23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a XXXX year fix rate conventional loan that Freedom Mortgage took over in XX/XX/XXXX. Historically my mortgage payment may increase a small amount when the taxes and hazard insurance are paid at the end of the year and the new tax bill or Hazard insurance has increases. On XX/XX/XXXX I called Freedom to see why my payment increased and talked with a representative ( ID # XXXX ) that explained to me that I did not have enough money in my impound account so I would need to pay the shortage ( XXXX mon. ) in full in order for my payment not to increase. He proceeded to inform me if I did not pay it I would be sent to collections. I did pay the amount over the phone so that my monthly payment would not go up ( {$140.00} check # XXXX ). I added to the conversation I never asked to go paperless and would like paper statements. I just received my paper statement and now Im noticing Im being charged " Total fees & Charges '' when I called on XXXX and talked with another representative ( ID XXXX ) I was told that was for the escrow shortage and it will only be for a few months and it will drop off. I requested an escrow analysis and new statement to be e-mailed with the reflected " new '' monthly mortgage amount. No e-mail was sent as of today and I am not buying that the " Total fees & Charges '' are a reflecting of my escrow account. I noticed that when I called the automated line it gave me the amount of my next mortgage payment of XXXX due but when I asked the rep. ( XXXX ) on XXXX what my current payment due is she told me XXXX but my statement for XX/XX/XXXX states amt. due is XXXX I received XXXX different amounts due all in one evening! My main goal is to find out what the " Total fees & Charges '' are for and have this removed. I have been charged this fee starting XXXX at {$40.00} and XXXX it increase to XXXX each month thereafter/until present.
Product: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within XXXX  days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke XXXX XXXX XXXX XXXX - XXXX liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 
XXXX XXXX XXXX XXXX - XXXX liability ( a ) Amount of damages
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a loan for {$18000.00} through XXXX XXXX. I received several offers. Sofi offered me a 7 year loan with a 10 % interest rate. These were the best terms I received and so I chose to move forward with this company. After having them run my credit and checking my pay stubs they came back with worse terms than other competitors had offered. I spent the last week going back and forth with them and my Human Resources department to provide them the further income documentation they said I needed for them to follow through on the loan terms they had offered on XXXX. After providing them everything they asked for they once again gave me the same loan they originally offered. Essentially I was given the run around in an attempt to wear me down and accept the actual loan terms they always intended to give me which were not the terms I was lured into their company with. Essentially, this is a classic bait and switch situation. I am not taking their loan and hope that filing a complaint here will shine a light on this company 's dishonest business practices so as to spare other borrowers from the same deceptive trap I fell into. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXAcct # XXXX XXXX XXXX XXXX Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Product: Vehicle loan or lease

My auto loan with Bank of America ( BoA ) was reported XXXX  days past due to the credit agencies. My XXXX XXXX dropped from XXXX to XXXX as reported on XXXX 

I was never more than XXXX  days delinquent. I called BoA to resolve this on XX/XX/XXXX. I was told my dispute would be escalated internally to the XXXX department for XXXX. I was told I would receive formal correspondence with a decision within XXXX business days from the date of the call. It is now XX/XX/XXXX and XXXX business days have passed. I have not received the promised correspondence.
Product: Payday loan, title loan, or personal loan

I made all  XXXX  payments - some were late, some on time. The contract did n't state anything about an amount for late fees. I am now being told that I have two additional payments left to pay. I feel that I have made the contracted payments and their website shows only a maximum of 5 % for a late fee, yet nothing is stated in my contract. The maturity date on my contract is  XXXX / XXXX /  XXXX   - and now as of  XXXX / XXXX /  XXXX   they are telling me I owe more. I have attached my contract along with a payment statement from their website and their disclosure from their website.
Product: Student loan

My two student loans were consolidated under XXXX XXXX XXXX in XXXX of XXXX at a combined total of {$41000.00}. Several times I inquired about how payments are applied and my balance. At XXXX point, XXXX XXXX, XXXX, I had paid a total of $ XXXX.Of this amount, {$230.00} has applied to late fees, {$15000.00} has applied to interest and the remainder of {$2600.00} has applied to the principal balance of the loan bringing it down the balance only {$39000.00}. Incredible, so after 7 years at that point, I'd only paid off less than {$3000.00} of the principal. Doesn't add up. 

I inquired about extra payments I made and received this statement, " We are unable to apply funds to the principal balance unless the late fees and the unpaid interest is satisfied. Therefore, if you are making extra payments or payments above and beyond the minimum monthly payment we can not designate for those funds to be applied directly to principal unless the above information has been satisfied. '' Very confusing statement as if I do not have any late fees or unpaid interest after making payment, anything extra should go directly towards the principal. I made extra payments often. Never the case. Most late fees came from issues with the site and payment processing. 

In XXXX XXXX, my loans were transferred to Navient by XXXX. I'm having a similar issue with payment calculations. As of today according to Navient, XX/XX/XXXX, I still owe {$44000.00} over the next 13 years until XXXX on top of nearly the $ 25,000+ I've paid between XXXX and Navient. To add insult to injury, Navient marked my first two payments late even though I was never notified of the due dates or anything of that after they were transferred. I received an email stating I'd receive information and the next communication I received was an overdue notice. 

This is unacceptable and unfair to the consumer because there is little we can do to rectify the situation. It doesn't take a genius to see what's happening as payments are applied in a fashion to keep the consumer in debt.
Product: Student loan

I was in the process of trying to purchase a home when a loan I previously consolidated appeared on my credit report. I attempted to make contact with Naviant and the XXXX and they both stated they did not have the loan even though it appears on my credit. My current situation is that I am being garnished by the loan serviced Navient even though they claim they have no record of my account. I want to pay what I owe but I question their calculation and the lack of information regarding status of my loan. I have waited on the phone more than 3 hours total over 4 days trying to rectify. I need to know my next steps. I have notified all of the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

compliant abount Experian credit.reporting wrong information on my credit report. 
I was turned down for refinance because Experian gave wrong information. 
I complaint to company to send documents, never send them.i called company, they are turning right information, but Experian is reporting wrong information. 

the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX or [ XXXX ] XXXX account # XXXX.never miss payment or late.
Product: Credit card

On XX/XX/XXXX, my statement showed a balance of {$32000.00}. On XX/XX/XXXX, I made a payment of {$32000.00} toward my Chase XXXX XXXX credit card. However, on XX/XX/XXXX, Chase charged me {$480.00} in interest fees, along with an additional {$400.00} interest fees on XX/XX/XXXX, citing that I had underpaid by {$760.00}. These charges seem unfair. 

Moreover, after my {$32000.00} payment on XX/XX/XXXX, the Chase online system displayed a statement balance : {$0.00} and never provided any alerts or notifications indicating that I still had an outstanding balance of {$760.00}. I requested Chase to investigate a potential system issue or clarify why this discrepancy occurred, but they refused to do so.
Product: Credit reporting or other personal consumer reports

Ive been disputing inaccurate data on my credit report since XX/XX/year> Experian isnt doing proper investigations into the inaccuracy of the information not one account is displaying the accurate information and that alone is grounds for deletion all the credit reporting agencies should show the same account information otherwise its not accurate but for some reason they dont feel the need to do there jobs. And they just keep verifying inaccurate information as accurate which is far from true. Id hate to have to arbitrate with them but from the looks of it thats where its heading because its becoming increasingly frustrating I know the information is inaccurate they also know but they wont do anything about it an also According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the 2017 Equifax data breach. My information was compromised and accounts were opened in my name that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

We XXXX and XXXX XXXX received on XX/XX/2021 a credit report showing credit scores below : XXXX XXXX XXXX XXXX XXXX XXXX We have asked on numerous occiassion for the credit burea to come to arbitration or court and they have found XXXX ways to get out of it. We have kept 10 years of paid receipts Rent, Car, Credit Cards, Utility Bills. When we dispute bills via certified return receipt that are fraudlent they refuse to goto arbitraion and or court. We would like to have each credit burea come to court and I will bring 10 years of paid receipts that show they have not been very honest or fair in their dealings. 

The credit Bureau who gave us the credit score is XXXX  XXXX XXXX XXXX XXXX Texas XXXX XXXX
Product: Debt collection

Your submission, [ Case number : XXXX ] Postcards with my name were left XXXX in my Daughter 's entry to her apartment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF FRAUD DUE TO AN DATA BREACH, AND MY INFORMATION BEING EXPOSED ON TRANSUNION CREDIT REPORTING PLATFORM. THERE ARE 18 FRAUDULANT CREDIT LINE INQUIRIES ON MY TRANSUNION CREDIT REPORT. I HAVE TALKED TO SERVERAL AGENTS AT TRANSUNION ABOUT MY CONCERNS, AND WAS TOLD IT WAS NOTHING THEY COULD DO AND THE FRAUDULANT ACCOUNTS WILL STAY ON MY CREDIT FOR 10 YEARS. THESE ARE THE 18 FRAUD ACCOUNTS THAT TRANSUNION ARE REFUSING TO REMOVE 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 XXXXXX/XX/year> THESE ARE FRAUD ACCOUNTS ATTEMPTS MADE ON MY CREDIT REPORT, THAT I DID APPLY FOR AND I AM NOT AWARE OF ANY OF THESE ACCOUNTS.
Product: Mortgage

I provided a completed XXXX borrowers assistance form on XX/XX/2021. XXXX refused to provide me a covid modification. 

This is paragraph is background only. XXXX is going to claim that they addressed this. However, XXXX merely restated they half facts and omissions about the number of conflicting statement amounts ( {$990.00} ) XXXX sent that differed from the modification offer letter ( {$1000.00} ). They never resolved their error. After I made XXXX successful trial medication payments, XXXX refused to provide the modification because I made the trial modification payments on their statement, which differed from the modification letter. I asked for clarification in a timely matter, but XXXX refused to answer for over 60 days when I filed a XXXX complaint. In in the response to CFPB ( over 60 days later ) XXXX said it was confirming that I would not get the modification in that current response because I paid their statement amounts. XXXX violated servicing rule XXXX ( XXXX ) ( XXXX ), XXXX ( XXXX ) ( XXXX ), and XXXX ( g ) ( XXXX ). 

As a result, of XXXX refusing to make the modification permanent after their deceptive trade practices and violating CFPB rules, we are at this new complaint. 
I am in a covid forbearance because I experienced a hardship as a result of XXXX. 
On XX/XX/2021, I submitted another completed application. After several attempts to make it look incomplete, XXXX finally acknowledged they had all my documents. Afterwards I even sent them an additional pay-check stub from my new job. Then, XXXX tried to make it appear as if I had not submitted tax information. 
My forbearance ends on XX/XX/2021. XXXX has a loss mitigation review process. But, they are using the same excuse they used above saying that my modification is waiting for supervisor approval instead of completing the process. Then, they deceptively claimed my application was sent for investor approval because I did not provide the requested documents. It is a deceptive trade practice for XXXX to request an unnecessary document asking me to share my personal information with a third party and then attempt to use that document to claim that I did not submit the requested documents. It creates confusion because requested is not the same as required. The modification needs to be in place for XX/XX/2021 so they do not start harassing me for the payments that were not paid during XXXX. If they refuse the modification and know that I can not pay all the back payments, that would pave the way for them to start foreclosure. 

Now, XXXX is falsely claiming that I did not send all the requested documents and they are waiting on the investor. Well, I did submitted all the required documents. 
I am attaching the long XXXX XXXX showing how long I have been dealing with this. 
I am attaching the completed application and all the requested documents.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : Wells Fargo, XXXX, XXXX XXXX, XXXX, among others. 

I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims. 

According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur. 

To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter. 

Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance. 

Thank you for considering my request. I look forward to a favorable resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

They called me over 4 times in under an hour on XX/XX/23 between XXXX from XXXX. Claim to be XXXX XXXX. They claimed they have me on camera in my XXXX uniform walking inside of a check and go.. first off, my job doesn't have uniforms and I don't have a XXXX uniform. 
XXXX off, there is no check and go here. XXXX, he cussed at me, called me stupid and named off all my personal information, threatened to have my wages garnished and some more. 
I've never received a letter in the mail of any documentation of this. I've never walked inside a check and go. Don't even know what a storefront looks like but there's none around here in this small town. I am tired of them harassing me.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unfair Treatment and Discrimination as a Consumer Dear Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ), I am writing to formally express my deep concerns and dissatisfaction regarding the unfair treatment and discriminatory practices I have experienced as a consumer in my dealings with Experian. My recent experience with their handling of my credit dispute highlights a blatant disregard for consumer rights, as set forth by the Fair Credit Reporting Act ( FCRA ), and has left me feeling discriminated against and unfairly treated in the process. 

On XX/XX/year>, I submitted a detailed request to Experian, alerting them to multiple inaccuracies in my credit report that were causing significant harm to my financial standing. I requested that they investigate and correct the discrepancies, as I have the legal right to dispute inaccurate or incomplete information on my credit report. However, the response I received was dismissive and fails to comply with federal law. Instead of addressing the core issue and fulfilling their obligation to investigate and correct my report, Experians response simply stated that the request did not appear to have been sent directly by me, despite clear evidence to the contrary. 

This decision to withhold any action based on an arbitrary judgment about the authenticity of my request is discriminatory and has only furthered the damage to my financial credibility. This practice goes against the FCRA, which mandates that credit reporting agencies must reinvestigate disputed information in a consumers file free of charge, without imposing unnecessary and baseless hurdles on consumers like myself. Their failure to investigate my disputes not only violates this mandate but also reflects an underlying bias and discriminatory treatment against me as a consumer. 

I have provided them with my personal information, including my Social Security Number and Date of Birth, to ensure proper identification and verification. Yet, despite this, Experians refusal to engage with my dispute, under the pretext of unauthorized submission, is unjustified and unfair. I feel that I have been targeted and dismissed without due consideration, leading to undue stress and financial harm. 

I ask that the FTC and CFPB urgently investigate this matter, as it pertains not only to my personal experience but potentially to a pattern of discriminatory practices against consumers by Experian. I am seeking fair treatment, compliance with the FCRA, and immediate action on the part of Experian to address my disputes in good faith. 

I am confident that your agencies will take this matter seriously and ensure that consumers like myself are protected from such unfair treatment. I look forward to a prompt resolution of this issue and an end to discriminatory practices that undermine the integrity of the credit reporting system. 

Sincerely, XXXX XXXX