23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted my student loan servicer Navient in orde to get affordable payments arranged for my student loan. After long painful discussions with several representative they made it clear that based on their terms are the only options available regardless of what i could not afford. They took my financial information my expense information which left me with almost {$180.00} a month. I was willing to pay {$75.00} amonth which left me the remainder for foodand, clothing and out of pocket expenses. They were not willing to be flexible and were demanding {$190.00} a month to pay for the loan which leaves me with no money for out of pocket or food expense. I expressed the reasons explicitly to why i could not agree to that amount based on my well being and for agreeing to a payment i could not afford. Their solution was to either agree to making a payment that I can not afford and/or keep the lian the way it is at $ XXXX month and default because i cant afford to make the payment thry want. They transferred me to several representatives who were rude, hostile, and lacked customer service and would not accept a the payments i wanted to honor. The last representative was unprofessional enough that he hung up on me without taking my payment or coming to a middle ground on my account status. How does one repay a debt to a company who promotes " honoring hardships '' and not willing to accept any flexibility for low income borrowers. This company is misrepresenting what they say they stand for. This company is mistreating and taking advantage of loan debtors who are willing to repay their loans.
Product: Vehicle loan or lease

Contacted company stating that I've been laid off because of the pandemic. I'm a XXXX XXXX XXXX n having a hard time paying any bill. Spoke to the company. They reported negative remark on credit report. Told them that payments can not be made if no income is coming in till the pandemic is over.. They stated whatever money to send in n high interest rate on a daily basis.. At this rate I'll owe 3x the amount on loan. Predatory lender.
Product: Debt collection

This debt has past it's legal limits to be reporting on my credit report. Buying an old medical debt, does not warrant it being used as a new collection account. 
I want this removed due to the fact that I have no legal obligation to pay this company. My legal obligation would be between the original creditor and myself ... if a debt is indeed owed. 
I have no idea who this company is and never entered into any legal agreement to pay them anything! This is fraud in a legal loophole form. The selling of old debts and then listing them as a new debt on someones credit should be illegal. Especially with the way our system is structured, where we depend on decent credit to obtain basic necessities these days!
Product: Mortgage

In XX/XX/XXXX, I contacted Shellpoint Mortgage to request a forbearance on my mortgage due to financial hardship. During this conversation, I asked about both forbearance and deferment. The representative explicitly told me that " the only way '' to receive assistance was to go into a delinquent state for 90 days. I asked if there were any other options, and I was told there were none. 

Following the lenders recommendation, I did not pay the mortgage for 90 days, believing this was required to qualify for assistance. 

In XX/XX/XXXX, I contacted Shellpoint again, explaining I was still facing financial difficulties. At that time, Shellpoint suddenly offered a forbearance, despite having previously told me it was not an option. I was frustrated that this solution had not been provided earlier. The representative placed my loan into forbearance for 90 days from XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, I formally requested the phone records from my XX/XX/XXXX call, as I was certain I had explicitly requested forbearance and believed Shellpoint had mishandled my case. Shellpoint refused to provide the records, stating : " In keeping with our policies, Shellpoint will not provide a call log of calls pertaining to the loan. However, if the documentation is necessary for a court case, we will require a subpoena before providing such documentation. '' This response suggests that Shellpoint is deliberately withholding evidence of their mistake, forcing consumers into legal action to obtain records that should be readily available. 

At the conclusion of the forbearance period in XX/XX/XXXX, I contacted Shellpoint again to request a deferral of missed payments. Instead of offering reasonable options, Shellpoint demanded an immediate lump-sum payment of approximately {$14000.00}. 

I informed them I could not afford this lump sum and asked for an alternative. I was told that making partial payments would disqualify me from a loan modification, forcing me to wait while my mortgage remained unpaid. This resulted in additional months of delinquency, as Shellpoint delayed in providing a resolution. 

In XX/XX/XXXX, Shellpoint finally approved a loan modification but required me to make three consecutive payments of {$1900.00} for XXXX, XXXX, and XX/XX/XXXX before finalizing the modification. I made all three payments on time, and the loan modification was finalized. I have remained current on my mortgage ever since. 

Despite my on-time payments during the modification process, Shellpoint continued to report me as late to the credit bureaus, including during XXXX, XXXX, and XX/XX/XXXX, when I was actively making payments as required under their loan modification terms. 

As a result, my credit has been severely impacted due to Shellpoints mismanagement. Despite requesting assistance, Shellpoints actions forced me into an unnecessary 90-day delinquency period and then a further six-month delinquency period. Shellpoint refused to provide my call records, further suggesting their mishandling of my case.
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 Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent XXXX XXXX {$50.00} through PayPal. He did not receive the payment. I resent {$50.00} and he did receive it. I contacted PayPal to get a refund for the first non-received payment and they told me XXXX had to contact them. I am not sure if he has. 
On XX/XX/year>, XXXX sent me {$170.00} and {$120.00} to cover the payments. I deposited this into my XXXX XXXX checking acount right away. That evening, I received an email notification on my cellphone that XXXX had sent another {$120.00}. I knew this was a mistake so I rejected this payment. 
On XX/XX/year>, I received a notice from my other bank XXXX XXXX XXXX ( I have a car loan through them and only use this account for car payments ) that my checking was over {$150.00} in the red. PayPal had taken {$120.00} from that account and XXXX XXXX XXXX had charged another {$27.00} for a courtesy pay fee. 
I telephoned PayPal right away and explained all that occured. The rep assured me that they would be contacting my bank to rectify the overdraft. After several days, it was still not taken care of and I had a car payment on XX/XX/year> so I called them to find out the status. I was then told that I initiated a refund to XXXX and it was not their fault. XXXX has not received any refund. I expect them to pay for their errors. The {$50.00} duplicate payment no one knows what happened to, the {$120.00} that they say I refunded but I actually deposited into my XXXX XXXX checking and was later taken from my XXXX Checking, and the {$27.00} courtesy fee that I was charged. This is a total of {$200.00} PayPal owes me.
Product: Mortgage

ref : XXXX XXXX case ref # XXXX ( old case ) XXXX XXXX  XXXX  XXXX fl XXXX I have been trying to resolved mortgage total loan due since 2009 unsuccessfully after my modification and trying to get an answered for all fees added to total amount my loan had beed sold 3 times with not answered. I received conflicting information on XXXX total amount due. I had contacted Fay servicing and XXXX  XXXX XXXX involved on this transaction did not get resolved. I hired an attorney to help on the process and attorney from Defendant Fayservicing and XXXX  XXXX XXXX now want to filed a law suite against me to collect his attorney fees and waiving my rights to obtain information where lates fees and other fees added to loan amount come from. My mortgage had been sold 3 times since first originated from XXXX  fro {$270000.00} first mortgage. Needed to all fees added how they got this figures?. After I requested the explanation from Fay servicing my loan sold to XXXX XXXX XXXX  loan # XXXX. I felt I had not right and am demanding the answer from this predator lenders unsuccessfully.
Product: Checking or savings account

I received a statement in the mail for a checking account and a money market account that I did not open. I contacted the bank and reported it as such.
Product: Mortgage

I was seeking to refinance my home. I started working with XXXX company ( Loan Depot ) in CA. they ordered an appraisal which I paid for. just as the appraisal came in I was offered a much better deal by another financial service. I and the new financial company asked Loan Depot to transfer the appraisal. they are refusing saying they do n't do that. I paid for it. In addition they contacted my insurance carrier and informed them they would be servicing the loan even though I have informed that I no longer wished to proceed with their offer. I understand they are upset at losing my business but do n't I own the appraisal. just because they " would not accept another appraisal '' does not mean that it is legal or ethical to deny transfer. Please advise.
Product: Debt collection

On XX/XX/23, Merchants Credit Guide illegally and aggressively reported {$1400.00} for the XXXX XXXX XXXX XXXX, Account # XXXX to all 3 credit bureaus without even notifying me of this debt. I have XXXX knowledge of this debt! They failed to provide me any correspondences or notifications. XXXX is my insurance provider. XXXX pays all of my medical bills and no medical bills or medical debt is reported to credit bureaus because they pay them! I am requesting that this debt is removed and deleted from all 3 credit bureaus and that this company is penalized for their actions. 

On XX/XX/23, I disputed this collections with XXXX for removal, and today, XXXX, XXXX emailed me saying Merchants Credit Guide confirmed this debt and XXXX said there is nothing they can do ; to contact CFPB for support, which is why I am reaching out for assistance. Debt collectors just can't go around reporting unknown debt straight to credit bureaus without even properly notifying people for validation etc ... and failing to provide any notice or awareness. This is completely unethical! 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX. During this pandemic I had lost some income due to loss of some work. I called XXXX XXXX XXXX and was told I can go on a smaller monthly payment and lowered interest rate for XXXX months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account XXXX days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for XXXX months. We weren't even near the XXXX months. I made the payment they wanted and requested to please remove that XXXX day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from transunion and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full XXXX months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.
Product: Debt collection

When I pulled my credit report, I noticed two companies are reporting debt and they are not licensed collect debt in my state, per the West Virginia State Tax Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX via Validation of debt letters and via phone call to ( XXXX ) XXXX but have not received the validation necessary of leaving this erroneous account on my credit reports. Additionally, while the account is listed as a charge-off, they continue to increase the balance. I have attached the dispute letters sent to them along with the letters sent to the credit bureaus. I have not received the required verification for having the accounts on my credit reports and this erroneous account must be removed as XXXX XXXX XXXX  has violated the Fair Credit Reporting Act. 

Certified mail receipt number XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account Number:XXXX This is not mine. 

XXXX XXXX  - Account NumberXXXX Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors has violated my rights.

Under 15USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on credit card account under an open end and consumer credit plan as late for any purpose.
Product: Debt collection

According to XXXX XXXX a capital one credit credit card was opened in name. The person used the address of XXXX XXXX in XXXX which I have never lived at. I am currently disputing this address on my credit report, as well as the credit card. Over the years my wallet and ID have been stolen and I believe this is one of those times. The amount owed is XXXX
Product: Mortgage

Second FORMAL COMPLAINT AGAINST WELLS FARGO MORTGAGE CO. 
To : Wells Fargo Mortgage Mortgage payments misappropriation and scheduling XX/XX/XXXX XXXX : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : XXXX. 
Up to XX/XX/XXXX Wells Fargo was withdrawing my auto payment on an average of 15 days late. Wells Fargo has willfully designed a system with the intent to defraud its customers by taking the payment 14 to 16 days later in order to collect more interests on the mortgage and the life of such mortgage. This pattern of deception and fraud must stop. Consequently, Wells Fargo must adjust, all illegal interests collected to the principal retroactively and compounded to the last XXXX In my case, I always have automatic mortgage payment set to be withdrawn on the due date from my checking account. However, Wells Fargo was collecting the funds 14 to 16 days later. And applied these funds on the day collected. Hence, I was paying 15 days of extra interest every month. Thereby, the principal payment was much less than what it should have been. Hence, I have been paying much more every month for the life of such loan. This is fraud. This is systematic and willful fraudulent activities, and it has been done over the wire, electronically. 
Prior and up to XX/XX/XXXX, Well Fargo had a systematic illegal scheme by collecting the automatic payment late every month up to XX/XX/XXXX. Suddenly, on XX/XX/XXXX the payment was withdrawn properly! However, the scheme continued on a different format, Wells Faro started applying the payment forward to 2 months in the future. Hence, Wells Fargo still willfully set a scheme to collect more interests on the mortgage. Wells Fargo has been illegally and willfully and systematically defrauding me. Wells Fargo has willfully violated the fiduciary financial agreement and relationship. 
I am requesting that a full audit of all my automatic payments prior to XX/XX/XXXX be done as soon as possible. These payments must be retroactively applied to my account as per my agreement with Wells Fargo that all payment be withdrawn from my bank by the due date, and such payment must be applied -credited to the account on that day, principal and interest. In this case on the first of each month Furthermore, Wells Fargo must adjust all illegal interests to the principal retroactively and compounded to the last XXXX. Moreover, Wells Fargo must be held accountable for all these willful and systemic illegal schemes to defraud its mortgage customers. 
If you have any question, please feel free to contact me. 
Sincerely, XXXX XXXX - Account # XXXX XXXX - Cell : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

-15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile.

-15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions - 15 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years.

- 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNTS ( XXXX XXXX XXXX, Account Showing open when been closed for years, and showing late or delinquent that is incorrect Reporting incorrectly ) ( XXXX Account, showing open When Closed and reporting inaccurate information ) ( XXXX XXXX XXXX Reporting delinquent inaccurate information showing open when closed ) ( XXXX  XXXX Show inaccurate and delinquent info this false ) ( XXXX XXXX XXXX XXXX XXXX Account showing delinquency and late information and its inaccurate )
Product: Money transfer, virtual currency, or money service

Hi good evening my name is XXXX XXXX XXXX I noticed a unauthorized transaction on XXXX XXXX Here it is on XXXX XXXX a fraudster hack my mobile carrier ( XXXX XXXX ) and port out my number without my knowledge and he used that phone number to login to my bank of America online banking and made a XXXX transfer of {$3500.00} without my knowledge. 
I reached out to my bank couple of times they are denied my request couple of times I checked my online bank activity, it clearly shows that my online banking was logged in from a different device I tried to pass this information to my bank but my bank is keep denied my request Can you please help me here, everything was done with out me knowing