23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan through Great Lakes borrowing service was recently transferred to the likes of Nelnet. I added my bank information to set up autopay. I also decided to pay down a sizeable chunk to shorten my timeline. 

After several days, I noticed no sum was deducted from my account. I logged back into my account to find that the payment was listed as " last payment received '' with the correct amount, but there was no history, record, or paper trail of the transaction. As my auto debit was due, I saw that too was reclassified as " processing, '' only to find two days later that it was canceled by Nelnet.

All information regarding my banks was correct -- I wouldn't have been able to get as far as I did if it wasn't -- but this company has the inability to process a payment while allowing interest to accumulate. I am fundamentally unable to pay off my loan to a servicer who refuses to accept my money. 

Further, upon logging in, I can NOW view my Nelnet account, consisting of : - No due date available - No recent activity ( i.e. payments ) - No available repayment status - {$0.00} current balance - The amount of my formerly active auto debit listed as received - My contact information, listed under the name " null null '' I am currently on hold going on 90 minutes as well. There does not appear to be any sort of recourse for a late or unreceived payment, as this company seems not UNDERstaffed, but UNstaffed.
Product: Debt collection

This complaint is against the co mpany " MBA Law  Offices /  XXXX  ''.     Currently, they are reporting that I owe them a total of {$1300.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ". My report indicates that the account has an " open date '' of  XXXX   2016 .
Product: Credit reporting or other personal consumer reports

Thank you for correcting some of the misleading information on my credit file. However, I am not satisfied that your review fully complies with the guidelines of the Fair Credit Reporting Act. There are still items that require proper action to ensure the highest accuracy of my credit file. Therefore, I am requesting a further investigation of the following items : ( XXXX ) XXXX  XXXX Balance : {$4500.00} The reported number of late payments is incorrect. I have never missed a payment. Please update this information immediately. ( XXXX ) XXXX XXXX Balance : {$72.00} According to my records, this account was consistently paid on time, and I never missed a payment. Please update this information promptly. ( XXXX ) XXXX  XXXX Balance : {$9700.00} The reported number of late payments is incorrect. I have never missed a payment. Please update this information immediately. ( XXXX ) DISCOVER XXXX XXXX XXXX : {$4400.00} According to my records, this account was consistently paid on time, and I never missed a payment. Please update this information promptly. If your investigation can not verify the accuracy of the information I believe to be incorrect, please update it immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Product: Debt collection

The debt collection agency called me on XX/XX/year> around XXXXXXXX XXXX  claiming that I owed money to a creditor. I do not recognize this debt. Upon being sent documentation of the debt, it is well outside of the legal statutes of limitations in the State of Florida ( the state where the contract was signed and all documentation was addressed to ). 

Every communication I've had with them has come with empty threats of a lawsuit, likely in an attempt to get me to admit to the debt to reset the statutes of limitations. 

I sent them a cease and desist letter stating that I do not recognize the debt and their own paperwork shows it's outside of the statutes of limitations, but their response was to send me an email claiming I'm being referred to an attorney to be sued and have liens placed upon my property unless I pay.
Product: Debt collection

Called looking for a former employee. Automated teller claimed employee is being charged with multiple legal infractions brought about by the courts ; person then picked up claiming to represent the " local court system '' finally got the company name and told them to stop calling me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this consumer reporting agency has violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This states that transactions are not included in the report. 

Please remove all late payments from : XXXX XXXX : Account number XXXX This account is paid in full. Please update payment history to paid as agreed never late ( XXXX  ).
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX This is a written notice of dispute, which gives me the ability to dispute any information on my consumer credit report. My initial dispute was due to the inconsistency of the information provided on my credit report, which was not in compliance with FCRA guidelines and violates my consumer rights. 

As a result of the dispute, I have received a response from each consumer reporting agency. 

XXXX investigations results status remains as verified after XXXX reinvestigations. 
TransUnion credit file dated XX/XX/2024, File number XXXX - deleted XXXX XXXX XXXX file dated XX/XX/2024, Confirmation # XXXX deleted XXXX & XXXX Supporting documentation : Included is a copy of TransUnion and XXXX credit report that contains the investigation results. XXXX and TransUnion still remain inaccurate, incomplete, and unverifiable after the investigation. 

DEMANDED ACTION : Remove from my credit report pursuant to FCRA 623 ( a ) ( 1 ) ( B ) and 623 ( b ) ( 1 ) ( d ) ( e ) Account : XXXX XXXXXXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

We had been told by Barclays that that we had deferred interest if we made a purchase from XXXX. We need to respond to the email or call if we wanted this offer. We replayed to email, now we are being charged interest. And was told by a customer representative that we never request this offer so we are being charged 24 % interest on purchase attach is email from Barclays and at bottom our request for deferred interest offer.
Product: Bank account or service

I made a transfer from my XXXX XXXX XXXX checking account to my HSBC savings account using online banking ( bill pay ) as I have done for years. The {$3000.00} was deposited in my HSBC account and then they took it out charged a fee and sent a check to me marked " refer to maker '' on it. I took that to a XXXX XXXX XXXX branch and they deposited it into my XXXX account. Then a few days later it was taken out of my XXXX account again with a " refer to maker '' error. I again went to XXXX to get information and they put in a request for research. I then had a rep from XXXX contact me and state that they are doing a treasury trace but that HSBC presented the check to the treasury 4 times and that they still had the {$3000.00}. XXXX has been attempting to contact HSBC to get them to research it to no avail as they state the money is with XXXX XXXX XXXX. This has been going on since XX/XX/XXXX and I feel that I have been defrauded out of XXXX since each bank is blaming the other and no one can seem to get my {$3000.00} back into either account.
Product: Credit card

A Chase Sapphire Card was applied on my name which I never applied on XX/XX/XXXX XXXX
Product: Mortgage

I got let go from my fulltime job, I sent a letter to my montage company back in XXXX letting them know that XX/XX/XXXX would be my last day of work. I was sent the information packet XX/XX/XXXX and sent it back on XX/XX/XXXX. I sent a couple emails to the person that sent me the email but they never did respond. I called the Monday of the next week and was told that my house was sent for foreclosure the same day that I called which I believe it was sent when I told them I wouldn't have a job and I was already behind. I requested that I speak with a supervisor and was told she would give me a call once she got out of a meeting and this was on Monday XX/XX/XXXX and still waiting on the call. At my mortgage company I was told by some guy that I didn't qualify for unemployment forbearance because I couldn't afford to make my payments and I didn't have a job and I asked him isn't that what a unemployment forbearance is for? I'm only working a XXXX  job now, my job relocated I sent my mortgage company the letter from my job. I have a FHA Loan on my house and I called them and I was told to call my mortgage company and to be stern with them because it wasn't to late for me to get a unemployment forbearance. Then I was told I think by XXXX that I didn't qualify for it because I was working XXXX XXXX and I told her I had one before and I was working XXXX  XXXX  and she stated maybe the rules changed in Texas. It's like every time I called I get told something different. The only thing they want you to do is a modification which put you in more debt and puts another loan on your house. This is so not fair!! I filled out all forms and sent them back, and now they are saying they didn't get all the information back in time but when I called about they tell me that it's to late to do anything about it but I'm still getting information in the mail, they just want to take my house from me.
Product: Debt collection

I disputed an alleged debt with National Credit Adjusters to all three credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus validate how the alleged debt was verified on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting they validate the debt ( per the FDCPA ) by providing the following information : -an explanation of what the alleged account balance is for -a calculation of this balance including the complete payment history on this account -documentation that shows I agreed to pay this debt -the agreement that grants them authority to collect on this alleged debt -a copy of their state license including the license number. 

However, as of XX/XX/2020 I have not received a response or validation of the alleged debt from National Credit Adjusters.
Product: Debt collection

On XX/XX/2019 I was served with a lawsuit by Aldridge Pite LLP a, debt collection attorney, ( case no. XXXX ) naming me and my siblings, ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX with the Estate of XXXX XXXX to foreclose on his home, which had a reverse mortgage. I immediately contacted the Law Office of Aldridge Pite LLP. I spoke to the paralegal assigned, MS. XXXX XXXX, to the case and advised that according to my fathers will, I was disowned. I offered a copy of the will and asked that I be removed as a party to the lawsuit. I emailed that will to Ms. XXXX on that same day. Ms. XXXX advised me that she had already spoken to my sister XXXX and would be emailing us a document to sign dismissing my name from the action. She asked that I send her a copy of the will. I also informed her that my brother XXXX XXXX was adopted by my step-father when he was XXXX years old. He was also not a legal heir. According to the will, the only legal heir is XXXX XXXX. 

I never got the email. My sister XXXX however did. I thought that since the statute of limitations to contest the will had expired on the XXXX of XXXX, that the reason I did not get that email was because I provided a copy of the will. I thought nothing of it and didn't even discuss it with my sister. Shortly after that, Covid caused the lock down in my state and Oregon, I did not even consider that I might need to appear in court. I was also not notified that there was a change in attorney 's handling the case, which would have clued me in that I was still on the list of defendants. 

On or about the XXXX week of XXXX, I received a copy of the judgement against me for the default and foreclosure of my fathers house. Not only am I not a legal heir, I was never on the title or the loan. I did not discover that my sister had received the email, and I did not, until I spoke with XXXX after receiving the judgement documents. 

This man was an XXXX XXXX XXXX who was convicted in an Oregon court and served time in the Oregon XXXX XXXX. He was cruel in life and he was cruel in his death and now this law firm continues to victimize his children by trashing our credit and our peace of mind. We would like nothing more than for everything pertaining to XXXX XXXX to die with him. Now we fear that other debt collectors will also come after us.
Product: Money transfer, virtual currency, or money service

Im writing to share my concerns about how Zelle handles disputes, especially in light of the recent CFPB lawsuit that exposed major issues with the platform. Ive used Zelle many times and reported problems with certain transactions, but neither my bank nor Zelle took the time to properly investigate my claims. Instead, I was told that recovering the money was impossible and that tracking the transactions couldnt be done. The CFPBs findings reveal that Zelle has failed to protect its users and has allowed repeat offenders to abuse the system, leaving people like me vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about the safety of using the platform.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX DEBT # XXXX Account XXXX : XXXXXXXX XXXX XXXX # XXXX Account Name : UNKNOWN # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I advised this company that the landlord under Texas law has failed to provide what is required by law. If the landlord has failed to either provide me with the security deposit or an itemized list of deductions within thirty days from moving out, the law may allow me to collect {$100.00}, three times the amount of the security deposit wrongly withheld, court costs, and attorney 's fees. If the landlord improperly made deductions from the deposit I will also have the opportunity to obtain the same damages and penalties. Section 92.109, Texas Property Code. Here the landlord has acted in bad faith, and therefore the landlord by law can not make any deductions to the deposit whether or not I damaged the premises. Section 92.109 ( b ), Texas Property Code. Additionally, I will be filing a lawsuit against this credit collection company tactics to immediately report a debt to all three credit bureaus for a debt I do not owe and their communication tactics and constant harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to provide me with requested documentation verifying the accounts i disputed does indeed belong to me. It's gone way past the 30 day mark and still no changes to my account. They first recieved my letter on XX/XX/2018 and and respnded on XX/XX/2018. My second letter was received on XX/XX/2018. Both sent via certified mail. I just checked my report again on XX/XX/2018 and there's been no updates. I am aware of my rights under the FCRA stating for prompt deletion if and whenever information can not be PROPERLY verified and I now need assistance in resolving this manner sooner than later. Thank you.
Product: Mortgage

I believe Quicken Loans is violating federal law by collecting more than the cushion allowed by federal law. 

Our annual escrow report for XX/XX/XXXX shows a balance in XX/XX/XXXX for {$880.00}. Our property tax and homeowner 's insurance totaled {$3500.00} ; the 1/6 cushion allowed by federal law is {$610.00}. 

The summary of my projected escrow account for the coming year shows Quicken estimates our property taxes will increase to {$4500.00}. 

On XX/XX/XXXX I contacted a client advocate regarding the increase. XXXX told me that the increase is based on the county 's assessment. I asked her to send me the documentation that justifies their increase. I have not yet received it. 

I then called my county assessor who informed me that they don't send assessments out until XX/XX/XXXX. She stated property taxes were likely to stay the same for XX/XX/XXXX.

The property tax increase appears not to be justified and is over the allowed 1/6th cushion.

Thank you for your time.
Product: Consumer Loan

I took out a loan from XXXX XXXX for {$400.00}. I was told there would be a {$140.00} service fee but after the loan was complete I received an email showing I will be paying back a total of {$1800.00}. I have to date already paid back a total of {$560.00} but they are still deducting money from my checking account. They are charging an interest rate of over XXXX %. The company has now changed names to Big Picture Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

After two request Equifax and XXXX refuses to respond to my request for my credit reports. My requests were dated XX/XX/2018 and XX/XX/2018 respectively ...
Product: Credit reporting or other personal consumer reports

A few months ago I went to apply for credit cards and the underwriting team told me that XXXX and Equifax wasn't releasing my credit file. So, I tried to retrieve my credit information via XXXX XXXX. It was odd that my app kept telling me my credit scores wasn't updating. I reached out to XXXX to see if I had a credit freeze, they said no. Also, they informed me they didn't have a credit file for me which was odd. I had good credit with very little accounts on my credit especially my XXXX. They told me they were going to investigate to see what's going on with my credit file because when I was providing my name and SSN nothing was popping up on their end. Days went by and they informed me they found my credit file, but they did something wrong because they added all this debt and accounts that aren't mine. I have proof prior to the phone call that I didn't have all the debt they put on my credit. This is unsettling for me and my credit journey. They told me they didn't have a credit file for me but when they do finally do they add debt to make a credit file which is against the law. I've had credit history since I was XXXX years old. I attached files where it shows I didn't have all those accounts on my XXXX or Equifax in XX/XX/2023 and XX/XX/2023. Now it doesn't make sense. Also, I listed a few laws from the FCRA that this action has violated me and my credit. 

15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Mortgage

Our company, XXXX XXXX XXXX XXXX, made a complaint in regards to this mortgage on XX/XX/XXXX, Thursday, and we were quickly given a response back from CFPB that Ditech did not have us listed as an authorized 3rd party, which is strange seeing that we have been communicating with Ditech since XX/XX/XXXX. I called Ditech today and confirmed that we are and since XXXX, have been an authorized 3rd party. 

In XXXX XXXX XXXX and XXXX XXXX received a cancellation of debt discharge from Ditech. Their mortgage was forgiven. XXXX XXXX was involved in several lawsuits for shady loan practices and Ditech is now new owner of those loans. In XXXX Ditech issued a discharge of the mortgage debt and sent XXXX 's to XXXX and XXXX, however never sent discharges to the registry of deeds which is REQUIRED by law in Massachusetts to occur within 45 days of the forgiven debt. Per Mass.  G.L. c.184, 17B Mortgages must be discharged within 45 days of receipt of full loan payoff by recording and furnishing a copy of the discharge with corresponding recording information or providing a proper discharge to the per-son paying off the loan. They received full loan payoff on XX/XX/XXXX, which means a discharge should have been recorded by XX/XX/XXXX of XXXX. That never happened. XXXX and XXXX are trying to sell their home. When title was pulled the mortgage was still on title. When we called to find out why a discharge was never recorded, we were told that the debt was still due. Both XXXX and XXXX had to pay taxes on this forgiven debt in XXXX, so for Ditech to say the loan is still due makes no sense. When we pushed further, they sent us a new XXXX with no information on it.