23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a Sallie Mae borrower currently experiencing financial hardship due to unemployment. I contacted Sallie Mae in XX/XX/year> to request an extension of my forbearance or access to lower repayment options before becoming delinquent. I was granted only two months of forbearance and told that no other assistance could be offered until I miss a payment and go into delinquency. 

Multiple representatives, including a member of their escalation team, from XXXX - XX/XX/year>XXXX  informed me that their repayment assistance and collections teams are the same and can not do anything further until 6 days after a missed payment. I explained that I want to avoid delinquency, protect my credit, and maintain good standing, but I was told I must become late before any further support could be discussed. 

It seems extremely unfair and damaging that Im being forced into delinquency just to access support I am seeking proactively. I believe this is poor business practice and could lead to unnecessary harm to my credit profile and loan standing, especially since my unemployment is temporary and I am actively seeking work.

Im asking Sallie Mae to offer a good-faith extension of forbearance, or to provide access to a lower payment plan ( such as interest-only or {$25.00} fixed payments ) to help me stay current. I am willing to work with them but I should not be penalized for trying to stay ahead of the problem.
Product: Credit reporting or other personal consumer reports

I am under a chapter XXXX and Experian is still showing balances on all of my accounts which has been the main reason Ive been denied for housing all of my account should be a XXXX balances
Product: Student loan

Transunion is reporting unverified student loan accounts on my credit report. I initially contacted Transunion, in writing ( see Attachments ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally not conducted any business with any of the parties involved with these accounts, and know the debt does not belong to me. 
Transunion responded to my request for a signature bearing document with a letter ( See attachments ) stating the debt was verified and it belonged to me. None of the information provided by Transunion bore my signature or any other validating evidence linking me to the debt. 
Information reported by the 3 major Credit Bureaus vary greatly and makes it very difficult to trust the validity and accuracy of the information provided by XXXX, Transunion, and XXXX. Case in point Transunions response shows the payment history of the Dept of EdXXXX Accounts going from being OK to being 90 days late from XXXX. This is also the period of time where the account was being handled by a difference servicer called XXXX XXXX XXXX ( since XXXX  ) and was no longer being serviced by Dept of Ed/XXXX  ( see Attachments ). When I contacted the XXXX XXXX  XXXX to try and resolve the issue they referred me to a debt collection company called XXXX XXXX XXXX. I have attempted to contact XXXX XXXX XXXX but as of yet have not received a response. 
Through all of this, not one of these companies have been able to provide me with any verification or evidence proving this debt is mine. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties these companies are damaging my reputation and credit worthiness. All of these discrepancies serve as proof the information being reported on my credit report is not accurate, nor is it being properly verified by in accordance with the law and needs to be removed. The practices of the aforementioned companies are highly predatory and violate the FCRA ( Fair Credit Reporting Act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer/ natural person/ living man, I am enforcing my rights. 
EXPERIAN is in clear violation of the law of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports. I did not give EXPERIAN written permission or consent to furnish any accounts or information on my consumer report, this is called identity theft. Violation! According to 18 USC 1028A, EXPERIAN knowingly transferred, possessed, and used my identity without my consent. 

Furthermore, EXPERIAN is in violation of 15 USC 1681e ( e ) ( 1 & 2 ) According to the law, EXPERIAN must produce the permissible purpose, they must also certify it and send me disclosures. 

And further, EXPERIAN is in violation of the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states that transactions and experiences are not to be included in a consumer report. 

And further, EXPERIAN is invading my right to privacy and isnt adhering to 15 USC 1681 ( a ) ( 4 ). 

And further, EXPERIAN is in violation of 15 USC 6801 - Protection of nonpublic personal information. EXPERIAN is obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that. My information is not a matter of public records. 

And further, EXPERIAN is in violation of 15 USC 6803 ( a ) - Disclosure of institution privacy policy, where they did not provide to me clear and conspicuous disclosures of their policies and practices. 

And further, EXPERIAN is in violation of 15 USC 6802 ( b ), I was not given the opportunity to direct that these accounts not be disclosed on my consumer report and they did not give an explanation of how I can exercise that nondisclosure option. 

The following is the account name and numbers that are illegally being shown/reported on my consumer report : XXXX Account number XXXX Account number XXXX
Product: Mortgage

On XX/XX/XXXX, I signed a Home affordable modification agreement with XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, XXXX, NJ and the agreement is stated my term of eligibility and what my deferred price of a balance due of maturity and the agreement it states that the principal reduction feature which may reduce the deferred price of a balance in three equal installments of XXXX In accordance with section 3C of the agreement provided that the bar remains eligible for the principal reduction for the time. Specified a section 3 of the agreement Ocwen Loan Servicing LLC-Payoff fail to old up the end of the bargain now the pivot is such XXXX XXXX to XXXX XXXX the principal balance was $ XXXXNo adjustment will be made says this was the trial phase from XX/XX/XXXX to XX/XX/XXXX, {$58000.00} will be deducted and that will leave me a balance of {$110000.00} ( 1st deductible ) The 2nd deductible of XXXX us from XX/XX/XXXX to XX/XX/XXXX and the balance would be XXXX and the 3rd installment {$58000.00} from XX/XX/XXXX to XXXX/XXXX/XXXX the balance is {$000.00}. 
Ocwen Loan Servicing, LLC has failed to hold up their end of the bargain and refused to credit My account. I filed a complaint before regarding this matter. 
Ocwen Loan Servicing LLC then transfer the loan to PHH Mortgage Services akaXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NJ XXXX on XX/XX/XXXX 2020
Product: Debt collection

Just got a letter from:Webcollex LLC DBA CKS Financialoriginal creditor: XXXX XXXX XXXX Brand:  XXXX XXXX XXXXsaying I owe $XXXX, but This was part of identity theft that happened in XX/XX/2014 and I filed a police report and FTC report, but these people keep going after me.
Product: Credit card or prepaid card

I had an issue related in the past, mailing in my payment to Citicards. This recent time, i mailed them a payment for my whole balance XX/XX/XXXX and when a week went by and it still wasn't applied to my account i tried to ask about via chat on their website, the representative was very unprofessional and didn't seem to want to take the time to research if my payment was indeed received. She just told me to cancel the check and send another one. I told her i didn't want to do that at such a late time. I tried to call and chat a few other times all not seeming to know how to help me or unwilling to. I finally was forced to pay again online the Friday, XX/XX/XXXX for the full payment i stopped payment of the check Monday, XX/XX/XXXX and of course after they " received '' the check. I had lodged a complaint on their fb page and entered a case where i was told i was going to get a response 2 days later. A week and half later they send me a canned letter response recounting that they received a check that was stopped payment on and if i want my payment to be received faster i need to pay for expedited shipping. I feel they had the payment and were not processing it as they are trying to push me to get paperless and autopay, they repeatedly send me emails telling me to get it and once switched my account to paperless without my permission. Their customer service is very bad and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been taking money directly out of my work check for several years but they have been reporting to the credit bureaus late payment history and it's hurting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.
Product: Credit reporting

I tried to get my annual credit report from XXXX, but all it said after I filled in my information was the vague : " A condition exists that prevents Experian from being able to accept your request at this time. '' A web search shows that a number of other people have encountered this as well. I 'm not sure whether I should even bother trying phone or mail, since the error message does n't say whether the error is temporary. 

I also tried to contact them on their contact form, and that was difficult since their form rejects line breaks and most punctuation, then kicks you out after XXXX tries!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Information on Credit Report Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction, this issue remains unresolved. Below is a summary of the errors and discrepancies associated with my account : Summary of Errors and Discrepancies : Inaccurate Late Payment : TransUnion and XXXX are reporting a 30-day late payment in XX/XX/year>. This information is incorrect as all payments were made on time, supported by the attached evidence, including bank statements and account transaction records. 
Inconsistent Reporting Across Bureaus : While XXXX corrected the late payment after my second dispute on XX/XX/year>, TransUnion and XXXX continue to report the error. 
Failure to Verify and Update : The credit bureaus failed to adhere to their responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer information. This includes not properly investigating or correcting the dispute. 
Background : I initially disputed the inaccurate late payment on XX/XX/year> and submitted a follow-up dispute on XX/XX/year>. While XXXX promptly resolved the issue by removing the incorrect late payment, TransUnion and XXXX have neglected to make the same correction, causing undue harm to my creditworthiness. 
Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of an inaccurate late payment violates this requirement. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The erroneous late payment reporting has caused financial harm and reputational damage.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, which has not been upheld in this case.

Desired Resolution : Immediate removal of the inaccurate late payment notation from TransUnion and XXXX. 
Written confirmation of the correction from XXXX. 
Assurance that my credit report is updated to accurately reflect my payment history across all bureaus. 
Failure to resolve this issue promptly will leave me no choice but to escalate my complaint further, including legal action and filing additional complaints with relevant agencies. Please address this matter urgently to prevent further harm to my credit profile. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I had my closing on XX/XX/2022, I received the Closing Disclosure ( CD ) from XXXX XXXX ( Loan Officer ) on Tuesday evening XX/XX/XXXX, after he had been promised to deliver the CD to my wife and myself on Wednesday XX/XX/XXXX, that's basically one week later, every day I called XXXX XXXX about sending the CD, He kept saying that I will send it to you guys in an hour, until that Tuesday evening on XX/XX/XXXX. 
When we finally received the CD, we reviewed it, everything ( the higher interest rate, exorbitant and unjustified charges, no buy down ) on the CD was completely different from what that was promised to us by XXXX XXXX and from what from what that was in the Loan Estimate. 
Our concern is mainly on the Closing Disclosure on the second page, under A. Origination Charges, # 1 where we are charged 2.25 % of Loan Amount ( points ) for a total of {$7200.00}, we asked XXXX XXXX why the fee was, he could not give us a clear explanation, he finally told us that, we are charged that fee because we paid 20 % down, which we thought was a bogus explanation. 
When asking XXXX XXXX to change that, he said if he send the CD back to the underwriter, we will not be ready to close on XX/XX/XXXX, us he also known that the builder was going to charge us {$300.00} a day until we are able to close, if we go in default of closing on the date provided. 
We felt like we were played and taken advantage of, we just want our hard working money back, especially XXXX XXXX put us on a very high interest rate 6.125 %, and that our attorney advised us to file a complaint before escalating the situation further. 

Thank you, if there are any questions do not hesitate to contact us.
Product: Credit card

XXXX Account Number : XXXX XXXX Case Number : XXXX and XXXX I authorized a XXXX card payment of {$360.00} on XXXX XXXX, 2016 during a telephone call to a XXXX XXXX XXXX, representative of " XXXX ''. The {$360.00} payment was with respect to a 20 % deposit for a cruise vacation package. I was prepared to risk loosing this {$360.00} payment, as there was a possibility that work commitments could prevent me from taking the vacation. 
( I have no dispute with " XXXX '' or Capital One with regards to this {$360.00} amount ). 
My dispute is based on the fact that on XXXX XXXX, 2016, without my authorization, " XXXX '' took the balance of {$1800.00}. It would appear that the " XXXX '' representative simply choose to process the {$1800.00} payment on XXXX XXXX, 2016, using the XXXX card number details that had previously been provided. 
During our XXXX XXXX, 2016 telephone conversation, XXXX XXXX XXXX, agent for " XXXX '' was adamant that I had provided necessary authorization during our initial XXXX XXXX phone call, and advised that a refund would not be made. It would appear to be a case of XXXX XXXX XXXX 's word verses mine. 
When you phone the " XXXX '' telephone number ( XXXX ) a pre recorded message advises that the telephone call will be recorded. Therefore, if " XXXX '' are operating in accordance with their own procedure, they will have a recording of said calls. 
On at least three separate occasions, I have made written requests to XXXX for them to request " XXXX '' to share telephone recordings, in order to establish the validity of XXXX XXXX XXXX 's claim. 
I have made several requests to XXXX for the return of {$530.00} owing. XXXX has responded, saying that they are unable to assist, and assigned a " case closed '' status.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my balance in full so I could make a new purchase due to an issue with another furniture retailer. The next day my full balance was not made available to me. When I called I was transferred a few times before I could even speak to someone in US, which I had to specifically ask for. Once finally speaking to someone in the US ( XXXX XXXX XXXX )  explained they can not remove a 10 day hold on a payment for new accounts for the first 6 months. I said that wasnt a fair policy and would like to speak to manager and she said it was in my terms and conditions I signed and she was a manager. I asked to speak to her manager and I was told Id have to wait 24-72 hours which defeated the purpose of making the purchase the same day. Additionally she told me that no one at the company could override their policy. XXXX continued to be rude and combative all while denying she was being disrespectful and in fact then insulted me. Im XXXX and just needed a new bed frame right away given we had several issues with another furniture retailer so, we had no bed for 2 weeks and Mattress Firm was willing to help us and ship next day but, Synchrony Bank wouldnt allow my payment hold to be lifted. My account was paid in full and this seems like an unfair and deceptive practice. I asked to lodge a Presidential complaint and XXXX told me she could give me an address to write a letter and when I asked for an email address to send my complaint about the whole interaction she said they dont have one. I cant believe a bank would operate in this horrendous way and not try to help its customers, especially during these trying times.
Product: Credit reporting or other personal consumer reports

I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me financial hardship. I'm demanding proof of documentation showing permission/consent with signature. please help in removing/deleting these inaccurate items as listed below : XXXX XXXX XXXX XXXX / account # XXXX / BAL {$15000.00} / opened XX/XX/year> inquiry- XXXX XXXX XXXX XXXX  / XXXX inquiry- XXXX / XXXX inquiry- XXXX XXXX XXXX XXXX / XXXX I find these to be in violation of 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

15 USC 1681E A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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, GA XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX : {$960.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1900.00}
Product: Credit reporting or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX and TransUnion credit bureaus. 
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX.
Product: Mortgage

Mr Cooper had failed numerous times to correct errors. There is a supremacy clause in all of these quasi government contracts where stipulation essentially is that these business needs to recognize the fed laws etc when it supersedes policy state laws etcXXXX I go to my va house rep who told me on this Va guaranteed loan all I have to show is the ability to pay the loan and apply I will be accepted TWICE ive shown this company more than enough money to get me out of my situation on for them to say that even I shown affordability since I could produce documents showing excess income the modification isn't accepted which is the opposite to the right im entitled to for relief and they never EVER acknowledge nor investigated this after over a year of complaints