23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I recently discovered I have only been on a " interest-only '' payment with XXXX XXXX or as they are now calling themselves, Navient. The interest only payment is {$630.00} dollars a month! I make {$40000.00} grand a year and owe {$130000.00} in student loans so I immediately called them to ask them for a lower payment plan. They old me that I do not qualify because I " make too much money. '' I then told them that I have been in conversations with bankruptcy attorneys because of my student loan debt. They told me the only way they would even consider lowering my monthly payments and my current interest rates of 11.5 % is if I do actually file for bankruptcy. This is an absolute joke. These private loan lenders are sucking the working class dry and robbing us of any hopes of a future. I ca n't even move out of my parents house because my " minimum principal '' payment is {$1100.00} per month until I am XXXX years old. I am currently XXXX, how is this even legal? Legislation needs to change IMMEDIATELY regarding private loan lenders, especially XXXX XXXX. They are the biggest loan sharks I have ever dealt with in my entire life!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. 
It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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 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 XXXX
Product: Mortgage

We are purchasing a home from XXXX who is using Caliber Mortgage to service the loan. At this point we have been in the process for 4 months. This is a VA loan and my husband is the veteran. Essentially they have had our finances as a XXXX  and us because we can not do anything. We have signed so many closing disclosures that I can't keep count. They can not get our down payment straight and have jerked us around and all over the place. XXXX underwriters have done everything that they can to help us. Caliber underwriters have kept us from closing for months now. It seems they don't want to close the loan. Luckily XXXX has allowed us to live in the house so we aren't homeless.
Product: Mortgage

I am writing to acknowledge US Bank Association. XXXX XXXX XXXX XXXX XXXX with XXXX XXXX ID XXXX under loan officer XXXX XXXX XXXX with NMLS LIC ID XXXX is delaying and/or depriving me of a reasonably opportunity to get my mortgage refinance, which started at end of XXXX, to be completed and evaluated, loan ID XXXX. I receive a refi in XXXX and did not have to submit same information repeatly and for some not at all, like they are doing in this current refi application. They have changed my loan estimate documents twice changing numbers like est property value and est cash to close to fit their agenda. I have paid consecutively before time my current mortgage payment for seven years and have a credit score above 700. I feel they are not treating my application as a facially complete that your Regulation X and CFPB Act gives me that right. They are injuring me with additional closing cost fees, delaying and/or impairing my ability to obtain the benefits of a refi loan option at this time, along with a lock interest rate that will expire XX/XX/XXXX. With people losing their jobs due to COVID by the thousands, I feel their deliberately delaying of my application waiting for this to be my faith or like kind so they can deny my refi loan application. This is ethically wrong as hard as we Americans work to keep our home affordable. To get this matter look into before my lock in interest rate expire will be XXXX  lead and whoever choose this samaritan deed of the season may blessing over take you for such goodness that is needed at this time. 

XXXX XXXX XXXX, Refi victim
Product: Credit reporting or other personal consumer reports

This complaint is against XXXX, XXXX and Experian. These companies are not complying with their own policies in a timely manner. The investigation has taken longer than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent account has already been removed off ALL consumer reports back in XX/XX/XXXX and was illegally reinserted on consumer reports on XX/XX/XXXX. Pursuant to 15 USC 1681i ( b ) ( ii ) no consumers were notified no later than 5 business days after reinsertion this is well over 5 business days. This is a fraudulent account and has been deleted from all consumer reports before, therefor this is inaccurate reporting to the consumer report agencies and your company Rent Recovery is willfully performing identity theft, and violating my consumer rights by furnishing this account to the consumer reporting agencies. 

I have attempted to resolve this matter by mail in which your company signed this document, and ignored my request and correspondence. Delete this account immediately, cease and desist all forms communication through any and all mediums, and terminate further alleged debt collection efforts. Furnishing deceptive forms on my behalf as the consumer is in fact violation of FDCPA, and is considered communication with the consumer when notified to cease by the consumer. This is my FINAL time invoking my specified remedies as the consumer pursuant to 15 USC 1692c ( c ) ( 2 ) before I seek litigation.
Product: Debt collection

This company accelerated, has been trying to collect money for a debt that is not mine. I asked numerous times for them to provide proper verification and they have failed to do so. They continue to harass me saying I have to pay them {$1400.00} when I never owed this amount to anyone. 
Please remove this from my credit portfolio as it isnt mine
Product: Credit reporting or other personal consumer reports

Expierian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ammend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Employer - XXXX  XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Mortgage

My original loan was with OCWEN who transferred ownership of my loan to PHH on XX/XX/XXXX. My ex-wife was removed from my mortgage as of XX/XX/XXXX due to reorganizing the loan and her chapter XXXX discharge along with a quitclaim. The first year and four months PHH had control of the mortgage my ex-wife was still off of the loan, but around XXXX of XXXX they started putting her name back on everything. l contacted them several times about correcting it but they didn't. I n XXXX of XXXX I filed for a mortgage modification that was approved. I made the final trial payment in XX/XX/XXXX and am still making the regular payments for the modification. However, when they sent me the final modification documents they had my ex-wife 's name back on the mortgage. I did the same thing I did with the Modification application and crossed her name out and initialed it, signed and had it notarized. I sent the modification back to PHH along with the documentation from OCWEN ( OMBUDSMAN ) showing that her name was removed and why, along with a letter and all the details and asked them to forward it to their legal department. I also sent several emails explaining this and asking them to call me or set up a phone appointment to go over it. I never got a call, but they did send me another blank copy of the modification because the first was altered. The new one still has her name on it and I would be committing fraud by signing it. I have tried my best to get this corrected on my own and do not want to file a law suit, I just want the documents fixed. I can provide you with all of the documents upon request, including almost a year and a half of correspondence with PHH, bills etc. showing only my name on all documents until XXXX of last year. I don't know why they changed it, and they won't address it, but when they bought my mortgage from OCWEN they bought all of the details with it.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXXsubmit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus Experion stated that my account was properly investigated by XX/XX/year> ; but failed to close out the complaint with the CFPB. Check my Credit Report with My Credit Score XXXX  on XX/XX/year> in ( Comments ) there wasn't a " Consumer is Disputing '' which is a direct Violation of the FCRA 623 ( a ) ( 3 ) 15 U.S.C.1681S-2 ( a ) ( 3 ) and the FDCPA 1692 ( 8 ) ( Fail to Mark Consumer 's Account as Disputed for the duration of the 60 days and 30 days in dispute ). This is grounds for removal and penalty of violation.

FCRA 623 ( a ) ( 3 ) 15 U.S.C.1681S-2 ( a ) ( 3 ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) ( 2 ) Duties of Person Taking Certain Actions Based on Information Provided by Affiliate ( A ) Duties, generally. If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( c ), the person shall 71 615 - 15 U.S.C. 1681m ( i ) ( ii ) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause ( ii ) ; and upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request. 

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering
Product: Credit card or prepaid card

I tried to buy a XXXX XXXX XXXX on XXXX on XX/XX/2021. The listing made by XXXX was flagged as suspicious and thus removed by XXXX. I contacted Paypal Credit to report that the listing was removed by XXXX for that reason and to start a dispute. Paypal credit supposedly tried to contact me, that never occurred. I used Paypal credit to pay for the purchase and even though I reported the problem, PayPal credit refuses to fix the dispute. If XXXX removes the listing, where did the money go? This has been a recurring nightmare with XXXX and Paypal credit, they have fixed the previous 2 occurrences but this one is taking extremely long and I've been paying on this debt even though I did not get what I purchased. Basically, XXXX has become a lair of scammers and the supposed purchase protection is a complete lie. If a listing is removed why did they still charge me? Why does Paypal credit still payout if the listing is flagged as suspicious? I have wasted over 12 hours on phone calls to Paypal credit, to XXXX and nothing has been done, can your agency help me?
Product: Checking or savings account

Went to the branch with a copy of the front & back of paid item showing it negotiated by a party other than the payee. Requested that they return the check for lack of a proper endorsement. The manager stated it was not the bank 's policy to return the item and that the " injured party '' or payee had to come to the bank to file and notarize an affidavit. 
This is my company 's trust account. The funds were due the payees per a contract. The bank is allowing an illegal act to be perpetrated by not returning the check to whomever accepted it from the party to whom the funds were not due.
Product: Mortgage

My property includes two permitted houses : one a manufactured home, and one stick-built. I bought the property in 2003, living in one unit and renting the other. For the past five years, I have been trying to refinance my original loan, but in spite of excellent credit, etc., I am being prevented from taking advantage of low interest rate refinancing. 

I had no problem getting my original loan, but now all loan brokers turn me down, because XXXX and XXXX do not have a " guideline '' for lending to this type of property. They have a " guideline '' for residential property with two manufactured homes, a " guideline '' for two stick-built homes, but no " guideline '' for a property with one of each. 

I have tried to contact XXXX and XXXX but did not get very far. One broker even lodged a request with XXXX and XXXX to develop such a guideline. She said that there have been multiple requests for this action over the past few years, with no results. 

I have no idea how else to pressure the agencies to resolve this issue, but I am extremely frustrated at being stuck in a higher interest rate loan, and not being able to secure a refinance or a HELOC, especially as I near retirement age.
Product: Mortgage

Hello, I am writing to request your immediate attention and assistance regarding my home loan application process with First Citizens Bank, which commenced with an opening of escrow on XX/XX/XXXX. Despite satisfying all contingencies associated with the application, I have encountered significant obstacles and lack of clarity, specifically concerning the final and critical loan contingency. 

My journey with First Citizens Bank 's first-time home buyer program started promisingly, with an initial pre-approval. However, the ensuing process has been marked by inefficiency and a lack of transparency, leading to considerable distress. A recurring issue has been the repeated requests for documentation that had already been submitted, highlighting a concerning disconnect in communication between my loan officer and the underwriting team. 

The loan, necessitating detailed scrutiny, has been delayed significantly, particularly regarding an inquiry into my past payday loansa debt category I have responsibly cleared. The anticipated closing date of XX/XX/XXXX has passed without any definitive update on my loan 's status. Despite my proactive efforts to communicate with both the loan officer and their manager, I have been met with evasive responses and no concrete information regarding the underwriting decision. 

Moreover, the discovery that the loan is now deemed unwarrantable came as a shock, especially after incurring expenses of nearly {$2000.00} on inspections and appraisals. This revelation is alarming, considering all other aspects of my application have been satisfactory. It raises serious questions about the banks due diligence and the integrity of their process. 

This experience has left me with undue stress and XXXX. Therefore, I am seeking the CFPB 's intervention to facilitate a prompt and transparent review of my application. I respectfully request a clear and detailed update on my qualification status, and if there are grounds for disqualification, I ask for a comprehensive explanation consistent with First Citizens Bank 's official policies and procedures. 

Your intervention is crucial in ensuring that my consumer rights are upheld and that the principles of fairness and transparency in the home loan application process are maintained. I trust that the CFPB will address this matter with the seriousness it warrants. 

Thank you for your prompt attention to this pressing issue. 

Sincerely, XXXX XXXX
Product: Student loan

I was told in XXXX the only option I had to help with payment was too do the student loan forgivness plan. Which has currently came into a lawsuit in XXXX. With the pandemic I was told I wouldnt need to make a payment until further notice or at all. Today I recieved an email saying I would have to make a payment on 2 days time of XXXX dollars. However even though I have tried to make contact with XXXX thru my account online I am told account doesnt exist. 
Being out of work for over a year due to pandamic and unable to find work at the cirrent situation unless I want to work fast food, i am unable to make a payment. 
I feel like I am being coerced into high XXXX for something out of my control and also I was told until further notice or not at all. I was not given acceptable time to make payment arrangement.
Product: Credit card

I filed a complaint a week ago regarding American Express contacting my spouse without my concent. They then said they took that number off there screen when I called them. I NEVER authorized them to use any other numbers other then the one I provided when opening the account. I want documents showing that I authorized my spouse cell number to be added to my account. By law they should not be contacting anyone or using any numbers i have not provided. So you telling me if I contact American Express from a public phone they going to call that # and release my information? I want all documents and recordings of my calls to be sent to me with American Express paying the expense to send them to me. Or I will have my attorney draw up paper work to obtain that information, then I will go puiblic to social media, news channels, to show them how careless and unprotected american express is with its customers information and privacy. I will fight this till American express admits it screwed up on contacting someone else other then the card older. As a result of them contacting my spouse it caused us to split up, and i will sue for damages if needed.