23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called to speak with an H & R collections representative two different times today ( XX/XX/22 ). During the first conversation when I asked for my account number to pay my bill online I was told I was being taken to small claims court and could not pay online. I asked for the account number anyway and discovered later I could pay online. I called back after losing the account number where again I was told I could not pay online. I also asked about being sued. I asked when this was happening and if I could have evidence of this. I was told no and that they did not have to provide a record. I asked if I could talk to someone who could tell me more about being sued and I was told no. I felt like I was being threatened over the phone in order to get me to pay off my debt.
Product: Mortgage

We have had XXXX remodifications in the past. XX/XX/XXXX we made timely payments. XX/XX/XXXX we missed a few months ' payments. When we got our tax return we were able to pay down {$2000.00} on an over {$4000.00} balance. This stopped any acceleration. We then made over our monthly payment for several months in XX/XX/XXXX. XX/XX/XXXX we got our monthly statement which included our monthly payment due and the total amount due to bring us current. We spoke with a representative on XXXX XXXX and she assured us that if we payed that amount of money via XXXX XXXX or overnight cashiers check that we would be current, all acceleration would stop and we would not have a payment due again until XXXX XXXX. On XXXX XXXX, XXXX {$3500.00} ( the exact balance ) was paid by cashiers check in a Bank of America branch as an epayment. 
Today on XXXX XXXX I got a call stating we were in foreclosure that they did n't have record of the payment and that if they payment showed up it would be rejected because we now owe the foreclosure fees as well. We did exactly as we were told - choosing the electronic route at the bank because it was faster than an overnight payment and we are being punished!
Product: Mortgage

I was sent a loan modification application by my mortgage servicer, Ditech in XX/XX/XXXX. I promptly completed the application and provided them with all of the request documentation including pay stubs, bank statements, signed tax returns, etc. on XX/XX/XXXX. Ditech assured me that a decision on my loan modification would be made within 30 days. It is nearly XX/XX/XXXX and no decision is made and my foreclosure case continues to proceed in court. I call Ditech weekly and ask for an update on the status of my loan modification application. XXXX XXXX from Ditech is very polite and indicates that the " underwriters '' are still reviewing my application for modification and that they will contact me when a decision has been made. It has been far past the promised 30 day decision turnaround and I am growing increasingly frustrated with the tactics of Ditech.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent Equifax, XXXX  and XXXX a letter to perform an investigation and review the accuracy of the account, XXXX XXXX XXXX. I am still seeing a monthly payment on a closed account and moreover, they re-aged the closed date and are reporting both on time payments and " repossession '' on my credit file. This information is misleading and inaccurate because they should not be reporting anything on my file after the account has been closed. Due to their negligence, i am now asking that this account be removed from my credit report because no notice of dispute was entered on the remarks section which violates my rights as a consumer.
Product: Mortgage

On XX/XX/XXXX I contacted Navy Federal Credit Union. My first attempt to get a debt consolidation line of credit to pay off high interest accounts to put us in a better position. Our current home values at {$900000.00} with a current mortgage of {$390000.00}. We were trying to get a loan for {$100000.00} that we were going to pay off Navy Federal Credit Union credit card which has a very high interest rate I have been paying for the credit card for more than 20 years. I never did get a chance to talk with a loan officer working on the loan. I made several attempts to speak someone with the bank. I left numerous messages and emails for the loan officer. I feel that my race had something to do with the outcome of the denial. I just got a copy of the denial letter this month. We applied again to get the loan to pay off the bank debt and other debt with the equity in our home. Same outcome no loan officer communication to discuss the purpose of the loan. Again we were denied. We found out that the bank was denying loan because of racial discrimination. I never spoke with the loan officer assigned my file. Please help us with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I obtained copies of my credit report, and noticed some inaccurate information. To this date XX/XX/XXXX. I have not received any investigation results, nor notifications regarding my disputes. Trans union and XXXX are constantly sending Stall letters, which is a blatant disregard of the law. I also submitted another set of letters on XX/XX/XXXX. It's been over 30 days with that, and still nothing.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. Collection/Charge Off 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 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 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 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 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 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 XXXXXXXX
Product: Checking or savings account

I was phone scammed on XX/XX/22. The caller ID showed " Wells Fargo '' ( XXXX ) XXXX. The caller was able to withdraw XXXX dollars from the ATM after I provided what I thought was " verifying information ''. However, I saw multiple transactions on my Wells Fargo app minutes after the call and immediately called Wells Fargo " back '' to ask why there were unauthorized transactions right after I'd hung up with the " fraud department ''. The claim was subsequently denied since I'd provided " sensitive information '' allowing for the transactions despite the fact that I did not realize at the time that I was being scammed. To add insult to injury, I was also charged XXXX dollars in insufficient funds fees when my scheduled automatic bill payments were withdrawn. 
The ATM had shown XXXX transactions in the amounts of {$500.00}, {$60.00}, {$140.00}, {$200.00}, & {$100.00}. I then had XXXX {$35.00} insufficient fee charges totaling {$140.00}. 
All in all, I lost {$1100.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX & XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX XXXX, XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and I have sent evidence along with police report to the credit reporting agency to investigate and provide evidence of validation. 
Credit Reporting agency failed to comply with request and my right under the Fair Credit Reporting Act public law 91-506. title vi, section 611, subsection a-d, where they are required to provide tangible evidence of the information verified within timeframe and failed to do so. Under this act, the credit reporting agency must eliminate any associated information disputed if they do not provide validation evidence by required time. Reporting Agency failed to provide me with evidence to support that the inquiries were " factual " within timeframe and I did not receive requested evidence from either the companies or credit reporting agency regarding the dispute. Credit Information is still inaccurate despite advising of unauthorized inquiries.
Product: Vehicle loan or lease

I purchased a XXXX ram XXXX from XXXX XXXX XXXX using Exeter finance llc for {$30000.00} with {$10000.00} down I decided to refinance through XXXX. I requested a payoff quote from Exeter and received it promptly then forwarded it to my bank. A cashiers check pay to the order of Exeter finance LLC for {$21000.00} was mailed to the po box listed on the payoff quote on XX/XX/XXXX and was cashed on XX/XX/XXXX at XXXX XXXX. Exeter finance claims that they never received the check. I have contacted several departments at Exeter finance with my bank on conference call with no resolve
Product: Checking or savings account

On the date of XX/XX/2018 chase bank allowed my business partner who by the way was fraud I entered XXXX dollars to a business account owned by chase transferred from my personal XXXX XXXX account. I was never told that any money was being taken from the business account by chase. I partnered with a female named XXXX XXXX who was the individual who stole all my savings stating that we can open a business together and once I transferred my funds she stole the money I was never notified that any funds were being stolen being the primary account holder and the one who entered the funds in the account I should've been told something but I wasn't this women was allowed to take my business funds I went the bank to find out about the account just to be told I was left with XXXX dollars I have all transactions she has made that did not include the business she was taking personal trips and flights with my funds. J.P. Morgan chase bank located in XXXX ny XXXX XXXX branch XXXX account number XXXX the amount again was {$150000.00} dollars I was also told that being as thou she was my partner they can't help me get my money back and they closed my account I was never notified about any transactions regardless to the fact I should've been alerted and no email no bank statements were sent to me nothing from the bank describing deductions. I now have all the statements being as thou I went to the bank my self without any knowledge of what was being done within a week all my funds were stolen out the account and she transferred the rest of my money to a her private account and opened a business in her own name with my funds please help. I have reported this to the FBI as well and hope to get the help I need complaint numberXXXX as it states in the statements she transferred funds to another business which is weird because this is already a business account and in the statements she has the business she owns on her own she transferred XXXX to a check please look into this I should've been notified and I wasn't about any of this
Product: Mortgage

My mortgage payment with Mr. Cooper ( formerly Nationstar ) is automatically deducted on the first of every month. This XX/XX/XXXX, I did n't see that deduction. Today, XX/XX/XXXX, I called to ask about the problem. The customer service representative and later, a supervisor, did not know why automatic debit was cancelled. As the supervisor told me " only the customer can cancel automatic payment and we have no record that you did that. '' Upon further reflection, the customer service representative told me that my mortgage was being sold to XXXX XXXX on XX/XX/XXXX. This was the first I heard of it. I received nothing in the mail from either Mr. Cooper or XXXX XXXX ; and the Mr. Cooper website did not indicate the pending sale/transfer of this mortgage. The website however indicated I was late on my mortgage, which was a bit annoying to me : I had set up automatic debit for the first of every month ; I called on my own to find out why the XX/XX/XXXX   payment was n't automatically debited from my bank account on XX/XX/XXXX ; the answer consisted of " we 're as surprised as you are '' and nothing more. It 's like dealing with the Bad News Bears of mortgage holders. 

Also, they told me a letter went out on XX/XX/XXXX notifying me of the pending transfer of my mortgage. I have yet to receive that letter - and even if I did receive it, it does n't explain why automatic debit was cancelled without any explanation. 

The customer service person just told me to pay the mortgage online. I do n't trust these people - never have. I 've always thought my mortgage with them was n't " going down '' as it should. Just yesterday, I read about their settlement with California for overcharging CA mortgage holders. 

In short, I would like to know ( i ) why automatic debit was cancelled ; ( ii ) why they did n't do a better job of notifying me of pending transfer of mortgage ( should n't there be a requirement that lender provides at least 30 days notice? ) ; and ( iii ) whether my mortgage has been appropriate amortized during the time they held this loan. 

THANK YOU, CFPB!
Product: Credit card or prepaid card

For the months of XXXX through XXXX of XXXX, my minimum of {$25.00} towards my bill for Capital One did not go through when it was on auto-pay. This happened concurrently with both accounts I have with this company. I reached out to the company and they said they saw the payment try to come out of my bank but it was rejected. They never notified me of the rejection and gave me this late payment. I continuously called the creditor to ensure my account was enrolled in auto-pay and received confirmation the accounts were enrolled and I would not have any issues. I was told back in XXXX of XXXX that these late payment remarks would be removed from my account as it was an error in Capital Ones autopay system. I have since disputed these late payments with the credit bureaus, and the company has failed to respond as this was supposed to have been resolved back in XX/XX/XXXX as promised. I have been a good customer for years, with two accounts with this company. I have explained the hardship these inaccurate claims have caused. There is now a derogatory mark on my credit file and the company will not help me with this unfair situation. I am unable to get approved for an apartment at this time due to derogatory marks.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX  XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$700.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$930.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$200.00}. The original creditor is XXXX. 
I am a victim of identity theft and this debt is not mine. 
Inquiry from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. I have been requesting this for many times this is at least my 10th time contacting you guys I will be filing for a lawsuit as this has taken longer then 30 days I will be requesting over {$20000.00} from you guys as this is absurd and a hindrance on my life. You have yet to do right I demand you delete all information. As you have not updated me in the proper time and I have attach a ftc report as well as an FBI report stating this is fraud fix this issue asap and delete all inquiries list on file. 
Sincerely, XXXX XXXX
Product: Mortgage

I have tried to fix a loan that I have with Bank of America for the last year, in that process they at no time did they give me the opportunity to refinance or to work with me on converting a balloon mortgage to a conventional loan until it was to full term and then they would not let me make payments due to the term was due in full. After the fact that it was late they would not let me refinance with them due to it being one payment late. So they have pushed me around for the last year to get the XXXX form sent in. I have sent 8 forms in and every time it has been something else was not filled out right or it was due to the fax being as they say unreadable. When I have faxed it from their branch and also sent in myself. I have had nothing but problems with them and they have successfully ruined my credit in the process. I am having to put the house in my wife 's name so we can refinance it and so we can get a loan from another bank because I would n't trust or finance another thing from Bank of America. At no time can you go to a branch and have someone help you because it has to go to Colorado for evaluation and they do not call you back in a timely manner, so you have make a scheduled appointment with them to get a answer. I have sent 8 forms in and no success but I can call the IRS and with in one hour I had the transcript that they needed and they will not accept it because they did n't get it from the IRS. I want to file a complaint.
Product: Student loan

In XX/XX/2023, I signed up for the SAVE plan on the Department of Education website. The XXXX  indicated that it could take up to 15 days for MOHELA to process my application, which seemed reasonable. However, by XX/XX/XXXX, there was no indication that my application had been processed. All three of my remaining student loans indicated that they were on the " PAYE '' repayment plan. 
I took to the website ( I'm a millennial, I avoid talking to people on the phone at all costs ) to try to send a message to check the status of my repayment plan application. However, the website would not allow me to send a message if the topic was on repayment plans -- the website specifically states " Sorry, messaging is not available for this topic. Please choose a different topic, call us or mail us correspondence. '' At this point I was frustrated. I struggle with XXXX, XXXX, and XXXX. Forcing student-debtors to communicate explicitly through phone call prevents people with disabilities from being able to ask questions and receive quick and convenient responses ( not that messages receive quick, convenient, or ANY response, as I will later learn ). 
So I wrote a script for myself and settled in for what I assumed would be a pretty long wait, and I was not wrong. I was on the phone for well over an hour before I even heard a human voice. But what I did get to hear every XXXX seconds was an automated voice reminding me that my issue could be handled online, and wouldn't it be better to do that than wait on hold? " Yes, '' I wanted to shout, " that would be lovely! But I can't, because you won't let me! '' When I finally got through to someone, they told me that they JUST received my application, they were still processing it, and they would get back to me... eventually. But probably in the next two weeks! Well, harried after spending an hour listening to what must be the most annoying soundtrack on earth, I made sure that MOHELA knew of my displeasure, and I wrote them a complaint on XXXX XX/XX/2023. I have attached a copy here. 
Obviously they never got back to me. My three student loans each still reflect that they are on the PAYE plan. I have received no correspondence or acknowledgement from MOHELA that they denied OR approved my application. I am exhausted, and frustrated. I have XXXX, and unfortunately it's the survivable kind. So any sort of forbearance offered by MOHELA is just going to put me into more debt ( because interest continues to accrue and is amortized into the balance of the loan ). The best hope I have to ever get out from under these loans is the SAVE plan, and everything MOHELA has done so far indicates that they have no intention of honoring the application. Please help me.