23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mtg ln was sold from XXXX XXXX to Nationstar Mtg off XX/XX/2016. I requested payoff from XXXX so I would not experience fallout. They sent info back to me via snail mail and I got it on XX/XX/XXXX/letter from XXXX stated that eff XX/XX/XXXX, all pmts must go to Nationstar. I decided to send {$50000.00} a day via bill pay ( electronic file ) the week of XX/XX/2016 to XXXX to pay down the loan of {$220000.00} gradually and reduce daily interest. My Monday XXXX and Tuesday XXXX electronic payments were returned from XXXX so I cancelled the remaining electronic payments scheduled for that week ( additional {$120000.00} ). Called their customer support and was advised there was a 'code ' on my account and no credits could be applied UNTIL AFTER the transfer process from XXXX XXXX was completed - BY XX/XX/2016!! ( where I 'd previously worked, conversions of complete banking institutions were completed over a week-end so as not to affect customers ). So for an entire week, I was unable to reduce my principal. So I opted to send a cashier 's check for {$220000.00}. via certified mail on XX/XX/2016 ( tracking # XXXX ) then once applied to my loan # XXXX, I 'd get a new payoff on the remaining balance of approx {$800.00}. But I decided to wait until after they sent my county taxes that were due no later than XX/XX/2016 from the escrow account. As of today, XX/XX/2016, I confirmed my cashiers check for {$220000.00}. was signed for at Nationstar Mtg the morning of XX/XX/2016 but that payment has not yet been credited to my mortgage. Thus the daily interest on that at 3.50 % of {$21.00} has accrued unjustly these past 2 nights. And the county taxes have not yet been paid - they only have this week to get that done. Calls to customer support on XX/XX/XXXX were met with the response that payments can not be effective dated and it was my responsibility to pay the accrued interest during that timeframe! I know that inability to effective-date payments to be a false statement. And their emails welcoming me to their 'world ' noted that payments due the week of XX/XX/XXXX thru XX/XX/XXXX would be posted with the correct effective date when processing was able to be started ... First complaint is the consumer should NOT be penalized daily accrued interest because their system can not complete conversions of purchased mtg loans for a week.. Second complaint : why have they not yet posted my cashier 's check received by them on XX/XX/XXXX. And when they do, they should be required to effective date the posting so that accrued interest will adjust accordingly. Thirdly - when are they paying my county taxes due by XX/XX/2016 ( Sat ). Having worked in XXXX for over 45 yrs, I 'm perhaps a bit more knowledgable than the norm and when I 'm told that effective-dating payments can not be done then I know they are either misinformed in the customer support or they are gouging customers.. Letter with documentation sent to XXXX XXXX , XXXX on XX/XX/2016 as well. Awaiting response.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Against XXXX, XXXX, and Equifax Dear CFPB Dispute Resolution Team, I am writing to formally request your intervention regarding an unresolved issue with a negative remark on my credit report. Despite my efforts over the past year to address this with XXXX and the credit reporting agencies ( XXXX and Equifax ), my complaint has not been acknowledged or properly investigated. 

The negative remark pertains to a vehicle repossession that should have been removed from my credit report, as it is over XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), this information should no longer be reported. 

However, XXXX, XXXX, and Equifax have failed to comply with this requirement. 
The CFPB should investigate and fine XXXX, XXXX, or Equifax if they do not correct my credit report. The CFPB has taken steps to ensure companies follow the law 's requirements, including investigating disputes and not providing disputed information that can not be verified. The FCRA requires consumer reporting companies to investigate when notified of incorrect or incomplete information. However, these companies have not complied with this obligation in my case. 

For your reference, I have included the following documents : - Page XXXX : XXXX XXXX XXXX 's XX/XX/XXXX Complaint to XXXX  - Page XXXX : XXXX XXXX 's XX/XX/XXXX Complaint to XXXX - Page XXXX : XXXX XXXX sent on XX/XX/XXXX - Page XXXX : XXXX XXXX sent on XX/XX/XXXX - Page XXXX : Equifax Dispute Results Confirmation # XXXX - Page XXXX : XXXX Notice of Repossession - Page 22 : Identity Verification Documents I urge the CFPB to take action and hold these companies accountable for their failure to comply with the FCRA.

Thank you for your attention to this matter. I look forward to your timely response and resolution of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had a debt with XXXX XXXX  due to my XXXX XXXX card being sent to collections in the amount of XXXX. The debt was transferred to a debt collector by the name of midland credit. 

On XX/XX/XXXX, I made a settlement payment in the amount of {$1300.00}. Was told that this will reflect on my credit report and they will notify XXXX as well. 

I checked and noticed this was not updated as said. I disputed said account with experian. However, XXXX did not reflect the status to show that the debt was settled. However, reflects that the amount is charged off at XXXX and written off. 

XXXX refuses to redispute. I'm simply asking for my account to reflect accuracy of payment. 

If they continue to report as if I never made a payment or tried to resolve, why would I have even bother to do so? Is extremely frustrating so I'm asking for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX CARD Date of inquiry : XX/XX/2022 XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Debt collection

On XX/XX/2019, I received a notice in the mail stating that I owed {$340.00} to our doctor 's office. My husband also received a notice and that will be addressed in a separate complaint here. My husband and I have the same doctor. We always are told if we owe money for the day 's visit, but we also have an arrangement of {$25.00} per visit per person. The last time we were in the office, we were NOT TOLD that we owed any money nor did they ask for our arranged payment. To me, that is THEIR RESPONSIBILITY TO let us know that we owe the payment.
Product: Mortgage

Due to COVID-19, I have negatively financially impacted. It is my understanding that based upon the Governor 's order that there would be a mortgage forbearance, however, that is not true. Select Portfolio Services is instead deferring my payment three months and then requiring me to pay a lump sum payment which does not help me. My understanding was that the payments were supposed to be moved to the end of my loan. Likewise, Select has now threatened foreclosure if I can not pay. I have tried to reach out to them, but they will not work with me. It is my understanding that they are violating the law.
Product: Debt collection

I have XXXX advocate representing me and they called and sent out XXXX & via us mail to stop calling me & then they started not only calling me but also my work which then XXXX sent them another XXXX & also phoned them to cease but my work got another call from them today I am a home care provider I 'm out in the field I 'm not aloud to receive person calls & such I can lose my job over this and I told them this and yet they still continue. Please help me with this situation, I need my job. Thank you!!
Product: Debt collection

Affirm is contacting me via phone multiple times per day along with emails and txt messages to try and collect even a early as my due day! Sent email asking them to stop, but nothing has changed. Even brought up the Fair Debt Collection Practices Act, and still no change in the harassment by Affirm!
Product: Student loan

I was manipulated into getting this loan. The counselors at my school made me think I needed this loan and I was told that I had a fixed interest rate. Navient convinced for to keep getting a forbearance because I could n't afford to pay it back.
Product: Credit reporting or other personal consumer reports

Company reporting on my account. 
Company reporting charge XXXX XXXXXXXX off Refuse to send proper XXXX for tax filing The proof of inaccuracies FRAUD WARNING AGAINST REPORTING 15 USC 1681 E B
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242, while commuting securities fraud Acct name : Department Of EducationXXXX Acct XXXX XXXX Fact : Section 18 usc 241 : makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the Unites States or because of his or her having exercised such a right.

Fact : Section 242 of Title 18 makes it a crime for a
person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States According to federal reserve act section 16 part 2 : it states my Application/ PROMISSORY NOTE ( bill of exchange ) was used as a bill of exchange to fund the account as collateral! 

Fact : Federal Reserve Act : Section16 ( 2 ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

As you should know, FACT : Federal Reserve Act Section 29. Civil Money Penalty c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- * {>= $1,000,000} ; or * 1 percent of the total assets of such member bank.

In conclusion you are commanded to deleted from all consumer reports and compensate for ALL VIOLATIONS!!! Failure to perform will lead to a federal lawsuit against your corporation for breach of agreement and securities fraud accordingly to Bill of Enchange Act, and Federal Reserve Act
Product: Mortgage

i paid off my mortgage with bank of america when i refinanced. b of a charged me a {$90.00} " fax fee, '' which seems ridiculous and unfair. they also charged a {$45.00} " reconveyance fee '' and a {$14.00} recording fee. i could buy a new fax machine for {$90.00}. this is absurd, outrageous, and i want a full refund for that fee! 

the fees banks and lenders can charge when you payoff their loans should be regulated so that we consumers are not hit by this arbitrary and ridiculous fees that we can not challenge during the payoff process. 

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

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I
have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX  XXXX, MI XXXX, But bureau reported that I have many addresses like XXXX XXXX PL XXXX, CA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

In approximately XX/XX/2015 I contacted Navient and requested the total amount due to bring my account current. The Navient representative provided me with a specific sum that needed to be paid to bring the account current. However, the information given to me was wrong and I was not advised of this fact until approximately 3-4 months later. At that time a different Navient representative advised me that I was given the wrong amount due XX/XX/2015 and that for the past 3-4 months I was past due and would be reported to the credit bureaus. Essentially, I relied the the Navient representatives representation to my detriment. This detrimental reliance caused me to suffer financially and has now directly impacted my FICO score and my ability to refinance my home loan. It is noted that this is not the first time that a series of actions like this have occurred and in fact this occurred approximately 3 times with Navient 's predecessor XXXX XXXX. The worst part is that Navient acknowledges that they made a mistake but takes absolutely no responsibility in remedying the problems they caused.
Product: Checking or savings account

When I first discovered the fraudulent charges I immediately contact XXXX XXXX  as required. I completed the required dispute form and emailed it on XX/XX/XXXX ; 1 day after I received the form. When I called to report the fraud I was told by your agent that the money would be returned and not to worry. I was also told that the two XXXX and XXXX charges were pending and would be reversed. I have yet to have this money credited and now that also is in dispute. Please listen to the call if you need to verify this information was told to me. As I told the representative I do not drink coffee or tea and very rarely visit XXXX ( see account history ) I also do not have a XXXX account that can also be verified via my account history as well. The XXXX account is clearly not in my name/address and I am requesting the name and account number and all information you have on this account. I am not familiar with your internal policies or procedures but this issue has caused a tremendous financial burden on my family. I relied on your representatives to provide true complete and accurate information. Why couldnt this charge be reversed in a timely fashion as I was told? 
The other charges should have a video proof that I did not make the withdrawals and/or additional purchases. I am not familiar with most of these places but I do not use the ATM when there is a fess to get This information was requested on XX/XX/XXXX and to date have not been received. 
I called on XX/XX/XXXX and talked to another representative who told me to follow the instructions in the letter to have the disputes reevaluated. However, the letter does not state this is the procedure? How can we as consumers navigate the system when your representatives are giving different instructions than your written correspondences? 
Also, the Federal Trade Commission states that under the federal Electronic Fund Transfer Act that I would not be liable if I notified you within two business days after you realize the card is missing. I did notified you in less than 2 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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: Student loan

I have student loans through XXXX. I have submitted documentation to re certify for the income based repayment plan. They denied and said I needed to send in my XX/XX/2017 tax info. I did do that online, but went ahead and sent it in again and I got conformation it was received. I was checking my account on line and I saw the payment was {$390.00}. So I called and talked to someone about the amount was too high. He suggested doing a forbearance and for the month of XXXX and by then the re certification should be done and payment should be lowered. So I agreed and hung up. I checked my account the next day it showed I owed {$280.00}. and my payment was late. Which was not true I made my payment early before the due date and the amount was {$190.00} which was the amount I have been paying for the past year or so. I called and talked to someone and told them the amount was wrong and there should be a forbearance and it should show that I do not have a payment due. He was trying to tell me I owed back payments from XX/XX/2017. I asked to talk to a supervisor and he would not let me and said he had it figured out and that was it. I later called back because I did not believe him. I talked to lady and she tried to tell me I was not paying the right amount and I told I was and asked her to look at my statements. The reason I figured I was being charged this {$280.00} was it states interest is being recapitalized such as when a loan goes into repayment or if there was a deferment or forbearance. So that what I could see. Which is a problem because I was not in any forbearance before I made these phone calls. The lady I was talking talked to her supervisor and it should not have been there and they were putting in for a reversal. So far it has not. The agents did not seem helpful and tried to accuse me of not paying the right amount of or saying I owed something I did not. I have had trouble with XXXX XXXX when I first started with them. I am part of the loan forgiveness program and they are my only option. So I am frustrated and disappointed. I hope someone can help me.