23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I opened case # XXXX on XX/XX/2016 because each month, since XX/XX/2016 SLS has been receiving my monthly payments on time but " losing them '' and then charging me a late fee as well as reporting late payments being made on my payment history, which impacts my credit score. In XX/XX/XXXX, SLS claimed the XX/XX/XXXX payment was late because it was returned due to an wrong account number. This is NOT true. The account number is the same account # I have had since SLS became my lender. The payments are sent directly from XXXX to SLS electronically. If you listen to the tape of the recorded phone conversation between XXXX at SLS and I XX/XX/2016 you will here her admit that the cashier made an error and that the payment was returned in error to XXXX. XXXX then told me that I needed to re-send the payment, which I did that very day and that they received it on XX/XX/2016 ( ref # XXXX ). She also asked me to send proof of payment, which I submitted via XXXX mail. I also notified them that on XX/XX/2016 they would also receive the XX/XX/XXXX payment ( ref # XXXX ) to ensure there was no confusion about how the payments received should be applied ( that it was not additional payment against principal but instead the monthly payments that are due ont he XXXX of each month ). I sent this notification and proof of payment to the address I was given by XXXX on XX/XX/2016 and that I have been using every month when they ask me to submit proof of payment. ( XXXX, XXXX, CO XXXX. ) Today, XX/XX/2016, I received a notice from SLS stating the proof of payment went to the wrong address and that I was charged a late fee of {$9.00}. SLS needs to remove the late fee and correct my credit reporting history. The XX/XX/XXXX payment was NOT late. They received it on XX/XX/2016 and they returned it in error to XXXX. Again, listen to the recording which I know was made of the phone call and you will here XXXX state that the cashier returned the check in error and for me to resubmit the payment as well as an explanation, proof of payment and the copy of the email XXXX sent to me notifying me the payment was returned on XX/XX/2016. Claiming that a payment was not made on time and then charging a late fee or claiming an incorrect address or incorrect account # was on the payment/check and then charging a late fee is XXXX. SLS has been doing this to me every month since XX/XX/2016 Furthermore, the excuse that a payment was not received due to an incorrect address is ridiculous since the payments are always sent electronically. An incorrect address is the excuse that the XXXX XXXX on XX/XX/2016 made for the " lost '' payment. I asked to speak to a supervisor since I was not getting anywhere speaking with anyone else in either the XXXX department or XXXX department. I want someone above a supervisor level to look at my account, process the payment correctly, remove the late fee, correct my credit reporting history and then send me written proof this was all done. I have always had a near perfect credit score and I will not allow fraudulent practices by SLS to charge me late fees and ruin my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Since XXXX of XXXX I have been reaching out to Lakeview Loan servicing company, in hopes to obtain a loan modification. We filed bankruptcy in XXXX and my husband lost income from leaving his job and we are struggling on monthly payments. I called at least 5 times and sent emails to request contact. Nobody has EVER called me back. There were times I waited on hold for SIX HOURS! SIX! I need someone to help me with the loan modification paperwork and to figure out exactly how to fill it out. Then I received an escrow shortage notification where they said that my PMI increased. How does my PMI increase? That is locked in at the start of the loan and decreases over time. With that, a and a raise in property taxes, It caused my escrow to be short over a XXXX dollars.But when I calculate how much my Taxes and homeowners insurance cost, it is not at the number they are asking me to pay monthly. I called last week and asked them to rerun it and explain it to me and the women said someone would reach out to me in a couple days. It has been a week now. I absolutely CAN NOT stand this loan company. if I had ANY chance of my bankruptcy not holding me back I would refinance somewhere that doesn't take 6 hours to talk to some one. But for now I guess I will just stick it out. I hope that they are reprimanded and that something happens because I am struggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two addresses on my credit report that I have never lived at. 
My credit score should be higher. Im afraid I may be a victim of identity theft.
Product: Student loan

On XX/XX/2023, I checked Mohela 's website to determine how much it would cost to pay off my loan. Their payoff calculator was not functioning, so I went by the payoff amount listed on my account home page. I had to make two payments because of bank withdrawal limits. I paid {$45000.00} on XX/XX/2023. I paid the remaining balance ( according to the " payoff amount '' listed on my home page ) of {$24000.00} on XX/XX/2023. As the payment was processing, I noticed that the loan was continuing to accrue interest, so in fact, my loan would not be paid off after this amount. And indeed, after the payment processed, I still had {$15.00} remaining balance. On XX/XX/2023, I checked to see if the payoff calculator was working on the website. It was not, but now there was a message that said " Call this number if you would like to get your full payoff amount ''. So, I called the number and paid {$15.00} over the phone on XX/XX/2023. I don't believe I should have had to pay this additional {$15.00} of interest because I had done everything I could to determine the correct payoff amount while not having the tool ( payoff calculator ) available that was necessary to actually get this done. I believe Mohela is intentionally making it difficult to pay off your student loan so they can continue to accrue interest on your loan. With the payoff calculator not working, now people have to call in and wait 2-3 hours on hold to speak to someone. I just checked today XX/XX/2023 and the payoff calculator page says " Application Error. You have encountered an error in our web application. Our technical staff will address this issue as soon as possible. '' Now there is not even information listed that says you should call Mohela directly to get your correct payoff amount ( because apparently the amount listed on the home page is not correct ). Again, I believe this is unacceptable and completely intentional on Mohela 's part. I think there should be a class action lawsuit filed against Mohela.
Product: Debt collection

My mother and I were contacted on XX/XX/XXXX, by a woman named XXXX who claimed to be from a legal agency and stated that I had been given a payday loan in XXXX and that I had defaulted on the loan and that I would need legal representation because I would be taken to court if I did not agree to a settlement or pay off the loan amount. I called XXXX at ( XXXX ) XXXX and she claimed to be working on behalf of a loan agency/creditor who claimed that I had defaulted on the loan and was in breach of contract, and that I would be taken to court if I did not pay the total amount of {$1400.00} or agree to a {$500.00} payout paid in {$250.00} installments. Sunset Solutions Group LLC emailed me a XXXX document, which I was forced to sign under duress and afraid. On XX/XX/XXXX, I received an email from XXXX XXXX, who described herself as XXXX 's new payment processor and informed me of a new contact number for my payment. The phone number to call is XXXX, as indicated in the email. I've kept track of the emails from them at XXXX.
Product: Credit reporting or other personal consumer reports

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. if you don't look into these accounts, Ill take legal action against you.
Product: Money transfer, virtual currency, or money service

My original complaint against Paypal is # XXXX. I received a relatively satisfactory response but the written message was contradictory in content so I have asked for clarificatoin. 

In the meantime I have discovered that XXXX is an interfacing company between Paypal and its customers that validates customers ' accounts by logging into them. 

I found this out when XXXX attempted to log into my bank accounts XXXX times over the weekend and failed each time. I thought this was an attempt at theft of my money. I could not call the bank as it was not open until Monday morning. The information in the failed attempts emails was very unclear. 

When I asked various paypal employees about XXXX they confessed they did not fully understand how the more granular functions of paypal and customers ' monies work. 

Also I could not find Paypal 's terms and agreements at first but did eventually find them deeply embedded in paypal 's website. In those terms I do not believe XXXX is mentioned anywhere. I saw paypal XXXX XXXX XXXX XXXX which all might function similarly to XXXX. but I am unsure. 

also it appears to me that nowhere in those terms and agreements is a statement that spells out the fact that paypal 's partners may in fact log into customers ' accounts at any given time. The information about this function suggests it could occur but nowhere is it clearly stated login is required or what its purpose is. I can surmise what it is but all together I believe the information is deliberately shrouded. 

Terms and conditions or agreements should be made clearly available at all times. to customers XXXX should be listed as a third party vendor or partner and regular logins to customers accounts should be clearly stated is a requirement and exactly how that is done. It took me several days to surmise and then get confirmation XXXX was in fact the entity that tried to log into my bank accounts. Paypal customer service personnel should be more efficiently trained and ready to share this critical information.
Product: Checking or savings account

I have attempted to order check books for a checking account that I had opened over a year ago. I went into the bank to request check books and was told they will not help me, that I must order them online or on a phone app. I attempted to do so numerous times. The only thing it permits me to order are deposit slips. I have a checking account. I have submitted complaint to you the CFPB and got no help in obtaining chek books. You need to do something to fine this institution. I m not requesting that you become a walkie talkie and send messages between the instituion and I. There are laws. I have a right to obtain checks, and bank of America refuses to permit me to order checks. I just did a modification on the mortgage on my home. I need to have payments automatically deducted from my account each month starting on XXXX first. I am unable to set up electronic deductions as I need to send a voided check to my Mortgage company. I am being charged a monthly fee for over a year now and have recieved lousy service from a bank that REFUSES to order me checks, REFUSES to permit me to order them online but tells me I must order them online. I am now unable to set up auto pay for my mortgage, and if I lose my home due to this, I will sue this institution and possiblly the CFPB for not doing anything to force this institution to permit me to have a siingle checkbook. I will not accept a phone call from a bank representative telling me that they will email me instructions on how to order checks. I am not stupid. They are!!! They have no link to order checks. They only have a link for deposit slips, and they REFUSE!!!!!!!! To change that. They REFUSE!!!! To permit me to order checks at the bank. They REFUSE to permit me to order checks over the phone, and they REFUSE! to permit me to order checks online. They charge me a monthly fee, and they REFUSE! to provide me the service that I pay for. I want every fee I have been charged since opening this aaccount returned to me!! And if I do not recieve a checkbook in the mail, by XX/XX/XXXX. I will shut down this account and press charges for refusal to provide a service that I have been paying for for over a year. I am fed up and I don't want any representatives from this institution to call me. They had better send me an email, and confirm that they have mailed me a checkbook. Nothing else is now acceptable. They need to be fined for this as well. This is mys econd complaint to you for this exact same reason, and you closed the account. However, the XXXX of this institution never satisfied my request for a checkbook. And I will continue to bother you until you bother them and fine them, and someone gets fired for not doing their job, and not honoring the contract to provide me with checking account services. They have charged me a monthly fee, yet they have not provided me with a service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to Equifax .Consumer Financial Protection Bureau. , I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 
Furthermore, you the CFPB took another enforcement action against Equifax in XXXX for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.
Product: Student loan

Had federal student loans. Worked for 10 years in public service at least in part because of student loan forgiveness program. At 10 year mark I apply for forgiveness. Forgiveness is denied because " loans are in wrong program '' supposedly. I am advised by servicer that they have reallocated loans to correct program and all I have to do is pay for another 6 months and they will automatically be forgiven. I do this. 

Loans are not forgiven automatically at 6 month mark. When I enquire I am informed that the loans are still not in right program but they will be moved and if I pay for another year they will be forgiven. I do this. 

Loans not forgiven at this point. Now I am informed that my loans are too old and that when Congress passed the loan forgiveness legislation it was meant for people who were younger and had been paying for shorter period of time. But again, all we have to do is move loans to another program and make additional payments and they will be forgiven. I do this. 

Year goes by I apply again, again I am denied. No reason given. AT this point I get aggressive on seeking answers. What I get told now is that 10 years prior there was a gap in payments where no payments were made one month but double payments were made the next month. I have no recollection of this as it has never been brought up before and I strongly suspect this to be retroactive fraudulent accounting. I am informed that this situation has created what they call a " rolling delinquency '', ie none of my payments over the past 10 years were on time because of this. But no worries, all we have to do is move loans to different program and apply for exemption to " rolling delinquency clause ''. More time passes without resolution. Lots of contentions back and forth communications though. 

PHEAA/Fedloan does eventually decide to forgive loans ( or perhaps forced to by incoming fed admin ) however they play games with the date on which the " rolling delinquency '' is resolved. Meaning... the amount of money that was overpaid due to the accounting error on their side is kept. They claim they are researching and looking into but mostly they just sting me along constituent with previous behavior. I follow up for several months but they stop returning phone calls. Last time I talked to them was probably late 2021.
Product: Mortgage

I recently was transferred from XXXX XXXX to Rushmore loan management. I have been trying to complete a loan mod with XXXX  for several months without success. They continue to ask for additional documents that were not required during the loan review process. It isn't until I call in that I find out that additional documents are needed to " complete my file ''. My escrow payment increased in 8 months after my loan was originated due to an increase in escrow was not accounted for at origination. I have worked to lower my escrow by decreasing my insurance payment and filing homestead. I asked XXXX XXXX to run another analysis but was advised that I needed to complete the loan mod process as my payment has increase again. I called Rushmore today to find out that my loan was not even coded that I am in the Loan Mod process nor do they have any documents received from XXXX. I was advised that I can resend the package sent to XXXX XXXX or fill out a new package. I also attempted to make a payment and Rushmore refused to accept a payment. Advising that I would need to bring the loan current or they would not take payment. I am trying my very best to make payment and try to get my loan mod and they will not accept payment. Rushmore does not seem to be interested in helping the customer but wants to take homes. I asked the associate if this was an investor guideline. He stated no that it was Rushmore and that I need to complete the Loan Mod process. How about if I do not quality, then Rushmore will have placed me further in default because they just do not want to take a payment? This is ridiculous and needs to be resolved asap.
Product: Debt collection

I am disputing a {$540.00} collection account reported by Fair Collections & Outsourcing on behalf of XXXX XXXX ( Rental/Leasing ). This debt is inaccurate and should be removed from my credit report immediately because : I never had a direct financial agreement with XXXX XXXX. My lease and all payments were made to XXXX XXXX ( the property management company ), not XXXX XXXX. 
My rental account with XXXX XXXX was paid in full and closed before this charge was reported. My credit file shows a final payment of {$1600.00} on XX/XX/year>, with no outstanding balance. 
The collection agency has not provided any documentation to verify the debt. I have not received any proof that this amount is valid, nor any evidence that XXXX XXXX had the right to assign this debt to collections. 
Despite these facts, this debt is still being reported and negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage reported that I was 3 months pass due. But I was going through a modification due to the current pandemic and was out on a 3 month trial period to see if I could make the payments on time at a lower amount which I did. My mortgage was lowered to a smaller payment but the mortgage company reported to the credit bureaus that I missed three payments.
Product: Credit reporting or other personal consumer reports

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 XXXX XXXX XXXX charged off the account XX/XX/XXXX which is the tax year of XXXX. 
XXXX XXXX XXXX made the account a charge off XX/XX/XXXX which is the tax year of XXXX XXXX XXXX XXXX made the account status a charge off XX/XX/XXXX which is the tax year of XXXX