than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate.
Product: Credit card

On XXXX Old Navy-Gap Navyist closed my credit card because they said I missed 4 payments. They claimed that they sent the credit card statements to my email address ; however, I never received them. When I asked them what email address they had on file, they couldn't provide me with the correct email address. My email is XXXX. They have the correct cell phone number XXXX, but the incorrect email address, which explains why I have not been receiving my statements. The solution is for them to reopen my account and send the statements so that I can bring my account in good standing. 

Navyist RewardsXXXX XXXXXXXX Company address and phone number are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX
Product: Debt collection

After reviewing my credit file I noticed a collection debt listed for the amount of XXXX ( Ref ID XXXX ) that did not owe, or have any knowledge of. On XX/XX/21 I contacted Resurgent Capital Services requesting validation of this debt. As of date XX/XX/21 I have not received validation or any response for that matter. As per The Fair Credit Reporting Act.Resurgent is in violation of the 30 day time limit to validate a debt and the debt must removed and cease being reported to all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. My Social is XXXX My D.O.B is XX/XX/XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX claim I made a late payment which in XXXX. I have disputed this twice because they have not been able to provide accurate documentation to prove how much I owed at the time of lateness and which month exactly I was 30 days late. They also report different months of lateness to all 3 credit bureaus as showed in the attached document. They report a follows : XXXX : XX/XX/year> Equifax : XX/XX/year> XXXX : XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong info on XXXX  card and employment information and hard inquiries
Product: Credit reporting or other personal consumer reports

Looking at my credit report i see an account that does not look accurate. I would like to have this investigated because is is affecting me getting credit. I need this account to be investigated for accuracy. Below is the account that i need investigated for complete accuracy. 

Account- XXXX XXXX acct # XXXX
Product: Mortgage

Received a letter from XXXX XXXX  dated XX/XX/XXXX, informing me that our two mortgage loans were being sold to Shellpoint Mortgage Servicing and that payments due after XX/XX/XXXX, should be sent to Shellpoint. 

I waited until the XXXX to hear from Shellpoint but received no further information. I called them on XX/XX/XXXX and was informed that I should wait until they send me their first monthly statement. They said we have a 60-day grace period to make payment due to the transfer of servicers. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  with no return address or other contact information. This letter told me to make the mortgage payment to XXXX  XXXX  and further, said, PLEASE DO NOT MAKE PAYMENTS TO THE NEW CREDTOR. I immediately paid XXXX XXXX  electronically, for both loans. 

On XX/XX/XXXX, XXXX XXXX  returned on payment of {$1800.00} XX/XX/XXXX email today, I received an email from Shellpoint saying they have no record of my payment for loan # XXXX. There was no further information as to what property it related to or, how much I owed. I tried several times, to call Shellpoint 's contact number ( XXXX ) as posted on their website as well as on their email. Each time, an automated message told me that this is not a working number. 

AT NO TIME THUS FAR, have I received any communication ( except email on the XXXX ) from Shellpoint, to inform me as to where I should pay and what reference numbers I should use.
Product: Debt collection

I hereby address the Consumer Financial Protection Bureau for help on the permanent removal of an old authorized user account that is still showing on all of my credit bureaus from Synchrony Bank. Back in XXXX my boyfriend at that time placed me on his account to help me build my credit scores. We terminated our relationship in XXXX. I asked him to be kind enough and remove my name from that account, as I was never a responsible party. His name is XXXX XXXX, and he claimed that he removed my name as an authorized user back in XXXX. This account is still on each credit bureau, and I need it removed permanently. 

XXXX XXXX
Product: Debt collection

On XX/XX/year>, a number showed on my called ID as being from XXXX XXXX. When I answered the lady stated my name and then without any other verification proceeded to tell me that her company, which she didnt state the name of, will be taking legal action against me. I hung up and XXXX  the number because XXXX XXXX, which I am a XXXX  at, has no reason to tell me that they are pursuing legal action against me, and it stated that this number belongs to Midland Credit Management.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds in 24 hours stating the account is accurate, without any evidence of a thorough investigation. This practice violates the Fair Act Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025 - CFPB - 0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I asked to be showed where I made a purchase from per debt collector or where myself and debt collector have an agreement of purchase by my signature and dated between myself and debt collector.
Product: Student loan

FSA User ID : XXXX I would like clarification on the 90-day and 120-day late payments that Navient are reporting to all 3 major credit bureaus ( XXXX, XXXX, and XXXX  ). I have a federal student loan ( FFELP ) backed by the Department of Education ( Sallie Mae ) and per the C.A.R.E.S. Act - Coronavirus Relief, student loan payments have been paused/extended beginning XX/XX/XXXX until XX/XX/XXXX. However, Navient continues to request monthly payments from me ; they continue to charge daily interest ; and every month I receive payment reminders and no-payment received notifications. Since Navient is the servicer of my federal student loans, I feel as though my student loans should be eligible for the relief, regardless of how Navient categorize them. Per the Coronavirus Relief, Navient should stop collections on defaulted loans ; my loans are and were in default at the time the president signed the C.A.R.E.S. Act into law. Therefore, Im thinking that Navient should not be requesting payments from me at all on my federal student loans until after XX/XX/XXXX. 

The Dept of Education reports my Stafford loan as 2 separate loans - subsidized and unsubsidized, while Navient reports the same loans according to the date payment was made to the school, XXXX XXXX ( see attached ). Arent they the same loans? I only applied for one student loan on FAFSA. I am confused as to why one would be eligible for the pandemic relief and the other would not since they are one in the same.

Lastly, according to the Coronavirus Relief, under Which Loans Are Eligible for the 0 % Interest Rate, I feel that my FFEL loans are eligible for the relief. It states : FFEL Program loans owned by ED ( defaulted and nondefaulted ) AND - Defaulted FFEL Program loans not owned by ED.