23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am behind on my house payments and need help saving my home from foreclosure. I reached out to Nationstar and have provided them with the paperwork they requested to review me for a modification but I have a sale date scheduled on XXXX/XXXX/16. They are now telling me there is not enough time to finish the review and that my home may go to foreclosure. Please help in any way possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX paid off the mortgage account, and it's still show late payments not consistent with the other bureaus. The status of accounts has not been up dated to show correct information. It is illegal to show late payments on a consumer credit plan as late for any reason. The accounts are still not showing paid as agreed. Not to show paid as agreed with late status, is illegal under the fair credit reporting act. In accordance with statue 15 usc 1681 section 8602, I have a right to privacy. I gave wells fargo home mortgage a chance to do the right thing. Please delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make sure to update the following accounts as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The company that initially had my loan, descended to sell my loan to a subsidiary company. I was told to wait until the transfer was complete. The subsidy or company was given the absolute wrong mailing address and wrong email. I was never contacted. I waited and instead got remarks on my credit report, this destroyed my credit. Even though they confirmed they had the wrong mailing address and did not contact me, they do not want to claim responsibility. I did as I was told and was punished for their mistake. Sloan should accept they mistake they already confirmed and admit it to the credit agencies too.
Product: Student loan

I was contacted by Navient back in XX/XX/2020. Navient told me my loan was fixing to be due. They told me I had to consolidate my loans in order to get Public Loan Forgiveness. So, I filled out the paperwork for the consolidation and the Public Loan Forgiveness, ( PLF ) documents. I sent the PLF forms in to the Department of Education and it was approved. I also filed the consolidation paperwork online as I was told to do so. I then found out yesterday that my PLF working dates ( which are numerous years of XX/XX/XXXX ) would start over because I consolidated my loans. I called Navient and explained my situation. I told them I wanted to stop the consolidation so that I could get the loan forgiveness. Navient 's representative told me again I had to consolidate in order to get PLF, which was not true in my particular situation. He then told me I could not get the consolidation reversed because it had been over ten days. I called the Department of Education back and they said that Navient could reverse the consolidation loan. I called Navient back and they said they would put a note on my account but it probably will not work because of their ten day acceptance policy. Please help me figure out how to get this resolved.
Product: Credit reporting, credit repair services, 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 : Acct. # XXXX, XXXX XXXX Acct # XXXX, XXXX : Acct XXXX XXXX XXXX Acceptance Now : Acct. # 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 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 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: Debt collection

From late XXXX ( maybe XX/XX/XXXX ) through early XXXX ( maybe XX/XX/XXXX ), Comenity Bank -- via XXXX XXXX -- harassed me in a way I have never experienced from a debt collector. I've attached 40 screenshots just from my phone from the various numbers they would use, of which approximately 1/3 to 1/2 were from blocked numbers, which I understand to  be illegal. Oftentimes, they would call back to back, five times a day. I did not collect these screenshots, but they would often call my husband, too, at XXXX. 

I do not traditionally answer unknown callers because I have a dangerous stalker situation and that person was known to call from unknown numbers. However, they had not done so for over a year, and suddenly, this arose. Obviously, at first, I thought that the unknown numbers were them trying to call me, intermixed with the debt collector trying to contact me as well. 

For a variety of reasons, all of my incoming and outgoing calls are automatically recorded as Missouri is a one party consent state and I am diagnosed with memory impairments. Finally, one morning when I had gotten something like 4 or 5 unknown calls back to back, I decided enough was enough and picked up my last unknown call. I was absolutely floored when it was not my stalker, but a representative of Comenity Bank. That recording is attached. 

The calls have stopped since then, but obviously, XXXX and Comenity Bank are well aware that these actions are illegal. They were just " banking '' on not being caught. These laws exist for a reason, and these attempts caused me considerable distress that flared up some old wounds. As I understand it, a board member for XXXX XXXX is responsible for the creation of XXXX XXXX. I am deeply disappointed that such a prestigious company would be involved in such low-level debt collecting practices, particularly when our bill was due on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, XXXX, and Equifax Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading and inaccurate to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe that the Credit Bureaus have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, # XXXX, and # XXXX and hoping that the following account be immediately corrected and or deleted on my Credit File : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT : Delete account : ACCOUNT : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX : # XXXX. Also please remove the following inquires : INQUIRY : XXXX XXXX  XXXX INQUIRY : XXXX XXXX XXXX XXXXXX/XX/XXXX, from my credit report because of multiple violations of the fair credit reporting act., violated my rights. I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

After checking my consumer report this morning I found an unauthorized collection account being reported on my credit by a company name Credence Resource MANA. I have no knowledge of doing any business or transaction with this company. This company is fradulently furnishing false information that was never confirmed by me and I never gave permission to. These actions are not fair or accurate and is ultimately an invasion of my privacy. The consumer agencies XXXX XXXX as well as the company CREDENCE RESOURCE MANA are all committing identity theft by using my private non public personal information with my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to nor benefit from the following accounts that are communicated on my consumer report XXXX XXXX ending # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX XXXX accounts ending # XXXX, # XXXX, # XXXX, and # XXXX
Product: Money transfer, virtual currency, or money service

I use zelle through the XXXX XXXX app to transfer money to my boyfriend for rent payments. You can not zelle more than {$1000.00} or else they will get it the next business day. My first couple of times transferring him money, I sent him over {$1000.00} and it was supposed to be in his account the next business day, but it showed up 2-3 days later. This was in the middle of the week with no holidays interfering. Because of this we were almost late on our rent payment. Since then I now just Zelle him {$1000.00} and then the rest of the rent in a separate transaction the next day so it is within his account in minutes.
Product: Debt collection

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 
6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

Removing auto loans from your credit report can be challenging, especially if they are valid accounts. However, if you believe there are inaccuracies or you want to address negative impacts from these loans, here are steps you can take : 1. **Review Your Credit Report** : Obtain a copy of your credit report from all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX You can get a free report once a year at AnnualCreditReport.com.

2. **Identify Errors** : Look for any inaccuracies related to your auto loans, such as incorrect balances, payment history, or accounts that dont belong to you. 

XXXX. **Dispute Inaccuracies** : If you find errors, you can file a dispute with the credit bureau reporting the incorrect information. Provide documentation to support your claim, and the bureau will investigate within 30 days.

4. **Negotiate with Lenders** : If you have paid off an auto loan but it is still showing as a negative account, you can contact the lender to request a goodwill adjustment. If you had a good payment history, they might agree to remove the negative mark.

5. **Pay for Deletion** : In some cases, lenders may agree to remove a negative account in exchange for payment. This is known as " pay for delete. '' Be cautious, as this practice is not endorsed by credit bureaus.

6. **Wait for Time to Pass** : Negative information, including late payments and defaults, typically remains on your credit report for seven years. If the loans are old, they will eventually fall off your report.

7. **Consider Professional Help** : If youre struggling to remove negative items, you might consider working with a credit repair agency. They can help you navigate disputes and improve your credit.

8. **Build Positive Credit** : Focus on building positive credit history by making timely payments on any remaining accounts, using credit responsibly, and keeping your credit utilization low.

Remember, its important to maintain accurate and truthful information on your credit report. If you have further questions or need assistance with a specific situation, feel free to ask!
Product: Mortgage

Freedom Mortgage Paid my property taxes and also my father 's property taxes from my escrow. 
Property Taxes were due XX/XX/XXXX. My dad cant pay his because freedom mortgage has already paid them with my money. In XX/XX/XXXX i called freedom mortgage to fix this problem. They told me I need proper documentation. On XX/XX/XXXX, I faxed them the proper paperwork and a statement saying I wanted this fixed. I called them again They said it would be fixed before taxes were due. I checked my account and nothing was done. I called them back. They said that the other people i had talked to previously had done nothing, but he would make sure it was taken care of this time around XX/XX/XXXX. I get a letter stating my house payment is going up From {$530.00} to {$800.00} Because the escrow went up to Pay for Property taxes. It showed the projected property taxes for next year and my dad 's is still on there. I called them back on XX/XX/XXXX, they said the escalation team will take care of this. The " Escalation Team '' called me back on XX/XX/XXXX and said it looks like it didn't get taken care of by the projected date. If its not fixed by XX/XX/XXXX, My house payment will be almost too high for me. Freedom Mortgage is hurting not only me but my dad can't pay his taxes and will be charged late fees. 
My dad and I have the same first name, Different Middle Names, and Different addresses.

I called the tax office and they said freedom mortgage hasnt even begun to fix this problem or called them at all.
Product: Debt collection

I first sent an email for verification of the debt on the collection onXX/XX/XXXX and received an email on XX/XX/XXXX notifying me the email had been received. It has been 108 days since Ive sent my initial email and still have not received a letter of debt validation / verification.
Product: Student loan

During the month of XXXX 2016, I kept getting bombarded by calls about getting help on my student loans. Finally I gave in to pick up a call, where a lady from a company called Student Services proceeded to tell me that she 'll get me a lower rate for a fixed income rate and consolidate all my loans, etc. etc. She also said that for that there is a fee of $ XXXX for the first month of XXXX, and the proceeding months will go directly towards my student loans and I would have a fixed rate of {$390.00}. However, due to actual mails from the Department of Education and the loan servicer XXXX, I was able to find out that this was not the case at all, and this third party Student Services is a scam that has been taking money from me without actually doing anything. The XXXX representative had to reset my actual student loan account so that this third party would not have anymore information, and they also explained to me that 1. I am not on a fixed income payment plan, 2. consolidation of my loans could have been done for free, and finally 3. no payments have been paid towards my loan at all and that I am currently on a grace period. I tried to call the company 's number on the paperwork that was provided for me, but the number seemed to reach some kind of third party phone services. Therefore I would like not only help investigating this company, but also my money back from all the payments I 've been making towards this scam.
Product: Credit reporting or other personal consumer reports

two accounts reporting on XXXX and XXXX I requested Toyota Financial services to provide me documents that those accounts belong to me. They refuse to show me evidence. I have disputed those account multiple times with the credit bureaus and nothing has been done those accounts are hurting my credit really bad I have sent multiple letters to Toyota Financial services by classified mail and they have ignore my request to provide evidence of documents I have also sent multiple letters to the credit bureaus regarding those accounts and they have not provide me with evidence either all of this has caused me so much stress because those accounts are damaging my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 days 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 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 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 8
Product: Vehicle loan or lease

I obtained an auto loan for a new vehicle from Prestige Financial on XX/XX/XXXX. I have made all of my payments on time, as agreed. In XXXX of XXXX I was made aware that this loan is not on any of my credit reports. I contacted Prestige via email, questioning why they were not reporting my payments to the credit bureau 's. 

XX/XX/XXXX I received a response from Prestige stating that they had reviewed my account history. She stated that my last XXXX payments were made after they had already reported for the month of XXXX and that it was scheduled to update with their XXXX credit file but she had sent a manual update to the credit bureaus. 

XX/XX/XXXX I asked which credit bureau she sent the manual update to. 

XX/XX/XXXX She stated that it was sent to all XXXX XX/XX/XXXX I replied stating that my auto loan still was not showing on any of the credit bureaus. I told them I wanted my payments reported to all XXXX bureaus with proof. 

XX/XX/XXXX Received a reply stating that they were able to see that my 'account was not reporting. ' She stated that she had sent a request to get it added back on ( was never on to begin with ) but she could not guarantee that it would be 'put back on. ' In order to find out why my account was not reporting or if the request was accepted, she suggested that I contact the bureaus. 

I am paying my loan as agreed but they are not reporting my payments as they should.
Product: Money transfer, virtual currency, or money service

filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.