23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven that  USA F unds is using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Origin ally USA Funds  were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now USA Funds play a musical chair approach by seeing if another debt collector named  XXXX   XXXX ,  XXXX  will try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jersey.  XXXX   XXXX ,  XXXX  is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got NAVIENT fired by the United States Department of Education as a sanctioned debt collector, and  XXXX   XXXX   XXXX  has no authority from any federal agency to collect on behalf of the taxpayers of the United States.  XXXX   XXXX   XXXX  is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY  XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX  IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRAC TICES ACT 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST  XXXX   XXXX   XXXX  ILLEGAL COLLECTION PRACTICES!!!    XXXX   XXXX   XXXX  MUST PURGE MY FILE PERMANENTLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please update ASAP.
Product: Mortgage

NewRez/Shellpoint Mortgage took over my loan in XX/XX/2019 from bankrupt XXXX. They claim missing payments for either XXXX / XXXX, reporting me as delinquent even after I submitted proofs of payment during the transition months of XXXX, XXXX and XXXX. I reported them to the XXXX XXXX XXXX, but they insist I'm defaulting even after I submitted another six months of payment details. I called the company again, leaving a message but have not heard back. I need help, please!!!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I placed an order on XXXX for a starter and related auto parts on order XXXX, I also placed order XXXX for additional parts for the starter. I took advantage of the Affirm offer of monthly installments for about XXXX per month in order to pay for these items. Affirm loan details are below : Loan Amount : {$100.00} TOTAL INTEREST ( 22.53 % APR ) : {$3.00} TOTAL OF PAYMENTS : {$100.00} LOAN ID : XXXX Because I returned all these items back to XXXX, I did not make any payments to the above loan. I have disputed this loan at least three times, with Affirm and I have provided the proof of the returns to XXXX. Nonetheless, Affirm keeps this account open and has filed a late payment report to the credit bureaus that has affected my perfect payment history for over 20 years!!! Affirm will not close this account and has asked me to pay the account in full during the investigation but there should be no investigation because I provided them with the information they need to confirm the items have been returned and close the account. Instead, they continue to attempt to collect on the account and have again, reported this incorrect information to the credit bureaus about this open account which now appears to be fraudulent!
Product: Mortgage

This administrative complaint is filed on behalf of the complainant by her advocate. The complainant has limited English proficiency. 



The complainant was a self-employed hair stylist for many years. The ongoing worldwide COVID-19 pandemic forced her to close her business. She was approved for a forbearance on her mortgage loan for XXXX through XXXX. XXXX, SN Servicing Corporation representative, told the borrower to apply to have the forbearance payments added to the back of the loan after XXXX. The borrower applied to have her forbearance payments added to the back of the loan, but XXXX was no longer available, instead she worked with XXXX. XXXX was short tempered and negligent in clearly explaining the forbearance options, provide investor information, or explain the borrowers right to authorize a third party. 



The borrower submitted multiple applications to add the forbearance payments to the back of the loan. Correspondence regarding the forbearance application was sent to the borrower in English. She did not understand why she was offered a repayment plan instead of adding the payments to the back of the loan. She tried to authorize her daughter, but XXXX repeatedly said no, without explaining that a third-party authorization form needed to be submitted. The borrower feels that XXXX actions were inconsiderate of her obvious language barrier. Additionally, instead of explaining why the forbearance payments were not added to the back of the loan, XXXX repeatedly told the borrower to submit a new application. The borrower lost count of how many times she applied before XXXX told her the investor of the loan wasnt willing to add the forbearance payments to the back of the loan. The borrower asked for the investor information. XXXX told her to re-apply so they can re-review her, instead of providing the investor information. The borrower re-applied. The investor refused to put the missed payments to the back of the loan again. 



Never once did XXXX, nor anyone at SN Servicing Corporation, explain to the borrower that not all mortgages are protected under the CARES Act. The borrower believes information was purposely withheld as a tactic to lead her to foreclosure or force her out of her longtime home. Should SN Servicing Corporation representatives have clearly explained the realistic alternatives, the borrower would have been more cautious in accepting a forbearance plan. The borrower would also like to have CFPB be aware that SN Servicing Corporation is not offering reasonable options to homeowners who were directly affected by the on-going worldwide pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Product: Checking or savings account

I noticed a fraud charge of {$2200.00} in my business account ( XXXX ) at XXXX a.m. on XX/XX/XXXX. 
I did not approve this charge. 
The charge was made by XXXX XXXX XXXX. The company processes credit card payments. I never approved this charge. 
I contacted BofA immediately at XXXX a.m. on XX/XX/XXXX and was told to wait until the charge posted on XX/XX/XXXX. 
I filed the XXXX form on XX/XX/XXXX. 
I made mistake on the bank account number and refiled the claim the following Monday, XX/XX/XXXX with all of the accurate information. I submitted a photo by email to the BofA ACH fraud claim email. 
The form indicates that I should wait 10 days. 
I waited 10 days and did not receive any information nor a CLAIM NUMBER. 
I went in-person to the bank on XX/XX/XXXX. They did not give me a claim number nor tell me I needed one. I told them we should FAX another claim, which we did. 
I was then informed by the bank that it would take 45 days to get this resolved. Still I did not have a claim number. What happened to the 10 days as promised? 
I waited another 10 days. I called BofA several times between XX/XX/XXXX and XX/XX/XXXX and no one told me anything about my claim. No one told me I needed a claim number and NO ONE was getting one for me. 
They all told me to wait. 
I finally reached XXXX XXXX XXXX on XX/XX/XXXX. It had been ONE MONTH since my claim. The more time passes, The more the bank claims that they can't do anything, so I suspect they are making me wait so that they don't have to be responsible. 
XXXX XXXX gave me a claim number on XX/XX/XXXX. 
XXXX XXXX also provided to me the name of his boss, XXXX XXXX. She sent an email to me asking the claims department if they were taking action. I got no response from her or the team after that. She forwarded the message to XXXX XXXX XXXX. 
I asked XXXX XXXX for the name of the bank from which the fraud charge originated. He told me XXXX XXXX XXXX. 
I waited another 10 days as indicated by the form. On XX/XX/XXXX, I told them that if I did not hear by XX/XX/XXXX, I would file legal action. XX/XX/XXXX is XXXX 10 days from the time I received my claim number. 
XX/XX/XXXX after threatening legal action, I received a notice from BofA that they can not handle this problem and I have to contact the ACH claims at XXXX XXXX. Once again, if I had not threatened legal action, I suspect they would have let this linger and then claim that I waited too long. 
One of the forms I received today says that the bank is XXXX XXXX. 
My money is gone. I trusted the Bank to protect me and they have done nothing but put me off and provide information that is late, misleading, false, and disrespectful of my trust in the company. 
I am hoping that someone at your organization can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion have incorrect addresses and names on my Credit Reports that need to be deleted. I spoke to a representative at XXXX and Transunion on XX/XX/20. They refused to remove the inaccurate and incorrect information.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I have a HELOC with US Bank. When we used it early last year, I set up an automatic payment through my online banking at another bank to pay {$500.00} a month, even though the amount of our payment was less than {$100.00}. In XXXX, 2021, I had major surgery and was in the hospital for 4 days and on pain meds for a while thereafter, so I was not paying a lot of attention to my finances. For some reason ( probably my fault ) the automatic payments stopped in XXXX, so I missed my XXXX payment. I realized it when I received my bill from US Bank on XX/XX/XXXX so I immediately reinstated my $ 500 monthly payments and paid the bill that day. ( I paid {$500.00} even though I only owed {$100.00}. ) On XX/XX/XXXX, I received a notice from the bank that my ability to draw on my line was suspended due to non-payment. ( The letter was dated XX/XX/XXXX, so it is entirely possible they had not received my payment. ) The issues I have are : ( 1 ) I attempted to call the bank in XXXX when I realized I missed a payment to explain what happened. I also attempted to call when I received the suspension notice. Each time I tried to call, I received a message " We are currently unable to take your call- please call back. '' There was NEVER any opportunity to leave a message or speak to a live person. 
( 2 ) At no point did I receive any notice from the bank that a payment was past due, even though they clearly have my address, phone number, and email address. Had I been notified, I would have paid the amount due immediately. I take exception to this treatment : never at any time have I ever missed a payment and I have always paid much more than the minimum amount. I am furious that the bank never afforded me the courtesy of reaching out to remind me that a payment was due or that I missed a payment, knowing that I am and always have been a good and reliable customer who has always paid on time.
Product: Credit reporting or other personal consumer reports

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 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

We had an XX/XX/20 mortgage on a home bought in XXXX the mortgages were sold repeatedly. We stopped hearing from the owners of the 20 % mortgage over 10 years ago but have remained current on the 80 % mortgage. We recently received Intent to Foreclose documents from the new owners of the zombie 20 % mortgage that we have not heard from in over 10 years.
Product: Mortgage

I have just discovered that without my knowledge or consent Wells Fargo extended a mortgage that I am on an additional 14 years. How can it be legal for them to burden me with 14 additional years of indebtedness? I do not want an extended loan. I want the original terms. Can terms be changed without my knowledge and consent and then still hold me liable?
Product: Credit reporting or other personal consumer reports

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 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 a 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 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 card

I was contacted by the XXXX department for Synchrony Bank XXXX via letter dated XXXX. I contacted the department XXXX on XXXX at XXXX XXXX. and confirmed the charges listed on my bill on XXXX and XXXX in the amounts of {$XXXX}, {$XXXX} and {$XXXX} totalling {$XXXX} were fraudulent. I did not make these charges. I sent a letter dated XX/XX/year> enclosing the bill with the fraudulent charges and disputing the charges again. I also enclosed a letter sent to me by Synchrony on XXXX regarding the disputed charges telling me there was no fraudulent activity and the charges were pending and not billed to my account. The charges were billed to my account and are fraudulent. I do not have a baby and did not buy items for a baby. I received another bill in XXXX and in XXXX with the original fraudulent charges with interest and late fees added. I disputed the charges with XXXX # XXXX file number XXXX in review stage. Synchrony just sent an email reminder of payment due of {$XXXX} on XXXX. This is the fraudulent charges with interest and late fees added on that I do not owe and can not get them to removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING IS reporting a fraudulent account on my credit. The account I am referring to ends in XXXX I have submitted several disputes regarding this account and yet it continues to report on XXXX. Please see the attached FTC report and my driver license and remove this account from my credit profile I am not responsible for this and have no clue why its still reporting on my credit. Please remove this fraud!!!
Product: Credit reporting or other personal consumer reports

I live in TX and am required to pay child support thru a court order via payroll deductions which are then sent directly to the SDU - Standard Disbursement Unit in XXXX XXXX XXXX for processing to the other party in my divorce. While paying thru the SDU is now a legal requirement for all child support cases opened by the Texas Attorney Generals ( TAG ) office, they continue to report incorrect, wrong, bogus, outdated information. When my case opened in XXXX, the requirement to use the SDU was not official and so my payments were made via check instead. Once the TAG implemented the SDU requirement, I was forced to get my ex to submit 3 years of back payment history, copies of checks, etc. to prove I paid as ordered. During this time, the TAG reported me as severely late. While it eventually got updated and everything corrected, they continue to file on my Credit Report as an open account in the arrears until it was ALL cleared. That was years ago. I have disputed this repeatedly with them and instead of clearing it, they just added another account under different details for the same cause #.
Product: Mortgage

There are two separate concerns with the sale of our home. 1 ) It was never disclosed that the real estate agent and the lender for the buyers, where related at the time of signing of our real estate contract back on XX/XX/2019. 2. ) We than received notice from our realtor XXXX XXXX with XXXX XXXX-XXXX XXXX XXXX that the appraisal came in at {$440000.00}. I requested to see a copy of the appraisal and was told they would email it to us after we signed the agreement to amend/extend contract as we were under duress to get the contract sign as we were closing on Tuesday ( 9/3 ) and this was a Thursday night with 15 minutes to spare and it being a holiday weekend. ( Monday was XXXX XXXX ). The counter offer of the property was never sent to the appraiser, so the appraiser based his findings off the original offer which was {$20000.00} less than the contract price. So the appraisal of the property came in at {$440000.00}. The amendment to contract for a sell price based off the appraisal was sent to us Thu, XX/XX/2019 XXXX XXXX  and the appraisal was sent to us at Thu, XX/XX/2019 XXXX XXXX, which is when I saw the contract to sell price was wrong. It was showing a sell price of {$430000.00} not {$450000.00}. I then said we wanted to cancel our amend/extend contract and wanted a reconsideration of value done of the appraisal. The appraiser said he never received the counter offer and that he would email the lender ( Loan Simple ) XXXX XXXX XXXX NMLS:XXXX  to get the correct contract and send them a reconsider form to his appraisal since he didn't have a signed contract. They refused and said that we had already signed the amendment/extend form and would sue us for specific performance if we didn't close. I feel that we were fraudulently mistreated by the Buyers broker and lender. I believe the lender and him acted together. We ended up losing {$10000.00} after all is said and done. We contacted an attorney and he said we had a good case but would spend {$5000.00} chasing {$10000.00} which we are unable to spend at this time since we are in the process of building our future home. Please investigate this matter in fear of this happening to future clients.
Product: Student loan

The acs conduent website is down and I am unable to make payments on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.