23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, i am writing to you because it is a nightmare dealing with Specialized Loan Servicing since almost 1 year ago. when the pandemic started my income was reduced so much that i had no choice to missed a few mortgage payments.

At first told me that i did qualify for a loan modification and because my income was reduced i had to submit my proof of income and an application.

Now after 10 months under review Specialized Loan Servicing told me that my loan doesnt qualify because the terms of my loan were extended to 636 months.

Which is False, my loan was not extended at 636 months as Specialized Loan Servicing confirmed that was the reason of denial.

Now Specialized Loan Servicing changed the story telling me that because my current interest rate is at 6.375 % Specialized Loan Servicing couldn't offer a better interest rate and that was the reason i didn't get a loan modification.

At this point im very frustrated with Specialized Loan Servicing since every time that i call they keep changing their story. 

Please help since i am very scared that after almost 1 year Specialized Loan Servicing did this on purpose to take my home away. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Last year I signed up for experian.com 's premium credit monitoring membership. This year, my membership expired and they attempted to charge my credit card to auto-renew, which is a common practice and I have no concerns.

Where the concerns start is that my card was declined, but they continued to attempt to charge it day after day for more than 2 weeks. At least 15 attempts over the last two weeks. 

What is more concerning is when you log into their app and website, it takes you to a screen to update your payment method, with no option to cancel or decline to update the method. If you scroll down, there is an option to call or snail-mail them ... but even that option is not identified as the only method they will accept to cancel. 

This seems extremely predatory. There should be an obvious option to cancel your membership on their website, in addition to the options to change the payment method. Futhermore, there should be a short window to try to re-process the payment after the card is declined. After a couple of attempts, those attempts should end. Repeated attempts can be a negative financial experience if the card being used issues fines or fees for declined attempts.
Product: Payday loan, title loan, personal loan, or advance loan

I tried contacting numerous times see if i can pay interest free for the rest of my payments but did not receive any response, i dont have the money to pay off the loan
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am a husband and the debtor is my wife. I received and returned calls on XX/XX/XXXX @ XXXX est, XX/XX/XXXX @ XXXX est, & XX/XX/XXXX @ XXXX est. All three times the debt amount and its collection status was disclosed to me as well as demands for payment although I am not on the debt. They continued to call me and collect a debt even after explaining that it was my cell they were calling, that I am not a right party, and that they needed to speak to my wife. When I asked them to stop calling, since they are only allowed 1 call to update info, they told me they would not cease calling until they received it in writing. I am not a right party, they can not disclose nor continue to harass me for a debt that is not mine. They continue to do this after being told their errors. They even lied to me about legalities.
Product: Debt collection

This company has committed HIPAA violations by having my personal information and itemized billing even has a copy of forms filled out on date of visit this breaks all laws of my privacy!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I will be attaching the documents of the violations they have sent
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX...
Product: Debt collection

I was notified that a collections account from States Recovery System was put on my credit report back in 2017. I immediately disputed with the credit agencies indicating that States recovery system was in violation of my rights. Specifically, Articles 2.1, 2.2, and 2.3. Later, I wrote 2 letters to States Recovery System via US mail to request a copy of when I was first noticed, when the charges took place, the amount, the person who authorized the service, and a copy of any documentation that the account was valid. I received nothing. More importantly, I never heard from anyone via mail, phone, or anything else within 5 days of them placing this on my credit.
Product: Credit card or prepaid card

On XXXX I redeemed rewards points on my Chase Freedom card for an Amazon {$50.00} digital gift card. I received an email at my email, XXXX, confirming receipt of my gift card order. The email stated that Chase would send the digital gift card either immediately or within 48 hours. I checked my email, including spam folder and did not receive the email containing the digital card. 
XXXX-spoke to Chase customer service and was told they would investigate and send another card. 
XXXX -- After not receiving the card I spoke to supervisor at Chase customer service and was told he would expedite the matter and send the digital card within 10 days. 
XXXX not receiving the card I spoke to customer service and was told she would send a physical card to my home at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 
XXXX After not receiving the card I spoke to customer service and was told a digital card was sent on XXXX to my e-mail. No email received. Requested a physical card be sent to home
Product: Debt collection

I believe I am falsely being charged, my XXXX account was merged with my fianc early this year and is now under his name and my account was closed with any balance remaining transferred to his name. This is not correct. I 've made multiple attempts to contact the company collecting and they never pick up or they hang up on me. I 've read about this company charging many people incorrectly and trying to scam them with small amounts from using phone companies.
Product: Checking or savings account

On XX/XX/2020, PNC Bank withdrew {$3400.00} from my checking account for an on line banking transaction to pay XXXX XXXX XXXX XXXX for my Credit Card bill. PNC sent the payment, a check, to in the incorrect address and XXXX XXXX, not XXXX XXXX XXXX XXXX, cashed the check. I called XXXX XXXX XXXX XXXX after I received an email from them stating that they had not received my Credit Card payment. I had to transfer {$3400.00} from my XXXX Savings Account to pay the bill. 
I then called PNC and they stated that there was nothing they could do and I had to submit a fraud complaint and they would investigate. 
I had to submit a complaint after I had it notorized and then called PNC a week later. 
PNC informed me that it could take up to 120 days to resolve this issue. 
PNC sent the payment to the incorrect address and I have to wait up to 5 months to get my money back? This is total XXXX.
Product: Checking or savings account

I ordered groceries from door dash totaling {$94.00}. My order never arrived to my door. It was taken to the wrong building. I asked door dash for a refund and was denied. I made a claim with Wells Fargo and they said they found that the transaction was authorized and a processing error did not occur which was not my issue. My issue is that I was never delivered goods and I have actual screenshots during the day and time they were supposed to be delivered. The only person on the XXXX camera was me looking for my food. Now Im being charged on the XXXX unfairly and would like to get some help.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX was deducting our personal XXXX checking account monthly fees that were not authorized. I never authorized this and they provided me no proof they had authorization for deductions even after multiple requests for a contract that they had claimed they had. I found they had deducted {$4900.00}. When I contacted the company they had no explaination and provided no contratual agreement to take money from account. They said they would only refund {$1500.00} of the money that was taken. They had no reasoning. I would like a full refund of the funds taken from my account without my permission. Please help in assisting me get my money back. I don't know who else to contact for help to get my money back.
Product: Mortgage

In XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX finance my home. I applied for the XXXX mortgage assistance in XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ). I signed the third-party authorization form for XXXX to process my request. XX/XX/XXXX, my application was approved for 12 months of mortgage payments up to {$50.00}, XXXX toward my loan. XXXX begin submitting payments in the amount {$1800.00} on my behalf to XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. 

On XX/XX/XXXX, my mortgage loan was transferred to Specialized Loan Services LLC XXXX ID XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX Fax : XXXX. I have filed previous complaints regarding SLS Mortgage failure to provide XXXX Information to resume my mortgage payments and correcting my credit report at the Credit Bureaus. After 6 months of call and submitting numerous complaints, SLS MORTGAGE finally provided the requested information to XXXX. Unfortunately, I am still experiencing problems with SLS Mortgage. 

The mortgage company is not posting my AHFA payments ( on my behalf ) to my mortgage account. According to XXXX, on XX/XX/XXXX ( attached ), their office processed and submitted my mortgage payment in the amount {$1800.00} via XXXX to SLS Mortgage for my XX/XX/XXXX payment. Although, XXXX recently reported, XX/XX/XXXX, correcting and applying the AHFA payment to my XX/XX/XXXX mortgage payment, I am having the same issue with my XX/XX/XXXX mortgage payment. 

As of this writing, my XXXX XX/XX/XXXX payment has not been applied to my account. I have contacted their office numerous times and requested an investigation to locate and post my XXXX XXXX payment to my account. However, the issue has not been resolved and I am concerned that I will soon start getting numerous phone calls from SLS Mortgage regarding my XX/XX/XXXX payment as in the past. 

According to XXXX records, my XX/XX/XXXX mortgage payment was processed and wired on XX/XX/XXXX. However, SLS Mortgage denies that they have received my XX/XX/XXXX mortgage payment from XXXX and it is not posted to my account. I am contacting your office for help to get the issue resolve so that to bring my loan current. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been in contact with XXXX XXXX in regards to a public record on my credit report. XXXX XXXX made a dispute on my behalf on XX/XX/2022 dispute # ( XXXX ) to XXXX XXXX, and equifax and with no reply stating they have no record of a public record bankruptcy on my credit report they never replied 30 days has exceeded from first dispute. after awaiting the resolution of the dispute i called back XX/XX/XXXX and filled a second dispute ( XXXX ) still after 5 days no reply today XX/XX/XXXX i personally also filled a dispute and asked about prior dispute on my behalf they claim to never received a dispute. ive also filled a dispute before they claim they receive information form XXXX XXXX
Product: Student loan

On Friday, XX/XX/2022, I contacted Edfinancial on the news of President Biden 's student loan forgiveness plan. Per the Federal Student Aid website, borrowers are able to request refunds on loan payments that were made during the CARES forbearance period. I requested a refund of my payments made during this time, which amount to approximately {$6600.00}. As a borrower with an income beneath the {$120000.00} threshold outlined in the White House 's initial relief plan, I am eligible to have this entire balance forgiven. I was repeatedly told that the processing time for this refund was upwards of 150 days, which I initially ascribed to the heavy volume of similar requests from borrowers. 

However, it seems as though Edfinancial is the sole servicer quoting these ridiculous processing times. In contrast, other servicers in the student loan space like XXXX, XXXX XXXX, and XXXX are only quoting 3-8 week turnaround times, and many of their borrowers have already seen refunds reflected in their accounts. Edfinancial 's extraordinary processing times not only put my eligibility for forgiveness in jeopardy, but they directly limit the effectiveness of the CARES act for those needing timely refunds due to financial hardships. 

Further, I was unable to request an electronic or paper confirmation of the refund request. Without a confirmation from Edfinancial and a quoted processing time of five months, there is no transparency to this process and I will have no recourse in the event there is an error in processing. 

I certainly remember my payments being taken out of my checking account within a few days -- why can't Edfinancial be held to the same standard?
Product: Credit reporting, credit repair services, or other personal consumer reports

It is inaccurate for XXXX and the 3 credit bureaus ( XXXX XXXX, equifax, and XXXX ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile
Product: Credit reporting or other personal consumer reports

XXXX XXXX Hard Inquiry being reported to Equifax. I demand this a the accounts listed in the identity theft report be removed as they are a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my XXXX XXXX XXXX was paid off in full. The lease was with Chrysler Capital. There remains a loan balance on my account that is inaccurate and should be removed. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, ( Capital One Account # XXXX ), has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card

After reviewing my credit report, this company has XXXX different credit accounts listed.i only had XXXX CCA with this company and the account has been paid and closed for several years. This company is currently still reporting to the credit bureau as of 2015 and I have n't had an account with this company in several years.
Product: Debt collection

[ XX/XX/year> EASYPAY/DVRA XXXX XXXX XXXX *****SENT VIA CERTIFIED MAIL**XXXX RE : VALIDATION OF ACCOUNT Account XXXX XXXX XXXX XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ XXXX XXXX XXXX 

This letter is being sent to you in response to an entry made on my Credit Report dated open ( XXXX ) Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 i received a letter from Santander Consumer and their attempting to collect on a old debt that has been removed from my credit reports and past the statute of limitations. 
It also states they are attempting to repossess the vehicle that i disposed over 4 years ago.
Product: Debt collection

I'm writing in response to a notice I received regarding an alleged debt related to XXXX. Under the FDCPA, I'm requesting a validation of this debt. 

I dispute the validity of this debt for the following reasons : -I have not received sufficient information to verify that this debt is legitimately owed by me.

-There has been no clear accounting of the amount claimed to be owed.

-I have not been provided with any agreement that bears my signature, indicating my agreement to pay the alleged debt.

-In accordance with the FDCPA, I request that you provide the following information : -A detailed and itemized statement regarding the alleged debt.

-Proof of your authority to collect this debt.

-Any agreement that you claim exists which obligates me to pay this debt.

-Verification of the date of the original delinquency.

Please note that this is not a refusal to pay, but a statement that your claim is disputed and validation is requested. During the validation period, any collection activities and reporting to credit bureaus should be ceased as mandated by the FDCPA.

If your office fails to respond to this request within 30 days from the date of receipt, this request will be deemed as an acknowledgment of the invalidity of the claim, and I expect the immediate removal of this matter from all credit reporting agencies.

Thank you for your attention to this matter. I expect your response in writing within the statutory time frame. 

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

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report and showing balances. I have disputed the information several times with Equifax due to both of these items were included in my bankruptcy. Equifax has yet to update and validating the debt
Product: Debt collection

Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute inaccurate information on my credit report pertaining to XXXX XXXX XXXX XXXX Upon reviewing my report, I noticed that it reflects an outstanding balance that is incorrect. 

I have received a 1099-C Cancellation of Debt form from XXXX XXXX XXXX XXXX XXXXndicating that the debt has been canceled and the balance should be reported as XXXX. I have enclosed a copy of this document for your reference. The reporting of this account as having an outstanding balance is not only inaccurate but is also negatively impacting my creditworthiness. 

In accordance with the Fair Credit Reporting Act, I kindly request that you conduct a thorough investigation into this matter. Please update my credit report to reflect the accurate status of my account with XXXX XXXX XXXX, showing a balance of XXXX. 

Thank you for your prompt attention to this dispute. I look forward to your confirmation of the resolution and an updated copy of my credit report reflecting this correction. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copy of 1099-C