23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the XX/XX/XXXX green tree servicing bought out the servicing rights from XXXX XXXX XXXX. The first month and a half were as usual, the people were confused but helpful when I called and asked what happened with the transfer of servicing. I had mailed my XXXX payment with my XXXX payment book statement as we always did. Two weeks later we received a late notice. The notice informed us that the full amount had not been paid, that they had increased our escrow amount to match what they called their policy. they like to keep an extra 6 months on top of the normal escrow amount available. We called and they told us about their escrow policy, two days later we received a letter in the mail detailing their escrow policy. So basically we had the option of our rental propertys loan to go up XXXX a month or pay XXXX. I refused to pay any additional escrow above what was needed. That 's when the phone calls started, a representative named deny called me XXXX times a day, telling me I was not fulfilling my obligation to green tree. Not fulfilling my obligation as a man he once said. One time even sending me to another representative to try to get me to start the short sale process, on my home that in his opinion was way underwater. XXXX which it was but so was everyones ). My argument was I had an agreement with XXXX and they should honor that not vice versa. Still the calls came. finally we did write a check for the additional escrow after three weeks of nonsence, and filed a complaint with green trees management. Two months later I refinanced XXXX. It was worth paying almost XXXX in closing costs to rid ourselves of this bogus XXXX company.
Product: Credit card or prepaid card

I updated my payment profile online to draft my minimum payment from my new bank account. Somehow the payment profile was updated from auto payment of minimum payment due to statement balance. American Express then attempted to charge my account {$21000.00} rather than my usual {$500.00} minimum payment amount. I immediately called them to get it resolved and was told that there was nothing that they could do and to call my bank. I called my bank and was told I could either pay {$30.00} to place a stop payment or allow the account to overdraft or reject the payment. About a week later American Express attempted to draft my account yet again! I immediately called them to see what was happening and this time was told that the system automatically attempts to draw a rejected payment 3 times and that there is nothing that they can do to stop it. I asked for management was placed on hold then told again that there is nothing that they can do to stop it, never getting transferred to a manager. My bank account is now in limbo while American Express keeps trying to charge me an unauthorized amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion website can not process a credit unfreeze, the automated attendant on the phone number continues to error and hang up, and I am unable to unfreeze my credit in order to apply for a time-sensitive credit application. This is service should NEVER be unavailable. My credit report is completely inaccessible to creditors and there is no timeframe for when I will be able to access it.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on WELLS FARGO CARD SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ignorant applications of RESPA statutes to a all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, XXXX and XXXX by XXXX, Nationstar and Mr Cooper.
Product: Debt collection

I contacted the company that was reporting {$120.00} debt on my credit report which is XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX they reported on XX/XX/2022. They said they no longer have my file and law office of Cobb does. At ( XXXX ) XXXX I talked to 2 ladies both hung up on me after stating I dont owe a debt and never have. The last lady name is XXXX. Cant remember the first one. They do have my file. Getting hung up on and not getting any help, I then contact the actual company they are stating I owe. I spoke with XXXX XXXX from XXXX she filed a dispute with them ( Case number XXXX ) Because I Owe XXXX balance! So I put XXXX XXXX from XXXX on 3 way with Cobb again on XX/XX/2022. XXXX confirmed I do not owe the company and there is a mistake. Cobb then took no responsibility in fixing anything and told us both to contact XXXX. I told her why when they dont have my file anymore and said contact you and your previous rep said you do have my debt file! She hung up on the 3 way call ( the day Im suppose to close on a property ) Now as XX/XX/2022 I called XXXX again and they said the same thing they cant do anything and to call Cobb! I did call them again saying I have a dispute number from the company youre representing as debt owed and I dont have a debt please fix this ; please get this removed from my credit report! My credit score was in the XXXX it dropped XXXX points and I found out on the day I was closing on a home! This has caused me so much pain and anguish and I never had the debt to begin with. Law offices of Cobb are extremely rude, and incompetent and should not be allowed to handle debt cases. This ruins peoples livelihood and lives. I do not have debts so this is really hindering my life. Traumatized is the least I can describe!
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding XXXX XXXX applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXXXXXX 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 has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX  XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 

XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 

XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays.
Product: Debt collection

Repeated robocalls from various numbers asking for XXXX XXXX. I 've spoken with live operators to notify that the person they 're calling is not at this number and have asked my number to be removed several times, but I still receive these calls. They claim they are debt collectors calling on behalf of XXXX XXXX.
Product: Debt collection

I paid this bill through XXXX  XXXX XXXX on XX/XX/2019 in the correct amount of {$140.00}. I have the emails and proof payment was made. 

Debt collector states {$140.00} and is saying the wrong amount. I have never been contacted by this MRS Company. I recently started a new XXXX account due to a move in XXXX and she reviewed my previous account and EVERYTHING was paid and to date. She opened the new account with no deposits or fees necessary. Thus, I would not have been allowed to open a new account if I still owed money. 

I have everything needed to prove this was paid in full and that this collection person never even attempted to contact me and I DO NOT OWE IT
Product: Money transfer, virtual currency, or money service

I leased tires from Acima Credit. The tires were fitted but were the wrong size. The installer stretched the tires on my wheels to make them fit instead of getting the correct size. This causes tires to wear faster. As a result I chose to end the lease and return the property. I was told by Acima to send photos of the tires and I did just that. I was told that Acima did not have a collection site in my area and to donate the tires to a thrift store and send the receipt to Acima. No non profit in my area accepted the tires because of wear and they can't sell them like that. I have emails asking Acima for an address to one of their collection sites and I  would be more than happy to ship them. I was told that's unacceptable. Also Acima shared my account information with a family member that claimed I was deceased. That wasn't true at all as I was unable to answer my phone due to out of town work. They didn't have my permission to speak to anyone concerning this matter.
Product: Vehicle loan or lease

I have tried contacting Santander consumer usa multiple times regarding my loan. They are charging me the max interest rate on my car loan. It is making it almost impossible to pay this car off. Its absolutely unfair that they are legally allowed to do this to people. 25 % interest on a XXXX car loan is robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I have sent a request to XXXX XXXX asking that the account be closed immediately. I also request that XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
I've attached a copy of the Internet Crime Report form that I completed on this matter. 
When I called the phone number ( XXXX ) that is printed all over the XXXX XXXX XXXX bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( 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 ; accounts : 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
Product: Credit reporting or other personal consumer reports

regarding a charge-off. The account in question is listed as follows : Creditor Name : [ Name of Creditor or Lender ] Account Number : [ Account Number ] Date of Charge-Off : [ Date of Charge-Off ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter
Product: Debt collection

I  have sent Midland Funding  letters on different occasions. The dates are as follow  XXXX   XXXX   XXXX  ,   XXXX   and they are claiming I owe {$590.00}. I keep asking them to provide me with a contract with my signature on it and they clearly have n't but yet keep claiming the account is verified..
Product: Checking or savings account

On XX/XX/XXXX, I noticed that I was unable to log in to my Barclays accounts. I waited on the phone for over an hour before being told that this was a technical issue on Barclay 's end. I then called back Thursday, Friday, Saturday, and most recently today, Monday XX/XX/year> to try to get this rectified. I can not access any of my funds online or using a mobile app. The wait time is longer than 40 minutes to receive assistance. I was assured this would be fixed no later than XX/XX/XXXX, and it has still not been fixed, and I am still unable to access any of my funds to pay bills or make transfers. If you call Barclays, they acknowledge that there is an issue with accessing accounts on their pre-recording, so this is clearly an issue affecting more than just me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX XXXX on my credit report. Please find the attached copy of my credit report with the relevant account highlighted for reference. This account contains multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically : Violations of the FCRA 1. Inaccurate Account Status : o The account is listed as " open, '' but it has been closed and is in collections. This misrepresentation violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy in reporting.

2. Inaccurate Past Due Balance : o The account reflects a past due balance, which is incorrect for an account that has been charged off and sent to collections. This reporting is inaccurate and unfairly impacts my creditworthiness.

Actions Requested Under 15 U.S.C. 1681i, I request that all XXXX credit bureaus XXXX. Investigate the inaccuracies related to the account status and past due balance. 
XXXX. Remove the inaccurate information. 
XXXX. Provide a written response detailing the outcome of your investigation within the required 30 days. 
Supporting Documentation I have attached the following for your review : XXXX. A highlighted copy of my credit report showing the inaccuracies. 
XXXX. Relevant correspondence/documents to verify my claims, if applicable. 
Legal Obligation If the furnisher of information can not verify the accuracy of the account, the disputed information must be removed per 15 U.S.C. 1681s-2. Failure to address these inaccuracies promptly could result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 
I appreciate your attention to this matter and look forward to receiving confirmation of the resolution within the statutory timeframe. 
Sincerely, XXXX XXXX
Product: Student loan

I had applied for the loan to complete a XXXX program XXXX at XXXX University XXXX changed names to XXXX XXXX University, XXXX, Wyoming, XXXX. The school closed in XXXX XXXX. I went to withdrawal in XXXX XXXX but decided because I had already paid for my degree that I no longer wish to withdrawal. I received an email stating that I was withdrawan and when I asked to be reinstated they told me The University 's Board of Trustees decided last week to not enroll Inactive students and to focus the University 's resources on current, Active students. I reported them and tried to be reinstated to find out they were a complete fraud. In order to attend the school you had to pay for your degree up front in full. In order for me to do this they provide student aid services which sent me to XXXX XXXX XXXX now Navient XXXX to fund my school loan. They did and I paid for my schooling up front, which should have caught my attention, but I have been paying on this loan since XXXX for a degree I was never allowed to finish, would n't have been valid, have paid thousands out of my pocket and now I 'm still in debt thanks to this. I was n't informed of any lawsuits that were filed against the school to help some of us get our money back. Unfortuniately for me because it was n't a federal loan I do n't qualify for a discharge and I have tried talking to my loan servicer about this and I get no responses from them. I am just trying not to pay for something I did n't get. If it was a credit card or checking account I could dispute the charge but this loan there is no one to help me dispute it. The school was a fraud and this loan was paid to them. Why should I pay for something that was a fraud.
Product: Mortgage

I forgot to attached the PDF Forms to my dispute to the response given by Nationstar Mortgage to my complaint case # XXXX. The PDF referenced RMA Forms. The RMA Form Nationstar sent me to fill out is fake. Is a fake Form to deceive me to request for assistance I did not ask for. So I am going to attach the REAL FORM AND THE FAKE FORM here. Pay attention to page 2. These attachments are for Nationstar Mortgage PLC. Thanks
Product: Vehicle loan or lease

I purchase a used car at a used car lot. Santander Consumer USA was the only agency that would lend me the amount I needed XXXXXXXXat 25 % interest. Once I got on my feet and able to make the necessary payments which I did I needed to refinance the loan. they say they do not allow refinancing. 7 years later after making all my payments I still owed XXXX XXXX. I finally went to XXXX XXXX who accepted the trade in of my XXXX XXXX XXXX with XXXX miles on it for XXXX XXXX Santander is a predatory lending company and took advantage of me and my situation to make a profit. I have paid XXXX XXXX for that car over the last 7 years. I am finally out from under the car. Thank XXXX. What a mess! I have heard about all the class action lawsuits. I should of been a part of them. How do I go about getting some of the money back for the predatory lending and the harassing collection calls when I did fall behind? 

They also front loaded the interest which kept my balance owed extremely high.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and final demand for the immediate removal of unauthorized hard inquiries from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). These inquiries were neither initiated nor approved by me, and their presence constitutes a violation of federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

i just got my credit report and some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ) you also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance ACCOUNTS : 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
Product: Checking or savings account

On XX/XX/2022, I was the victim of a scam which started by me replying to an email which was fraudulent. 

I ended up sending a wire transfer of {$97000.00} from my branch bank at Wells Fargo to XXXX in New York. The actual recipient of the transfer was in XXXX. He was an XXXX Account XXXX XXXX XXXX XXXX XXXX 

My complaint is how Wells Fargo has handled this whole thing. Within 30 to 45 minutes after I was at my bank authorizing the wire transfer, I realized I had been scammed. I called Wells Fargo Bank Fraud Department and reported what had happened and told them not to send the money -- that it was a scam. At that point in time, they couldn't tell me if the money had been sent. Part of the scam was that the scammer had access to viewing my screen and getting into my bank accounts. He transferred money from one of my accounts to another in order to cover the wire transfer. I did not know he was seeing my online banking and I did not give him authorization to transfer money from one account to another. 

Since then I have contacted W F B XXXX Department several times, have gone into the bank. I have not been given any correct information about when the wire transfer was actually sent ( date and time. ) I'm not sure what you can do, but friends recommended I make a complaint with you. 

Thank you. 
XXXX
Product: Student loan

XXXX XXXX has charged incorrect interest, has changed its rates from Fixed to Variable rates without full disclosure. Then XXXX XXXX changed its servicing name to Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the XXXX XXXX XXXX XXXX : {$0.00}