23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying for over a month to get a correct escrow analysis done on my account. They were using an incorrect property tax ID on my account which was making it look like my property taxes were double what they actually are. The mortgage servicer corrected the ID and made the correct tax payment. However, they are not correctly updating my monthly payment via an escrow analysis to reflect my correct property tax amount. In other words, they keep assuming in the analysis that I'm making the incorrect higher payment. 

Because of this, my monthly payment has almost doubled and I am forced to pay extra amounts into my escrow analysis for no reason. They have, as of XX/XX/2023, incorrectly performed three escrow analyses using wrong property tax amounts. For the fourth one, they had to ask me to give them the property tax bills to prove how much my taxes usually are. This is public information and as my loan servicer it is ridiculous that they can not even figure out what my property tax amounts are supposed to be. At this point, I can not trust anything this mortgage servicer does.
Product: Student loan

I am living outside of the US and filed an application to switch to an income driven repayment plan for my US federal student loans. Since I am not federally required to pay income taxes in the US, I had to file by downloading and sending a PDF copy of the application form through my Navient account mailbox.

I filed this form three times - once in XXXX, again in XXXX and for a third and time in XXXX. In XXXX the application was rejected due to a missing signature, and in XXXX it was not accepted because I needed to attach a note on currency exchange rates ). In XXXX - after checking several times with customer service representatives that the documentation was in order - I called to confirm that my third application was being processed. The automated Navient system told me that it was in progress. 

At the end of XXXX I received a payment due notice, but my plan had not been adjusted. So, I called Navient again. This time I was told that my application was rejected because I was using an old application form which had been out of use for a year. This was not flagged to me previously and it took Navient nearly three months to alert me to the issue after my third application was filed. Now, after nearly six months of forbearance while waiting for the request to be processed, my loans have come current, with capitalized interest on top of the original loan amount. I now have to file again, and wait another 30 days for a response.
Product: Debt collection

This is a follow up complaint to Claim Number XXXX. I received a letter from Wells Fargo indicating I was contacted by phone On XXXX XXXX,2008 and  verified information as a co-signor on a Private Student Loan. I have asked for more details on the telephone conversation since I do not recall having such a conversation NINE YEARS later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. 


US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX ACIMA CREDIT XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}
Product: Debt collection

VALIDATION AND CEASE AND DESIST LVNV funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear LVNV funding LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors 3 I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

the 3 credit bureaus are not updating inqyueries that are posted on their credit reports.my XXXX  has the latest updates and is reporting currently.
Product: Checking or savings account

Wells Fargo closed account after I made complaint on the Consumer Protection website regarding pending lawsuit settlement
Product: Mortgage

From XX/XX/2023 I have tried to do a short sale with Wells Fargo Bank. Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX and XXXX XXXX Firm says that I am in active litigation and Bankruptcy. This is incorrect and false. They are engaging in criminal fraud against my statutory right of redemption of my property. XXXX XXXX and XXXX has frozen my accounts at Wells Fargo preventing my settlement negotiations for my property. I have tried to call this law firm at ( XXXX ) since XX/XX/2023 and they do not answer the phone and I have also left a slew of voice messages and they have not called me back. 

This criminal fraudulent act is an attempt to prevent me from exercising my right of redemption. We are seeking the intervention of the CFPB and the Attorney Generals office to mitigate the affective and timely process of a short sale. Again, I am not in active ligation or active bankruptcy. ( see attached ) There is no legal reason why Wells Fargo is not accepting my short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I called a spoke to supervisor at Transunion about an ongoing issue with a account listed on credit report. I asked her how is it possible that account that has been closed since XX/XX/XXXX have different dates reflecting on my credit report. I informed her that I purchased my credit reports from MyFICO on two different occasions and dates. The first purchased reported dated XX/XX/XXXX had a close date of XX/XX/XXXX and the second purchased date of XX/XX/XXXX had a close date of XX/XX/XXXX. 

When questioned about it she said that was the information that was transmitted or sent by XXXX. I asked her how is that possible that an account has three different " closed '' dates? 

I also pointed out to her that account was sold to a outside collection agency and when I asked her if I could submit my own documentation to prove otherwise she said that Transunion would not accept it. I told her I had proof i.e.a bill from the outside collection agency with the Original Creditor and the balance that matched the balance from the original creditor and she still said Transunion would not accept it. 

Transunion is denying me due process afforded to me under Federal Law by refusing to accept clear and cogent documentation pertaining to my dispute. I have pointed numerous discrepancies on my report and Transunion refuses to acknowledge or fix them.
Product: Credit reporting 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, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

I've asked for the companies to investigate the information and have received no response.
Product: Credit card or prepaid card

My husband and i had a Citibank card. We paid this card off in XX/XX/2019. My husband called and spoke with a female agent and asked for account to be closed. She thanked him for our business and said she would take care of it. However she must note have not taken care of it because my son bought something off XXXX and charged to the card in XXXX. We did not realize this was how he paid for it because We were under the understanding that this account was closed and paid off so we were no longer making payments. We were only informed of balance through email which we had not received and my husband got some calls on his phone that came up as Possible Spam so he did not answer. The XXXX dollar purchase turned into XXXX dollars over the course of 5 months. Why were we not sent a bill of notice before all this happened? We only knew about this when we were purchasing something and our credit score was much lower than it has ever been. Upon finding out about this XXXX balance we did pay it and also received a paper bill last month for XXXX which I also immediately paid. I tried to contact them on that day but was unable to get answer after a very long hold time, so I just paid what the bill i had said. We have paid our bill each month on time prior to this and certainly would just have stopped paying it over XXXX? dollars. We tried to talk with the company with no results they just kept telling us we got emails and they have no records that we wanted account closed. We have paid this in full except as the agent mentioned several times we will owe residual interest but unable to tell us that amount. I also asked something in writing stating that bill had been paid and account closed agent said he could not provide that and transferred us to customer service where again i went through a menu and ended up holding and cut off. I tried again to contact them today and held for almost 2 hours. I would like an email or some proof that we want our account closed so i am not dealing with this again. I also would like this to not be on my credit report. I do not feel that we were treated fairly by Citibank.
Product: Student loan

My balance is {$19000.00} with Navient and the advertised interest rate is about 6.4 %. My payment is $ XXXX/Month and there are 177 payments remaining, which means that if I ran the life of the loan ( XXXX ), I would have paid a total of {$29000.00}, of which {$10000.00} would be interest. 

That is 52.36 % interest, on a student loan that I was forced to take out because of the socio-demographic-economics of our country, where an education was force-fed as the only way I would be able to potentially lift myself and then family out of our low-income struggles, AND was disclosed as 6.4 %. Mind you, my degree I did earn and did very well at with a XXXX GPA, was in XXXX. 

These student loans, are predatory practices in which the companies and government, take advantage of the inelastic demand for them and charge students like me, egregious amounts of interest that force the borrowers to be stuck in debt their whole life instead of growing themselves out of their position and into a better life, which the loan for the education was supposed to do in the first place. 

I am formally filing a complaint for myself, and the millions of people in my situation because this should be illegal and it is flat out morally wrong.
Product: Student loan

My loans were transferred to MOHELA this year. I have sent them XXXX emails about issues drag I need their help with and have had no response. I sent a letter by mail with delivery confirmation so I know it's received and I've had no response. I had a request to update my income based repayment, which they sent a letter to refuse to make the change and to let them know if I want the change. How am I to contact them if they respond to no communication? I'm hard of hearing and they don't have a TTY line, they depend on XXXX to call them. They absolutely don't take it seriously to help borrowers. I will be done with them with student loan forgiveness. However their inability to actually respond to any of my communications is absurd
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My PayPal account can not be linked to the bank and withdraw cash. I have called PayPal customer service representatives many times, but the problem has not been resolved. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lost access to all my money Bank of America has given me the run around and continue to hold my accounts funds and Im unable to claim anything been struggling and trying to figure why BofA says I owe them but there is a open claim for well over XXXX but I owe them?
Product: Credit reporting or other personal consumer reports

In XX/XX/2019 an automated charge for {$390.00} was placed on my PNC credit card which was erroneous and not authorized and requested the bacnk reverse the charge back to the vendor. PNC said the matter should be worked out with the vedor and I advised them that I did not have any contact with the vendor regarding the charge and ask then to reverse it. They refused to reverse the charge and subsequently reported the past due payment as delinquent and charged it off on their records earlier this year. As the charge was erroneous and not authorized I am asking they remove the delinquency status for the account along with the reported charge off that has been reported to the credit bereaus as unpaid as they should have never allowed the charge to being with.
Product: Vehicle loan or lease

I purchased a new XXXX in XX/XX/2019 from XXXX XXXX. As part of the purchase agreement, I turned in the XXXX XXXX for which I was leasing at the time. I had three months remaining on that lease at the time I purchased the XXXX and I paid for the remaining three months through the contact which is documented on the purchase agreement. I was unaware the dealership made an error until I tarted to receive correspondence from American Honda finance. I contacted the dealership not once but twice as I kept receiving correspondence from AHF. The dealership finally forwarded the payoff to American Honda but it negatively impacted my credit. I tried to resolve this with the bureaus and American Honda but they indicated the account was charged off at the time they received the balance and would not help. This is upsetting because if you look at the history of that lease there were no delinquent payments except the last three months for which should have been paid to the finance company early. This just doesn't seem fair to the consumer ( me ). Everything I pay on time and due to some XXXX error that I had to address twice with XXXX my credit is reporting negative information.
Product: Credit card

I. Did not request or authorize chase card to make any inquiries on my credit reports
Product: Debt collection

XX/XX/2021 I sent a complaint to the cfpb case number XXXX, in the company response 0n XX/XX/2021 Convergent Outsourcing Inc. is admitting to several violations I have list below in a attachment. I demanded for Convergent Outsourcing Inc. to remove this account from all consumer reporting agency immediately and monetary relief the violations committed. I sent them an email to the email provided in the response and also certified mail with my demands and invoice which I have all in the attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed a free credit report from Experian in XX/XX/XXXX. I did not authorize a trial membership from the company, which charged me approximately {$15.00} every month since then until I cancelled the account on XX/XX/XXXX. I asked for a full refund. Experian said no after I spoke with a supervisor. I then filed a fraud claim with my credit card company.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report where I discovered that World Fin ( account opened XXXX approaching 7 years ) notated an account as Charge off /Collections on my profile after they accepted my settlement offer/amount which has been paid in full. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$320.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$680.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$18000.00} Opened XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$61.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$250.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$700.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$370.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$1200.00} ; XXXX XXXX  Opened XXXX XXXX, XXXX XXXX {$18000.00}
Product: Mortgage

A check in my name was sent to my mortgage company they will not apply this check they say they dont know what happened to it in the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans used to be with XXXX XXXX, then was transferred to XXXX. XXXX discharged my student loans due to my XXXX. I tried to get the 3 credit bureu 's to fix my student loan 's on them to show closed or paid off. I even uploaded and mailed in proof of the discharge to all three, XXXX XXXX doesn't exist anymore, all their phones are disconnected, i have disputed to all three credit bureau 's at least 7 or 8 times and each time they keep saying that the investigation shows the information is accurate. How can it be accurate when they can't contact fedloan, two, i uploaded and mailed in proof of my loans being discharged. Why aren't they going by proof mailed to me from XXXX themselves showing that each loan was discharged. If you google XXXX XXXX, this is what you get : XXXX XXXX, a company that collected and tracked federal student loan payments, is no longer active. Its government contract expired in XX/XX/, and all loans in the XXXX portfolio have been transferred to other servicers. So being that they are no longer active, they were sent to XXXX in my case, in which nelnet discharged mine due to my XXXX. Why is it so hard to get the 3 credit bureau 's to actually fix my student loans on my credit reports, I mean evidence shows that it should show paid off, as well as XXXX said they should show paid of as well.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX, and I am directly submitting this complaint with no external parties involved. I have included letters that describe in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported by Transunion, XXXX, and XXXX.
Product: Vehicle loan or lease

Hello, XXXX a XXXX XXXXXXXX XXXX XXXX and got completely taken advantage of with this company credit acceptance. I financed a 2011 XXXXXXXX XXXX from this dealership called XXXX XXXX XXXX XXXX. A month later the motor goes bad and they knew it was messed up when they sold it to me, they loaned the car for XXXX $ with a XXXX % interest rate. I was desperate for a car, I had no license or insurance either and they still gave me the car. Once the motor went bad, they didnt want to fix it at all and I was ahead of payments until it broke down I stopped paying it. The dealership long brothers shop closed down, so now I cant get in contact with anyone from the shop and they repoed the car. Now I have a huge repo balance on my credit report and it looks really bad.
Product: Debt collection

This debt was paid in full on XX/XX/2020, in the amount of {$150.00} but it continues to show up on my Credit Report.