23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received a letter from my mortgage Servicing Company shellpoint XXXX XXXX XXXXXXXX XXXX XXXX that their records show that I did not have Hazard insurance at the time following that letter I called on XX/XX/XXXX and spoke with a representative and they had called my insurance agent XXXX XXXX at XXXX   XXXX in XXXX XXXX XXXX XXXX  XXXX we were placed on a 3-way phone call where they had gotten all the insurance information figured out and verified then again I called back on XX/XX/XXXX XX/XX/XXXX and none of the information had still been verified for whatever reason on XX/XX/XXXX I received a final notice saying they still have not received my fire hazard insurance for the property so on XX/XX/XXXX I called against but was another representative who again had mr. XXXX fax over the information I had Then followed up on XX/XX/XXXX two times I made a phone call and again on XX/XX/XXXX finally receiving a letter on XX/XX/XXXX that they had received an acceptable policy for the reference property and the previous years insurance was also faxed to them at that time showing that there was nothing lapse within the insurance policy then I received a letter on XX/XX/XXXX stating they still did not receive the hazard insurance policy the property so again and I called on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and still have got nowhere with Shell Point during their whole servicing time also I received delinquent tax notices once to twice a month that the taxes are not being paid and there are late fees and interest that has been computed and as of recently as of XX/XX/XXXX my payment went up to XXXX from XXXX then in the last two months they're charging me an overdue payment charge and I have not been late on any of my payments I've used bank cards and I can show that none of my payments have been late and now my payment is up to XXXX I have spoke with the XXXX  at  the XXXX XXXX tax collector 's office she had informed me that the taxes are being paid late there was actually XXXX where they were not even paid and previous with Shell Point service mortgaging I had paid one year in advance of my insurance. So for 4 months now I am paying more money that I can not afford and have made numerous calls with no help in sight.
Product: Student loan

Hello, I have been trying to reach Nelnet forever to contact them that I want to be placed on the XXXX plan and not defaulting to the XXXX plan as they have been doing to everyone else. For the majority of us with grad school loans, we are navigating buying a house, raising kids, and finally earning some income to get us out of debt. The high interest payments are simply not making things economical to survive, adding along the XXXX % inflation that has accounted in our fuel, food and basic living expenses that the PCE continues to leave off. 

Please help us navigate and request further delays because Nelnet is not equipped to handle processing these loans properly and is misleading people into the worst options for themselves. 

You can find on reddit multiple threads about people complaining of Nelnet 's embarrassing practices and working towards delaying and preventing any form of help : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send some authorities to ensure that Nelnet is operating within the consumers XXXX rights because it is apparent they are not. 

Signed another distressed citizen, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there are incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, GA XXXX The INCORRECT Names that should be deleted are XXXX XXXX XXXX and there is XXXX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card

I have had an account ( in very good standing ) with XXXX XXXX for numerous years. This year my account was sold/transferred to Comenity Capital Bank . Once this bank began billing me for my monthly installments, I have noticed that my credit limit is stated at {$4500.00}, however my available credit is listed at {$0.00}. I have contacted both, XXXX XXXX ( XXXX XXXX , XXXX ) and Comenity Capital Bank to inquire as to this matter and have not received a response from either companies. I am requesting an explanation as to why my available credit limit has been cancelled/eliminated. Further, my credit history with XXXX XXXX , XXXX has been stellar and have never had a problem with my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX BALANCED {$250.00} XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX BALANCED {$41.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$340.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$3400.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$310.00} XXXX XXXX XXXX BALANCED {$850.00} XXXX XXXX XXXX BALANCED {$450.00} XXXX XXXX BALANCED {$1700.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX
Product: Mortgage

As a part of my loan, I was given money to do needed repairs ( XXXX ). Over time as the process lingered, I had a balance of {$30000.00} to complete the repairs. After time, XX/XX/2016, they closed my XXXX loan by taking away the balance of the {$30000.00} without my consent. Therefore, I am stuck with a house with still needed major repairs that I do not have the money to fix. They tried to get me to refinance the loan but my lawyer said no. She told me not to pay them another dime because what they had done was not right so I did not go through with the refinance of the property. They did offer a refinance but it was costing me much more money and I felt I was being punished for them taking away my {$3000.00} that was and still is desperately need to complete the repairs on my home before other major issues occur. I have had to go into my own pocket to pay for some of the repairs by much more work needs to be done.
Product: Debt collection

my wife and I borrowed money from XXXX for a debt consolidation unaware that it was to be payed back in full in 10 years. after the 10 year period we where told our loan was sent to SLS Loan at XXXX this was XXXX after a year of sending in all documents required they would say information was late, needed to be resent again and again till we got my lawyer. Now with my lawyer we have tried to pay off debt since XXXX of XXXX only to be told info was late again or just not return our phone calls nor my lawyer. We would like to pay loan amount off and keep our house but they wont talk to us, we still have checks sent to SLS monthly for XXXX $ but they return them ... .we have been to SLS website and has noted we are not the only ones having this problem, and learned they are not favorable on XXXX website as well. PLEASE HELP US IN ANYWAY, PLEASE CALL SLS SO WE CAN MOVE ON, PAY OUR DEBT, AND KEEP OUR HOUSE!
Product: Mortgage

in XXXX of this year ( 2016 ), I knew a month in advance that I would be getting laid off from my place of employment. In an effort to be proactive, I called my mortgage company to ask if there were any actions I could take to protect my loan from being considered to in default. They assured me they had a great program that would help me. I submitted all the required paperwork, was told a decision would take around 30 days. The decision would be if they would suggest a modification ( of terms or if they could move payments to the back of the loan ). After 30 days I checked back and they told me they needed more paperwork. I submitted what they said was missing. After another 30 days they said they were expecting a decision any day. 80-90 days later I was getting the same excuse that a decision should be any day. On XXXX XXXX, my single point of contact told me the holdup may be because I was unemployed. I reminded her that I had informed her prior that I had been working again since XXXX. She responded, " ... oh we need to resubmit paperwork showing you are working which will speed up the process. '' On XXXX XXXX after many unreturned calls, I was told they needed a XXXX bank statement. I provided that statement and called to make sure that it was received. As was the case many times, my single point of contact did not call back or calls work and fails to leave a message. I called today on XXXX XXXX to get a status and was told I was missing one more document. That document was my XXXX bank statement. I provided that statement and asked the representative why they continued to delay and say the holdup was another months bank statement. She was unhelpful and just said, " that 's what the system says is required. '' I reminded her that I had heard that same reason for three months and told her I expected to be told on XXXX XXXX that the holdup is my XXXX statement. 
My current mortgage balance is {$190000.00} and in an effort to refinance I have now been blocked from being qualified because they have reported XXXX late payments. I was on a three way call with the mortgage and XXXX when they reported I was delinquent. SLS, the mortgage provider assured me the modification would not affect my credit until resolution decision had been made. I even made a request to refinance with them but they said they did n't do refi 's. It seems that upon learning that I was attempting to refinance elsewhere, they suddenly reported me late which I have learned disqualifies me from refinancing a conventional loan. They purchased the loan in XXXX and did n't report any information until XXXX when they reported delinquencies. my mortgage balance as mentioned before is {$190000.00} and the appraisal for the home two weeks ago came back at {$340000.00}. I feel they are unresponsive and hope they can find a way to find me in default but in the mean time, they have me hostage to their company. I missed the XXXX and XXXX payment ( thinking I was getting good information about modification ) and have been making payments since returning to work in XXXX. They apply the payments60+ days in the arrear which makes my report reflect 60 days late.
Product: Student loan

I sent a payment on XX/XX/2023 to pay off my loan with Loan Number XXXX, Loan Type Direct Unsubsidized Consolidation, and Payoff Amount {$540.00}. I printed a Payoff Payment Confirmation from the Mohela website that noted that this payment would be effective XX/XX/2023. Now the Mohela webiste says that this loan has a balance of {$0.00}. This is incorrect. Mohela needs to fix this by correcting the balance to {$0.00}. 

Mohela also needs to update my name. I sent the name change form on XX/XX/2023. 
I sent a follow up message on XX/XX/2023 XXXX XXXX  because they have not changed my name and it has been over XXXX months.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. However, the way youre able to file disputes on the app and the process for it is completely outrageous and needs to be updated. Furthermore, they did not comply with the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions are completely unacceptable and caused a significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Checking or savings account

So I dont have many dates my account was in the red due to return checks from my cellphone provider I stayed in contact letting them know the commute to the bank is far for me with no car. XXXX working on getting funds to my account to fix issue. On XX/XX/XXXX I deposited enough to take out of red pay my credit card off and have money to keep in good standing the next day. My account was closed. I was told due to me trying to open another account I explained that I never did they accused me and said account will remain restricted.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX XXXX Michigan Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX  Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Checking or savings account

Ally Investments put a 60 day hold on my money, they will not issue me a check or transfer my money into my checking or money market acct. 
I have been trying to talk to someone via phone for the last 5 business days but I am on hold for more than 2hrs without being connected to a human. 

The number I have to call is XXXX. 

This is preventing me from buying food and paying bills for my family. 

Help
Product: Money transfer, virtual currency, or money service

Hello, I'm a XXXX  at XXXX XXXX  University. I got an Email in my university mail box about a XXXX job offer. Since the mail came in my XXXX mail box, i thought it was legit. The offer was to be a XXXX XXXX and the employer would send me checks through email worth {$2500.00} to deposit into my account. The name of the employer is XXXX XXXX, his email is XXXX. He would tell me to keep the {$500.00} as salary and send the remaining {$2000.00} to another person through the XXXX function in my PNC bank app. The email of the person i was sending the money to is XXXX. I only recently found out from my bank that the check i was depositing were fake checks and my account was overdrawn {$9600.00}. I talked to my bank and they told me that the only way to solve this problem is if i repay the amount in cash, for now, i was told to open a new account with a different bank. Currently i don't have that much money in cash. I'm reporting this incidence in hopes that you can help me find a solution because i genuinely had no idea that i was being scammed. I'm looking for any help i can get. Thank you.
Product: Credit reporting or other personal consumer reports

I downloaded my report back on XX/XX/XXXX, and noticed there were several things that were not accurate and incomplete. According to the fair credit reporting act When a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Based on 15 USC 1681s-2 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. 
They sent me an investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
In accordance with 15 USC 1681i 5 they are supposed to do a Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to this law they are also supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

They did not do any of these things.

According to 15 USC 1681s-2 they are supposed to 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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please remove negativity ASAP. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Response to Complaint XXXX ; Submitted XX/XX/2024 ; Responded XX/XX/2024 Dear Equifax Information Services LLC , Thank you for your response regarding my complaint filed through the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal. 
Upon reviewing your response, I appreciate the completion of your investigation into the inquiries on my credit file. However, I must respectfully assert that the resolution provided does not adequately address the crux of my dispute. 
As per the Fair Credit Reporting Act ( FCRA ), it is incumbent upon Equifax Information Services LLC to validate the inquiries in question through a comprehensive investigation. This includes substantiating proof of authorization for each credit inquiry listed on my report. My complaint explicitly contests the validity of these inquiries, asserting that I did not authorize the companies stated on the report to access my credit file. 
While I acknowledge the importance of inquiries as factual records, it is imperative to emphasize that the FCRA mandates a stringent process for their retention and validation. Should Equifax fail to produce the requested evidence substantiating my authorization for these inquiries, they must be deemed invalid and promptly removed from my credit file. 
Furthermore, your response does not provide satisfactory clarity on how Equifax intends to address inquiries that are found to be unauthorized. Merely advising me to contact the companies directly does not absolve Equifax of its responsibility to ensure the accuracy and integrity of the information contained in my credit report.