23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, there actions have violated the following provisions of the FDCPA : * XXXX12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence. * **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt. * **12 CFR 1006.34 ( d ) : ** This section limits the number of times you can contact me regarding the debt. * **15 U.S.C. 1681s-2 7 ( A ) : ** This section prohibits harassing, oppressive, or abusive conduct in connection with debt collection. * Unexplained charges or fees added to the debt. Remove any inaccurate information about this debt from your records. I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Product: Checking or savings account

I had an account with Chase and money in the bank, no problems that I was aware of. In XX/XX/2019 I could not use my card, I called the bank and they said my account was frozen. I made an appointment to go into the branch, where I was treated like a criminal and they would not release my money or give me a reason as to why they froze my account. I had to wait months for my money and they never gave me a reason as to why they closed my account. On top of that, I asked for bank statements and they would not release them, they wouldn't let me have any access to my banking at all.
Product: Credit reporting or other personal consumer reports

My accounts been closed for years and its still on my report I disputed it and they did nothing
Product: Payday loan, title loan, or personal loan

I received a loan from Speedy Cash Co., I was making payments as normal but suddenly I lost my job, I am struggling real bad to keep up with bills, rent, and other accounts that I have, I tried to explain this to the person that spoke about this over the phone ( collections deparment ) I ask her for a payment arregment and she told me that it was not possible and that they would continue with the collection process. 
I also spoke to a wells fargo banker again I explained my situation and asked to for them to stop the payments and she told me that the only way to stop the payments it was me paying the entire balance on the account, that's not possible for me at this time. I resume neither one company understood my situation.
Product: Mortgage

I called the lender and sent them a fee messages to figure out what we can do to lower my rates. They said my mortgage was estimated to be XXXX a month due to property tax increases. My property taxes went up XXXX dollars annually. They provided me with information on my mortgage, which is XXXX. My property taxes annually were XXXX. Together it should be about XXXX. And if we add in the monthly payments of the insurance, it is XXXX. I recently paid almost XXXX dollars into my escrow, yet my rates still remain the XXXX. I don't know what else I am paying for, and don't know what else to do but this is not right.
Product: Student loan

I received a letter for a settlement amount of {$3600.00}. ( Dont have copy ) I payed that settlement amount of {$3600.00} from a county XXXX XXXX account ending in XXXX on XX/XX/20. The account is under my wifes name XXXX XXXX XXXX XXXX Wells Fargo is still reporting this account as charged off and still past due over {$5000.00}. 

This account was paid off per the settlement letter sent in XXXX. 

This is unfair and unlawful. 

Please update my credit report ASAP. 

Thank you.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPT OF EDXXXX XXXX XXXX XXXXXXXX, 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 an 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Applied and received the American Express Blue Cash Preferred Card. Amex charged me the annual fee of {$75.00} upfront on XXXX/XXXX/15. I read and re-read the terms and conditions before applying and thought they would charge me the fee after a year using the card. Why would you pay for services you have n't even received? It did n't make sense. 

I again re-read the TOC and it never states when the fee would be charged. When I contacted them about this they repeatedly told me it was in their disclosures that they charge this fee in the first month. I asked where and spent a few hours with Amex reps falsely explaining that it says that the annual fee was due the first month. 

After considerable time, they finally agreed with me that the TOC do n't state when the annual fee gets charged but would n't negotiate on refunding or changing the timing. Eventually, I paid the fee. After a while, I cancelled the card and hope it did n't hurt my credit by closing the account.
Product: Mortgage

This is the second complaint I have filed with you all against DiTech Financial through your company. I have to say you all handled the companies response and closed the case with NO documentation to prove the lies they told. We have had an account with DiTech Financial since 2006. We have never missed a payment and NOT I repeat NOT been late one single month all these years. But when our loan is due to mature on XX/XX/XXXX we have a {$6000.00} balance. How is this possible is what we asked and we have gotten nothing but the total run around. We have been hung up on, lied to and disrespected by this company for months. We filed a report with you all in hopes you protected your consumers instead DiTech tells you we owe this outrageous balance due to late fees and a cancellation on our automatic drafts for our mortgage payments. This is NOT true at all. We did cancel our automatic drafts 2 months ago because they had yet another company restructure and told us we had to set up one monthly draft instead of the biweekly drafts we have made for years. So we agreed and set it up and guess what they did took out 2 full mortgage payments in one month after they claimed they could not do that. Then we played heck getting the money refunded. This is all happening while you all were supposedly helping us resolve this issue of the huge balance. So instead of DiTech Financial researching the account they mail me a 38 page payment history with a generic letter saying you owe the balance. No information no explanation at all. Then they tell you all we owe it for late fees. Anyone with any common sense would know if we had {$6000.00} in late fees they would have foreclosed on our home by now. But you all believe it and they submit as proof the original loan agreement from 2006 how does that prove we have not made our payments and owe the balance. It doesn't and you all have the nerve to close the complaint and not even contact me to give me a chance to defend myself in this you say it has been completely resolved. For who I ask? You because it was not us. How horrible is this. This is Consumer Protection I think not! You all are as bad and as low down as DiTech Financial. You need to reopen this and actually require proof of the so called solution not write it all off to save some work!! Stop pretending you protect or even help all the consumers because if this is help NO ONE NEEDS IT!!!!! As for proof I have all 38 pages of my payment history I will be more than happy to send you! I am attaching it!
Product: Credit reporting or other personal consumer reports

COMPLAINT FOR CFPB XXXX REMOVER LATE PAYMENT ( ( XXXX XXXX XXXXXXXX ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EQUIFAX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to EQUIFAX regarding a late payment reported by [ name of the creditor ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being
Product: Mortgage

Email sent to Freedom Mortgage this morning. 

Hello XXXX, XXXX XXXX and yourself were on the phone yesterday discussing an insurance check that needs to be signed and returned to him. 
It was agreed upon that you would do some more investigating and send him an email yesterday before your shift was over and communicate your findings. That was not done and nothing has been received still today. 
Note this was agreed upon after he had been on the phone with Freedom Mortgage for an hour and a half while working. 
XXXX is still not clear on what the problem is. He does not understand why he is not receiving his reimbursement check. All that was needed was a signature from a representative of Freedom Mortgage. The check was overnighted to your company and received by you on XX/XX/year>. 
He has paid for these home repairs out of his pocket months ago. This claim was first submitted over 10 months ago. 
It took the insurance company months to send the 1st check and then months and numerous phone calls and emails for them to send the final reimbursement check. 
Now Freedom Mortgage is holding up the funds again. Did I say these repairs were paid for in full out of my own pocket? 
The insurance company has confirmed all repairs have been completed to my home. 
A new roof was installed and drywall replaced and painted. 
I do not understand why Freedom Mortgage will not sign my check and return it to me. 
Who and what do I need to do to get my money ASAP? 
I have been very patient and am at the end of my rope. I pay my mortgage on time each and every month. I pay my insurance on time annually. 
This is not fair and I am literally at the end of my rope. 
I would ask you escalate this to someone who can provide and ETA of my money being you did not keep your word and provide a timely update as agreed upon. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus for reporting late payments on my consumer report that I did not give them permission to furnish and this is defamation of character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My partner and I have been Bank of America Clients for a few years and always do ATM CASH deposits into our checking accounts. Today XX/XX/23 we went to their branch on address : XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX to do a new ATM deposit, the time was XXXX ( pictures bellow ), we inserted our cash in total {$3300.00} ( the machine swallowed XXXX {$100.00} dollar bills + XXXX {$20.00} dollar bills ), while counting the money I took a picture and the machine simply went back to the main menu, The money didn't go through. We didn't get any receipt. We talked to the Bank of America stuff, they asked us to open a Claim by Phone XXXX and say the ATM ID - XXXX, and we did. They said we need to wait about two weeks to be investigated, this is ridiculous, we need this funds today. We trusted this ATM machine while the bank is opened, if we knew that this kind of issue could happened we would go to the cashier and have our fund right now. We really need help with this matter because this is the money to pay ours bills which is due today. 
Thank You for helping us in this case, we don't have more funds in hands to be deposited. For sure someone will open that machine today and will figure it out and see our {$3300.00} dollars there.
Product: Vehicle loan or lease

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
Product: Student loan

My servicer MOHELA is incorrectly denying me access to the PAY AS YOU EARN repayment plan. On XX/XX/XXXX, MOHELA approved me for the Income Contingent Repayment plan, but today, XX/XX/XXXX, a supervisor and customer service representative have incorrectly informed me that was the only IDR plan I was eligible for. Thus, I am seeking help from the CFPB to allow me to properly access the PAYE plan for my single Direct Consolidated Unsubsidized student loan. 

I had no federal student loan balance prior to XX/XX/XXXX, and have also borrowed at least 1 Direct loan after XX/XX/XXXX, therefore classifying me as an " eligible new borrower '' for PAY AS YOU EARN under 685.209 ( a ) ( 1 ) ( iii ). First, in XX/XX/XXXX, I consolidated my Parent PLUS loans into a Direct Consolidated Unsubsidized loan. In XX/XX/XXXX, this loan was consolidated with 3 Direct Stafford Unsubsidized student loans into a new Direct Consolidated Unsubsidized student loan, which is the loan I currently have with MOHELA, and the same one for which they are denying my PAYE repayment plan request.

Per 685.209 ( a ) ( 1 ) ( ii ), an " Eligible loan, for purposes of determining whether a borrower has a partial financial hardship [ ... ] means any outstanding loan [ ... ] except for a defaulted loan, a Direct PLUS Loan or Federal PLUS Loan made to a parent borrower, or a Direct Consolidation Loan or Federal Consolidation Loan that repaid a Direct PLUS Loan or Federal PLUS Loan made to a parent borrower. 

My current Direct Consolidated Unsubsidized student loan with MOHELA is not a loan that repaid a federal PLUS loan made to a parent borrower as it repaid Stafford Unsubsidized and a Direct Consolidated Unsubsidized loan, and is therefore eligible for PAYE. 

Under the proposed Prosper Act, HR 4508, the XXXX House Majority proposed in Sec. 466. ( 5 ) B to make " excepted consolidation loans '' ineligible for repayment options such as the PAYE plan. They specifically defined an ineligible loan for options besides ICR as a loan that repaid a Parent PLUS, a consolidation that repaid a Parent PLUS, or a consolidation that repaid a consolidation of a Parent PLUS. The proposed Prosper Act failed and therefore, this condition does not exist under current law. If this restriction currently existed, Congress would have had no need to attempt to change 685.209 ( a ) ( 1 ) ( ii ) to add the additional restriction.
Product: Student loan

I have my student loans with Navient and every-time I turned in a loan forgiveness form signed by my school administrator because I work in a XXXX XXXX  XXXX  it was rejected, I should have had my loans paid off by now because i have been XXXX over twenty five years but instead Im still paying on a high debt loan because they would never accept my forgiveness so i will be retiring in a couple of years and still having to pay Navient thats is just unfair.
Product: Debt collection

This account was in 2014, it's already been taken off my credit report it's so old. They bought my name or something and is trying to drag up something from 10 years ago. I spoke to my atty, and he Said just throw their letters away that case is over they're just mass mailing people accts they've bought, someone has called y to see the date on it, and knows statute is up. But in the meantime I'm getting letters and non stop phone calls. He suggested I write the company and ask for original paperwork, but they keep changing their name, it was portfolio recovery but the letterhead was someone new, which I didn't keep the letter, since I was told it was old, do nothing just throw it away. If they would even look at the date they'd see their error. I don't know who they are but this is close to harassment. They call at least 3x a week. I would like them to cease and desist any further contact with me. And read what they buy and try to collect on. 

Thanks XXXX XXXX
Product: Student loan

I have been trying to get clarification about how many qualifying payments I have made toward my 120 payment goal with XXXX XXXX. They last told me I had made -- 3 -- payments that qualify!!! I have made well over -- 30 -- payments and they are not accepting most of them and saying that I was not in a " qualifying loan '' which is HORSERADISH. They simply do not want borrowers to ever repay their loans.
Product: Debt collection

I am being called repeatedly because my name is the same as the debtor. I have called and provided the last XXXX of my social and the system has been updated repeatedly, but yet the calls keep coming up to 4 times a day. The issue should have been resolved last XXXX and the phone they are calling is used for my XXXX business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts several times through Experian and directly to each furnisher. Some items were modified to report correct information, most were not. I mailed a method of verification to Experian for the remaining inaccurate accounts. No response after 30 days. I gave more than the 15 day allotted time.
Product: Checking or savings account

My bank account ending in XXXX has been restricted after I attempted to reverse a wire made into my account from XXXX XXXX XXXX. I made the wire originally into Ally, they took my money, and after unacceptable service I'm trying to wire it right back out to the same account. This is the second time this has happened to men and now I can't make a down payment for my house because of this activity from Ally. 

After I verified with this bank that it was me making the wire, an hour later they restricted my accounts. I am crying. I can't do this with this bank anymore. I really am not happy right now with this bank. 

Please allow me to wire my money back out. I can't take a check, a check will take too long. Please
Product: Credit reporting or other personal consumer reports

I have had a target card since XXXX and have never missed a payment. In XX/XX/XXXX I was a victim of Identity fraud at my bank XXXX I had to close my acct and open a new acct with my bank. Target was one of my many auto payments through my bank acct. as I have several I could not remember all my auto payments and since my bank closed my old acct I could no longer view my old activity. So I figured I would get notified of a payment failing from target like many of my other creditors did. I did not recieve any notifications either through email, text, or mail that I missed a payment. I went to target in may to find out my card was declined. I called target card services and they stated my card acct is closed due to 3 30 day late payments in a row. I explained the Fraud that had happened to me, and told them I have not been notified about any failed payments or late payments. they also could not provide me with any proof they had sent me any notifications.
Product: Student loan

Almost a year ago I received a call from a student loan consolidation company called Fedloan servicing. They told me that they would be able to assist me in consolidating my loans lowering my payments and removing my interest rates. My loans combined were like at {$16000.00} with XXXX XXXX who was the original lender. Fed loan servicing told me they would lower my payment to {$9000.00}, and all I would have to do is get on an automatic payment plan with them and show them my recent tax returns. My loans were in deferment at the time of their offer, seeing that my loan was going to get cut in half and I was planning on returning to school as soon as I was able to make a cash payment to the school I had previously attended to get my transcripts released. So I went ahead and signed up with Fed loan servicing thinking that they would alleviate the burden of the interest accumulating. So now here I am I was able to get my transcripts released and I transferred to a community college. I come to find out that Fed loan servicing has been taking out subsidized and unsubsidized loans without my consent. My loans are up to {$18000.00} now in repayment. I never was made aware that this company would be using up my student loan money. inclusively they changed all my information on the FAFSA website with an email address that I was never made aware of. I am enraged, this is an injustice, I never approved of them using my student loan money. Please help me.I mean is it even legal for them to be signing promissory notes on behalf of me without my knowledge and consent? 
Thanks
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$220.00} Open Date XX/XX/2020 XXXX. XXXX, XXXX XXXX {$680.00} Open Date XX/XX/2020 2020