23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I few weeks ago I was in discussion with a couple of my friends and related that I thought that I had been treated a little unfairly by my HAMP mortgage holder, Specialized Loan Servicing. They told me about Consumer Financial Protection Bureau and that you help and protect consumers who may have a disagreement with their financial institutions. So I have decided to contact you. In XX/XX/XXXX I applied to XXXX XXXX for a HAMP loan which was completed and sent to the bank. On XX/XX/XXXX I faxed an appeal to XXXX relating that I had misunderstood the directions on the Hamp application. I had checked off both owner-occupied and second home which I should not have. I 'm the sole owner of the HAMP property ( located at XXXX XXXX, MD ) and co-owner of another condo and my mindset was in order to be as thorough and honest as possible with information, I somehow had to show both properties. My mistake in not fully understanding the HAMP form requirements. I explained that I spend 4 to 5 days a week or more at the XXXX XXXX property. I have XXXX XXXX and have had a XXXX XXXX XXXX, the salt air at XXXX XXXX is beneficial and therapeutic for my medical well being and my occupation allows me the benefit of being able to work during my time there. Therefore under HAMP rules this should be considered a primary residence. I have attached that appeal and the related Hamp application. Reason number one is the item in question and reason for this correspondence to CFPB, reason number 2 has been resolved with the bank. I then called XXXX to inquiry about my appeal, they said that the loan had been sold to Specialized Loan Servicing ( SLS ) and I would have to take up the situation and appeal with them when the loan is fully transferred. When I received official notification of the transfer, I then faxed the same appeal documents to SLS. I then later asked SLS about the status of my appeal and was send a letter of denial on XX/XX/XXXX. The letter indicated that my original appeal with XXXX had been denied and SLS was holding to that decision. But that was not truthful and very discerning because of my knowledge of my prior conversation with XXXX and the fact that I never received a letter of denial from XXXX. Please keep in mind that my loan was still in process and not completed or approved as yet, letter is attached. The consequence of all this is that the {$82000.00} principal was deferred rather than forgiven based on my application error which I attempted to correct very early in the approval process. My husband and I are both on social security and I believe that I am rightly deserving of a reversal of SLSs decision. I understand SLSs desire to keep the money in deferred status for financial reasons but my understanding is that HAMP was created to assist the borrower not the banks. I give my permission for XXXX XXXX, my husband, to ask and answer any questions in this matter. Thank you, XXXX XXXX XXXX SLS Loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$6500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Debt collection

I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am XXXX every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
Product: Vehicle loan or lease

Im emailing at the direction of the MN Attorney XXXX suggestion ( XXXX XXXX. XXXX ) On XX/XX/XXXX Bank of America withdrew 2 car payments on the same day for the same amount ( {$510.00} ). XX/XX/XXXX I called the phone # they provided and spoke to the person, who confirmed they had done that the money was deposited in their bank, and cleared my bank. She indicated Bank of America would CUT me a Check and Mail it to me in TWO weeks. When I asked why they couldnt just electronically put the money back, her response was thats not the bank policy. 
I called back on XX/XX/XXXX to follow up and I was told the check was in the mail. I called again on XX/XX/XXXX and was told it hadnt been XXXX Business days, so there was nothing they could do. 

So it is BoAs policy to steal the customers money then hold on to it as long as possible, then return it with no interest, no addition fee, no penalty etc.. they surely wouldnt accept that for a payment TO them. This caused significant issues for me and BoA didnt care. 

I actually got the check XX/XX/XXXX ( 25days after they stole it from me ). And I say Stole it from me, because BoA helped me get my account set up for auto withdraws Im not that tech savy, so I called them for help and they set it up as an auto withdraw AND was a web payment. 
When I called on XXXX notifying them of the issue, they did correct the problem, but WOULD not electronically return my money, let me go to a branch and collect the cash, all I could do is wait 25 days ; although they said it only would be XXXX weeks. What a terrible policy. 

As you can tell I did file a fraud compliant with the MN Attorney General. And I might notify the local news agencies since I have the documentsand see if they want to run a story. What a XXXX policy and a terrible way to treat customers. 

XXXX expecting some financial return for being without my {$510.00} for a month Im expecting a late fee, interest and some penalty for BoA keeping my money. I dont want some flimsy excuse and apology. Their policy needs to be changed and the person that approved it should be terminated
Product: Mortgage

I obtained a mortgage through XXXX XXXX XXXX  approxiamately 12 years ago. Within one year of purchasing the property, XXXX sold my mortgage to one of their own substitute banking institutions PHH Mortgage. Who are associated with XXXX. PHH Mortgage company has contacted me several times telling me that they has not received my house payment after I had mailed, by US postal service, in ample time for them. In this last case, I was going to be hospitalized for a XXXX in XX/XX/XXXX, therefore I sent my house payment on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from PHH Mortgage company stating I was two months behind on my mortgage and I needed to allow them access to my banking account so they could just take the money out themselves. I refused and stated I would E-bill the money to them overnight from a XXXX XXXX account and cancel the check that I sent. I also complained and told them I have never been late, nor missed, any previous mortgage payments. When rechecking my payment data, they did agree I had not missed any payments and only needed to make a payment that I knew I had placed in the mail 22 days prior. Then the next month, I recieved a letter from PHH Mortgage stating I needed to pay a cancel check fee for the house payment I sent. They received my check in the mail the very next day and wanted to charge me a fee for sending them a canceled check. Whom both XXXX and PHH mortgage companies would benefit from by XXXX canceling a check fee and PHH charging a receiving canceled check fee. Though I called both institutions and got all the fee 's withdrawned, this is an on-going banking practise used by these institutions to charge people fee 's that they could not otherwise obtain and blaming it on the US postal service. It has occurred on several occasions and I have complained to both institutions about it several times. I have nearly a perfect credit rating and keep hand written records of all outgoing bills each month. I am moved to complain about this banking practice, not for myself, I have alleviated the situation by E-billing all mortgage payments to PHH Mortgage from a XXXX account and keep confirmation numbers now. However, if this is a common practice for these institutions, then they are pulling this same scam on others as well. It does not take 22 days for US postal services to deliver mail and in every instance PHH has tried to charge me fee 's, my check would show up in their bank the very next day. They had two results in mind, One was to attempt false fee charging and Two was to force me into giving them checking account access.
Product: Debt collection

Fraudulent credit accounts from discover card on my file. I do not own or know of these accounts. Discover card says they were partially paid but l did not pay them. This is a mistaken identity. Discover card does not reply with any written proof or verification of any sort, only states debt was verified with out providing how.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
EXPERIAN BUSINESS CRED Date of Inquiry XX/XX/XXXX EXPERIAN XXXX CRED Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX of Inquiry XXXX XXXX XXXX XXXX XXXX ODA Date of Inquiry XXXX XXXX Date of Inquiry XXXX
Product: Debt collection

I was sued by XXXX XXXX. I do not know when. I talked to National Check Bureau about this, they collected the debt. XXXX says we opened a account in XX/XX/XXXX. We were in a repayment bankruptcy. We do not use credit cards. They said they tried to notify us but they were always behind on the address, although I was employed and the address was available. The case number is XXXX. Social is XXXX. They got a judgement for {$2400.00}. We did not know until they garnished his paycheck in XX/XX/XXXX. I do not believe I owed them anything and if I did, why would they wait ten years to collect. Just so the interest was XXXX XXXX dollars higher.
Product: Payday loan, title loan, personal loan, or advance loan

I accepted a loan from XXXX XXXX for {$850.00}. The interest rate was predatory and I am now having a difficult time making ends meet. 
Balance : XXXX ( XXXX ) payments of {$230.00} for a total of {$2000.00} Paid to Date | Up to Date and In Good Standing XXXX ( XXXX ) payments of {$230.00} ( {$2000.00} Balance Remaining ) I am a senior citizen and having difficulty making ends meet. Not sure what I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my accounts are current yet my credit score reported  byXXXX   is XXXXand XXXX  is XXXX. My score is is usually mid XXXX as it were XXXX.
Product: Student loan

Salliemae/Navient has ripped me off for over 10 years. They tried helping me by doing multiple forbearances to catc hup the payments I was behind on, but now I simplky cant afford it. I took out a $ XXXX loan in XXXX, now the balance is {$11000.00} and its XX/XX/XXXX. I understand there is a lawsuit against Navient for steering students and borrowers to do forbearances only to make the financial situation worse. I am struggling to make ends meet and want to try to find a way to either have this forgiven, or lower the monthly payment while actually bringing the loan down. Please help.
Product: Checking or savings account

I am writing to file a complain 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 settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

I took out a loan with XXXX XXXX XXXX. 
The first loan I was able to repay they then refused to close my account. Later they raised my credit amount. I needed some extra money for a personal emergency and went back to take out a loan that I could repay in one or two months. Unfortunately I lost my job in this time and informed them that I would not be able to repay the loan as quickly as I had planed. After one missed payment the intrest on the loan was one thouand more than the actual loan amount. I released that repayment would be impossible and requested they close the account and put my loan into collections so I could make the payment back. They refused to close the account and after informing them that I could not repay the loan they told me that not only would they not close the loan but would continue to charge me interest even with no payments being made. I have no idea how much they will try and charge me before they actually send this to a debt collection or court. I am in need of help with this company. I also requested that they do not automatically withdrawal from my account and they did so anyway. they told me it was for convenience but it caused an overdraft on my account. I have now asked them to stop two times and now also another in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Irecentlyreviewedmycreditprofileandnoticedinaccuracies.Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

I have been disputing XXXX XXXX XXXX XXXXXXXX/XXXX XXXX inaccuracies on my credit report for the last year as XX/XX/XXXX Nelnet and XXXX XXXX no longer service Student loans. 

XXXX XXXX XXXX XXXX/XXXX XXXX  has been reporting as a Duplicate account to Nelnet Both accounts have the same account OPEN date XXXX XXXX, XXXX. 

NELNET is reporting two Separate accounts {$28000.00} and {$36000.00} adding them both together you get {$64000.00} one dollar off from ALL STUDENT LOAN thats reporting {$64000.00} This account is not showing Disputed on my credit profile. 
This account is showing OPEN on XXXX and Closed on XXXX This account is showing Transferred
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, TRANSUNION received a dispute from me for account XXXX XXXX XXXX, installment account, auto loan. I sent TRANSUNION THIS dispute because i have NEVER been late on my auto loan payment. i have only had my car for one year it is no way possible i was late for 10 months straight!!! i informed TRANSUNION that this was a mistake and informed the creditor. The creditor told me i would have to dispute it with the credit bureau TRANSUNION to get it changed. i disputed it, and TRANSUNION VERIIFED THE DEBT, i THEN ASKED FOR A METHOD OF VERIFICATION, FOR THE LATE PAYMENTS. According to FCRA i am well within my rights to request removal of late payments because this company failed to send me proper notifications and i do not recall missing a single payment. 

TRANSUNION IS IN VIOLATION OF : 15 U.S. Code 1666b - Timing of payments ( 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. 

I REQUESTED TRANSUNION send me the notices and names of people and copies of correspondence from XXXX that they used to verify these late payments. 

TRANSUNION has failed to respond to my dispute, and had committed multiple federal law violations including my privacy of credit file and TRANSUNION did not provide protection and accuracy of credit file
Product: Debt collection

I have disputed this debt and filed a fraud complaint. The collection company sent me " proof '' that I owed the debt. They sent me a letter stating that they had investigated my claim and they had concluded that my debt was not fraud. Their " proof '' was a credit card statement for a completely different person, with a completely different debt ( NOTHING similar to the one they say is me ) in a completely different state. This does not instill very much confidence in their abilities to " investigate '' my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with both Experian and XXXX. I had a fraudulent transaction from XXXX ( they said the purchase was for a mattress from XXXX ). I advised both XXXX and Experian that I did not make this transaction and it was a fraudulent use of my credit. I have disputed this twice so far and they are saying this is mine. I would like to know what exactly they are doing to investigate this. They said my email, phone number and debit card were all accurate yet they have not provided any details of how this occurred. They are both incapable of doing a complete investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, SENT CREDIT REPORT WITH DISPUTED/ERROR ITEMS TO BE DELETED/REMOVED.. AND RETURN TO ME UPDATED/CORRECTED REPORT. 
ZERO REPSONSE XX/XX/year>, REQUESTED AGAIN, UPDATED/CORRECTED CREDIT REPORT. 
ALL REQUESTS MADE IN WRITING, CERTIFIED MAIL RECEIPT REQUESTED. 
AGAIN ... ZERO RESPONSE. 
XX/XX/year>, REQUESTED UPDATED/CORRECTED CREDIT REPORT AND CALLED PHONE NUMBERS ON WEBSITE; XXXX ; XXXX ; XXXX ; ALL PHONE NUMBERS.. ( NON-OPERATIONAL ). 
XX/XX/year>, REQUESTED AGAIN, CREDIT REPORT, ZERO RESPONSE.
Product: Debt collection

This is a follow up from complaint XXXX. After my call with One Main Financial on XX/XX/2020, I received the following letter from One Main regarding 'an attempt to discuss the seriousness of your account delinquency ' and that the 'communication is an attempt to collect a debt from a debt collector '. After ( 1 ) calling my local One Main branch in XXXX XXXX NJ and ( 2 ) confirming my auto pay settings, I was able to double check that ALL my payments have been done in time. None of the payments have been done late and the account is not past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$1700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account does not belong to me. I have contacted XXXX to resolve this issue and the representative I spoke with could not locate this account nor any account with my information. I asked the representative to please remove this account however, no action has been taken, nor have they contacted the bureaus to have this line item removed from my credit report. This incorrect reporting is harming my credit score and this line item needs to be deleted.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following inaccurate accounts from my credit report. 


XXXX : XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Experian : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX TXXXX XXXX Account Number : XXXX {$20000.00} XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX