23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One has my account with 9 late payments. I have made every single paid every month. I called if as a courtesy they could removed those late payment, since I didnt know what was the exact due date. But a payment was made every month. 
I called Capital One, and they said to call XXXX?
Product: Student loan

Mohela has been unable/unwilling to explain why my principal balance of about {$110000.00} from XXXX ( I cant be for certain because Mohela wont make my statements from before XX/XX/XXXX available online and would not mail them when requested on XX/XX/XXXX ) to {$110000.00} in XX/XX/XXXX ( increase of about {$1100.00} ), as well as some sort of capitalized interest of {$1600.00} on XX/XX/XXXX. Since XX/XX/XXXX ( and likely prior ) I have observed government-placed forbearance in XX/XX/XXXX ( payments were not actually due around XXXX to XX/XX/XXXX, but Mohela did not have their messaging in place in time and I made payments that I didnt have to make during that timing and was allowed to request that money back for payment later I declined ), as well as XXXX to XX/XX/XXXX ( XXXX XXXX plan XXXX ). These were forbearance periods placed on my account by the government or Mohela and it was explained on the Mohela website that no interest would be charged during those periods. 
Im willing to look past XXXX slow-movement on placing government forbearances ( XXXX XXXX ) but not allowing me access to my account history, then increasing my balance without cause is improper and cause for concern. 

XXXX of events for context : XX/XX/XXXX at XXXX Central Called to report prior 70 days of unresponsiveness and requested/granted escalation of my inquiry. Was promised escalated responses occur within XXXX business days, which would have been XX/XX/XXXX. No response received as of XX/XX/XXXX ( total of 59 days ). 

XX/XX/XXXX at XXXX Central Called Mohela to report the statements had not been received in the prior 65 days. Made request to XXXX for Mohela to provide a response regarding the unexplained increase in principle. Cancelled request for copies of statements contingent on receiving a response for the principal increase. 

XX/XX/XXXX at XXXX XXXX  Noticed increase in principal. Attempted to view statements online but they were unavailable due to a platform change at Mohela. Called Mohela and requested copy of statements for the prior XXXX months in order to reconcile.
Product: Vehicle loan or lease

I have a bmw through bmw financial. I have never been late. Due to covid 9 I was approved for a 2 month deferment of payments to keep my account status current. I called in at the end of XXXX to request this. I signed the deferment and forgot about it. Then today I got a credit alert thats said I had a change in account status so I looked to see what it is and bmw reported to my credit that Ive been affected by a natural disaster. Then I logged into my account and it showed past due 30 days. So i called bmw and they said they could redo the deferment again. I told them you reported on my credit and they said they just report status of disaster. I dont think that is fair or right. I didnt know they would do that. They made a mistake. I dont appreciate this right now. I called in XXXX to prevent this. After they updated the deferment it still shows payment due XX/XX/XXXX, when it should be XX/XX/XXXX. Also Im a hairstylist in California. We wont be working til end of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and spoke with multiple representatives which was on a recorded line courtesy of Experian speaking about how I have a right to privacy as a consumer to have the personal information removed when I was denied assistance and my consumer rights were violated. I also filed a complaint on the CFPB website on XX/XX/2022, in regard to getting my personal information updated by removing the inaccurate addresses on the personal info. I was informed that I must have a specific disputes about this inaccurate information, so I filed and attached an FTC report stating how those addresses and other information on my consumer report is incorrect. I also attached an updated copy of my notice in regards of the inaccurate information that was furnished on my consumer report with the specific disputes. Its Experian duty to provide accurate and fair information on my consumer report. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer.
Product: Credit reporting or other personal consumer reports

This complaint is being filed against XXXX, XXXX, and TransUnion for failure to comply with federal laws governing the reporting and timely removal of inaccurate accounts associated with identity theft. 

I have previously submitted an Identity Theft Affidavit, an Affidavit of Truth, and copies of my identifying information to each of the credit bureaus via certified mail, which has been received as evidenced by the return receipts. These documents clearly establish that the following accounts are fraudulent and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I stated Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), you are required to investigate and delete any information that can not be verified as accurate within 4 business days when identity theft has been properly reported. Specifically : 15 U.S.C. 1681c-2 mandates that credit reporting agencies block fraudulent information within 4 days of receiving an identity theft report and proof of identity.

15 U.S.C. 1681i ( a ) ( 5 ) requires the deletion of inaccurate or unverifiable information following a reasonable investigation.

Failure to comply with these obligations has been adjudicated in the following court cases, which highlight your liability and lack of compliance : XXXX v. TransUnion, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Failure to remove inaccurate information after proper notice constitutes willful noncompliance with the FCRA. 

XXXX v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Credit reporting agencies are liable for damages when they fail to conduct reasonable investigations.
Product: Credit reporting

I had a charge of account that I disputed on my Experian credit report as being obsolete as it had been 7 years since the DoFD, instead of removing the account they re-aged it, and not I am not able to dispute the account online as Experian 's online dispute keeps saying it can not honor my request. I have contacted Experian about this issue multiple times with no resolution nor any explanation. Previous to this I never had an issue using Experian 's online dispute option. If you can get them to explain why I can no longer utilize their online disputing options, even with a purchased report number from them, the only way their CSR said I could dispute, making me spend more money for it to still not work, that would be great. Also the XXXX account needs to be removed from my credit report as it still states it is a charge off account but now will not be removed until 2023. These CRA 's need to follow the laws put forth by the CFPB for accurate credit reporting as the only one that seems to have an accurate report for me is XXXX. My XXXX report is all screwed up, yet they still will not fix it, even after countless complaints through the CFPB, who I was under the impression, was supposed to advocate for the consumer when these huge companies do n't do anything about the customers complaints.
Product: Credit card or prepaid card

I purchased plane tickets through Chase Travel Rewards. The day before traveling, I realized that the name was incorrect on the ticket and wasn't my legal name. I called to change the name on my boarding pass on XX/XX/XXXX for a flight from XXXX to XXXX on XX/XX/XXXX. Chase Travel Rewards charged me the price of a new ticket, in addition to a {$50.00} name change fee. The original ticket cost me {$300.00}. The new ticket they forced me to purchase is {$630.00}. So, in order to update my name, so my ticket reflected my legal name, I had to pay a total of {$680.00}. All they were required to do was to update my record. I wasn't requesting any upgrades or anything else, just a change of name. 

This is a blatant abuse of power. If I had not changed my name on my ticket, I would not have been able to board my flight and return home. I didn't have the capacity to contest the charges at the time, because I just needed the change to be made, so that I could get home to my kid. I am writing to request a refund for the ticket that I was forced to buy, in order to get home using my correct name. 

A note : The other name Chase has me under is XXXX XXXX
Product: Debt collection

I have requested several times back in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for National Credit Systems to cease all collections efforts on this debt because I notified them that I refused to pay the debt and that in accordance with 15 USC 1692cc, once a consumer notifies a debt collector in writing that they refuse the pay the debt, then the debt collector must cease all communication including deleting the tradeline from the credit reports because reporting is a form of communication. The letter I sent is below ....

I am refusing to pay the above referenced debt.

In accordance with 15 USC 1692CC, since I'm notifying you in writing that I'm refusing to pay this debt, you must cease all communication. Publishing this account on my credit reports is a form of communication and a direct violation of the FCRA and FDCPA. 

15 USC 1692CC clearly states, " If a consumer notifies a debt collector in writing that the consumer refuses to a pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, then the debt collector shall not communicate further with the consumer. 

Once again, reporting this account on my credit reports in a form of communication and a direct violation of the FCRA and FDCPA. 

Delete this account in 7 days by XX/XX/XXXX or I will sue you for false reporting, deceptive and unethical practices, and willful noncompliance as described in 15 USC 1681N.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : # XXXX Date reported late XX/XX/2022. 
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer XXXX XXXX XXXX XXXX ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 7 calendar days to update my Payment history and or delete all late payments from the below account/s Account : # XXXX Date reported late XX/XX/2022. 
Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for :
Product: Debt collection

LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX Balance {$520.00} Balance updated XX/XX/2022 ACCOUNT STATUS IS INCORRECT
Product: Mortgage

Our mortgage company, Seterus , Inc., misapplied a payment to escrow instead of to our loan balance. Despite numerous calls, this problem has not been corrected, our account is showing past due and late charges have been applied. A negative report has been sent to the credit bureaus resulting in a drop of almost XXXX points on our credit score. I have never missed a payment on this loan, and have never been late with a payment except when I was given incorrect information with regard to correcting this error on their part. This has been going on since XXXX 2015 and is still not corrected.
Product: Money transfer, virtual currency, or money service

I bought a money order on XX/XX/2023 for the amount of XXXX it was for my rent I mailed it at the post office in XXXX ny I bought the money order at PLS store my landlord contacted me about not receiving my rent. I go to pls they say the money order was cashed by someone they gave me a receipt of the transaction but the receiver was changed on the money order. The endorsement still have my signature. Should PLS refund my money back to me so I can pay my rent?
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

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

Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Urgent Request for Resolution of Fraudulent Account Activity and Refund of {$31000.00} Dear Sir/Madam, I am writing to formally lodge a complaint against Wells Fargo Bank regarding their handling of unauthorized transactions on my account and their subsequent refusal to refund {$31000.00} of the disputed amount, despite reimbursing {$160000.00}. This ongoing issue, spanning over XXXX months, has inflicted significant financial and emotional distress upon me. 
The unauthorized transactions were initially detected on XX/XX/XXXX, prompting immediate reporting to Wells Fargo. Despite my anticipation of a prompt and thorough investigation, I encountered delays and a lack of transparency. The formal investigation commenced on XX/XX/2023, and concluded on XX/XX/2023. However, Wells Fargo has failed to provide adequate evidence justifying their decision to withhold the remaining {$31000.00} of the owed refund. 
Their refusal to fully reimburse the unauthorized transactions, coupled with the absence of evidence and transparency, constitutes a violation of my consumer rights. Additionally, I request all copies of ATM cash pay-in withdrawal transactions. Its imperative to have details such as the date, time, location, and transaction numbers, which are recorded on transaction receipts. Furthermore, thi is Wells Fargo 's policies and procedures for providing duplicate receipts, as advised by Wells Fargo local Bank Manager and Customer Service. 
This situation raises concerns regarding potential collusion between Wells Fargo employees and certain individuals, which not only breaches ethical standards but also constitutes a form of moral abuse. 
The profound financial and emotional impact of this ordeal can not be overstated. Wells Fargo 's actions have left me feeling vulnerable and exploited, at a time when I should have been safeguarded by my financial institution. 
Please understand the urgency and severity of this situation. I expect a prompt response, outlining the actions Wells Fargo will take to resolve this issue and refund the owed amount {$31000.00} Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX
Product: Mortgage

We had an insurance claim as where XXXX sent the first check on XX/XX/XXXX and then another about a month later. Shell Point Servicing never contacted me or disbursed the funds. My insurance carrier ( XXXX ) and the contractors, XXXX XXXX XXXX XXXX XXXX XXXX, and Window World have all been calling to collect their money. 
Every time we call in they keep asking for additional information that was already sent. I have sent XXXX emails directly to the Protor who is : XXXX XXXX Loss Draft Associate o : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I have sent many email to the mail email ( XXXX ) sending them documentation from the contractors over and over again. 

Shell Point refuses to release funds for an unknown reason and they will not contact any of us back. 

This has been going on since XXXX of this year ( XXXX  ) and still no resolution. 

Please help us recover the funds that do not belong to them. They are exhibiting fraudulent activities by keeping the insurance carrier money.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX # XXXX, DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, SXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX 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: Mortgage

Consumer Financial Protection Bureau XX/XX/2023 In XXXX I filed a complaint against Select Portfolio Servicing ( SPS ) because the process for getting assistance with HAF was taking so long. That has finally been resolved. 

My problem now is the escrow shortage on my account was {$30000.00} and with the {$20000.00} that HAF assisted with left an escrow shortage of roughly {$10000.00}. 

I asked in XXXX that SPS do a review of the account and recalculate taking into account the {$20000.00} being paid on the shortage. My mortgage payment was over {$1700.00} due to the shortage. The amount that was reduced was {$150.00}. I wrote again saying that seemed unacceptable since there was a payment of {$20000.00}. I am still awaiting a response but have been told that they figure the shortage when it was XXXX on a XXXXmonth payback, now they are figuring it on a 24 month which still leaves me at {$1500.00} with {$170.00} for fees and advances ( dont know what that is ) which puts my mortgage right up to {$1700.00}. I don't understand why they are not trying to get help us get into an affordable payment. 

UPDATE : I just received a letter from SPS yesterday see response in attachments. Hopefully you will be able to open as I have had a difficult time getting the attachments done because it says document is corrupted. 



I do understand a increase in taxes and insurance would play a role in some of an increase but still not enough to offset {$20000.00}. They also stated that if the payment was too high then we could start loss mitigation. Loss mitigation for them is short sale or foreclosure. 

They claim they want to help us keep our home but yet they certainly wont work with you. A year and a half ago we tried working with SPS about helping us when I was very sick with XXXX long haul and they wouldnt do anything but started foreclosure process. We needed to borrow against our 401K to get caught up. I dont have any confidence that they would be willing to help us gain our house. 

I also question the bookkeeping with SPS. I called last week and asked if there was any update on my request for recalculation of mortgage which the answer was no and was told that I didn't have a mortgage payment due until XXXX as we were all paid up. I questioned why I was ahead but got some answer honestly, I couldn't understand. I cant even go in on the online app and see a history of payments. I need to request it and then they send everything and it doesnt help to understand your account. I should be able to see my history on line to verify what is happening but cant do that. 

I dont understand how you go from being paid ahead to being a month to being behind the next week. Someone or something is grossly wrong with their bookkeeping. I really need someone to help us keep our house by holding SPS accountable for the bookkeeping and the {$2000.00} payment which should have greatly decreased our payment. 

I really need help retaining our home. 

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

I sent a letter on XXXX  to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$260.00} 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 ) that are unknown to me. the aforementioned items are erroneous and possibly fraudulent. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Professional Accounting Services call my home several times a day to collect on a debt that is n't mine. They were told this. They continue to harrass me. i am a senior citizen and they are trying to scam me. Whoever they represent needs to understand I am not responsible and to stop calling me.