23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I reached out to Lakeview Loan Servicing , LLC to request a streamline refinance loan. I spoke to XXXX XXXX. At XXXX CST XXXX followed up via email with the application to complete the streamline refinance process. On XX/XX/XXXX the requested documents were uploaded to the portal we were assigned. On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX was assigned as a loan processor. XXXX XXXX reached out via email XX/XX/XXXX at XXXX CST introducing herself and mentioned she is working with XXXX XXXX XXXX She asked for a new utility bill stating the bill I uploaded did not have the correct address. This was incorrect as I have proof of the original water utility bill I uploaded into their portal is my utility bill for my address. I called her that afternoon and was unable to reach her so I spoke with her colleague who looked up the utility bill and stated " this bill is correct and does match your address '' the lady said she took notes on the account. I called back in after hanging up with XXXX 's colleague and left a voicemail for her. Since XX/XX/XXXX until XX/XX/XXXX we have not heard from XXXX XXXX, XXXX XXXX nor anyone from the company on our status of our closing. Throughout this timeframe, I called multiple times as well as my wife from her phone and never have been connected to XXXX XXXX but were connected to others in the organization who's response was they are not assigned to our loan so they can not help us but they took our information and said they would have XXXX XXXX or her manager reach out to us. No response. Also, multiple emails were sent from my wife 's email and mine to XXXX XXXX with no response. On XX/XX/XXXX, my wife finally got in touch with XXXX XXXX who tried to apologize and stated the utility bill that we uploaded was correct and valid, he recommended uploading the latest utility bill since it had been 30 days already, which my wife uploaded to the portal while on the phone with XXXX XXXX. XXXX then stated he was going to make three phone calls and call us back in a few minutes. Since that conversation, I have not received any communications phone nor email from anyone. Today, XX/XX/XXXX I've called XXXX XXXX 4 times, spoke to his collegeue who gave me XXXX 's managers contact information XXXX XXXX who I called twice and left 1 voicemail. I also emailed XXXX XXXX XX/XX/XXXX as well. This is not only irritating but is causing me to continue to pay a higher interest rate due to their inability to pick up a phone or communicate with their client. I continue to pay my mortgage on time and have never been late.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

I am trying to transfer a balance from my Synchrony/Verizon Visa to a XXXX XXXX card to get a better interest rate and Synchrony is refusing to take that payment as a balance transfer.
Product: Credit reporting

I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court. I mailed a letter certified to the whom they advised reported the inaccurate information. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.
Product: Student loan

Nelnet recently put me on the XXXX plan without my knowledge or consent, even though I had repeatedly requested to be on XXXX or XXXX. 

I was on XXXX when my account first transferred to Nelnet, as the attached communications clearly show. Nelnet eventually said that I did not qualify for XXXX, but I had been clear in my emails that I wanted to be on XXXX or XXXX, and even requested before the application had processed that I wanted to be SAVE instead. 

Nelnet has tried to say that they merely returned me to the XXXX plan, but this is not correct. I have ample evidence that I was on XXXX before the request to move to XXXX. Nelnet should have returned me to XXXX 

I should not have to make a payment or have my interest capitalized because Nelnet has made an administrative error.
Product: Credit reporting or other personal consumer reports

I can not access my report from Transunion
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 {$14.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX {$780.00} XX/XX/XXXX XXXX  XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX {$2500.00} XX/XX/XXXX
Product: Debt collection

This company " convergent solutions '' is trying to collect a old debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am asking can XXXX 's remove adverse information off my three consumer credit reports ( Transunion, XXXX, and XXXX ) concerning a one time 30 day late payment in XX/XX/2021. I missed this payment because of then COVID-19 cutbacks on time and staff at my place of employment and its has been having a adverse effect on my three consumer credit reports ever since. This one time missed payment is lowering my credit score substantially. In an effort of goodwill I am asking can this adverse information be removed from my three consumer credit reports by XXXX 's. This is the only missed payment on my credit report and my XXXX account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX card is appearing on my credit report but not on the " Personel Finances '' section of my Experian membership. 
I called and a XXXXr named XXXX said I had the wrong information on my credit card. I asked him to hold while I confirmed on my XXXX account that the information was correct. He sounded frustrated and like he wanted to go ... then he hung up on me. I had been on the phone for about XXXX an hour before I finally was able to get a supervisor. 
He never called back. 
When I opened my profile on the XXXX account, my information was correct. So why is it now showing on my finances section? 
I tried to " Connect '' the account manually but the experian system does not recognize XXXX ... the bank for XXXX cards.
Product: Checking or savings account

On XX/XX/19 I made an error that has now caused my funds deposited on XX/XX/19 to be frozen for 10 days. 

I inadvertently transferred money from one account to another, only problem is I to the to and from backwards. As soon as I hit the OK button I realized what I had done. I called Wells Fargo to see what my options were. 

My options were to put a {$31.00} stop payment on the transfer, which didn't make sense because I don't have {$31.00} to spare. Well the XXXX transfer out of my checking from the other account hit so I called to see if we could do an {$18.00} reversal, it was an error on my part, however ; it happened. 

This error has sense caused my checking account to accrue 6 or more overdrafts which now Wells Fargo put a 10 day hold on a deposit that I depend on to pay my bills, get medications, doctors appointments. 

I have explained to Wells Fargo that I am XXXX, do XXXX to try and offset some of my expenses until Social Security makes their decision. 

I have set a lot of bills to be paid automtically, hence the Overdrafts. Once I received the email that they were holding my funds. I called and explained to them I am XXXX and need those funds for XXXX purposes and Bills. 

Being continually penalized {$32.00} for bills that I have set to pay automatically, while the money is there I find ridiculous. 

They have told me once the hold comes off they can give me partial credit for the overdrafts. That is not going to help someone is XXXX and unable to make a living.
Product: Debt collection

I was contacted by FAIR COLLECTIONS & OUT, they stated that I owed {$330.00} to XXXX XXXX XXXX   after I moved out 2 years ago. I called the apartment, they said they do not have anything on debt on file. My attorney requested a court order that was never received. I tried to call them, they said they never received the letter from my attorney, but somehow they have attorney 's name on file. 

Address of FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX, MDXXXX P : ( XXXX ) XXXX
Product: Mortgage

DiTech Financial is claiming that we 've missed XXXX payments and are proceeding with foreclosure as of XXXX ... .we have NEVER missed a payment. We have talked to them, went through all our payment history, continue to make payments, we are a nervous wreck and do n't know what to do ... we have all the documentation and proof of payment ...
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumer safety.
Product: Student loan

Ive tried on several occasions to apply for the SAVE plan via MOHELA website at myaccount.mohela.studentaid.gov and by phone, but was not allowed to. As a result, I have accrued interest rates that I can not pay. My loan is increasing because of my inability to apply for the SAVE plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of XXXX XXXX XXXX Transunion Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ny XXXX XXXX PA XXXX I XXXX XXXX, Identify as a Consumer, in Pursuant to 15 usc 1681a ( c ) Natural Person in Pursuant to 15 usc 1681a ( b ) and Original Creditor, in Pursuant to the FCRA, Federal law, which makes me Sovereign in a Sovereign State/ Corporation/ Entity, The States , that President Roosevelt Signed for Bankrupt in 1933.

I intend to fully invoke my Powers as a Consumer and exercise my Federal Protected Rights in Pursuant to the U.S. Code Title15 Chapter 41 On this XXXX day of XX/XX/XXXX, I XXXX XXXX am Lawfully writing the Credit Reporting Agencies Transunion, to demand the removal of the Unauthorized,, Fraudulent, Inaccurate and Erroneous credit inquiries placed on my Report without my written and/or verbal authorization. My Identity has been compromised and my Right to Privacy has been violated in Pursuant to 15 US code 1861 ( a ) 4, and Identity Theft.

There is no Statute of Limitation on fraud. My findings show Fraudulent Activity.

These unfair and deceptive and inaccurate credit reporting methods has undermined the public, which is essential to the continued functionality of the banking system, in Pursuant to, 15 US Code 1681 ( a ) 1, in which, I, the Consumer, give the corporation life in the form of my Credit. 



I dispute the validity and accuracy of these inquiries on MY credit report and demand for them to be removed and deleted from my report immediately. 



I was never notified, I never granted permission, I never authorized for my private information to be furnished by the agencies or the corporations to inquire about my credit worthiness, which is a violation of my Consumer Rights. 



I, XXXX XXXX, the Consumer, of healthy and sound mind, body and soul, can fully represent myself and any Personal, Private information needed can be verified by me, the Original Creditor. Obtaining my Private information without my Granted Permission is a violation of my Federal Consumer Rights, in Pursuant to 15 US Code 1681b Permissible Purpose, and I seek damages for injury Pursuant to 1681n for civil liability for willful noncompliance, in the form of {$1000.00} per violation. My Character has been damaged.

Congress states the agencies ASSUMED their roles in evaluation consumer credit In Pursuant to 15 US Code 1681 ( a ) 4, therefore the Consumer Federal Protection Laws were put in place.

Present to me Proof of any written documents with me giving such authority to furnish my personal information in any instance, Signed and Notarized by your Senior Executive. 

Transunion Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Remove and Delete from my Consumer Credit Report Immediately I dispute the information placed on my report from, XXXX XXXX XXXX  for late, delinquent reported in XXXX, XXXX, XXXX, XXXX. Also XXXX XXXX Disputes for late, delinquent reported XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

The company name is Harris and Harris ltd. The recorded callers name is XXXX XXXX. Caller ID # is XXXX. Call back number left is XXXX. Dozens of pre-recorded messages have been left on my business voice mail. I have contacted them, directly, multiple times, requesting that my phone # be removed and have verified that the person associated with the phone # is unknown to me. They have assured me multiple times that the # would be removed. My last contact with them was XX/XX/XXXX with XXXX XXXX who assured me that it would be escalated to a supervisor and removed. Another msg was left on my business voice mail on XX/XX/XXXX
Product: Debt collection

Received phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller didn't identify himself with any debt collector and said I owe {$510.00} and how would I like to pay. I said I didn't owe anyone and I disconnected the call. 

Received second phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller again didn't identify himself with any debt collector and again asked how I would like to pay {$510.00}. I said if I owed a debt they must send me notification via mail. Caller argued and said I still needed to pay today to take care of this. I disconnected call after caller began to raise voice. 

On XX/XX/2020 I received a letter dated XX/XX/2020 from " XXXX XXXX XXXX '' concerning an owed collection from Capital One in the amount of {$510.00}. I contacted Capital One directly and confirmed I have no accounts in collection and the account number on the letter was not a valid account number.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$120.00} from Creditor : XXXX, has violated my rights.

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 an account without my written instructions.
Product: Mortgage

Freedom Mortgage, XXXX XXXX XXXX XXXX, TX XXXX - Loan # XXXX XX/XX/XXXX, Freedom made premature payment on property insurance after I informed them not to pay because, I had the policy carrier to reduce the annual cost. They overpaid by {$780.00} which the insurance company refunded to me in-turn XX/XX/XXXX ; I paid the {$780.00} back into loan escrow which should cause overage in escrow. Then XX/XX/XXXX Freedom did an Escrow & Interest rate analysis in-turn stated there is escrow shortage as their cause to increase the escrow & interest rate on my mortgage. They established their total monthly amount due which is setup for auto draft from my bank account yet since XXXX, XXXX, XXXX they created " shortage fees '' and informed me that they took it from escrow, yet monthly statement reflects they did not correct their error - and each month have me overpaying while they blame me for their ERROR $ and take more of my money! Atop this, five months later here in XX/XX/XXXX, they did ANOTHER escrow & interest analysis, and they state {$100.00} escrow surplus ( should be greater for I deposited {$780.00} ) and mailed {$100.00} AND WITH NOTICE THAT THEY INCREASED INTEREST RATE AGAIN ( they raised interest rate back in XX/XX/XXXX ). I DEPOSIT THAT {$100.00} BACK INTO THE ESCROW FOR THEY KEEP CREATING ESCROW SHORTAGE - NOW THEY SAY ESCROW OVERAGE AND THE VIOLATION BY LAW CAN ONLY INCREASE THE INTEREST RATE ONCE A YEAR! THEY ARE SCREWING ME OVER WITH FALSE ESCROW SHORTAGE, TAKING MORE MONEY FOR THERE WAS NO SHORTAGE AS THEY ISSUED AN SURPLUSS - THEY BY LAW MUST REDUCE THE INTERESTE RATE! I SEND THEM MESSAGE AND THEY TAKE NO RESPONSIBILITY FOR THEIR ERRORS- THEY MAKE RUSE EXCUSES! I DEMAND REDUCTION IN INTEREST RATE FOR THEY JUST RAISE IT XX/XX/XXXX!!!!
Product: Checking or savings account

Chime had many unauthorized transactions taken from my account amounting in $ XXXX dollars.
Product: Credit card

I made XXXX minimum payments of {$57.00} to my PayPal credit account on XX/XX/XXXX and XXXX both payments were rejected by PayPal because PayPal stated my checking account had insufficient funds therefore the minimum payments could not be made from my checking account. I was shocked to see that the two payments were rejected by PayPal because I have sufficient funds in my checking account. PayPal also charged two returned check fee amounts to my credit account of {$30.00} because the two minimum payments were rejected. I went to my banking institution ( XXXX XXXX XXXX XXXX on XX/XX/XXXX to check my checking account to see why the two payments were rejected because I have sufficient funds in my checking account.The representative at XXXX told me that XXXX would open an investigation to see why the two payments were rejected by PayPal because I have sufficient funds in my checking account. Later that day XXXX emailed me a letter stating that the reason why the two minimum payments were rejected was because PayPal was trying to pull the funds from an account that was not my checking account with XXXX. XXXX told me to contact PayPal and tell them that the minimum payments were rejected because they were trying to take the payments from a checking account that was not listed as mine with XXXX. I contacted PayPal earlier today and stated to a representative that I contacted my bank and they stated that the payments were not pulled from my checking account because PayPal does not have the correct checking account under my name on file. I told PayPal I do not owe a {$86.00} minimum payment on XX/XX/XXXX because PayPal was trying to pull the funds from a checking account that is/was not mine.Plus I want the two returned check fees of {$30.00} credited back to my credit account because they should have not been charged in the first place because PayPal was trying to pull the two minimum payments fees from a checking account that was not mine. PayPal is still trying to say I owe the {$86.00} minimum payment fee when I paid the {$57.00} minimum payment fee on time.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX. They placed my financing with Bridgecrest financial one of their lenders inside the XXXX umberella. The vehicle they sold me had safety issues and failed inspection. XXXX kept saying they would fix it and never reached back out to me. Finally in XXXX after not hearing anything and getting no resolutions I traded the vehicle in at a local dealership in XXXX. The vehicle was paid off via check on XX/XX/XXXX and has not sent the dealership the title or myself any information showing the lien has been satisified. They have only ignored me and made me feel like I was in the wrong for buying a car and financing from them. I need the title to be sent to the dealer and proof that I paid off the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries and, accounts on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 


In accordance with the Fair Credit Reporting act. The List of inquiries and, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 card or prepaid card

I called to cancel flight morning of Sat XX/XX/XXXX -- case XXXX # XXXX -- she clearly said I would receive a credit voucher for the flight to be used a year from original booking date. With that, I altered my plans. 

Monday the XXXX, I receive email that no, nevermind, you don't get anything. 
I called that day or shortly there after to XXXX XXXX # XXXX and she said I was given bad information on XX/XX/XXXX. 

a ) if I knew I wouldn't receive anything after cancellation, I may have kept the flight b ) your website as of writing this XXXX XXXX  Central XX/XX/27 still says I have credit to use, so you are providing conflicting information. even your chat leads me to believe I have a credit. 
c ) you are getting away with no accountability to your mistake. how was I to know you could reject what she told me days later? 

all I ask is to be given correct information or made right if there is a mistake. and an accurate website. 
thank you