23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PayPal Credit contacted an individual, XXXX XXXX, whom I know to resolve a debt. PayPal Credit contacted XXXX XXXX on XXXX XXXX and indentified themselves as PayPal Credit and claimed that the call was regarding a collection of debt. PayPal Credit also stated that the debt was mine, XXXX XXXX As a results of this third party collection call to XXXX XXXX, it had ruined my relationship with XXXX XXXX! This has ruined my public reputation!
Product: Credit reporting or other personal consumer reports

Seems that my credit score doesnt move up at all but one missed car payment that didnt go through because we didnt renew the automatic payment after five payments my credit dropped XXXX pts my payment history is my credit percentage use is way under 30 % usage it goes up XXXX pts here and there dont understand why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Personal Information : 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is regarding a mortgage with Mr.Cooper and our credit score losing over XXXX points. 

XXXX XXXX XXXX We were looking for a way to skip a payment like we have done with our credit union in the past. We came across the mortgage assistance option. Mr. Cooper made the process seem very straightforward and simple. I read all of the info on their website. 

I applied and they told me I needed to not make a payment for the month in order to start the program. So we started the process in XXXX of XXXX. We signed final papers in Mid XXXX of XXXX  and the Loan Modification has not been finalized yet. 

We have tried countless times to ask for an update but they said there is no direct way to contact their underwriters. We also submitted a formal complaint on XX/XX/XXXX and credit dispute but they informed us ( after over XXXX  days of submitting the dispute on XX/XX/XXXX ) that they are not in error. 

We feel completely misled. We were not informed that this would cause an issue with our credit. We both had near perfect scores of XXXX and we have seen our credit drop to below XXXX since XXXX. They assured me this was part of the process and that our credit would return to normal once the modification is completed. 

We feel tricked and cheated. Had we know this was the actual process we never would have done it. It is not with us saving {$250.00} a month. If there was a way to undo this nightmare I would do it. 

We were under the impression we were just skipping a payment. Their practices are predatory and need to be investigated immediately. I would never wish something like this to happen even to my worst enemy. 

During the whole process Mr. Cooper said our payments are in XXXX  Staus even though we have been making payments as part of the loan modification. They locked us in and now we have no power to change or fix anything. 

Mr. Cooper is ruining peoples lives by keeping their consumers in the dark.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX  ACCOUNT WAS XXXX IN XXXX XXXX BK ON XX/XX/2021
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 in XXXX, XXXX, XXXX, XXXX, AND XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Checking or savings account

In XXXX on XXXX XXXX  of this year 2023 I had over XXXX dollars deposited to my account and every transaction posted after that is fraud. The bank only let me take out a portion on my money and I need it all back.
Product: Mortgage

Mr. Cooper overcharged me on final claim, then again in XX/XX/2022. 

To date I have no credits for $ XXXX and they are sending me to foreclosure. 

But they owe me XXXX XXXX XXXX
Product: Debt collection

A CHASE CREDIT CARD ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME IN 2016 I DISPUTED THIS ACCOUNT MANY TIMES AND INFORMED CHASE IT DID NOT BELONG TO ME I ALSO SENT A POLICE REPORT AND IT HAS BEEN DISREGARDED
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request to Update Employment History and Address Information on Credit Report Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to request the correction of employment history and address information on my credit report. I recently obtained a copy of my credit report and noticed some inaccuracies that need to be rectified. 

I would like to bring to your attention that the following address and employment entry are incorrect and should be removed from my credit report : Incorrect Employment Entry : XXXX XXXX XXXX, XXXX, AL Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX My correct employment history is as follows : XXXX, XXXX, AL XXXX XXXX, XXXX, AL XXXX, XXXX, AL XXXX XXXX, XXXX, AL Additionally, I would like to update my current address to the following : XXXX XXXX XXXX XXXX, AL XXXX Therefore, I kindly request that you make the necessary updates to my credit report by removing the incorrect employment entry ( XXXX XXXX XXXX ) and address ( XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and replacing it with the accurate information provided above. 

Maintaining the accuracy of my personal details and employment history is crucial to ensure the integrity of my credit profile. I trust that you will process this request promptly to avoid any further discrepancies in my credit report. 

If required, you may reach me at XXXX or XXXX for any additional information or verification. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the updates made to my credit report. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report listed on the account XXXX. There are late payments that should not be reported to my consumer file. Each consumer agency is required to send out a notice prior to reporting any such information. Are the consumer agencies exempt from federal law? 

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Student loan

I applied for the PSLF waiver before the deadline in XXXX. I then sent in all of my PSLF documentation. This was eventually processed and my payment counter was updated to well over XXXX eligible payments on my existing consolidation loan, most of which are also qualifying, so I am very close to 10 years of completed payments. Please note that they had a different qualifying payment count on the two parts of my sub/unsub consolidation loan which was incorrect because a sub/unsub consolidation is one loan and the count should have been aligned on both parts. They also had missed a couple of months that should have been added to the count. 

Neither of those two issues matter as much now because I had one loan that had been left out of the consolidation that did not get the full payment count. Therefore, I worked with MOHELA to determine if the same payment counts would apply if I reconsolidated to add the missed loan ( because I had applied for the waiver by the deadline ). I was reassured by multiple people at MOHELA that it would. I also found documentation online that it would. My consolidation was finished in early XX/XX/XXXX. My account now reflects just 5 eligible payments. I have called and messaged MOHELA repeatedly for the past 5+ months only to be ignored or told a different story every time I call. I was told that this fall they would update the counter. Then via messaging they said my issue was resolved ( it is not ). The waiver was already approved and processed previously, so all they have to do is update my payment counter to match what I had before and add the months since consolidation. I have attached the documentation MOHELA previously posted online that indicated if consolidating by the end of XXXX, I would still get the payment count benefit ( 4th bullet point ). I have attached the message from MOHELA just after my consolidation reassuring me that I would get the payment counter update to match what I had before. And I have attached a screen print of what my qualifying payment counter looked like just before that consolidation happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised due to identity theft and I was left with many unauthorized accounts on my credit file and I'm requesting that the 3 mojor credit reporting agencies either send me a certified physical copy of an legal instrument with my signature accepting these accounts as an agreement between them companies inwhich I'm disputing and I, if not then as a consumer with rights I'm demanding that these accounts be blocked immediately and permanently from my credit data/ files. 

Remove these accounts, 1 ) XXXX XXXX {$1000.00} 2 ) XXXXe XXXX   {$1300.00} 3 ) XXXX {$180.00} 4 ) XXXX {$370.00} 5 ) XXXX   XXXX  {$460.00} 6 ) XXXX XXXX {$110.00} 7 ) XXXX XXXX {$83.00} 8 ) XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$610.00} 10 ) XXXX XXXX XXXX {$41.00} {$20.00} {$40.00} {$83.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX .... Balance : {$2000.00}
Product: Mortgage

I paid off my current mortgage with SLS.net, the new lender XXXX XXXX paid off the balance due to SLS on XX/XX/2019, SLS is holding my extra payment to them since then. 

I have contacted them several times, they have said they would send out the check and they haven't, I called again, now they want me to wait another 30 business days. 

They are holding my funds and are playing games. 

I need the money back to make my payments. Its not right that they are holding my money for no apparent reason.
Product: Mortgage

I received a general statement to pay my current mortgage servicer, XXXX, on XX/XX/XXXX by the XX/XX/XXXX due date. When I logged in online to make the payment for XXXX on the XXXX ( I have a 15 day grace period ) I received a message that my account was not eligible for a one-time draft payment. I then attempted to call and make my payment over the phone. The automated system was able to locate my account number to give me my past payment information, but when attempting to make a new payment I received a message that my account number was not valid. I was required to call back on Monday XX/XX/XXXX in order to speak to a live representative within their servicing hours. At this point I was informed my loan was " transferred to another department ''. I was given a new number to call and was advised it was a new company servicing my loan, XXXX XXXX XXXX. They informed me I could make my payment to them. I inquired if they were going to send something in writing, as I had not received anything thus far. They stated a letter had been sent to my property address on XX/XX/XXXX. They stated I would not get any late fees for 60 days from the transfer date, which was XX/XX/2019. I declined to make a payment until I receive something in writing. It is now XX/XX/XXXX and I have still not received any information in writing regarding the transfer of my loan to a new service provider. I have checked my mail and email thoroughly, but have not received anything from either the new company or the previous one. Am I not supposed to receive written notification from both parties 15 days before the transfer occurs? I am now outside of the grace period, which has never happened. I am concerned and uncomfortable about the situation and angry at the complete lack of communication I have received in regard to my own financial interest. Why was I given a statement to make a payment to XXXX if they are no longer able to accept my payment? Why have I not received a statement from the new provider XXXX? There has been no communication from my mortgage provider Guaranteed Rate XXXX. XXXX XXXX, XXXX, IL XXXX ( where I am supposed to mail my payments ) There was no letter or statements. I am left in an unconfident state of my loan status due to the lack of communication from either party.
Product: Credit card or prepaid card

A Discover agent contacted me in late XXXX to request that I make a payment. After discussing the amount due I agreed to her offer of setting up installment payments only because she assured me that my account wouldn't be reported to the credit bureau because of the installments being set up. Apparently she was incorrect because after 2 of the installments had been made I later received an alert from XXXX of a 30 day late payment from Discover. I've disputed with the credit bureau and requested that the recorded call be listened to but that was not done. My dispute was closed and all that was done is Discover sent the status of the account as of the date they responded to the dispute. If I had been given accurate information I would have made a payment for the full amount due in order to bring the account current. 

Next issue : For years I've had my wife assisting in communicating with Discover but I had to add her as an authorized user on XX/XX/XXXX because the rep said she had to be added in order for them to speak with her. So I added her but discover did not disclose that they'd report on her credit report information from 30 days prior to adding her which puts that 30 day late payment on her account. There's no way that is fair to a consumer. That should be disclosed when you are in the process of adding an authorized user. How is it fair to a consumer to add credit activity to their credit report when they didn't have access to that credit during the period of activity or during that billing cycle. As I am typing this dispute Discover has said 5o my wife that they are going to review the call and they think that they know what happened but they will be able to confirm and get back to me in XXXX business hours.
Product: Debt collection

BSI Financial services sent me paperwork trying to collect a {$24000.00} forbearance debt on my mortgage that has already been paid by a Virginia Mortgage Relief Grant from XXXXThis is documented with my current mortgage company.

They're claiming the debt has been sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus are reporting information from these organizations that are obsolete. They are reporting these accounts as if they are new accounts. I am asking for all of the accounts associated with the following companies to be deleted. I am asking for the three credit bureas to request the origination and payment history in support of my claim to support that none of these companies should be on my credit reports. If they request this information they will see that the timeframe would also support deletion as they are obsolete accounts. Also there is an address reporting on Equifax that has never been my address XXXX XXXX XXXX XXXX, CT XXXX, I am asking for it to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE Open XX/XX/XXXX Charge Off XX/XX/XXXX Credit limit {$2200.00} Highest balance {$2200.00} XXXX XXXX  XXXX has committed Securities Fraud and identity thief against Me. 
XXXX XXXX XXXXXXXX has taken Security against me without my consent and used my name without my consent. All credit card are repaid.
Product: Credit card or prepaid card

XXXX Account has been permanently suspended. When I called customer service representative told me that my account had been permanently suspended but could not give me any information told me I needed to write them a letter requesting information when asked about the money remaining in my account which is over XXXX dollars she said I would have to write a letter inquiring about my money also.
Product: Student loan

In XX/XX/XXXX, I made a lump sum payment from my XXXX award to Sallie Mae ( now XXXX ). Sallie Mae did not, as required by law, give me credit for 12 lump sum student loan payments. This caused me to default on my loan.
Product: Credit reporting or other personal consumer reports

I received Information that there was potential fraud on my credit report I noticed that there are several accounts I did not authorize I reached out to To these companies requesting that they provide physical documentation showing my original wet signature authorizing each one of these transactions none of these companies have been able to provide me with this information I reported this to the credit bureaus XXXX XXXX XXXX and Experian however it is still being put on my credit history even though it has been reported to the federal agency FTC including two local law-enforcement agencies this is a violation of my rights under the FCRA I also fully intend on pursuing this matter through litigation as I am a litiglous consumer and this has been harmful to my character, my job, as my credit history does play a part in my employment my abilities to carry out certain task such as open a bank account get a loan start a mortgage etc. I fully intend to Hold XXXX XXXX, XXXX and Experian responsible for the harm that this false information has caused me. as it is their responsibility to confirm, the information is accurate before applying the information to my credit history _ ] According to the clerk of courts they informed me that they DO NOT disclose information to any third party companies due to the Privacy Act, 5 U.S Code 552 A ( B ). The information listed below by your company is completely false information and is violating my rights under the Fair Credit Reporting Act and Privacy Act.
Product: Payday loan, title loan, or personal loan

Purchased an automobile financed by Santander. Paid off off loan within loan time terms. Filed for bankruptcy and followed all procedures required by Bankruptcy court and it was discharged. Notice of meeting of creditors was delivered to Santander of whom which did not respond. Bankruptcy court discharged all debt 's and finalized procedure. When contacted Santander, representative was extremely rude and informed me that bankruptcy did not include Santander 's interest in vehicle and thereby would not release title. This bankruptcy was discharged in XX/XX/XXXX-XX/XX/XXXX. I believe that Santander is holding release of title on this vehicle illegally. The full principle and interest amount was paid in full. They are holding title for unconfirmed late fee 's during the loan term which were discharged in bankruptcy. Very " strong-armed '' and determined to try to convince me that the bankruptcy would not include them, even though representative acknowledged that they were aware of the process by the court. {$750.00} of late fee 's. Extremely rude and condescending representative, XXXX-operator # XXXX, transferred me to another rep, of which I was placed on hold for 10 minutes, as she was unwilling to consider facts of bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address on my report, someone applying for loans in my name. Hard inquiries on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint on Experian with the Consumer Financial Protection Bureau on XX/XX/XXXX. The complaint ID is XXXX. Experian responded on XX/XX/XXXX. The description of relief was to remove and or block inquiries as requested. Experian agreed to remove the inquiries. Today is XX/XX/XXXX. Experian DID NOT remove all the inquires listed above. By law Experian did not remove inquiries resulting in alleged identity theft in four days after receipt. Experian is making it impossible for me to obtain new credit. I no longer feel comfortable with Experian having access to my important information. Experian is deceitful. My online consumer report has not been updated reflecting the removed inquiries. I have yet to receive an updated consumer credit report in the mail with the removed inquiries. Experian has closed the complaint without resolving the issue as stated in their response on the CFPB website. This issue needs to be resolved immediately. 

Under 15 U.S Code 1681c-2 ( a ) the law states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Experian has violated the law and is well over 4 days after receit