23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I received a letter from my CURRENT mortgage bank -XXXX  XXXX  that my loan servicing had been transferred : Details provided : XXXX would no longer accept payments for my mortgage as of XX/XX/2021. 
New Servicer SunTrust now Truist I should expect correspondence from my new Servicer-set up payments with new Servicer. 
THE LETTER FROM XXXX  STATES THAT A 60 DAY GRACE PERIOD FOLLOWING THE EFFECTIVE DATE OF THE TRANSFER OF THE LOAN SERVICING NO LATE PAYMENTS OR LATE FEES WOULD BE ASSESSED BY THE NEW SERVICER OR REPORTED TO THE CREDIT BUREAUS. 

As of XX/XX/2021 I did not have any welcome letter or account information. By XX/XX/XXXX I was worried. I called the number provided by XXXX. 
A pre recorded message stated that if your loan has been transferred to SunTrust NO ACTION is needed, SunTrust would be sending out information including account number etc. after XX/XX/XXXX. 

Today XX/XX/2021 I received A THREATENING EMAIL FROM SUNTRUST STATING I HAD NOT MADE MY XX/XX/XXXX PAYMENT AND THAT IF I DID NOT MAKE IT BY XX/XX/XXXX I WOULD INCUR LATE FEES. 
AS OF TODAY THE EMAIL IS THE ONLY CORRESPONDANCE I HAVE RECEIVED FROM SUNTRUST. see COPY OF THE EMAIL I RECEIVED BELOW-HOW CAN SUNTRUST BE THREATENING ME WITH LATE FEES WHEN I DONT HAVE AN ACCOUNT NUMBER TO EVEN CALL AND MAKE A PAYMENT OR SET UP AN ON LINE ACCOUNT, Dear SunTrust Client, This is a friendly reminder that a payment of {$2600.00} for your mortgage account ending in XXXX was due on XX/XX/2021. If you have already made your payment, please disregard this message. 

To make your payment, please sign in to Online Banking at suntrust.com or our Mobile Banking application. To avoid a late fee, please ensure payment is received by XX/XX/2021. 

We're here for you. If you are experiencing difficulties that are affecting your ability to make timely payments, please call our Client Services Department at ( XXXX ) XXXX, Monday through Friday XXXX XXXX to XXXX XXXX, Saturday XXXX XXXX to XXXX XXXX, ET. 

Thank you for being a valued SunTrust client.
Product: Checking or savings account

Capital One XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Have override my wishes to avoid fees I specifically ask that if there are no available funds do not allow the charges to go through. They did not the allowed charges to go through then charge over daft fees and insufficient funds fees totaling $ XXXX with in there systems Hereby pressure me to pay fees for account I did not authorize now the have place that on my credit report at XXXX {$730.00}. On their website. Capital one bank refuse clear the {$370.00}. The manager at the branch refuse to me. XXXX XXXX., I never felt so violated in my entire life. 
I have filed a complaint with the bank. Complaint # XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 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 a account without my written instructions I did not give anybody written instructions These credit bureaus always validate information and do false investigations These two accounts are fraudulent and are not mine. I have wrote the credit bureau over and over and nothing has been done.

Also these 8 inquiries were not done by me!! 
I have the police report number
Product: Debt collection

DUE PORTFOLIO SERVICING due refusal to disclosed XXXX AS TRUSTEE ADDRESS on Account # XXXX, Property : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Select Portfolio Servicing falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XX/XX/XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ref. : Select Portfolio Servicing Acc # XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO DISCLOSE XXXX AS TRUSTEE HEADQUARTER ADDRESS AND ITS CEO OR AGENTS The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request Select Portfolio Servicing, Inc., to produce/disclose the following information : 1. Release XXXX AS TRUSTEE Headquarter Address of the Mortgage Acc # XXXX. 
2. Release XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX on XX/XX/XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX XXXX XXXX to XXXX XXXX XXXX or any other institution, previous of the purported one recorded on XX/XX/XXXX by crooked and disbarred lawyer XXXX XXXX and XXXX XXXX XXXX. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

I am having a problem with the current holder of my mortgage loan, Seterus Loan Servicing. I have dealt with rude customer service agents who refuse to look at my current financial situation or assign a designated contact to work with me. My loan is a government Fannie Mae loan and I know that there are some new programs available for homeowners like me who are struggling. I bought my home in XXXX and my loan was transferred to XXXX. I dutifully made my monthly payment until the recession hit and I lost my job after 16 years with the same company. I had issues trying to get set up for unemployment and after my savings were depleted I fell behind. Once I found work again I tried to engage with XXXX ( who now held the loan ) but they would not work with me unless I got caught up on the payments -- but I was too far behind at that point. 

I finally got some traction in XXXX when the loan was transferred to Seterus and went through a review for a modification and was approved. The problem was that my payment went up nearly {$400.00} a month and my interest rate was 5.5 %. I was scared this was all I would ever receive from them so I accepted the offer and paid on it for as long as I could until it just did not work anymore. Since that time I have repeatedly tried to re-engage Seterus but have made no progress. I just heard about some new Fannie Mae modification programs that have been started and I believe that I fit into the rules for these programs. I have attempted to get Seterus to review me for these programs but continue to get poor customer service and deal with disinterested and rude agents. I do not think this is a good way to run a company and want to file a complaint against Seterus.
Product: Debt collection

On XX/XX/2022, I received a letter in the mail from Convergent Outsourcing , Inc. in XXXX, XXXX, stating that I owed {$140.00} to XXXX, and after their failed attempts to collect, Convergent was now collecting my debt. I contacted Convergent and a representative told me I owed the debt and began to ask for personal information from me, specifically my XXXX account number ( former ) and my personal pin for that account. I ended the call without giving that information. I spoke to XXXX three times over the remainder of XXXX and confirmed when I closed my account with them in XXXX, I had no balance, and they have no communications trying to collect any amount from me ever. I submitted a formal request to dispute the debt with Convergent. A week after that, today, I called Convergent to confirm they received my dispute request. At that time they said they did and they had cancelled my debt and nothing further was needed. This appears to be a fraudulent attempt to collect money.
Product: Credit card

Around XX/XX/year>, discover locked my card for absolutely no reason. I even called in ahead of time to let them know about a purchase. I have been with them for two months and the moment I use my card, they want to lock it. So I called in and they told me they couldn't send me a XXXX and lied and said my phone number isn't in their system yet when I have been a customer for two months already, so why would it not be. They also wanted to force me to XXXX verification which at the time I could not do because the camera on my phone was broken. I also asked the rep questions about the selfie and why it's not in the policy when signing up for a discover card, The rep didn't have XXXX an answer for me. I also asked is my biometric data going to be stored, the rep lied and said No the data will be deleted, but when I got my friend 's phone to do the selfie verification, It took me to a third party and that third party stated in their policy that they will store my face for 7 years. I don't know how this is legal for a company to lie to customers on a recorded line, I also recorded the call, so I have proof of this. I still did the selfie as I had no choice, but then discover did the worst thing to me. The rep told me I'm verified and my selfie and identification was accepted, but unfortunately they have to send me a XXXX code and the system is not allowing it. So then why force me to do a selfie and lie to me again and tell me I will be good to go after that and my card will be unlocked!? This has to be illegal for a company to lie and lie and lie and put a customer though so much stress for no reason at all. Then the rep said I will have to do Notary, i don't have time for this. This is so messed up and has caused me a lot of stress and emotional damage because I was supposed to pay an XXXX seller and I already sent him an offer that was accepted. So because of that my account could take a strike and face fees, as I couldn't pay the seller. Discover put me in a terrible situation and I don't want to waste anymore time going to get a notary done, just to be lied to again. I want my card either unlocked or I don't want to do business with discover EVER again. I will want to have the hard inquiry I received from discover removed from my credit report aswell.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Capital One did a HARD INQUIRY on all 3 Credit Reporting Services XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 

I have NEVER had a Capital One credit card or loan. I have NEVER had any contact with Capital One before or on XX/XX/. I DO NOT WANT to do Business with Capital One EVER!!! 

I did call Capital One & they told me to do an investigation but also would not tell me how they got my SS # to pull my credit without my Concent. 

I want this REMOVED from my 3 Credit Reports & Capital One should be SUED for illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX my credit union, XXXX XXXX, notified me that they no longer wished to do business with me and that they were closing my accounts. I had a checking, savings, credit card with {$500.00} limit and a line of credit for {$1000.00}. I asked them how i was going to pay my loans off if they were closing access to my online accounts. They said not to worry about it and that they would take of the loans, and they didn't want to have anything to do with me. They made me sign a contract about the loans being paid off by them if I agreed to never seek to do business with them again. They denied me any way to pay off the loans and then 3 years later in XX/XX/XXXX they report my loans as being charged off, leaving 2 big red C-Os on my credit file. I contacted XXXX XXXX in XX/XX/XXXX about the problem and asked them to fairly report what happened. They failed to do so instead they moved the charge off date to XX/XX/XXXX.

XXXX XXXX XXXX is the party that ended the banking relationship with full knowledge that I owed on 2 loans, they denied me access online to pay my loans off. I tried in good faith to pay the debt.
Product: Credit reporting or other personal consumer reports

Destiny credit card ran an inquiry I did not consent to. The parent company Concora credit previously ran an unauthorized check earlier this month under their brand Milestone. I feel this is beyond coincidence and that Concora credit has had a data breach and is not protecting the publics information they are privy to.
Product: Credit reporting or other personal consumer reports

In Accordance to The Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account : 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 15 USC 1681 section 602 A States I have the right of privacy.

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint ( XXXX ) that Experian did not respond to my dispute within 30 days and wanted this incorrect information removed from my credit report. Their response to the CFPB complaint was a complete lie. They stated that they could not identify if it was me disputing the information. I know this to be false since I included a copy of my drivers license and social security card in the same envelope as the disputed information. I also signed every single page of the dispute and included my social security number in written form along with typed. The return information on the envelope was the same address that is on my credit report. This was an attempt by them to circumvent the legal 30 day response time they failed to meet and I want them to provide proof of what they received along with the incorrect information to be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the Identity theft report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report. I reported the theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete as soon as possible.
Product: Debt collection

Midland Funding claims they own the debt but repeated requests to provide proof they own it have resulted in no response. 
This company has also re-aged the debt on my credit reports of all three bureaus.
Product: Checking or savings account

On Sunday, XXXX XXXX at XXXX I received a notification on my phone from my Chime app with an unauthorized charge of {$100.00} from XXXX XXXX XXXX. When I received this charge I was currently getting off the bus walking to my job. I waited for the purchase to process before attempting to disputed the transaction. When the charge of XXXX posted on my account on Wednesday XXXX XXXX I attempted to dispute the transaction on my own the only option was for them to cancel my card and send me a new one. I did not choose that option at first because Chime debit card is my primary card. I then called into chime on Wednesday XXXX XXXX to explain my there was an unauthorized charge place on my card and I would like to file a dispute. The representative explained to me he would be able to file the dispute but he would also have to cancel my current debit card. I explained to how Chime is currently my primary debit card. The representative assured me it would come quick and I will also have a temporary card I can use. I agreed and filed my claim and canceled my card. A few hour later I received a email stating I was declined for my credit for the {$100.00}. I called back into Chime customer service and spoke with someone else. They told me I could do a rebuttal for my claim and add any information to support my claim. I stated to them I was at work at the timing of the transaction. I do not have anything to sow for that purchase. They helped me put in another rebuttal and again within a hour I was denied again. I have provide Chime with a video and photo of my work schedule for the entire month of XXXX showing them I was clocked in at the timing of the purchase and they declined me. They keep telling me to do rebuttal 's I have filed about 5-6 rebuttal 's on this charge since XXXX XXXX and within a hour I receive an email telling me they will not change their decision on returning my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please step up and eradicate UNKNOWN XXXX, XXXX XXXX XXXX   XXXX
Product: Student loan

My student loan servicer is Mohela. I have been on an income-based repayment plan, which normally requires income recertification each year. In XXXX of XXXX, President Trump enacted the CARES act and paused all student loan payments, set the interest rate at zero percent, and stopped the requirement for yearly income recertification. This pause was extended several times, but before ultimately being extended the student loan servicers sent out notifications that in preparation for payments to recomence that it we needed to recertify our incomes. Following my student loan servicers instructions I did this and my student loan payment increased from {$640.00} to {$2800.00}. After I did this the pause, was extended yet again and once again the requirement to recertify income was also pushed back to a future date. I repeatedly called and contacte Mohela via hard mail and electronic messages and attempted to deactivate my income disclosure that had resulted in this higher payment. Unfortunately the payment pause ended on payment began in XXXX of XXXX. I paid {$2800.00} each month from XX/XX/XXXX to XXXX of XXXX. Ultimately, my case DID get made and Mohela finally deactivated my income disclosure and my payments then reverted to the proper amount at {$640.00}. After this was done I requested a refund on the difference for the 6 months that I overpaid. I did this over the phone and in electronic messages 4 times total. This was my message to them : I am requesting an update on the progress of my refunds for my overpayments during the following periods : XXXX, XXXX, and XXXX of XXXX XXXX, XXXX, and XXXX of XXXX I paid {$2800.00} for each of these months, and the payments should've been {$640.00}. So I am due 6 refunds of {$2200.00} for a total of {$13000.00}. 

This was their response : Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. As of this writing our records indicate a refund could not be processed because the bill was satisfied which will cause delinquency on your account. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX. to XXXX XXXX., Tuesday and Wednesday XXXX XXXX. to XXXX XXXX., Thursday and Friday XXXX XXXX. to XXXX XXXX XXXX 
Thank you, MOHELA They have refused to refund me for these months that I have overpaid because they say " too bad that was the bill and you paid it and if we refund you, you're account would be delinquent. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I enrolled into a repayment program with the company XXXX. Beginning on XXXX, and continuing on XXXX, and XXXX, monthly credit card payments were deducted from MY bank account towards my balance with XXXX. 

I was told that after my last payment on XXXX that my account would be made " current '' on their end internally, and that I would receive a new statement, and updated balance to be paid in XX/XX/XXXX. I was also told that my account wouldn't be considered late, or reported to any CREDIT REPORTING AGENICES, as I was making the agreed upon payments. 

In XXXX I began receiving " account past due '' phone calls, letters and emails ; despite having made 2 payments at that point. I contacted XXXX, and was told that this was an error on their end, and that it would be corrected, and my account was not being reported as being delinquent, on either their end or with the credit agencies. 

Two days ago, on Saturday XX/XX/XXXX, I received notice in the mail stating that my account was more than 60 days past due, and after checking my CREDIT REPORT, I noticed that XXXX had reported me for nonpayment. I spoke with XXXX again, today, XX/XX/XXXX, and was told that my account will be update by mid-month, but that the customer service representative I spoke to couldn't correct the INCORRECT issue report to the 'Big 3 ' Credit Bureaus. This is what they told me last month, and their incorrect, and deceptive practices are effecting, i.e., lowering my credit score.