23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER did n't replying in a timely manner to my letters, or have they to date after  4  certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that th ey may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( o r in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am have a pending lawsuit against  XXXX ,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when  Discover  did not reply.     I tried to sue already but I had put the wrong reason I was suing on court documents so I have a new pending litagation
Product: Debt collection

In XX/XX/XXXX I filed a Chapter XXXX Bankruptcy XXXX has since then violated my Bankruptcy plan on my loan that was reaffirmed by the debtor with reaffirmations signed by the creditor and debtor and was part of my confirmed plan. XXXX has since the reaffirmation signing in XX/XX/XXXX placed forced placed insurance on the property creating a bill for the debtor in XX/XX/XXXX while the debtor was under a federal stay not disclosing this action to the debtor or petitioning the court to allow this bill in the debtors plan this as a violation of 524 injunction. After the case was closed in XX/XX/XXXX XXXX paid off the debtors tax contract on this property which was part of the debtors confirmed plan and then added that debt to a escrow payment created for the already illegal insurance this was also a XXXX injunction. XXXX continued violating the plan by sending the debtor monthly bill statements with the discharged debt listed on the statements as still owed and in two payoff quotes. Seterus in the foreclosure case on my home listed the discharged debt as deferred debt owed in the case. XXXX has responded as follows : XXXX 2Day Delivery XX/XX/XXXX Loan numbers : XXXX, XXXX and XXXX Serviced by XXXX XXXX XXXX . 
Dear Mr. XXXX : On behalf of XXXX XXXX XXXX, I am responding to your correspondence submitted to the Consumer Financial Protection Bureau regarding the above-referenced loans. 
Please be advised that we have referred this matter to outside counsel. As such, we have provided a copy of your correspondence to the Consumer Financial Protection Bureau to our counsel, Manley Deas & Kochalski LLC for a response. Should you have questions or concerns you may contact Manley Deas & Kochalski LLC directly at XXXX. 
Sincerely, XXXX XXXX Consumer and Government Affairs XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX I have not gotten a response from Deas & Kochalski
Product: Debt collection

XXXX XXXXXXXX, A health club in XXXX, New Jersey went out of business during the pandemic. 
I was a member. When they went out of business I canceled my membership and canceled my reoccurring payment with my credit card company. 
After they were out of business, XXXX XXXX, another health club took over the facility. I have been contacted by a law firm representing them in order to collect what they say is a debt of {$140.00} I have no business or contract with XXXX XXXX. I have not been to a gym nor do I intend to go to a gym because of the pandemic. 
XXXX XXXX  continues to try to collect this debt which I do not owe them.
Product: Mortgage

Bank of America offered me a loan modification whereas I was supposed to make 3 trail payments of {$280.00} for XXXX, XXXX and XX/XX/2018. I sent each monthly payment ON TIME and completed the trial payments. But when told that my payments would only be reduced by a few dollars, I declined the modification and sent the difference to restore my payments to the original amounts of {$300.00}. 

Bank of America held those payments instead of applying them ( as you will see on my statements ).  Then they reported the payments late to their own collection department and to the credit reporting agencies. I have called them several times to resolve the issue, and sent letters by mail, and by fax ( which I still have proof of ). I was told to give them time to correct this information. But it's been over a year now. 

While applying for loans to lower my rate, I've discovered that this incorrect information about late payments is still showing on my credit reports. I am trying to get it removed by contacting the 3 agencies separately. But this information has prevented me from being approved for loans.
Product: Mortgage

I was involved in a very XXXX accident in XXXX 2015. This began a downward spiral for me -- I was unable to work after 25 years as a XXXX XXXX. I had to wait nearly 10 months for my workmen compensation to be approved and had no income during this time. And this led to me defaulting on the mortgage loan for my manufactured home that I have owned for over 20 years. I have tried in vain to get Nationstar Mortgage to help me get back on track with this loan but it seems to me that the agents at Nationstar are vague and dishonest. I can not get a hold of anyone who knows anything about my mortgage. I have no assigned dedicated contact, and get transferred from department to department when I try to work to resolve my mortgage delinquency. The people at Nationstar say they will help, but it is just lip service and nothing actually happens. Now I have a foreclosure sale date set for XXXX XXXX. 

I ran into problems when I was involved in a XXXX accident in XXXX and ended up with a XXXX XXXX and XXXX as well as XXXX problems. To make matters worse, when I got back to XXXX I discovered that my mobile home had been broken into and my belongings had been stolen and the place was trashed. Due to the injury I was unable to work. I had been a XXXX XXXX for 25 years, but it took nearly 10 months to get approved for workmen 's compensation so I literally had no income during that time. I used what savings I had to keep up on the payment but eventually fell behind. 

I am now receiving SSI and have enough income to afford a fair mortgage payment. The problem is that I ca n't even get Nationstar to give me the time of day to look at my situation and review me for available programs. I have tried to resume making payments but am told I have to reinstate all missed payments at once -- I am not able to do this. However, I do have the means to afford a fair and reasonable payment if Nationstar were to conduct a review of my current financial circumstances. Why am I not being considered for a modification, or a forbearance agreement or a consideration for putting the late payments back into the balance of the loan? Why has Nationstar not assigned a point of contact and turned their back on me,? I also believe that Nationstar is violating the law for XXXX Homeowner 's. I have been told that they are required to conduct a review of the current financial situation of the homeowner before they foreclose ; this has not happened in my case, and I am filing a complaint against Nationstar to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Product: Student loan

My name is XXXX XXXX. I took my loans out when I was a student at XXXX University. I was an education major and upon graduation got a job at XXXX XXXX XXXX at which point I began to repay my loans. At the time my loans we're being serviced by XXXX. I consolidated my loans as per the advice of the company servicing my loans. XX/XX/XXXX my loans we're handed over to navient which is where they are being serviced now. I reached out several times about the federal loan forgiveness program in which I was advised I would be eligible for however after making payments all of which we're on time from XX/XX/XXXX to XX/XX/XXXX I was just made aware that I am not eligible by Navient. I received and continue to receive incorrect or inaccurate information from Navient which is now leading me away from being eligible for the student loan forgiveness program I was trying to be part of. I have tried to call the federal student loan forgiveness program to see if there is anything I can do however when I consolidated my loans apparently I needed to do so under a different loan category called direct loan. I was obviously never made aware of this when I made the decision and was never made aware of this even after I made this decision. Only now, did Navient make me aware however they also said that my 120 payments that I made which would qualify me for the forgiveness program would be reset if I re-consolidated to direct loans. I feel so disappointed that the company hired to service my loans and act on behalf of my best interest is not and did not do so when the timing was so crucial. Unfortunately, there is no company or department out there that is able to hold companies like this accountable for their lack of knowledge or for providing customers with incorrect information. It seems to me that I am not the only person that was mislead. The problem is now that according to Navient and the Federal Loan forgiveness dept, it is too late to make any changes that will allow me to be eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to discover financial services about an account that they are reporting on my credit report that I have no recollection of on XX/XX/2019 i had an affidavit signed and mailed to discover financial about the account ending in # XXXX on XX/XX/2019. I still have not got a response from discover financial only update i seen on my credit report was that the account was charged off instead of being deleted I will attach proof of the date my affidavit was created and also that the account was charged off instead of deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I never provided Experian with consent or authorization to disclose pertinent information on my credit file reflecting inaccurate information. All in good faith and with full disclosure, this is a matter of importance that needs to be addressed immediately. 

As per 15 USC 1681s-2 ( 2 ) a -Duty to correct and update information - Late payments are considered transactions and experiences which have to be excluded from credit reporting, regardless of said company providing the information. 

Accounts with late payments : XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Student loan

On XX/XX/XXXX, I have submitted at payment of {$2500.00} to EDFinancial. I receive the confirmation from EDFinancial that my payment has been sent. I check my bank account on XX/XX/XXXX to see if my payment has gone through. It has. It is no longer processing on my end. I check the EDFinancial website to see if they have received my payment. There was nothing. I call their customer service. The customer service representative tells me my payment can not be received because I am in student standing. I tell them that I am paying my subsidized loans to not gain interest over the next year. They change their answer to the fact that I have to wait XXXX business days. It is now past XXXX business day, I still see no payment on their end and have to pay back student loan amount that I have started with before my payment. It is now XX/XX/XXXX, and nothing is on their end. I just want to confirm that my payment has been received and for it to reflect it on their end and the other government websites.
Product: Mortgage

In accordance with CFPB 's XXXX advisory against FDCPA ( Regulation F ) violation relevant to time-barred debts, we are requesting that CFPB investigate this matter to ensure that Nationstar does not move forward with an illegal foreclosure of a deed of trust that is time-barred and void for other reasons. 

We purchased our home in XX/XX/XXXX. The current issue is relevant to illegal refinance of an alleged loan in XX/XX/XXXX. This complaint is against the alleged servicer Nationstar Mortgage, LLC ( a/k/a Mr. Cooper ). 

Even though the deed of trust is time-barred and void because 15 years has gone by since acceleration of the alleged loan on XX/XX/XXXX, Nationstar Mortgage, LLC ( " Nationstar '' ) is attempting a foreclosure on our property on XX/XX/XXXX without sending us a notice of sale ( we refute that we are in default on a loan owned by Nationstar, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , as trustee for any trust ). Although we have repeatedly communicated with Nationstar and its agents that pursuing foreclosure on a time-barred deed of trust is in violation of Va. Code 8.01-241, Nationstar persists in threatening foreclosure without giving us a valid reason why they are not violating the law. 

Furthermore, the foreclosure attempt is also illegal because the deed of trust is also void due to its material unauthorized alteration and tenancy by the entirety. In bankruptcy court, on XX/XX/XXXX Nationstar admitted that XXXX XXXX XXXX is the only party to the note and deed of trust, and that XXXX XXXX XXXX, was subsequently added to the deed of trust after the loan. The deed of trust shows that XXXX XXXX ' name was handwritten onto the deed of trust after we were misled into signing the deed of trust on an illegal loan. At the time that we unknowingly signed the illegal deed of trust, XXXX XXXX 's name was not handwritten on the deed of trust. The handwritten addition XXXX XXXX ' name is not initialed by XXXX, which prove that we did not authorize the change. The title document processed after the deed of trust was recorded in the XXXX XXXX XXXX XXXX XXXX also shows that XXXX XXXX XXXX was the only grantor on the deed of trust. Therefore, the deed of trust is an illegal contract because of the unauthorized alteration and pursuant to tenancy by the entirety. Under tenancy of the entirety, XXXX XXXX did not convey title in the property, which makes void the deed of trust from inception. 

In addition, the foreclosure attempt is also illegal because the note and deed of trust are also illegal and void contracts given that the original refinance was illegal. Therefore, the subsequently filed assignment of deed of trust and substitution of trustees documents in XX/XX/XXXX and XX/XX/XXXX are also illegal and void.
Product: Debt collection

On the XXXX XXXX XXXX I was called while I was abroad in XXXX. 
A country well known internationally for scammers stealing people 's private personal information and using it to scam people out of their hard earned money. 
As soon as the representive call me from XXXX XXXX, and started to tell me the call is being recorded and is an attempt to collect a debt. 
I told her I was not in the united States and can not talk about the matter until I returned to the XXXX. 
She started to read out by personal information over the phone. 
Like my full name, my address, my phone number and my social security number. 
I asked her several times to stop as I 'm not on a secured line and my information can be stolen by scammers in XXXX. 
She refused to stop and continued, she kept talking over me, and kept saying it any ways. 
Wnen I realized she was harassing and battering me I cut the call for fear of her releasing further information over the phone.
Product: Debt collection

Started receiving calls yesterday from  XXXX . The person calling said his name was  XXXX   XXXX  and was with the litigation department at  XXXX   XXXX   (   XXXX  ) and  XXXX . Said a claim was filed against me in  XXXX   XXXX  and that I could call back to make retribution out of court. He called again today and provided the birthdate of   XXXX   XXXX   XXXX   which is not my birthdate. He said that I was the sole defendant and today was the final notice. It  may  be a scam or they have the wrong person.
Product: Student loan

Great Lakes Student Loans has been servicing my federal loans for several years now. I have been making large, timely monthly payments for the past two years. At the beginning of XXXX, with enough money saved up, I decided to pay off my smallest federal student loan. I called Great Lakes customer service and woman explained to me that I would have to make an online payment, but that she would make a " note '' in my file for how the payment should be allocated to the smallest loan to pay off the balance. She told me this would take XXXX5 business days. I checked one week later and my payment had been allocated equally among my XXXX federal loans. I called the Great Lakes customer service department again where a woman explained that sometimes it can take up to 10 business days for this to be allocated correctly, but that it would be allocated to the correct account going back to XXXX XXXX. 

I checked this morning and saw that while Great Lakes had allocated my payment to the correct loan, they had taken out my monthly payment from the large loan payment made on XXXX XXXX, despite the fact that my monthly payment was not due until the middle of the month. I called the Great Lakes customer service department AGAIN, when a customer service rep tells me that we ALWAYS have to make the monthly payment PRIOR to making ANOTHER payment to pay off a loan. Not only had this not been communicated to me EITHER time I called, Great Lakes informed me that this " monthly payment requirement '' is counted by the MONTH and NOT the billing cycle. So, even though I had made a $ 500 monthly payment in the middle of XXXX, since I wanted to pay off my loan on XXXX XXXX, I would have had to make ANOTHER {$500.00} payment in XXXX in addition to the {$4000.00} payment I had planned to make to pay off my loan. This is high way robbery of students who are working hard to pay of their loans ON TIME and AHEAD OF SCHEDULE. It is n't enough to not " communicate '' these necessary pieces of information. In order to FULLY pay off the loan, I was forced to pay ANOTHER {$360.00} TODAY. 

I expected so much more of a company that is servicing federal student loans. This is absolute XXXX that I have to call a company FOUR times to properly apply MY payment to the appropriate loan. Meanwhile, making hundreds of dollars of interest in the " confusion. '' Great Lakes MUST change this. Students should be allowed to pay off the balance of ANY loan at ANY time and not jump through rings of fire to do so. They need to change their website so that students can select which loan they want to pay-off and give them the capabilities to do so. Great Lakes needs to apparently TRAIN its customer service representatives so that they know " key '' pieces of information like the calendar month payment requirement. 

It truly is unbelievable how difficult this process was and all I was trying to do was pay-off the balance of XXXX of my loans. Great Lakes should be be ashamed.
Product: Credit reporting

TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the student loan accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.
Product: Vehicle loan or lease

I was involved in a car accident in XX/XX/. The car was declared a total lost. The adjuster from XXXX XXXX XXXX XXXX XXXX handled the payment of the vehicle. There is currently a negative reporting on my credit report stating that there is a balance owed. There is no longer a balance on the car. I no longer have the vehicle and it has been paid off via the insurance adjuster. Please correct this on my credit report with all three bureaus. It is negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TRANS UNION XXXX VIOLATONS Fair Credit Billing Act FTC VIOLATIONS
Product: Checking or savings account

WELLS FARGO CLOSED MY ACCOUNT WITH NO VALID REASON THEY HAVE XXXX  ME
Product: Mortgage

On the evening of  XXXX  spoke with a loandepot rep. about refinancing home. Allowed rep to charge my card for credit report. Was asked to submit documentation such as  XXXX , pay stub, bank statements. Which i did not, wanting to look over terms and conditons. After looking over terms and conditions. Contacted rep via email and phone notifying them i was no longer interested in their services  XXXX  in early am. At  XXXX  pm loandepot still charged my card  XXXX  for an apprasial. Contacted rep again to clarify me not wanting the refinance.  XXXX  in early am receive an email with document asking me to sign and lock in agreement