23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Trying to get onto this XXXX XXXX XXXX XXXX plan has been much more of a headache than it should have been, and my issues still have n't been resolved. When I submitted my materials last XXXX ( 2016 ) and received approval, my loans were transferred from XXXX XXXX to FedLoan. Since then I have called and called trying to get status updates. At first they were n't able to view any of my information for about a month. Then nothing showed up in any paperwork about the XXXX plan. After calling, I was told it could take up to 90 days for it to process and then would be visible on the website, but that it usually does n't take that long. I called after a couple of months had passed, was told by an irritable-sounding employee that it had n't been 90 days yet ( i.e. " Why are you calling? '' ) I called again weeks after ( by my calculation ) 90 days had passed, and was told by an even more irritable sounding employee that it had n't been 90 days yet. A week or two later, I received a billing statement that showed I had made XXXX qualifying payments. I had been expecting something closer to XXXX qualifying payments! I called again today, spoke to another irritated-sounding employee who told me that I only had XXXX qualifying employers listed on file. There should have been XXXX, and I told her that. She told me that the third employer certification had been denied for missing info. I had NEVER received any kind of communication to this effect. She told me I " would be more than welcome '' to resubmit the certification on the third employer. After getting off the phone, I looked up a copy of what I had submitted ; there was no info missing on the application. I called back and spoke to XXXX. Thank XXXX XXXX was a nice, patient employee who actually seemed interested in helping me resolve my problem. He looked everything up and discovered that the third certification just had not been processed. I 'm still not clear as to why, something about it being labelled a " duplicate. '' It was a " duplicate '' because I had originally resubmitted it last XXXX to include some missing info. They apparently just had not considered the corrected form. I wonder if this is something they do often. If I had n't been paying close attention I do n't think this " error '' would have been caught - I never received a denial of my updated certification and I never received a breakdown of what payments would be considered qualifying payments and from which time periods. Anyway, XXXX said he was submitting a request to reconsider the paperwork they had already received and that it should take XXXX10 days to process. I do n't have very high hopes that it will be taken care of without more effort on my part. I am so sick of these student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I was denied from opening a credit card at XXXX today XX/XX/20 because apparently there are three accounts with negative payment history appearing on my credit report. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. None of those accounts belong to me nor do I have any written or verbal contract with any of those companies. I am not responsible for any of those accounts nor did I ever benefit anything from those accounts such as money, goods, services or any other benefit. I also never made any payments towards any of these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account from XXXX is not reported to Experian credit bureau as XXXX and XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified XXXX on letter dated XX/XX/XXXX. 

I notified Experian on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate this matter.
Product: Credit reporting or other personal consumer reports

RE : Inaccurate Late Payment Reported Inaccurately Inaccurately Reported Account : XXXX XXXX Under the CARES Act, if you had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the COVID-19 pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning COVID-19 was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, you may have grounds to dispute the late payment. The account is opened last XX/XX/XXXX, and protected from being reported as delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to the CARES Act. Thoroughly investigate and update with lawful accuracy. 
This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. Please reverse the late payments under the CARES ACT. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Thank you for your urgent attention in this important matter.
Product: Debt collection

Since XX/XX/XXXX, I received repeated phone calls at home an work from XXXX. I requested that they send me the ensuing information concerning the debt : name and address of original creditor, copy of the original signed contract, and complete accounting /statement of payments, interest, and fees associated with this debt. XX/XX/XXXX I received a letter from McCarthy, Burgess @ Wolf regarding the same debt reference number XXXX  XXXX
Product: Mortgage

The last several months have been a terrible experience with Planet Home Lending. 

I previously elected not to receive paper copies of monthly mortgage statements and set up automatic monthly payments with my bank. As a result of not receiving monthly hard copies of mortgage bills, I did not know that my escrow charges had gone up sometime in XXXX. When I found out in XXXX, XXXX, from Planet Home Lending that my payments were short due to an increase in escrow requirements, I called them and was told the shortage amount was {$190.00}, which I IMMEDIATELY PAID ; they cashed the check XXXX XXXX, XXXX. 

During that phone call, I explained that Planet Home Lending did not notify me of the required escrow increase via mail or email and, furthermore, did not contact me via phone, so I was unaware of any required payment increase. As a result of that conversation, I was told by the Planet Home Lending customer service representative that late fees would be removed from my account. This did not happen. 

The next month, my XXXX. XXXX, XXXX statement arrived with a late charge of {$60.00}. So, again, I called and their representative told me she would request it be removed. Again, that didn't happen and my XXXX statement arrived with the late fee still noted on my payment requirement. 

I called Planet Home Lending, XXXX. XXXX, XXXX, and once again had to explain the circumstances to their representative ( this was the third time ), including informing the representative of the commitments from previous representatives to remove the late fee. After being put on hold three times with this representative, named XXXX, ( presumably so she could talk with a higher-level supervisor ) she came back onto the phone call and told me that I would just have to pay the late fee. 

Therefore, rather than deal with them any longer, I sent Planet Home Lending a check for the {$60.00} late fee simply because I did not want any late indications on my account ( I value my credit and take pride in meeting my financial commitments ). 

My complaint is that they are charging me ANY late fees at all since they never notified me of an required increase in monthly payments. My view is that not notifying someone of a required payment increase and then charging them late fees is a predatory lending practice and one that may even be grounds for a class action lawsuit. 

I have since requested paper copies of monthly mortgage statements be mailed to me so that I avoid not being notified by them in the future. However, I should not have had to pay their late fees when they failed to notify me by phone, mail or email of a required payment increase in the first place.
Product: Debt collection

This company, Diversified Adjustment Services, allegedly acting on behalf of T-Mobile for a debt listed in the amount of {$370.00}, did not notify me of any debt ( s ) owed to T-Mobile prior to reporting this debt to the credit bureaus. I have no prior knowledge of this debt and was surprised to receive notifications almost simultaneously of a new collection account being added to my consumer reports by this company. I was not provided any opportunity to validate nor dispute this debt prior to it being reported to the credit bureaus by this debt collector as Diversified Adjustment Services had not contacted me beforehand nor afterwards to inform me of the existence of any such debt in my name. This is a direct violation of my rights as a consumer under the FCRA and the only appropriate remedy is for this account to be immediately removed and blocked from any further reporting on my consumer reports. Failure to immediately remove this account subjects all of the involved offenders, including the credit bureaus allowing it to continue to be reported, to civil monetary restitution damages not less than {$5000.00} per occurrence in accordance with federal law, owed to the consumer, in addition to fines and fees for enabling and permitting the abusive debt collection practices being carried out by Diversified Adjustment Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax via certified mail on XXXX XXXX, XXXX ( tracking number was XXXX ) about collections on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that are not mine. I asked Equifax to verify the accuracy of these collections and send me copies of the documents they have on file that verified these accounts. Unde the Fair Credit Reporting Act 15 USC 1681g I have the right to demand copies and no proof was sent to me. I called Equifax on XX/XX/XXXX to get my update I was told by XXXX the accounts came back factual which they arent. I contacted the creditors and collection agencies asking for them to send proof and none was sent but a bill which isnt a contract with my signature or proof of my identity that they would have. I let XXXX from Equifax know I will be filing a complaint and I want proof of the collections or have them deleted off of my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : 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 XXXX XXXX  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

The company in question is XXXX. XXXX XXXX XXXX. I had to delinquent accounts with them and back on XX/XX/XXXX of 2020 I called them to see if I could make a deal on paying the debt. We had agreed on a recorded line for a pay and Delete. We agreed to roll both accounts into one lump sum. After crunching the numbers they gave me 50 % discount and agreed to delete the accounts within 30 to 45  days. Almost 2 months later when the accounts were still showing on my credit report I called them back. And they stated they did not do pay and deletes. They clearly lied to me to get my money
Product: Debt collection

I am being contacted, via email, by Capital one over a debt not owed. A request was made to substantiate an verify the debt. However, Capital one has not responded. A request to cease contact via email was also made. However, they continue.In accordance with the fair credit reporting act this creditor has violated my rights und 15 u.s.c 1681 Section 602 states I have a right t privacy. 15 u.s.c. section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without the account holders written instructions. 15 u.s.c. 1681 ( B ) ( 2 ), ad pursuant to 15 u.s.c.B a creditor may not treat a payment on a credit card account under an open end consumer credit pan as last for ay purpose. I demand any late payments be updated to paid in accordance to these U.S. laws ( See also 15 u.s.c 1666B ( A ) ( B ) ; 15 u.s.c. 1637 A ( a ). There will be civil liability for willful noncompliance of this request ( 15 u.s.c. 1681 ( N ).
Product: Mortgage

I have sent the mortagge company all the requested items for a loan modification. On the application is states that you have the option to use a CPA. I used a CPA. BOA then said the CPA needed to show certification which I provided. They then said the certification was valid. However, on the application it says the cpa DOESNT HAVE TO be certified. Also, you don't have to use a CPA at all if you provided certain documentation. I have been going through this process for almost a year. Living in fear of losing my home. Please help me. 


XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I check my credit report with XXXX XXXX, I noticed the same derogatory remark on my credit report. That XXXX XXXX removed in XX/XX/XXXX with XXXX XXXX XXXX. The contract was not signed by the company 's representative and myself dated XX/XX/XXXX. In XXXX XXXX investigation with Zion 's debt solutions stating they are FCRA Requirements is valid. To change the opening or collection date to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Product: Consumer Loan

I have a 6 year loan with santander on a XXXX dodge journey. I purchased the car XX/XX/2013 The pay off amount was for XXXX after finances were added. I have had this car for almost 3 years and the pay off amoumt has increased to XXXX dollars and has never lowered. Santander has lost payments, and after deferring two payments have started calling 4 to 6 times a day saying I am over XXXX dollars behind.I have been blocked out of my online account and can not retrieve any information.
Product: Debt collection

This is another complaint being opened against access XXXX XXXX and the I will keep complaining about them because they were caught in a lie in a previous complaint. They were reporting that I owed {$2500.00} to the credit bureaus although XXXXXXXX XXXX took care of the balance internally. The company responded that the balance was for {$1700.00}. For the past 4 years they have been reporting the same balance of {$2500.00} and verifying with the credit bureaus that this amount was correct. Today they admitted the balance was {$1700.00} which is what Ive disputed several times and they refused fo update which is a violation of FCRA. I have pulled multiple versions of my credit report and the amount has always said {$2500.00} which was inaccurate. They even reported in XX/XX/XXXX that I paid them directly {$2500.00} which now has re-aged the date of last activity on my credit reports. There should have been any update of date of last activity because theres no activity on a collection account with a XXXX Balance! I have attached the previous CFPB complaint that shows the inconsistency of them never properly verifying the debt. I have proof of payment from the university directly. They said the pay off date reflected as XX/XX/XXXX and per the attached credit report from XXXX XXXX, the balance pay off date reflects XX/XX/XXXX. I asked them to provide the actual contract between XXXX and their company but they refused. XXXXXXXX XXXX provided the proof of our agreement but I do not have anything from this collection company. They have not properly validated the debt and have lied about their attempts to do so to the credit bureaus. if this isnt deleted off my report. Immediately, I will submit this entire file to a lawyer. 

They also never provided me with my initial 30 Days to validate the debt letter. This should have never ended up on my credit report.
Product: Debt collection

Someone from " SMS Recovery in New York ( although I only know that by calling back ) says they have legal papers to delivery and want to set an appointment to bring them to my daughter 's house ( they keep calling her, my wife, my other daughter, my son, my son-in-law .... ) otherwise they will have to bring them by where she works. We have no idea what they are talking about and will only give us additional information if my daughter gives them her personal information. The Caller ID that comes up whenever they call is a fax machine for XXXX XXXX XXXX in XXXX, Texas. I called the XXXX ( the number left by " XXXX XXXX '', answered by " XXXX '', who told me the company and location but refused any other info unless I let him talk to my daughter. Not happening!
Product: Debt collection

Collection company is calling me, asking very personal questions.Kept me on the phone for XXXX minutes asking personal details of my finances. They looked at my credit report without asking me. And they also called my family members.
Product: Mortgage

My Pennymac Mortgage payment was made online on XX/XX/2023. Due to a bank delay in processing a deposit made on XX/XX/XXXX which was suppose to clear in time to cover payment for Pennymac made on XX/XX/XXXX my payment was reversed. 

A new payment was made on XX/XX/XXXX and processed, I was advised on XX/XX/XXXX the payment will take up to XXXX business days to process and I don't need to be concerned as they will make sure credit bureaus are updated to show payment was made successfully. 

As of today, XX/XX/XXXX XXXX has reported my payment was never made which is not the case and now my credit has dropped XXXX points as they can't give me an answer when they can update the bureas to reflect my account was paid Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrongs information, selling my information to third party. Incorrect reporting
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists ( Please delete the following accounts before I seek litigation for defamation of character ) 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
Product: Debt collection

National credit adjusters add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the National Credit adjusters has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Payday loan, title loan, or personal loan

I was looking through online loans. I saw credit ninja and went to their website and was directed to enter my information thinking it would allow me to review all The information. When I pressed the submit button, it automatically went into processing and I immediately sent 3 emails to them stating that I do not want the loan and did not realize it was going to processing and to be funded. The funds are in my account and I do not want this loan at all. The interest rates are astronomically high very much like a predatory lender. I will send the funds back immediately and do not want to be charged interest, period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible 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