23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Carter-Young, Inc. trying to collect a debt from me by stating that I co-signed for XXXX. I did not co-signed for XXXX. Carter-Young is mistaken and I believe is confused between XXXX and XXXX. I co-signed for XXXX and XXXX paid all of his payments to The XXXX apartments for the contract that I co-signed. The Person I co-signed ( XXXX ) did not live at The XXXX apartment for the year of XXXX. XXXX lived from XX/XX/XXXX. The false proof that the Carter-Young is sending me by email is showing unpaid rent for the year of XXXX. Additionally, Carter-Young has not sent me their claim in writing ( by mail ) and their valid proof yet, although a request to send was made more than a month ago. Without claim in writing and Valid proof XXXX is showing a collection report filed in my name by Carter-Young.I have disputed this debt more than 3 times now and Carter-young illegally has put my name for collection.
Product: Mortgage

I have owned my home for 20 years. I am XXXX years old. The loan was originally a VA loan. It was then refinanced as an ARM pick a pay. It was sold from world to XXXX ( or XXXX to XXXX, then to XXXX XXXX and finally to Rushmore Loan Management where the biggest problems started. My interest rate when Rushmore bought it was,XXXX in XX/XX/19, then It Dropped to XXXX, then to XXXX. They started with monthly payments of {$1600.00}, they raised it to {$1700.00} in XXXX. Then {$1800.00} in XXXX which I couldnt pay yet. My interest rate drops and my monthly payment goes up. 

Their excuse is they want to catch up on amortization. I only owe about $ XXXX and the value of the house is over $ XXXX. I spoke to XXXX, a supervisor today to explain I cant pay yet. They cant send faxes. Their web sit is not fully Working. 

They asked me to mail them authorization to talk to you.
Product: Checking or savings account

Funds not allowed to be accessed. Waiting periods. ATM fees. Overdraft fees. Never having credibility when I have had an account for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as the 3 credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX and XXXXXXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report.
Product: Student loan

Good afternoon, I have yet to receive a formal statement from Heartland ECSI since XX/XX/XXXX, which was the time in which they took over management of my loan from Campus Partners. I have made payments only because I have personally logged into the account to see the status. It is the obligation of the loan service provider to provide me monthly or quarterly statements and notify me within 30 days of my due date of payment. None of this has happened. I have received XXXX document stating that my loan was been transferred to Heartland XX/XX/2016 and one email dating XX/XX/XXXX that my statement was ready. No correspondence other than this, not one time. I have requested electronic and paper billing none of which I have received.I made this request XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX none of my requests for statements were met. 

In addition to the lack in response Heartland ECSI processed a payment XX/XX/2016 that was submitted to XX/XX/XXXX. Campus Partners now Heartland ECSI stated to the credit bureaus that no payment was received but clearly written on the check along with my USPS receipt for the payment with the date. That is clearly fraud and needs to be corrected immediately along with any interested that was occurred due to that misapplied payment. 

I am hopeful that the CFPB will support me in this effort to correct the wrong doings of these XXXX companies so that no other borrower will be taken advantage of.
Product: Credit reporting or other personal consumer reports

I recently found out that XXXX XXXX XXXX XXXX placed a charge off on my credit report in XXXX of 2021. However, I have never opened an account with XXXX XXXX XXXX XXXX and have tried disputing this fraud account through the credit bureaus, all of which were denied saying that " The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have filed an identity theft report about this matter and am pursuing this to erase this account off my credit report that was never mine to begin with. I have tried contacting XXXX XXXX XXXX XXXX with no help. The customer service reps are unable to provide me with any information whatsoever about this account. This needs to be addressed and looked into to see who opened an account under my identity or if this was a mistake made by XXXX XXXX XXXX XXXX. Either way, this charge off needs to be erased off my credit report as the account was not mine and it is majorly hurting my FICO score as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

In eith er  XX/XX/XXXX  or  XX/XX/XXXX  I appl ied for a credit card wit h    XXXX   XXXX   / XXXX /  XXXX   A ccount #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX  I w as made aware by    XXXX   XXXX  / XXXX  that my account was past due {$130.00}. These charges were for a {$75.00}  annual fee followed by late fees. I told the representative that I was in the hospital and #  1 NEVER RECEIVED THE CARD AND # 2 NEVER ACTIVATED THE CARD. When I questioned the represen tative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Althou gh   XXXX   XXXX  / XXXX /  XXXX    updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment o n my credit for     XX/XX/XXXX   . I tri ed calling them again and even contacting the  XXXX  credit bureaus  (  XXXX   XXXX  ,  Equifax, and  XXXX   ) but, the late   payment is still there! How can this company report a   XXXX   day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!
Product: Student loan

To whom it May concern Dear Sir/Madam Recently in XXXX my student loan servicer XXXX, account # XXXX, transferred my loan remaining loan balance to another student loan servicer Edfinancial, acct # XXXX. 
I believe this XXXX student loan transfer to a different servicer Edfinancial was only done for financial reason since XXXX was aware my employer XXXX XXXX XXXX  who had contacted them was in the process of paying of my loan balance with XXXX through a special student loan payoff program for federal employees. 
My employer notified me beginning of XXXX they had received notification communication from XXXX that my student loan balance had been transferred to Edfinancial. 
After registering my account with Edfinancial thereafter ; on XX/XX/XXXX, I reached out to Edfinancial for a Loan verification letter to update my loan payment application with my employer, as per my employer. I spoke with customer service rep XXXX requesting a loan verification letter and that I wish for it to be sent to myself electronically via e-mail same day, ( This is something I have always requested and received from all my previous other student loan servicers including XXXX ). 
However, on this occasion Customer rep XXXX advised me the electronic letter would take 7 days to be sent to my e-mail. He didnt not offer any reason for this length of time to issue details Edfinancial easily have on hand. After waiting 10 days not receieveing anything ; Today XX/XX/2024 I reached to Edfinancial again for an update. This time I was advised by another customer rep XXXX that the wait time for an electronic loan verification letter is 7-10 business days. 
This is totally fraudulent business practices on the part of Edfinancial student loan servicer, it would seem to me they are deliberately dragging out the time my employer could attempt to pay my remaining loan balance whether for receiving more interest and having me with them long enough to register an account and start the repayment process to get some kind of federal credit with amount of people in there system in repayment status, Im not quite sure but I do not it is to gain more financial leverage from people whom Edfinancial is there loan servicer. 
I am requesting your help, and investigation on the matter, both from expediting consumers loan verification letter requests and payoff process, from this unscrupulous student loan servicer.
Product: Money transfer, virtual currency, or money service

Hi. I purchased a money order on XX/XX/2023. I filled it out and soon realized I no longer needed it. I filled out a refund request with Western Union on XX/XX/XXXX and received an XXXX  case number ; XXXX. ( see attached ). It says it would take 30 days to process. It's been more than 30 days so I contacted WU customer support by chat and the rep was very confusing and would not allow us to speak over the phone so I could understand what she was saying. I shared with her the XXXX XXXX  # and that I have both the unused money order and receipt in hand. She was not helpful and there is no way to contact them by phone to my understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CREDIT UNION and their registered agent XXXX XXXX XXXX are violating fcra and FDCPA Laws pertaining to my credit report. I do not have the account number as the credit reporting is extremely inaccurate and inconsistent, but the alleged account in reference was a credit card with a limit of {$13000.00}. 

Incorrect and inconsistent Account # Incorrect and inconsistent Date Opened Incorrect and inconsistent Date Last Reported Incorrect and inconsistent Date Last Active Incorrect and inconsistent Date of Last Payment Incorrect and inconsistent Payment History
Product: Checking or savings account

On XX/XX/year>, I went to the Bank of America ATM XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX to withdraw {$700.00}, the ATM machine dispensed {$500.00} and printed {$700.00} receipt to me. 
I immediately went inside the bank to lodge my complain, the manager said I should contact the ATM servicer, I did, they said they would pay the {$200.00} back. 
Few days later they deducted from my account saying that they checked their system, no error ; but {$500.00} was dispensed to me. 
I just need my {$200.00} back into my account. 
Thanks for helping.
Product: Student loan

I applied for XXXX with Mohela in XXXX XXXX XXXX. I made XXXX qualifying payments as of XX/XX/2023. My loans were partially XXXX in the amount of XXXX on XX/XX/XXXX. I still have the other part of my loan XXXX still dangling. All of my loans are at the XXXX qualifying payments and I only needed XXXX for XXXX! People who I have helped apply for XXXX have been fully forgiven before me. Mohela and XXXX XXXX  are steadily adding daily interest to the loans that are suppose to be forgiven already! I want these loans forgiven today! I XXXX for XXXX XXXX for XXXX years and have done everything Mohela has asked me to do.
Product: Credit card

I obtained a quote for moving services XX/XX/2015 and accepted the vendor. I never received an invoice yest was billed two times at rates not in the quote. Once for {$450.00} and once for {$90.00}. This total was well over the quoted price for service. 
I contacted this CC and filed a complaint. The CC issued me a notice of PERMANENT reversal of the charges. Now the CC placed the charges back on my account after the PERMANENT reversal notifications over a month ago. I also contacted the moving company but there has been no reply.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I obtained my mortgage with previous lender back in XX/XX/XXXX. Since then, our mortgage had been transferred/sold between numerous lenders. In order to obtain the loan, we had to comply with ALL the requirements including open and maintain an Escrow Account and obtain the REQUIRED insurances. 

For the past 5 years, we never had any issue with our lenders until Wells Fargo purchased our mortgage account in XX/XX/XXXXInferno had began. 

On XX/XX/XXXX, I received a first notice from Well Fargo demanding an Additional Hazard Insurance which I promptly contacted the office to explain that might have been a mistake. The Notice stated that the Well Fargo was entitled to force-place comprehensive insurance and charges us for the cost of that insurance. After talking to 3 different Wells Fargo representative, I was told that representative XXXX would research and contact me back. 

On XX/XX/XXXX, I received a second and final notice from Wells Fargo stating that a comprehensive wind insurance was required under Wells Fargo mortgage, considering that as a mortgagee consumer, we have no say as to the transfer of mortgage between lenders/financial institutions. 

On XX/XX/XXXX, I send a Qualified Written Request regarding the unreasonable request and demand for action. 

In XX/XX/XXXX, I received a statement of our escrow account showing an increase of {$9100.00} charge for the harzard insurance. Our mortgage raised from {$1300.00} to {$2600.00} or as a second option {$1900.00}. 

In addition, Wells Fargo sent a letter dated XX/XX/XXXX stating that it had issued an additional hazard insurance for the amount of {$6300.00}, but the statement send on XX/XX/XXXX shows an increase on the escrow account in the amount of {$9100.00}. 

Wells Fargo sent us a letter stating that they are entitled to force placed insurance based on existing contract. However, Wells Fargo failed to considered that ( 1 ) No insurance had been cancelled for our property since XX/XX/XXXX and ( 2 ) no insurance policy had failed to renew within the past 5 years. Thus, without the two situations above that trigger their right to force-placed insurance, Wells Fargo is not entitled to do so. In sum, Wells Fargo as a sucessor lender had NO reasonable basis to request, to demand, and to impose a collateral/additional insurance since we have met all the requirements to maintain required property insurances on out home. 

Finally, the transfer between lenders should not alter the mortgage conditions or its practice to the point that burdens the consumer mortgagee. Wells Fargo should be obligated to abide by previous terms and conditions and practice of the existing relationship between previous lenders and us. The mortgage loan transfer SHOULD NOT create a financial burden on uslike in this case in which defenselles our mortgage monthly payment almost double the amount of payment ( {$1300.00} to {$2600.00} or {$1900.00} ).
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I purchased a vehicle on carvana XX/XX/XXXX and agreed to pay a {$1400.00} delivery fee of vehicle. The money was in my bank account at the time I agreed. Literally minutes after placing the order I cancelled it, due to another direct deposit due for my account I learned would not be coming, so I didn't want to make my self broke and cancelled the order within moments of placing the order. 5 days later, they took the XXXX delivery fee out of my bank account. Since the time I cancelled the order, I spent some money, so not only did carvana take money out of my bank account 5 days after I cancelled the order, they overdrafted my account and left me with a negative XXXX. They would do nothing to help me except tell me they would return the money in 10 long days and nor pat the over draft fees they caused by withdrawing the money after the contract was XXXX are leaving me without any money for 10 days and now I have to pay {$600.00} in overdraft fees because of them taking the money anyway after I said don't. I have no money for 10 days. What am I going to do about food, gas, other bills?
Product: Debt collection

BMO alleges I owe a debt and it is completely false. I have spent numerous hours attempting to show them and yet they continue to harass me, report me to credit bureaus and threaten to seize my property. Here is a copy/paste of what I have sent recently and what is similar to what I have sent in the past. 

XX/XX/XXXX I moved and began a series of useless calls with your company trying to update my address. I was even told to drive to a local BMO just to change my address. I was not getting statements XX/XX/XXXX Same as above XX/XX/XXXX Same as above XX/XX/XXXX {$64.00} via XXXX due XXXX. XXXX XX/XX/XXXX {$110.00} via XXXX due XXXX XXXX ALSO INCLUDED XXXX WHICH WAS MISSED B/C YOU XXXX SWITCHED TO XXXX  AND NO ONE SENT ME ANYTHING. THIS WAS AFTER I ALREADY UPDATED MY ADDRESS IN PERSON AT A LOCAL BMO XXXX BRANCH AND OVER THE PHONE MULTIPLE TIMES. The late fee was waived due to BMOs admitted failure to 1 ) send correspondence to the correct address ; 2 ) provide due notice of a change in loan servicers ; 3 ) provide updated mailing address for new servicer ; 4 ) provide updated loan number under new servicer XX/XX/XXXX {$64.00} via XXXX due XXXX XXXX XX/XX/XXXX {$60.00} via XXXX due XXXX XXXX XX/XX/XXXX {$65.00} via XXXX due XXXX XXXX XX/XX/XXXX {$64.00} via XXXX due XXXX XXXX XX/XX/XXXX {$60.00} via XXXX due XXXX XXXX XX/XX/XXXX {$74.00} via XXXX due XXXX You are in breach of all applicable state and local laws by continuing to report my account delinquent, by harassing me and threatening me via written letters sent both via regular US Mail and certified US Mail . At this time, I will be filing complaints with the consumer Financial Protection Bureau & appropriate local state agencies. Further, I intend to retain counsel and seek reimbursement of those legal fees, costs, plus interests and damages as appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX  acct # XXXX has violated my rights under 15 USC 1681section 602 A states that I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX acct # XXXX XXXX has violated my rights under 15 USC 1681 section 602 A states that I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX XXXX acct # XXXX has violated my rights under 15 USC 1681 section 602 A states I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX acct # XXXX has violated my rights under 15 USC 1681 section 602 A states I have a right to privacy, also under 15 USC 1681section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX has violated my rights under 15 USC 1681section 602 A states I have a right to privacy, also under 15 USC 1681 section 604 A 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection of any debt.