23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I'm contacting you in regards to my mortgage company. There name is Specialized Loan Servicing LLC-NMLS ID Main XXXX ; NMLS ID Branch XXXX ; NMLS ID Branch XXXX. The issue is that there was forced placed insurance put on my account and I was never aware of that happening so I didn't know that there was a escrow change which made my monthly bill go higher. I was only sending in my monthly mortgage payments not aware that there was a escrow account put on the account and I was supposed to send in more. Because of this, my husband and I were reported late to the credit bureau every month between XX/XX/2019 to XX/XX/2019 XXXX XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XXXX XXXX some reason they didn't report XX/XX/2019 as being late and if we were actually late, which we weren't because we were making payments for our mortgage every month, then they wouldn't have skipped XX/XX/2019 XXXX. This has affected our credit scores significantly ( my husband 's credit was immaculate, but then his score dropped down over XXXX points less because of this situation with the mortgage company ). We have now sent in our past due amount ( no one know what was going on on our account for several months and finally notified us of the escrow change in XX/XX/2019 ). I was told by the mortgage company that once they receive our past due amount, which they now had, that I was to request to have all of the late reporting for each month that was reported late that they would remove all of them ( XX/XX/2019 to XX/XX/2019 and XX/XX/2019-as the mortgage company told me that they would remove all of them ) from the credit bureau. The mortgage company never removed any of the late payments from any of those months. I was also told that it is highly illegal to report a customer late to the credit bureau when they are making payments each month. We also told the mortgage company ( when they finally told my husband and I what was going on in our account ) that we would send in the payments for the home insurance seperately and they wouldn't even work with us. I feel like they are doing this so we won't be able to refinance with another company and will be stuck with them for a very long time. I hope you are able to help us with this issue. Thank you so much for taking your time to read this and have a wonderful and blessed day.
Product: Vehicle loan or lease

I sent an email to Flagship auto regarding my loan with them on XX/XX/28 after calling repeatedly. My partner and I XXXX  XXXX and i was out of work and needed to make a payment arrangement before my payment came due. My email went ignored and my payment was reported late. I think its completely unfair considering I couldnt reach them at all
Product: Credit card

I have been a credit card holder with Capital One for over XXXX years. Ive always paid off my bill each and every month usually XXXX day prior via my bank depositing money to Capital One. Then I notice in the last XXXX months something changed, Capital One started taking longer to accept my banks deposits. So I started to counter that by moving my date my bank from XXXX days to XXXX or even XXXX days before the due date of the credit card. But I would still get a late charge and interest payments. 

I can only imagine I am not the only one this is happening too, and something is definitely wrong with what Capital One is doing, they are slow walking peoples payments to make money off of them, and this is a new tactic to hurt the consumer.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$12000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the XX/XX/XXXX XXXX XXXX. Violations of the XXXX XXXX for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, Transunion, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the XXXX XXXX XXXX U.SC. XXXX et seq. also known as the XXXX Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.
Product: Student loan

I submitted the Public Service Loan Forgiveness yearly Employee Certification Form in order to receive credit for my last 12 qualifying payments. Only 11 payments were counted. I contacted MyFedLoans and was told that one payment in XX/XX/2018 was not counted because I was " paid ahead '' and there was no bill for that month. After discussing the error with MyFedLoans and submitting documentation that I did indeed make a payment and had received a bill for that month, I was told that my payments would be recalculated. 

It has been over 3 months now and I still have not received the recalculation, nor have I received the credit for this month that was not counted. I have contacted MyFedLoans to  ask why the recount is taking so long and received no answer. 

I am requesting a recount for the last 12 payments submitted on the most recent Employee Certification Form to correctly reflect qualifying payments made.
Product: Debt collection

On XX/XX/20 Mr. Cooper, my mortgage company spoofed my works phone number to get me to answer the phone. My employer is XXXXXXXX XXXX XXXX XXXXXXXX which is a governmental agency. I am a state employee. From what I have read this is illegal. I let the person who called me know they just spoofed my employer. I also let them know I was told not to make this months payment because it is an FHA streamline and you bring the current months payment to the closing. All XXXX and XXXX numbers belong to the XXXX  XXXX XXXX. They called me from XXXX. 

I am in the middle of a refinance with Mr. Cooper which closed on XX/XX/20. I told them to stop calling me. They called all weekend with spam calls that I didnt answer. Mr. Cooper called again this morning on XX/XX/20 5 days after the closing of the refinance of my mortgage. They asked when I would make a payment. I asked them to check the notes on my account at which point the person said oh yeah, I see a refinance code on your account. I dont see why they have is call refinance accounts. I let her know the spoofing that happened on the previous call and that her call came up as Spam risk and her company is spoofing numbers She said they used to call from their number, but people dont answer.
Product: Credit card

I opened an American Express Gold Card and received a welcome bonus of XXXX XXXX. I earned an additional XXXXXXXX XXXX for a total of XXXXXXXX XXXX The credit card came with no set spending limit. 

On XX/XX/2024 I made a reservation from XXXX XXXX XXXX XXXX via AMEX Travel Services. AMEX Confirmation number XXXX XXXX XXXX XXXX number XXXX. I paid for the trip using approximately XXXX XXXX  and the points were deducted from my balance of XXXX. 

On XX/XX/2024 I booked a reservation to XXXX XXXX. Amex travel confirmation number XXXX XXXX XXXX confirmation XXXX I paid for the trip using approximately XXXXXXXX XXXX and the points were deducted from my balance of XXXX. 

On or about XX/XX/2024 I received a call and email from AMEX Travel letting me know that my reservations to XXXX XXXX XXXX XXXX XXXX  were being cancelled because I did not have enough available credit on my credit card. I was transferred to the credit card department and was told that American Express reduced my spending limit to {$9300.00} which was the approximate balance owed on the card, leaving me with no available credit. I was told that my credit card was assigned a credit limit of {$9300.00} and no longer had a no pre-set spending limit. 

I was then transferred to membership services and told that reservations are charged to your card and then you get a credit when using your points, usually within 48 hours. The cost of each ticket was approximately {$500.00} each ( approx. {$1000.00} total ) for which I had no available credit to cover. The points for each ticket was credited back into my account leaving me with my original balance of XXXX. 

I feel American Express violated UDAAP laws by not advertising that reservations using points must first be charged to your credit card before the points are applied to offset the charge for the reservation. 

I was essentially blocked from using my points for the two reservations unless I made a payment of approximately {$1500.00} because when my spending limit was lowered to {$9300.00} my balance owed on the card was already greater than that amount. 

I feel I should have been given the opportunity to use my points without having the available credit on my credit card. There was never any advertisement when I signed up that said the Welcome Bonus or any points earned can only be redeemed subject to having the available credit to cover the costs of the reservations. 

On XX/XX/2024, I called membership services and was given the option to transfer XXXX points to XXXX XXXX, a travel partner, albeit I preferred the points to be transferred to XXXX XXXX but the request was denied because XXXX XXXX is not a travel partner with AMEX. I currently have a balance of XXXX XXXX but those could not be transferred as they can only transfer in increments of XXXX XXXX. I was charged a fee of {$0.00} per point to cover federal excise tax which totaled {$62.00}.
Product: Debt collection

PROFESSIONAL DEBT attempting to collect alleged debt. 
{$780.00} & {$6000.00} dispute of validity sent XX/XX/2021
Product: Student loan

I am a former XXXX XXXX XXXX student, currently experiencing wage garnishment for a private student loan originally serviced by Navient, despite having submitted a misconduct discharge form on XX/XX/XXXX. Under the XXXX XXXX XXXX XXXX XXXX to Repayment ( BDR ) provisions and recent actions by the XXXX XXXX, I believe my loans qualify for discharge due to XXXX XXXX documented fraud and misconduct. 

The Consumer Financial Protection Bureau ( CFPB ) has issued actions and a proposed order against Navient for improperly servicing student loans and engaging in deceptive practices with XXXX XXXX students, and the Federal Trade Commissions Holder Rule also protects borrowers like me from deceptive institutional practices. Additionally, the XXXX XXXX recently approved group discharges for XXXX XXXX borrowers under XXXX Action in XXXX, addressing widespread harm to XXXX XXXX students. 

Since submitting my discharge application, I have encountered significant difficulties obtaining information about my loan status and discharge eligibility. Here is a summary of my attempts to get clarification and protection from wage garnishment : XX/XX/XXXX : I submitted a student misconduct discharge form to Navient, but despite the HEAs Borrower Defense protections, I received no response for almost 60 days. 

XX/XX/XXXX : I contacted Navient customer service to request an update on my discharge form status. The representative advised me to wait but could not provide any information on the application review or loan status. 

XX/XX/XXXX : I contacted Navient again and was informed that my loans had been transferred to XXXX for servicing, without prior notification. 

XX/XX/XXXX : I spoke with a XXXX representative, XXXX, who confirmed that my application had been received on XX/XX/XXXX and was under review for a XXXX period. When I requested a written confirmation of this review to halt the wage garnishment by XXXX XXXX XXXX, XXXX stated that no documentation was available and advised me to contact the XXXX XXXX XXXX. 

XX/XX/XXXX : I contacted the XXXX XXXX XXXX and spoke with XXXX XXXX, who confirmed my applications receipt but suggested contacting Navient Charge-Off Department due to the loans being in charge-off status. 

XX/XX/XXXX : I contacted Navients Charge-Off Department, but they also could not provide documentation confirming my loan 's forbearance or ongoing review. I then followed up with XXXX, who reiterated that no documentation would be provided to XXXX XXXX XXXX to halt wage garnishment. 

As an XXXX XXXX student borrower, I am eligible for discharge under the XXXX administrations XXXX group discharge approval, which specifically applies to former XXXX XXXX students affected by the institutions fraudulent practices. Additionally, the Consumer Financial Protection Act ( XXXX ) of XXXX provides the CFPB with oversight authority to address cases where servicers engage in unfair, deceptive, or abusive actssuch as Navients lack of transparency and responsiveness in processing my application and their failure to protect borrowers from further financial harm while applications are pending.
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. 

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 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.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late.If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

A company by the name of Wakefield and associates is calling me repeatedly and asking for personal information. They refuse to tell me who they are trying to reach or what is owed and seem to be focused on collecting information from me, however i do not have dept as i pay Everything on time. I don't have money problems. They also refuse to send me information by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly on the XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account does not belong to me and I do not have a mortgage loan. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Product: Mortgage

S.P.S. disregards mortgage contract and continues to try to collect funds which are not du. They also are trying to skirt bankruptcy laws by falsely saying mortgage payment was missed. I have a record of bank checks showing every month is paid it is current. They attempt to change the mortgage agreement which states the payment is not late until after the XXXX. Every month is paid yet i recieve statements with the comment it is XXXX. XXXX unpaid. I paiy XXXX every single month. The extra XXXX to go to principal. It is not unpaid. There is no missed payments. This company continues to falsify records to collect extra interest. They purchased the mortgage from XXXX  XXXX XXXX and try to change the terms, disregard bankruptcy laws, and falsify records. These images are from same statement multiple dates, one point says behind other says it's not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to the credit bureaus on XX/XX/XXXX. XXXX and Experian have not responded yet, and they're supposed to respond within 30 days.
Product: Mortgage

Good afternoon, My family and I purchased a home using a VA Loan this past year and subsequently saved up and paid one month in advance in order to get on that organization 's " Budget Plan ''. The Budget Plan was explained to us as a way to divide the standard mortgage in half over XXXX paychecks instead of taking the larger whole sum out of XXXX paycheck. Now, four months later, we 're being charged XXXX half payments in our second paycheck of the month in spite of already having paid the first and second half-payments this month. This is n't due to any delinquency on our part. We 've been excellent customers, paying all listed fees in advance or via auto-pay. This is due to the way the Loan office has programmed the payments " every other Friday ''. So not only is the VA 's " Budget Plan '' a misnomer, and the intentions of the plan false. It also has the potential to put those contracted with the office, particularly XXXX XXXX military members like myself, into civil upset due to unexpected required payments that, if not met, could affect our military Clearance and if met could place us in financial distress. This is an unsatisfactory way to treat customers entrusting their pact with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with XXXX XXXX XXXX : 1. XXXX XXXX XXXX- In XXXX I lost my job due to covid-19. I called XXXX customer service number XXXX stated on my bill for a month, no answer. I went on their website : XXXX and wrote that I lost my job and wanted to find out what can I do to defer or forebearance the payment. I HAD NEVER MISSED A PAYMENT. I received no reply. The website had an area that stated Covid-19 update however did not have forms or anything consumers can fill out for that option. When you go to fill out the form there was nothing you can fill out. They deliberately just posted the information with nothing consumers can fill out, only a sign stating what to fill out. No Forms whatsoever! On Monday XX/XX/2020, I went on my XXXX  XXXX account and noticed XXXX XXXX reported that I did not pay my payment for XXXX. I made every effort to contact XXXX XXXX however they ensured that they made themselves unavailable to respond to consumers in need of their assistance. This delinquent reporting to Transunion has drastically brought down my credit score. When I called Transunion to dispute this erroneous reporting, the phone hung up not working. I also tried to dispute it on line with my account since I have a freeze on my account it reroute me to purchase Transunion 's credit monitoring service which I can not afford at this time. If you didn't purchase their credit monitoring service, you can not dispute erroneous information on your account. When I went back to XXXX XXXX service website now they have a form for consumers to fill out for a 30 or 60 days deference yet still you can not communicate with anyone to explain what happened. I filled it out however I did my best to notify XXXX XXXX prior to when my car payment was due numerous times. My other creditors have worked with me except for XXXX XXXX. I need the delinquent posting off of my Transunion account since XXXX XXXX deliberately caused their consumers to be delinquent by not replying to phone calls, emails, and provided erroneous information on their website to give the appearance they are helping consumers. I will never purchase a XXXX as long as I live and will tell my family, friends, colleagues, and acquaintances of what they did in my time of need.
Product: Checking or savings account

I was led to believe that if I opened a Chase savings account, I would be eligible to receive {$200.00} in bonus funds after 90 days. After having been led into opening the account, I was told after-the-fact that the {$15000.00} required to be deposited can not come from any other Chase account. 

I was misled into creating a useless savings account vehicle I do not want. This reminds me of XXXX XXXX.
Product: Credit card

The Wells Fargo atm machine near me has been broken for over a month and I and my XXXX  friends have to drive across town to use another one. This has happened before and they say they dont have the part to fix it.
Product: Credit reporting or other personal consumer reports

I sent out a dispute to the credit bureaus and creditor about this proclaimed debt i owe that negatively affecting my life. Still as of today i still have not received any response from neither the credit bureau nor creditor to validate or verify this account nor the proper documentation they took to validate or verify this account prior to placing this on my report. As stated under 15 u.s.c 1681i method of verification was not supplied.
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.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress and compensation.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.It has been 30 plus days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as the are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INTRODUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.