23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT MY FILE HAS BEEN DEEMED COMPLETE ALL REQUESTED DOCUMENTS SINCE  XXXX / XXXX /  XXXX  . I CALL WEEKLY AND NOTHING CHANGES, NO DOCUMENTS BEING REQUESTED OR ANYTHING ELSE BESIDES IN REVIEW ALL DOCUMENTS HAVE BEEN RECEIVED. I HAVE A  XXXX   XXXX  LOAN SO I WENT ON THEIR WEBSITE FOR MODIFICATIONS AND READ THAT THE LENDER HAS 30 DAYS TO ISSUE A DECISION ONCE THEY DEEM MY FILE COMPLETE AND SEND IT TO THE UNDERWRITING DEPARTMENT. I CALLED TODAY  XXXX / XXXX /  XXXX   AND WAS INFORMED THAT AS OF  XXXX / XXXX /  XXXX   A LETTER WAS SENT OUT STATING THAT MY FILE WAS DEEMED COMPLETE AS OF  XXXX / XXXX /  XXXX   WHICH IS NOT TRUE DUE TO I WAS TOLD THAT SINCE  XXXX / XXXX /  XXXX  . MY DOCUMENTS ARE VERY OUT DATED AS THEY ONLY HAVE  XXXX  AND  XXXX  DOCUMENTS. I KNOW THAT ONCE SOMEONE ACTUALLY TOUCHES MY FILE THEY ARE GOING TO START ASKING FOR DOCUMENTS AGAIN AND WHEN I ASK IF I SHOULD UPDATE THEM THEY SAY NO, THIS WILL SLOW DOWN THE PROCESS EVEN MORE. HOW CAN I GE T DITECH TO HEL P ME IF NO ONE DOES ANYTHING. THE REPRESENTATIVES THAT I SPEAK TO ARE ABSOLUTELY RUDE AND DONT CARE OR GIVE ANY CUSTOMER SERVICE. I AM JUST LOOKING FOR THIS SERVICER TO ACTUALLY DO THAT WHICH IS SERVICE MY ACCOUNT FOR MY INVESTOR WITH 100 % CUSTOMER SERVICE AND KNOWLEDGE SO I CAN TRY AND SAVE MY HOME.
Product: Debt collection

On XX/XX/2018 At XXXX I received a voicemail from XXXX Havet Management systems regarding a debt that was owed to XXXX XXXX. I contacted the company and spoke with XXXX and advised him that on XX/XX/2018 I had filed chapter XXXX bankruptcy and that this debt was included in the case. I provided the representative with the case # XXXX, and the representative continued to try to collect on this debt. When I advised him that he was in violation of the bankruptcy laws once given this information ; the representative continued. I ask to speak with his supervisor and also advised him that upon given the bankruptcy information calls and collections must stop. 

XX/XX/2018 at XXXX ; I received another voicemail from Havet Management systems that was and automated message, so I called the company again and advised that calls are to be stopped, and Spoke again with XXXX and was advised that was automated system. 

XX/XX/2018 at XXXX XXXX ; I again received another voicemail from Havet Management company regarding the same debt for XXXX XXXX, and again spoke with XXXX. I advised him once again that they were violating FDCPA, Bankruptcy, and other laws since they were given the bankruptcy information and I informed them if the calls continued I would contact the Bankruptcy court, and file a complaint. 

XX/XX/2018 at XXXX XXXX  : I received another voicemail from Havet Management system   from representative XXXX. I returned the call and advised XXXX that I had already provided the information regarding the Bankruptcy information and that there are to be no more calls. The representative stated that there were no records of this information, and that he would look into it and ask if he could call me back. I advised him that he could not call me back that the information was already given, and he could check that Bankruptcy court. I received another voicemail on XX/XX/2018 at XXXX. 

XX/XX/2018 at XXXX XXXX, XXXX XXXX, and XXXX XXXX I have received voicemails from XXXX again asking to return call regarding this debt. This has now become harassment and I want this company stopped
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed a collection I knew nothing about. This fraudulent account is negatively affecting my creditworthiness.
Product: Credit card

I detected XXXX XXXX  fraud on my bank statement. I contacted Well Fargo, and the were supposed to check into the matter. They informed me that it was not fraud. So, I personally called XXXX XXXX myself and was told by XXXX XXXX on XX/XX/2023, by XXXX that Wells Fargo was paid 2 separate payments the first being on XXXX and XXXX XXXX for the total amount of {$420.00}. It was reversed off of my account by XXXX XXXX and credited to the Wells Fargo credit card. Wells Fargo gain applied the charges back on my credit card and said it was not fraud that I owed the amount. So, I feel Wells Fargo double dipped by keeping what XXXX XXXX paid and making me also pay on my card.
Product: Credit reporting or other personal consumer reports

XXXX refuses to take non credited account off report after numerous request too do violating my consumers rights And they also have been reporting false negative payments they refuse to take down the hard inquires they are refusing to up hold the law and not giving me a fair investigation with over 80 violations that I noticed alone on my XXXX report and also over 50 violations I noticed on my Experian and 1 violation on XXXX for not removing the fraudlent XXXX XXXXXXXX account on my credit report also XXXX has some one else social security number on my account my social is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  : Account # 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 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: Mortgage

I started a refinance with Suntrust in XXXX of 2016. They were very unresponsive, Unprofessional, and down right rude while servicing my loan. So much so that it has taken over 3 months for them to process my refinance. I was told several weeks ago that the loan was done, they had everything they needed and that it was ready to close. Due to this information and differences with my employer I left my job 2 weeks ago thinking this would be closed the next day. Today XXXX/XXXX/16 I was told that my loan was denied due to unemployment. The entire process took too long and their communication during it was horrible. I have email strings where I ask for updates but i do not receive anything for a week. Life can change in 3 months and due to their incompetence it was not processed in a timely manner. When I asked to speak with a manager to resolve the issue/ try to find a work around i was transferd to a line and disconnected me. When i called back the line was busy and had to have a cs rep dial me in to speak with my loan officer who was rude.
Product: Debt collection

A company called Midwest Recovery System is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$1200.00} but I have never done business with them and I have never received any letters or notices from them. Why did they not send me a notice of my right to dispute this debt before they reported it to my credit? The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute of Fraudulent Account Identity Theft and Lack of Legal Capacity ( FCRA XXXX, XXXX, XXXX ) Dear CFPB Representative, I am writing to formally dispute an inaccurate and fraudulent account that appears on my credit report. This debt does not belong to me, and I request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 

Details of the Disputed Account : Creditor : [ Insert Creditor or Furnisher Name ] Account Number : [ Insert Account Number ] Date Opened : [ Insert Date, if available ] Amount : [ Insert Amount ] Credit Bureau XXXX : [ XXXX / XXXX XXXX XXXX specify which ] Grounds for Dispute : Victim of Identity Theft ( FCRA 605B ) I did not authorize this account. I am a confirmed victim of identity theft. Per FCRA 605B, I am requesting the immediate blocking and removal of this fraudulent account from my credit file.

Lack of Legal Capacity Due to Severe Mental Illness During the time this account was allegedly opened, I was under documented treatment for severe mental illness and did not possess the legal capacity to enter into financial agreements. Any alleged debt obtained during this time was done without informed consent or legal capacity, rendering the account invalid and unenforceable.

Violation of My Rights Under FCRA 604 and 609 I have not been provided with proper documentation or original signed agreements that prove I initiated this account. Under FCRA 609, I formally request that the furnisher and credit bureaus provide verifiable documentation with my signature proving liability. 

Americans with XXXX XXXX ( XXXX ) I am protected under the XXXX due to my mental health condition. Continuing to report this fraudulent debt not only exacerbates my condition but XXXX constitute discriminatory practices and cause irreparable harm. 

Requested Action : XXXX removal of the disputed account from all credit reporting agencies. 

An investigation by the furnisher and a response within the required XXXX period under FCRA XXXX XXXX 

Written confirmation of the removal and a copy of my corrected credit report. 

Attached are copies of my [ drivers license/state ID ], a police report or identity theft affidavit ( if available ), medical documentation ( optional ), and any correspondence from the creditor. 

Please take this matter seriously and respond swiftly. If this issue is not resolved, I will pursue further legal action through the appropriate channels. 

Sincerely, XXXX XXXX
Product: Student loan

I have been trying for over 2 years to get my student loan forgiveness resolved, I owe about {$14000.00} dollars and have applied to the PSLF and TEPSLF with all the required information. Mohela shows that I have made over 150 payments with no issues and that I qualify. I have been in the same school district ( XXXX XXXX XXXX in XXXX XXXX NJ ) for over 14 years and qualify for the debt forgiveness. They are only recording XXXX payments, and when I call the PSLF and Mohela, they both see that I made the correct number of payment and get pushed back to the ( From Mohela to PSLF, and from PSLF to Mohela ) to resolve the issue. I event went back to XXXX to get my old records and submitted them, but was told that they need it directly from the lender. I have spent countless hours on hold speaking to various people I continually resubmit and am being told that I will have a response in 15 days, only to wait to + months to get an email saying that they are reviewing my case. This has been going on for close to 3 years and I do not understand what the delay is. I have documented emails and paperwork showing that I made 150 continuous payments and more than qualify to get this small debt forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX received my request to validate debt with creditors, XXXX nor Experian provided me with supporting evidence from the companies. These items stayed on my report I also mailed a second request to them on XXXX XXXX, I had some movement with XXXX and nothing with experian.. I submitted the same letters to XXXX they removed everything but 2 items that they had the companies to send me letters that validated my debt..I must say the crazy part is that everything that was on XXXX was on XXXX and experian. The conclusion is that didnt physically validate anything for me ( XXXX nor experian )
Product: Mortgage

My loan was initially with XXXX and was acquired by XXXX and later by Nationstar ( Mr. Cooper ). 

My loan is an adjustable rate based on the LIBOR index, and I have tried unsuccessfully to lower my payments by submitting for a loan modification over 40 times and each time I was denied. 

During this process when the RE market was down with the exception of the past 5-6 years, I have tried to get my loan modified, but to no avail. 

The reason that I got behind was because I was seriously ill, and then unemployed for a long time after that. 

I would like to get my loan modified and to keep my home.
Product: Vehicle loan or lease

I leased a car through American Car Care Center. I never received any notice stating American Car Center was going out of business or filing bankruptcy and another company will be taking over. Around XX/XX/XXXX, I started receiving calls from a company name Westlake Financial. Because I have been a victim of someone stealing my identity, people from another country was calling me asking for my bank card/credit card for payment, I refused to provide my personal information mainly my bank account information. I requested written correspondence by mail but I was never sent the information. Also, American Car Center verified my information many times prior to them going out of business and sent me correspondence by mail but no letter regarding them going oit of business. I found out that American Car Center went out of business when XXXX XXXX told me and I called them at XXXX to pay my car note but I got a phone number is no longer in service message. I never heard of Westlake Financial until they started calling requesting payment. They repossessed the car in XX/XX/XXXX, and although I no longer have the car, they still have it in my name the last time I checked ( my licenses where suspended but the State fixed it ) and the State if Florida checked and I tried to get them to resolve the issue but I have been unsuccessful. I believe they are committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow up to Complaint # XXXX. I am still unable to unfreeze my credit report. When I call Equifax, the automated system says the information they have for me is inaccurate ( meaning my name, dob, SSN , street address, etc ). Even though the system says the address I input is incorrect, I did receive a letter from them dated XX/XX/23 regarding my request concerning inaccurate information your Equifax credit file. I DID NOT make this complaint. My complaint is that I am unable to Unfreeze my credit report!!! I can not get a credit application reviewed & approved because my Equifax report is locked!!! 

I will contact an attorney if I can not get this corrected as soon as possible.
Product: Credit card

Paying my bill the process was difficult and confusing. 

1 ) At the time of the transaction at the Macys store on XXXX XXXX, I was told to open a new card. The clerk told me it was necessary to open a new card when I had a pre-existing Macys card open already in my name. 

2 ) Macys credit card services aggressively went a 1 week late payment on small balance. I received 4 to 5 calls a day for over a week for a balance of {$350.00}. I had only received a paper copy of the statement the same week the collection phone calls began. 

3 ) Access to the online payment system is cumbersome and slow. The online payment system is overly complicated, confusing and untrustworthy. The online system pushes customers to make a phone call to customer service. 

4 ) Every customer service rep I spoke to on the phone wanted my social security number. They repeatedly asked for it, multiple times during 3 customer service calls. 

5 ) Even after paying off my balance in full closing all accounts and receiving confirmation of the account closure by mail, I received yet another bill for interest for {$5.00}. The bill warns that the fee for late payment would be {$41.00}. 

Macys, the credit card company they work through, the customer service agency they contract with and the collections dept that guides them is out of control. 

This extremely poor level of customer service is why I will never recommend a Macys credit card to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency. My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. These letters were sent XX/XX/XXXX for which I have certified mail receipts. It has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature. 

This complaint was originally sent and received by EQUIFAX on XX/XX/2023 to which the Company failed to respond with proper verification or presentation of permissible purpose for any of the alleged inquiries to be furnished upon my consumer report within 30 days. They responded on XX/XX/2023, which is well after the 30 days response timeframe. They also completely failed to present " My WRITTEN CONSENT/PERMISSION '' to furnish such alleged information. An identity theft report was also filed for they assume " My IDENTITY '' for they openly violate my rights to privacy and continue to do report information in my name that I have NOT given WRITTEN/PERMISSION for. 

This is clear violation of 15 USC 1681b ( 2 ) and has resulted in several months now of violations concerning consumer 's ( XXXX XXXX ) RIGHT TO PRIVACY and also DEFAMATION OF CHARACTER. 

Each of the illegally furnished inquiries result in a violation that is equal to {$1000.00} violation per 15 USC 1681o Civil Liability for negligent noncompliance.
Product: Debt collection

On XX/XX/XXXX I told Discover credit to stop calling and harassing me. Since then I have been getting even more calls I can document from XX/XX/XXXX through present date I have XXXX calls from Discover. Sometimes even two and three times a day. I recently got custody of my granddaughters, live on social security and they just don't listen and continue to call. I have the calls documented up through XX/XX/XXXX. The calls prior are no longer available. There should be a penalty for so many calls and they have violated many debt collector laws.This company is Discover it XXXX card ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX, IL XXXX ( XXXX ) XXXX No open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information
Product: Money transfer, virtual currency, or money service

Hello, dear sir. My name is XXXX. I have into a swift problem. On XXXX XXXX, XXXX I sent XXXX $ from XXXX to XXXX for payment real estate. The sender bank is XXXXXXXX XXXX ( XXXX ), the recipient is XXXX XXXX Bank XXXX ( XXXX ). The core-sponsor banks are XXXX Bank and Bank of America XXXX On XXXX XXXX, 2022 Bank of America made a request for additional documents for verification - an apartment purchase and sale agreement, invoices, a document on the origin of funds. All documents were sent on time. 
After that Bank of America disappeared and stopped responding to requests from XXXXXXXX XXXX. Requests for the status of the transfer were sent on XXXX, XXXX and XXXX, XXXX. On XXXX, XXXX we have created a return request. XXXX tracker XXXX informs that the money is currently in the Bank of America. For 2 months, the Bank of America holds my money without explaining the reasons. The bank does not send the transfer further to XXXX and does not send it back to XXXX. I also called the Bank of America, but they said that they could not help me with anything. 
Please help me in solving this problem. I hope for your understanding and cooperation. Now I'm paying large commissions due to late payment. I have three children and I can no longer pay these commissions. 
With best regards.
Product: Checking or savings account

I am filling a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Lexington Law for credit repair services in 2018. Per Federal Law, payment for credit repair isn't due until after the job is done. They were charging me a month to month fee. Which is a violation of federal law, XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX.
Product: Student loan

I am the co-signer with students loans serviced by Navient. They have consistently applied the money to the wrong account and then charged me a late fee. I decided to end this by having them automatically deduct the money form my bank account. Yet each month they delay the start date, so I have to send a check, which they again apply to the wrong account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have ask to have these accounts removed they are not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX