23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This started a long time ago when we started struggling financial due to medical situations so we reached out to the mortgage servicer which at the time was GMAC mortgage in which they said they couldn't help us unless we didn't pay our mortgage payment for 3 months so we followed their instructions and applied for a modification in which they started the foreclosure process and we have been in this same fight ever since. After a while GMAC sold the loan to XXXX XXXX and Ocwen became the servicer but this whole time we were trying to work with the servicer to get approved for a modification and looking to resolve the matter. Still with no resolution PHH Mortgage became the servicer in which we submitted modification information several times and the same information and documents several times because the servicer would claim they never received even though there was record of submission of all requested information and documents. There was another sale date set for XX/XX/XXXX but we were in the process of being considered for a loan modification so I called the servicer the morning of the Trustee sale date to confirm the sale was not taking place being we were being considered for a loan modification. Apparently no one was available to speak with me so I said well if I can't get an answer then I am just going to have to go down and file bankruptcy to stop the sale then all of a sudden someone was available. The representative I spoke with was named XXXX and he informed me that the sale was not taking place and the only thing they were missing for the loan modification consideration was a hire date which I had already submitted before so I then asked him to confirm again that the Trustee sale was not taking place that day for our house and he said no it is not taking place and that it is illegal to follow through with the Trustee sale while being considered for a loan modification. Well it turns out they ended up keeping my house in the Trustee sale that day but it didn't sell so it went back to the lender " XXXX XXXX ''. I actually found this out when someone showed up at my house so I immediately called PHH mortgage and they told me no that I must of misunderstood and there was nothing that could be done so I filed a complaint with the details of the situation on a social media site and got a follow up call from XXXX with XXXX XXXX escalations department. She reviewed the complaint and said they would be putting the house back in our name but then a couple days later called me back notifying me that the only way they would put the house back in our name was if we submitted a modification packet and we approved and that we hadn't missed any payments for 12 months. Well when you are in foreclosure the lender doesn't accept monthly payments so basically they had no intention on rectifying the situation and resolving the matter. The house is still not back in our name and there has been no resolution, the house is set to be in a Trustee sale again on XX/XX/XXXX. I feel like XXXX XXXX lies and is very manipulative and will do anything to benefit themselves only.
Product: Credit reporting or other personal consumer reports

Bought a truck from a dealer. Dealer let me know it went through their service department. TRANSMISSION- issue MOTOR- cylinder # 6 Is coded All is misfiring. 
Metal shaving on top of cylinders under spark plugs. 
TRUCK didnt STOP going down. Called company 3 days after driving truck. Bought warranty. Difficult to get warrenty to come engine and transmission due to time of new warranty. Company refused to take back truck unless I buy another truck. I am being held hostage to purchase something that I have no trust in. My credit score is down 200 points and was denied a loan. I want to give this truck back and the loan forgiven.
Product: Mortgage

I had an open account with SLS that required a balloon payment. I contacted the lender to request options for putting that balance on repayment. They told me there were no options. My husband, XXXX, passed away XXXX years ago. I am a XXXX who lives alone on a fixed income. I hoped that the lender would be able to work with me to find a repayment arrangement that would work for both of us, however, they were not willing to provide any options. 
I then went to my local bank to apply for a loan to pay the balloon payment. That loan was approved and disbursed on XXXX XXXX, 2016 with payment sent directly to Specialized Loan Servicing LLC from my local bank ( copy of check is attached ). 
SLS did not process my check until XXXX XXXX, which was two days after the date of the payoff they quoted ( copy of payoff letter attached ). I then received a statement dated XXXX/XXXX/16 requesting a payment due of {$120.00}. I contacted SLS and they insisted I owed the {$120.00}. You will see by the statement attached the balance reflected as of XX/XX/2016 is - {$47.00}. I do n't understand how I could possibly owe them {$120.00} when I have a credit balance. The representative insisted I needed to make the payment. 
Today I am mailing them a check for XXXX days worth of interest from XX/XX/XXXX ( date of payoff quote ) to XX/XX/XXXX, which should clear my account in full. Although I truly do n't believe that it took 23 days for the check to be delivered via US Postal service from XXXX, XXXX to XXXX XXXX, XXXX. Had they processed my check timely, they would have had the payoff significantly prior to XXXX XXXX. 
It appears from my experience, SLS is not in the business to service their customers, but rather to bully them.
Product: Mortgage

My first complaint filed was not resolved I have my complain to Mr. Cooper about my assumption rights-submitted documents they requested them saying didn't get a probate papers advised me to resubmitted the require document to start the assumption process Unlawful While I started assumption process over 6 months ago they still violating the regulation X and the Garn-St law my moving to sell the house even if Im going through the assumption process.

See, all attached.

Which clearly shows while on the same day Cooper Representative saying they are not in violation of the law they moving in court to schedule the sale of the property Case XXXX XXXX XXXX Circuit Court
Product: Credit reporting or other personal consumer reports

Experian is obligated by the Fcra to report accurate accting consumer has advised, all the inquiers reported was fraud, said has 4 days according to LAW to remove such items FTC fraud report was filed on behalf of consumer, consumer is now requesting Experin to provide documention used to determine inquiry was indeed authorize by the consumer, Experin has15 days to provide me with the name if the person spoken to, documention used, signed application with consumer wet ink signature.consumer is not asking foran e-oscar report.if experian does not have documentation to show these were in fact authorized it must be removed asao.Said company is liable under the sec to follow certain rules.I will be filing form 211 treasury omb forms to audit consumers account.Experian is securitizing consumers data yet refuse to provide a copy of theit CONSUMER FILE NOT CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

Lexis Nexis is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXX XXXX acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX  reported varying posting dates to different credit bureaus. This inconsistency between TransUnion, XXXXXXXX XXXX XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In an effort to compromise with the debt collector, I settled the account for 30 % of amount owed in order to have it deleted from my credit reports. I have experienced extreme hardship over the past year and have finally started to be able to save for a home again. I will be applying for a mortgage in the next six months and this invalid collection is a huge hurdle in my effort to do so.
Product: Debt collection

World Finance In XXXX Texas Has Been Calling and Harassing My Ex Wife For The Past Six Months And Called And Harassed Her Again Yesterday And Ive Got One Payment left and thats XX/XX/2020 and It Will Be Paid In Full. Ive Called Them Numerous and Ask them to Stop And They Told Me They Could Do Whatever They Wanted to Do. So I want To File A Complaint On World Finance In XXXX Texas.
Product: Checking or savings account

Dear CFPB On XX/XX/XXXX I went to my bank ( US Bank, located at XXXX XXXX XXXX XXXX, XXXX Illinois ) and deposited a check for {$3900.00} from a company by the name of XXXX. My husband is ill in Florida and has been there since this last big hurricane and I have been looking for work by way of the internet to get money so I can relocate. I previously went to the bank in XX/XX/XXXX and asked for a loan of {$5000.00} and they turned me down and said not at this time. Later in XX/XX/XXXX I explained to the teller that I had a job offer for an advertisement from XXXX XXXX to put a decal on my car and advertise for them because their sales were down and I would be paid {$500.00} per week. I was suppose to keep {$500.00} for my first weeks pay and send the balance of {$3900.00} to an account specialist at either XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX XXXX XXXX form XXXX XXXX had XXXX text me with an account number ( XXXX ) at XXXX XXXX XXXX because it was closest to my home address. My bank, U S Bank released the funds to me on XX/XX/XXXX without any complaint. I thought the check was good because XXXX XXXX XXXX was not extending me any credit and they cashed it right away. I do not have that kind of money in my checking or a savings account in U S Bank or any other bank. When the bank cashed the check I felt good about the job because I thought everything was legit and that it would workout for me. On Monday XX/XX/XXXX my sister and I was going to the grocery store and I called U S Bank to see what was my account balance and passed out when I was told by customer service that my account was over drawn by {$3900.00}. U S Bank blames me and have taken my pension check {$460.00} plus money from my social security check {$1900.00} and reversed the payment for my car note of {$65000.00} to XXXX XXXX XXXX. My car insurance was an automatic deduction and everything is lost. I received a letter from U S Bank on XX/XX/XXXX stating that the check would be held for seven days but the teller cased it and released me the funds on XX/XX/XXXX. I have since filed a police report case number ( XXXX - XXXX ) and have received two more checks. I hold U S Bank responsible for this mishap. I took one of the checks to the XXXX XXXX XXXX on XXXX and XXXX and right away they recognized that the check was fraudulent and said it was no good and kept it. I need U S Bank to return my funds because I have no money to live off of. My husband has been ill since XX/XX/XXXX with medications costing {$500.00} or $ 600 monthly and we live from pay check to pay check. He is XXXX years old and I an XXXX years old and we need the money back. All of this pain and suffering could have been avoided if U S Bank would have protected me as their customer. The bank tellers are suppose to be sharp enough to detect criminal acts and protect their customers unless they are part of these criminal acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account and credit inquiries are all fraudulent and not my accounts or credit inquiries: XXXX XXXX XXXX, $XXXX.XXXX, XXXX XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX-Iowa XXXX, XXXX/XXXX/XXXX  and XXXX XXXX/XXXX, XXXX/XXXX/XXXX. I been receiving harassing and threatening phone calls of profane and vulgar language, threats of jail, prison and violence from Credit Collection Service Representatives which is a violation of the Fair Debt Collection Practices Act (FDCPA)under Federal and State law. Credit Collection Service is in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT XXXX XXXX WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX  AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT
Product: Checking or savings account

I filed a dispute for Pnc bank and my dispute was denied
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late.

Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX  payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an issue with Equifax and XXXX, which has caused significant stress and concern about my personal information. 

In XXXX, I received an alert from XXXX notifying me that my personal data was found on the Dark Web. However, when I tried to access my credit reports in XX/XX/XXXX, XXXX informed me that I could not access my reports from all three credit bureaus because Equifax had no record of my credit history. 

I then reached out to Equifax directly to confirm the information on file. After visiting the Equifax data breach website and entering my personal details, I was informed that my information had been compromised in the breach. Despite this, I did not receive any prior communication from Equifax informing me of the breach or the potential risks to my data. 

This lack of notification and the subsequent difficulty in accessing my credit information has caused significant distress. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated by both Equifax and XXXX, as I have not been provided with the necessary consumer protection or information regarding credit profile. 

I am requesting assistance in addressing these concerns and ensuring that my rights are properly upheld. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

During the height of the COVID pandemic my auto lease with Ally financial was extended on what was supposed to be a lease extension through the COVID crisis. When I spoke with the company they had indicated that nothing was needed on my end to extend the lease. The company had been taking my payments out of our account automatically, but because of the extension during COVID they had terminated this automatic payment deduction without informing us. I had called the company several times after I found that they had reported my lease payments as being late. Due to the fact that we were in the process of buying and selling a home, after repeated lengthy calls with Ally were led to believe that paying the account in full would resolve the negative report against our credit. Even though the account was paid in full, even paying an amount I did not feel was due, the Serious Delinquency against my credit was not removed and it is causing us financial strain and limiting our ability to obtain an affordable mortgage. 

We had been leasing through Ally for 6+ years and never once had a late payment until this confusion and miscommunication they caused during the height of this pandemic.
Product: Credit card or prepaid card

On XX/XX/XXXX I performed a {$2000.00} balance transfer under a 0 % interest for 14 month balance transfer promotional offer sent to my email. The balance was transferred, and I was charged a balance transfer fee ( as expected ), thinking I had 14 month to pay off those {$2000.00} dollars, as suggested by the promotional offer email. However, come XX/XX/XXXX, the close of my statement balance, the entire {$2000.00} was displayed in my " interest saving balance '' and when I called I was told yes I have to pay all XXXX by the due date or else I will be charged interest. This is different than the advertised promotional offer. They said this is because I also utilize the " chase plan '' benefit on the card for other purchases ( that are not the balance transfer ). I was utilizing the chase plan at the time when, in my Chase portal, it still showed that I was eligible for the 0 % interest balance transfer. In the end, they just charged me {$80.00} to switch {$2000.00} from a different card to one of their cards to be due the same billing cycle.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX and Equifax credit reports and I can see accounts reporting inaccurately. Please see attached file below