23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was on a mortgage forbearance plan with Mortgage XXXX XXXX From XXXX of XXXX until XXXX of XXXX. When I opted to come out of the plan and start making mortgage payment my loan was sold to BSI Financial. On XX/XX/XXXX Mortgage XXXX XXXX  sent over my new agreement to the company. Which was a new balance of XXXX, monthly payments of XXXX until XXXX XXXX at a 3 % rate. Well in XXXX BSI Financial sent me a bill for XXXX. I immediately called and explained that i signed a contract and if I previously owed XXXX due to the forbearance plan I no linger owe that amount. I was sent to the voice mail of XXXX XXXX ( who was over my file ) .Who assured me everything will be updated in the system once processing processes everything. After XXXX passing and still no update I called Mortgage XXXX XXXX and they advised me it shouldn't be taking BSI XXXX this long to update your new contract. So I called BSI Financial and left several voicemails for XXXX with no call backs. I was transferred to a customer service manager XXXX XXXX who assured me he would email XXXX and cc her manager XXXX XXXX who has yet to follow up with me as far as why hasn't my account been updated. Due to the lack of follow up and poor communication skills and the system reading the wrong information I have been scarred to make a payment. When I put my ego aside in XXXX and called to make a payment the rep advised me she couldn't take my payment due to the status of the loan and she then proceeded to forward my call to XXXX to make a payment but per usual she does not answer. I am hoping you all could potentially speak to someone higher up in the company so that my account can be updated. We are 5 months into the year and it should not take this long for them to update the amount I owe them. I am asking for all late fees they have on my account be removed due to their lack of processing and any payments that was supposed to start be placed to the back of the loan because they failed to update there system making me feel comfortable enough to make a payment. i did not feel confident that this company would forward my payments mad correctly once the system was updated and I did not want to put myself through any further headache or stress with this comoany
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX2019 NATIONAL CREDIT SYSTEM XXXX {$3100.00} XX/XX/XXXX2024 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 
NAMES NOT RECOGNIZED XXXX XXXX XXXX TELEPHONE NUMBERS NOT RECOGNIZED XXXX, XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was approved for a loan modification in XX/XX/XXXX ( due to XXXX related income deficit ), and was approached by a lawyer to sign the paperwork, however I had a question about the proposed plan and I attempted to be in touch with the bank however the only option was through calling XXXX number and was provided with a generic answer and advised to wait for a call back from the senior team, which never occurred. The deadline had passed before I was able to sign due to unclarity on the offer, and while was reassured by the customer service I will be contacted by a senior officer from the bank, which never occurred so I had to call the XXXX number again and was instructed to file a new application which I did however that application was declined in XXXX ( after waiting for 6 months ), so applied again in XXXX and was just informed it was declined in XX/XX/XXXX. I am only asking the plan that was approved in XX/XX/XXXX being considered, but again tried calling the bank and was bouncing around by the XXXX number agents, and despite asking for a supervisor to call many time they have not called except for one time XX/XX/XXXX when they asked me to apply again. I am attaching a copy of the bank 's letters for each of those responses. The repeated miscommunications from the customer service team of the bank with no physical branches has been very challenging, and added a significant additional burden throughout this very stressful process without knowing the fate for our only residence, and while enduring financial difficulty.
Product: Checking or savings account

I had been in communication with customer service reps with Simple Banking over these issues with my shared checking account which began with not having the amounts credited to my account after I placed a sum aside in the expense category feature they had in the Simple app and then transferred it to a goal. It did not make its way to that goal and become my available balance! It was {$630.00} I believe, and this happened in XX/XX/2018. I spent months upon months going back and forth with them which turned into over a year until they were taken over by BBVA and my complaints are gone now along with any hope of a resolution! Soon PNC will be taking over BBVA as well! I have already been charged close to {$300.00} with BBVA since they started managing my old Simple accounts and the transaction records they have are incomplete and displaying inaccuracies of the account balance then charging outrageous fees for insufficient funds which is not correct! Also I continually have problems logging into the online banking platform for weeks at a time with complications with passwords and secured online access that I cant even manage my money anymore! I want those fees reversed because they should never have been administered to begin with while they mismanaged the transactions thereby creating insufficient funds during the times they chose to make or accept certain ACH payments and transfers all in order to benefit from the fees charged to my account! Simple basically stole over {$600.00} from my account before BBVA came to claim nearly {$300.00} in excess fees so thats almost {$1000.00} that was taken from my account in a most nefarious manner. I have screenshots that show my balance one moment as an amount then another the next moment showing a completely different amount yet there are zero transactions on the record to prove that there was a reason for the changing sums! There was something going on with their expense and goal features in the Simple App that essentially depleted my funds by utilizing them as I was instructed to do so to help me budget better but ending up just making my budget worse off than before! There is clearly something amiss here and it can be seen by the many screenshots Ive taken over the months that show conflicting information relating to the obvious misappropriation of my account balance while Simple was the financial institution mainly used to pay certain bills ; This having ended up costing me even more with those merchants due to several returned payments and late charges after they mishandled the automatic payments each month towards the acquisition by BBVA.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX. Since then the account has reportedly been updated as payment. A charge off account should not include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account rights. I am demanding a deletion of the following account. 
Account Name : XXXX Account XXXX
Product: Debt collection

I had a few accounts open and git behind on some payments. The companies that are contacting me about the payment, I never signed up for or agrees to pay them anything. I get repeating calls, text messages, and emails, reporting to the credit bureaus. Credit collection services is the name of the company and I don't know the name of the other companies.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report late payments on the account listed as XXXX XXXX. 

Transunion is reporting late payments in the XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments are not accurate and can not report XXXX different ways. Furthermore you have provided me with no evidence that proves you did a reasonable investigation into my concerns. Provide me with the documents you used to determine I was indeed late.
Product: Debt collection

On XX/XX/24 at XXXX I received a voicemail from XXXX stating it was XXXX XXXX with XXXX ( our local school system ) needing us to call him back. I attempted to find a XXXX XXXX in the school system directory and could not so I searched the phone number and discovered it belongs to One Way Recovery Solutions Debt Collection. I believe this company is purposefully and fraudulently representing themselves in violation of law and policies in place to protect consumers.
Product: Debt collection

Today I spoke with 2 individuals ( one named XXXX ) at CPS- Credit Protection Services , but I called back after hanging up on the first young lady as she was rude. I was informed that they could not send me another statement for services that they billed me for in XXXX. I'm not certain how a company is calling to collect on a debt that they are not willing to redisclose information on to the owing party but this practice is extremely alarming and frustrating. I was told I would have to write them to request a statement, something that is also alarming. I will not be paying anything nor requesting a bill for services they claim I had.
Product: Debt collection

Which of these best describes your issue? 
Did not receive notice of right to disputeDescribe what happened so we can understand the issue ... 

On XXXX XXXX I spoke with XXXX XXXX Banks at American Collection Services with regard to a debt from XXXX. We worked out a settlement amount and I set up payment using my debit card. By XXXX XXXX I noticed the payment was never taken so I called in. The next day XXXX called back and said there was a system error and all of my payment information was lost and he simply did n't know. I set up payment again. This time I thought the settlement was higher but did not want to press the issue so I said fine and gave the checking info from my commercial account. On XX/XX/2015 I called XXXX to re-enroll and was told I still had an outstanding debt and gave the number to XXXX Banks. At this time I could not enroll. I left a message for XXXX Banks yet again. On XX/XX/2015 he called back and this time was very aggressive. I was making the call to work out payment yet again but he only wanted to argue why the last payments did n't process. I continued to say if the calls are recorded simply pull the recording. I just want this resolved as I have initiated every single communication and it has yet to be rectified. I became increasingly frusterated with the dead end conversation and requested a manager. He put on XXXX XXXX who identified himself as the person who handles litigation. I asked if he was an attorney he said, " I take care of asset, garnishments, and litigation ''. I asked if he was an attorney registered with the XXXX he replied, " No just a paralegal '' his tone then changed. We XXXX agreed that the communication was poor and when we began to speak of settlement he said he did not see XXXX and could not offer XXXX. I explained that I had an email XX/XX/2015 that shows a settlement offer that they failed to take twice and asked him to pull the recordings and the email. He stated that I would have to have legal injunction to access any recordings of the calls and if I filed a complaint it was no big deal because it is a simple form he fills out to answer and the complaints are not taken seriously anyways. If I did not like paying him I could contact XXXX directly. I am hesitant to pay a company that offers a settlement and loses my payment information, then charges more, fails to take the money a second time, and NEVER even once attempts to make contact. I have never received an initial dunning notice by mail only a settlement offer by email. I am now in a situation where I can not enroll back into my MPA due to this companies inability to process payment despite my repeated attempts. XXXX made a point to say any complaints that come through he will simply use a form add names to the blanks and mark it as frivolous. Please I encourage management and the CFPB to pull call recordings. Clearly this company and its staff have very little regard for the CFPB and do not take its authority seriously. I simply wanted to pay a bill. At this time I have made contact with XXXX in hopes they will be able to process a payment.
Product: Student loan

Navient is either completely incompetent or blatantly dishonest. 

I have two sets of loans with them : 1 ) an old spousal consolidation loan from early XXXX 's ( we divorced in XXXX ) ; 2 ) a personal ( i.e. NOT A SPOUSAL LOAN ) from a couple years ago that was taken out in its entirety when I was SINGLE almost 10 years after I had been divorced. I have an IBR plan on my personal loan ONLY that I am trying to re-certify.

Navient keeps sending me letters saying that they need my spouse 's proof of income to process re-certification of my personal loan. This is WRONG and they are either idiots or crooks, and I am  tired of going through this with them every year. This is not a new application for a repayment plan - I am only trying to re-certify an ALREADY APPROVED IBR PLAN!! My ex-wife from 10 years ago has nothing to do with it, and I am not going to give them her income information. They have my tax returns they just need to do their jobs and re-certify. 

I have called Navient customer support 4 times ( this year, last year when I was trying to get the application approved it took a dozen phone calls and threat of a lawsuit ). Each time the CSR gives me a completely different excuse about what went wrong and a completely different action I need to take to resolve it. So far XXXX on XXXX at XXXX PST, XXXX XXXX XXXX at XXXX PST, XXXX on XXXX at XXXX XXXX XXXX PST and XXXX on XXXX at XXXX PST have all told me different things, have all offered erroneous solutions, and have not a single one of them actually done anything to resolve the issue. 

So I 'll close as I began ... Navient is either completely incompetent or blatantly dishonest.
Product: Debt collection

This company claiming to be First Recovery contacted my ex-mother-in-law saying I owed a debt and gave her a claim number. I looked up this company and found that these are scammers trying to collect money. First Recovery is actually a health care company yet these people are portraying themselves as a debt collection agency.
Product: Credit card or prepaid card

In XX/XX/2022 I set up the auto pay function for my credit card. Unknown to me they did not debit my account in XXXX and waited until XXXX to debit my account. Auto pay was set up in time for the payments to start in XXXX. Since XXXX they have charged my account a XXXX late fee every month. The card balance on my statement from XXXX was XXXX. I called and spoke with a XXXX named XXXX- all of the late fees were supposed to be removed from my account, but this has not happened. I have spoken to several other people and have requested callbacks from a XXXX or someone in a position that can help get this sorted out. As of today I have had no luck in getting this resolved.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report the failure of financial institution and the involved credit reporting agencies to adequately investigate and resolve disputes regarding unauthorized and unknown accounts and transactions reported to my credit report. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693.

Specific Issues : 1. Unauthorized Accounts : I have identified multiple accounts placed under my name that I did not open or authorize. Despite submitting disputes with supporting evidence, these accounts remain on my credit report.

2. Deleted Accounts Reinserted Without Notification : Accounts that were previously deleted after dispute resolution have been reinserted into my credit file without my knowledge or the required notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Failure to Remove Unauthorized Entries : Several accounts and transactions I reported as unauthorized have not been removed, and the credit reporting agencies have failed to provide adequate explanations or verify the accuracy of the disputed information. 

These inaccuracies have caused significant harm to my credit standing and financial well-being. Despite my efforts to resolve these issues through direct communication with the credit reporting agencies and financial institutions involved, I have been met with dismissal and insufficient investigation. 

Relevant Laws : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires that credit reporting agencies notify consumers within five business days if previously deleted information is reinserted into their credit file. I did not receive any such notice.

15 U.S.C. 1681c-2 : Mandates the blocking or removal of information resulting from identity theft or unauthorized accounts upon receipt of appropriate documentation.

15 U.S.C. 1693f : Provides protections for consumers disputing errors in electronic fund transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( Equifax ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX
Product: Credit card

Applied for the AMEX Hilton Honors Surpass card in early XXXX with a Welcome Bonus offer of XXXX Points + 1 Free Night Credit after spending {$2000.00} within 3 months. I met the {$2000.00} spending limit XX/XX/XXXX. After a few weeks gone by I did not see the welcome bonus applied to my Hilton account, I gave a call to AMEX for inquiry. I was given the short answer that their policy that it can take up to 8 - 12 weeks. I ask them why other people I know that applied around the same time frame have received theirs already and their answer is they don't know. After waiting several weeks and not receiving the bonus, I call to inquire again and got the same response. 12 weeks have since passed and so I call to inquire again, the rep agree that I have met the requirement but don't know why and open an escalation ticket. However, I must wait another 14 days to get a response. Anxiously, I waited 7 days and decided i'll chat with AMEX agent to check progress. Agent says she saw that an escalation ticket was open and it can take 90 days for them to resolve. So it seems an 8 - 12 weeks policy doesn't apply to everyone and after 12 weeks it can potentially take another 90 days if they do intend to resolve it at all. I am at a lost!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Recovery Group. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Product: Credit card or prepaid card

Representative XXXX ( ID # XXXX ) provided me false information in regards to my account. Failed to transfer me or my request to the executive office. Failed to provide an appropriate resolution to the problem with my account. Failed to protect the privacy of my account and my account details.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect, and I do not owe this amount. Please investigate and remove the incorrect balance from my report. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXX XXXX XXXX XXXX. 
Inaccurate Information : The balance reported is not owed. Please investigate and remove the incorrect balance. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXX XXXX  Account Number : Ending in XXXX Inaccurate Information : The reported balance and payment history are incorrect. The balance is not accurate, and the payment history is incomplete. Please correct the balance and update the payment history to reflect accurate information. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect and is not owed. Please investigate and update the account to show the accurate balance. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 


These accounts violate FCRA Section 605 ( c ) [ 15 U.S.C 1681c ], FDCPA 807 [ 15 USC 1962e ] ; FDCPA ), 15 USC 16921692p.