23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This auto loan was financed at XXXX in total the initial down payment was XXXX XXXX in cash the finance lender received XXXX in total from a period XXXX until XXXX the interest rate of loan is XXXX and a 72 month contract the principal amount of car is XXXX combined interest of XXXX it equals XXXX upon asking as a consumer for pay off request the sum of XXXX was quoted in XXXX and the lender informed me verbally on a recorded statement that pay off request dont include interest penalty fees or late charges then in XXXX the pay off request changed from XXXX, to XXXX mysteriously when asked as a consumer I was told there is penalties fees and late charges this is consumer fraud
Product: Mortgage

Ally is my investor, and I have been attempting to complete a loan modification with my service provider XXXX for over a year. They sent me a loan modification approval but each time I called they never acknowledged it until I sent a compliant to both XXXX and Ally. I was then provided the loan modification trial period which normally is a three month period and I paid for 6 months because they would not send me my final Loan Modification to sign. After I contacted XXXX corporate they then paid attention and sent out my final loan documents for signature In XX/XX/2018. I called XXXX, reviewed the terms, especially the amount forgiven with the HELOC department manager, XXXX XXXX and told him that I would sign the documents and return them. For four ( 4 ) months I called XXXX because their system did not reflect the new terms. I was always given the same answer " we are working on it. '' I finally filed a complaint with the OCC on XX/XX/2018 and was contacted by XXXX XXXX. They have taken from XXXX-XX/XX/2018 to " work on loan update '' and then on Thursday after speaking with XXXX XXXX she informed me that " new '' loan modifications were sent out to me and that she wasn't sure but my forgiven amount was not forgiven and now deferred. She did not understand but when I received them that I should call her with question after I reviewed them. There was no explanation attached but a due date to return the signed documents. I have already signed my loan modification papers and returned them with other terms. 

XXXX has been unprofessional in handling my loan. There has not been an error in my part and have signed my final loan modification papers. 
I am attaching : 1 ) Complaint with OCC 2 ) XXXX Loan Modifications papers signed 3 ) XXXX Loan Modification papers just received ( I highlighted the additional deferred text )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a  XXXX  's credit card in which I also purchased insurance for back   XXXX   XXXX  . The insurance was to cover and pay my bill in full in the event of job loss, injury, etc. According to the creditor, the account was closed in   XXXX   which is correct because I lost my job and applied the insurance I would not have been responsible for the bill in which the insurance DID PAY. I made the payments that were required by me until the insurance paid the bill in full. However the creditor is showing on my credit report that I had a  30 30 60 90 l ate payment in  XXXX  after 6 months in which I was no longer responsible for the bill . Two thin gs are wrong here the contract by the creditor was breached and the reporting is inaccurate. I have called the credit reporting agencies and the creditor and this is still showing incorrect on my credit report. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a XXXX XXXX XXXX data breach, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquiries and accounts ... XXXX also attached supporting documents. 

Fraudulent Inquiries and Date of the inquiry 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: Student loan

CFPB Case XXXX is still in process since XXXX of XXXX - last status is that responses are due withing 60 days of XX/XX/XXXX it is now XX/XX/XXXX and the response is late, what is CFPB doing to hold XXXX XXXX responsible for resolution?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian makes it so much harder that any other agency to remove a fraud alert. First they make it near impossible to reach a human being, I was only able to do so via XXXX, where I was provided 2 alternatives. One was a website link that apparently doesn't work well on mobile devices ( won't upload supporting documentation ) as if every body in  America owns or even care to own a computer. After at Least 10 tries I have no choice but to give up that choice. The second  alternative is to send via post mail a long list of sensitive documents ( copy of photo ID, copy of social, proof of residence, hand written letter requesting removal ) which I rather not send over mail, and as if every one in America owns a printer. I had no issues getting this done over the phone with the other bureaus. I just had to off course verify my personal info and fraud alert was removed, which was, by the way, undone by experian automated system, who added 6 mos of fraud alert & shared that with the other bureaus, as I was trying to reach a human being to discuss having the existing alert removed. Needless to say now I'll have to contact XXXX & XXXX  yet again to remove that 6 mos alert experian so gracefully added, and haven't gotten nowhere with experian yet. The phone number provided only takes you in circles.
Product: Debt collection

At XXXX XXXX  on XX/XX/2020 I received a phone call from a lady saying she was from XXXX XXXX. She asked if she could speak to XXXX XXXX and I identified myself as XXXX XXXX. She did not identify the company as a collection which by law they are suppose to. All she stated was they had some papers in their office submitted for final review. I asked what this was in reference to. She stated before she could proceed she had to make sure she was talking to the right person. I identified myself as XXXX XXXX, I will not give out personal and confidential information without knowing what the matter is about. I asked again what this was in reference to and she stated when she verified she had the right person and I stated I identified myself as XXXX XXXX. After she would not tell me what it was in reference to I disconnected the call. Also I have a very serious medical condition and can provide docuimentation to the CFPB if necessary. I have an XXXX  in the XXXX  XXXX and if my XXXX XXXX spikes to a certain point the XXXX  will XXXX  and I am XXXX  in two minutes. Such undue stress as this will cause that. The number the lady was calling from in the phone id data base I have is registered as a XXXX or XXXX  voice number. the number is XXXX.
Product: Mortgage

I am being assessed a {$10.00} fee for paying my mortgage on the XXXX of the month. I am making my payments online through the mortgage site. There is a {$19.00} fee for contacting the mortgage directly. Is this legal?
Product: Debt collection

This collection company is trying to collect a fraudulent debt that is disposed/discharged as a judgement in 2012. 
The debt is no longer collectible according to the court records. It also has not been properly validated. 
I called The company and they are even trying to collect even more than the original amount of the debt which was {$3100.00}. They are trying to Collect {$6300.00}. This is illegal and is violating the fair debt collection practices act and the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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: Credit reporting, credit repair services, 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. I informed Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ) ( XXXX ). However they stated everything was complete and accurate. That is impossible if the open date, balance, date of last activity and a few more items are incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isnt reporting 100 % accurately or repotting incorrect. 
15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604A.2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c, ( a ) ( 5 ) 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 7 years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act. These hard inquiries have hurt my credit, and violated my rights. These are the inquiries that have lowered my credit score. 

XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written permission, so these inquiries we're done illegally, because I did not give anyone permission to pull my credit.
Product: Student loan

I changed my payment plan for my student loans to the Standard Repayment Plan, after being on income-based plans for a number of years. I intend to make qualifying payments so that I eventually qualify for Public Service Loan Forgiveness. After I changed to Standard, I received an email from FedloanServicing stating, " You need to select an eligible repayment plan for your payments to count for Public Service Loan Forgiveness. '' and " You need to change your repayment plan as soon as possible to ensure that any future payments you make count towards PSLF. '' From my research, I understand the Standard Repayment Plan to be a qualifying plan for PSLF, so I am confused by this letter, and I do not want to make payments that are not qualifying.
Product: Payday loan, title loan, or personal loan

Hello, My name is XXXX XXXX and Im a victim of a company called Blue Trust Loans. They initially deposited {$1400.00} into my account and I told them I can pay it off in three payments. After the third payment I noticed they were still debiting my account twice for XXXX, then I immediately contacted XXXX of XXXX and they placed a temporary block and temporarily placed the funds back into my account. On XX/XX/XXXX, XXXX XXXX XXXX claims my information did not arrive in a timely matter ; however, my letter was fax to XXXX   XXXX XXXX on XX/XX/2019 with a OK confirmation. So Blue Trust Loans is using the old bait and switch deception to think you signed documents for 6 payments, but I clearly was shown my 3 payments : # 1 XXXX. # 2 XXXX and the final payment was for {$250.00}. Please investigate this company Im a XXXX Veteran who lives on a fixed income and cant afford to lose any money. I requested to see the contract I signed to no avail. They told me it could take up to 45 days for them to receive those documents, and as of today I have not received anything from this predictory lender. 

Thanks in advance
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a debt collection is reporting an account over 7 years from the first missed payment that led to the charge-off from original creditor which was XXXX XXXX. Please see 15 U.S. Code 1681c ( c ) that explains the lawful reporting period. Essentially the statute states that the reporting period is based on the delinquency that precedes collection and charge off. The date opened ( when the collection agency assumed the deb ) does not change the date of the start of the delinquency. Based on the before mentioned statute, this collection was supposed to be removed and no further reporting to the credit reporting agencies as of XX/XX/2024. XXXX, Experian and XXXX XXXX are both complicit in this false reporting are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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: Vehicle loan or lease

. My vehicle was repossessed ; however, I did not receive any notice or correspondence regarding the repossession. Despite this, a balance is now showing on my credit report. I kindly request verification to ensure all information reported is accurate and that proper protocols were followed in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The about isnarpund XXXX something i have no idea wjat this is i also did not give any qritten concent for anything that is on my credit report! Every single thing that is being reported on there i have not given written concent and it is against the law. And i need to be deleted asap. All debt is obligations of united states. 12 us code 411 all federal reserve note obligations are obligations of the XXXX XXXX. 31 us code5118 a 2 your federal reserve note problems are not my problem but the problem of the united states treasury. And i need all of it taken off and deleted. Also i will file with the ftc. For soliciting my personal informacin between companys i did not give written concent to any of the companys.
Product: Mortgage

I have spend the last 6 months under contract on a house. I was pre-approved for financing on my purchase. We had a clear inspection, appraisal, structural engineering report, everything was supposed to be good to go. Finally at the end of the line we were supposed to close, until my lender notified me that the underwriter would not accept the appraisal. The underwriter stated that there were not enough comps to support the loan. After talking to the appraiser, they believed the appraisal was good and needed no changes. Now I 'm stuck not being able to close on a house I 've been on contract on for 6 months, after spending thousands of dollars on the inspection and appraisal and various other fees.
Product: Student loan

I am part of the loan forgiveness program, after I make 120 payments on time I should have my loan forgiven. I have made 70 qualifying payments, the computer says I made 47, I have been calling for 14 months and they always say they are working on fixing the problem, but 14 months and I have no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1992 Dear Sir/Madam, I am writing this letter in regards to several negative items appearing on my credit report related to various accounts that have been charged off, late payment accounts, and collection accounts. The following accounts are the ones I am disputing : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account I dispute the accuracy and completeness of the information reported by your organization regarding the above-mentioned accounts. I believe that there are errors in the information that has been provided and that they have been reported in violation of my consumer rights. 



I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) states that any information reported to the credit bureaus must be accurate, complete, and verifiable. It is my right to dispute any inaccurate information and to have it corrected or removed from my credit report. 



I also believe that the reporting of this information has caused significant emotional distress and hardship for me. I request that these negative items be removed immediately as they are affecting my credit score and financial well-being.

I request that you investigate these accounts and remove any errors or inaccuracies that you find. Please provide me with written confirmation of your findings and any action taken. 



Thank you for your prompt attention to this matter. 



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

on XX/XX/13 I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since Citi never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with CITI AGAIN. When you call this company and speak to different people you get different answers to your questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, CCB/CHLDPLCE, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, CCB/CHLDPLCE,  and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 fraud applications with XXXX on XX/XX/2022 and XX/XX/2022. 
1 fraud application with Citi on XX/XX/2022.
Product: Mortgage

My name is XXXX XXXX XXXX with XXXX XXXX XXXX XXXXXXXX. I submitted a loss mitigation on behalf of XXXX XXXX after XXXX relief pre-payments. 
The trial payments were given on XX/XX/XXXX. XXXX XXXX XXXX did begin making payments since XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
A complete modification of mortgage was given to XXXX XXXX XXXX from Mr. Cooper on XX/XX/XXXX, on XX/XX/XXXX XXXX XXXX XXXX came into my office and signed the modification in my office. 
I put the modification papers on a XXXX XXXX and he said he drop it in a XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX was going to make his online payments and was block from doing so. Until he received a letter that the XXXX package never left XXXX. 
On XX/XX/XXXX I sent as per Mr. Cooper Request another modification application with all the documents requested and send the same via email, to no avail. On XX/XX/XXXX the servicer was changed to RightPath Servicing and the only intent here is to take XXXX XXXX home into foreclosure. 
This is not the time to take away homes, this is the time to reviewed what it was sent and provide help to homeowners. 
Regards, XXXX XXXX XXXX
Product: Student loan

I can not afford to continue making my full monthly payments to Navient. When I called the company to request a reduction in payments, they stayed my income was too low per month to qualify me for reduced payments. I explained that with my current income I can make payments every month, but not at the current high rate I am being charged. They then informed me forbearance was my only option. This is not something I want, as I want to continue paying on my loans however I can no longer afford paying XXXX dollars per month.