23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a VA loan and our servicer is XXXX. Our property is in Maryland and currently being used as a rental property, we occupied it for 2 years and got PCS orders elsewhere. We intend to reoccupy the property in 2 years when we get sent back to the area. 

We were in forbearance last year due to the XXXX pandemic and our renter who stopped paying rent. We were unable to evict, due to restrictions at that time. We were in forbearance until XXXX of this year, when the tenants lease was up and they vacated the premises. 

We were told from XXXX representatives all last year that with the VA loan, we just needed to modify the loan to roll the missed payments into the end of the loan. We have several recorded phone calls stored of different representatives telling us the same thing in that regard. 

We called XXXX in XXXX to get the account back in good standing. The representative told us to make a payment in XXXX and they would send us paperwork for remodification of the loan. We have proof that we made a payment on time. A week later we got a letter saying our account was in default and on XX/XX/20 the foreclosure process would be started. The default was finally cleared in early XXXX ( XXXX ) after they admitted it was a mistake on their end and that we should have never been in default and we were told our application for loan remodification was processing, it would take a couple weeks. We never had to fill out anything for this supposed application. On XXXX we were told the underwriters needed a month. 

We called back on XXXX and were told there was another technical issue and that emails were sent out. We verified the email on file and confirmed nothing was ever sent our way, proving that the company just tells lies to avoid helping their consumers. We spent an hour on hold today and made the representative send the email while on the line, and magically it came in. It turned out to be an applicationfor loan remodification - something we were told was already started back in XXXX. Then we were told the underwriters would need another month after receiving this application. That will put us in XXXX, 5 months of trying to get out of forbearance and making on time payments. This is beyond unacceptable. 

We are tired of the lies from this company. We have tried, tirelessly for 5 months, to modify our loan and be out of forbearance. We have been lied to several times. We have been ignored. We have had our calls dropped by incompetent reps who dont WANT to help. This is now our second formal complaint. We want the company to end our forbearance and to modify this loan asap. We should never have had to wait 5 months and been left as an after thought with this process. It is despicable.
Product: Debt collection

This is a false company trying to collect on a medical debt they claim I owe. I have no knowledge of this fraudulent company called Phonenix Financial Services pretending to be a debt collector. It seems my information was collected from an illegal breach and I am taking steps to report this fake company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following collection accounts and credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$150.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00},XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXXl, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal law.
Product: Payday loan, title loan, or personal loan

The loan been updated every time it was bout to close so i received calls after calls harassing me and my household that I didn't know about!
Product: Debt collection

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB Complaint to you today to inform you that I was a victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these inquiries completely from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting to you to please remove the following unauthorized inquiries completely from my Credit File as soon as possible : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX. I am submitting this CFPB complaint in accordance with thr Fair Credit Reporting Act section 605b, and request that you comply with the Federal law and have the disputed inquiries removed from my Credit File as soon as possible.
Product: Mortgage

This complaint is related to the second mortgage on the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX. I had attempted to get a modification and was denied by both of mortgage companies. I have since fallen behind on my mortgage payments. I hired a real estate agent who was able to short sale the property. We are currently under contact and do have an approval from the first mortgage company who is requesting we close on or by XX/XX/XXXX. 
This short sale package was submitted to XXXX on XX/XX/XXXX with the final approval letter sent to them on XX/XX/XXXX. To date, neither my agent, my attorney nor myself have received any information from XXXX even after REPEATED phone calls and emails. I was told by " XXXX '' that my XXXX was XXXX XXXX, but that she is currently on vacation, so we left messages with her supervisor XXXX XXXX. I called back on XX/XX/XXXX and was told by XXXX XXXX that she is not on vacation but new to the company and does n't have access to the " system? '' He also stated XXXX has no record of receiving my short sale packet, however my real estate agent has the fax confirmation that all documents were sent and received. I truly believe XXXX has been purposefully trying to stop the short sale by first ignoring us, and now by lying. 

If you could please let me know what my options are or how I can proceed so that XXXX does not prevent the short sale from occurring, I would be unbelievably grateful. If you need more documents than what I can upload, please let me know and I can fax or email them to you.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, PA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Student loan

Dates starting the day XXXX assumed all 4 loans on XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX all monthly payments were not applied towards all four accounts specifically when I paid online. Loan servicers did not handle payments and process borrowers ' instructions in a that facilitates successful repayment, minimizes costs to me, and ensuring consistency. Payments initiated on XXXX online platform should be accuraltely credited as of the date I initiated the payments. As I stated from XX/XX/XXXX to XXXX, the four multiple loans have different principal balance and are listed as one group account.therfore on my monthly statements I should see a breakdown of each of the loans outlined showing principal balances, payment, principal, interest, and ending balances of what I specifically paid toward each loans including all overpayments. I specifically instructed those idiots on XX/XX/XXXX that every month there 's an overpayment on all specific four loans, and it to be applied towards the outstanding principal balances each month. I expected those incompetent idiots XXXX servicers to post payments correctly. Since the loans that have the same FIXED interest rate ( 6.8 % ) and the same subsidized and unsubsidized status, each excess amount should be allocated in the proportion to their monthly payment amount and the overpayment as instructed specifically to applied to the principal balances each month. XXXX, has been changing all four outstanding principal balances, monthly payments, and interest each month. My monthly payments are fixed therefore the only thing that changes is the decrease in principal balances and decrease daily accrued interest. All loans have been paid on time each month until XXXX SERVICERS started making adjustments to all loans by removing payments from going as far back to XX/XX/XXXX up to this date. I always made monthly payments on all four loans. Attachment and other documents will be attached and along with the correct balances after XX/XX/XXXX payment. I instructed XXXX  SERVICERS to change my expected payoff date to XX/XX/XXXX once XX/XX/XXXX payment of {$460.00} is posted correctly to all four loans. That was not done at all.
Product: Consumer Loan

Harley Davidson Financial has been calling me everyday all day repeatedly. I called them and made payment arraignment. They are still calling and harassing me. I told them that they are harassing me and they said according to my contract that they are allowed to call me up to XXXX times a day. I told them by law it is still harassment and they called me back again.
Product: Debt collection

In XX/XX/ I was notified by Franklin Collections that I had a {$280.00} unpaid balance with XXXX XXXX XXXX. I informed them that I had filed a police report because I do live, nor had I ever lived, at the address of service. I also told XXXX XXXX XXXX in XX/XX/ when they began harassing me that I did not own this account contrary to my name being on it. XX/XX/XXXX XX/XX/XXXX could not verify me to discuss specifics on the account because I couldnt provide the address or phone number associated with the account. I have made several calls to XXXX XXXX XXXX and Franklin Collections, filled out fraud reports for both and sent in the police report. It is my opinion that XXXX XXXX XXXX is trying to collect twice on this debt. Once from the perpetrator of my identity theft and once from me, the victim.
Product: Credit card or prepaid card

I shopped at Kohl 's on XX/XX/2022 and paid for my purchase with my XXXX Card because I had moved since I had used my Kohl 's card. The clerk told me that if I updated my Kohl 's card with my current address, I could get a 35 % discount. This didn't seem like a problem, so I agree to it. 
On XX/XX/XXXX, I received a lengthy letter in regular mail, telling me that my " application to open an account '' was denied. They gave several reasons. None of them made sense and were easily refuted. I suspected they had a mistaken identity or were looking at the wrong account. Upon checking my credit record, I saw that indeed they had made an inquiry into my credit and this had caused my score to go down. I found this infuriating. I didn't want Kohl 's credit, and I prided myself on keeping my XXXX XXXX as " excellent. '' It's still XXXX. 

I made the trip to my local Kohl 's store, even though it's about a XXXX hour round trip. Customer Service said they suspected fraud and gave me a phone number to call. They said the problem could only be solved over the phone. 
I called the number. I spoke with someone for a long time. Finally, he decided that he couldn't help me. He said he was transferring me to a supervisor. I waited on hold for a half hour, then was cut off. I called back the next day and asked for a supervisor. I was transferred to a voice mail. I left a message for " XXXX, '' including my name and phone number. I never received a call back. 

The first thing was inaccurate in this letter was that I had " EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. '' I have XXXX ( XXXX! ) financial obligation and that is my {$1200.00} mortgage. My income is {$3800.00}. This is more than XXXX my mortgage payment. All of my credit cards are at XXXX {$0.00} balance. I own my car. I have included a photo of the other bogus items that they say were factors in being denied credit. 
They also say I have too many credit inquiries. Before Kohl 's, I have had XXXX in the past few years, when I was thinking of buying a new house. 
I am attaching various documentation that illustrates my point.
Product: Credit card or prepaid card

On XX/XX/2019 Chase Bank closed 4 credit card accounts I had previously opened with their company. 3 or these credit card accounts were personal credit cards and 1 was a business card. My Chase credit card accounts were all in good standing at the time of their closure ( low balances, always paid on time, etc. ). I received no prior warning from Chase of any kind that they had an issue with any of my accounts. ____ Chase mailed a single letter ( dated XX/XX/2019 ) as notice for all 4 affected credit card accounts that stated " After careful consideration, we closed your credit card accounts on XX/XX/2019, because our affiliate is ending their banking relationship with you. '' No other details were provided. Chase refuses to provide any assistance over the phone until you are in physical possession of this letter. ____ On XX/XX/2019 I called the phone number listed on the letter ( XXXX ) and was told that they could not provide me with any additional details related to the closures. I was then told to contact a separate Chase department - the Chase Executive Office. ____ XXXX XX/XX/2019 I called the Chase Executive Office, who said they would open a case and notify me with the results within 7-10 business days. On XX/XX/2019 someone from the Chase Executive Office left me a voicemail, but only to say that they still could not provide me with any additional details related to the closures. ____ Shuffling customers around between different internal teams at Chase, building in significant delays at different points in the resolution process and refusing to provide additional information relating to customer issues all appear to be part of a company strategy to prevent customers from having their concerns addressed in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. Please report accurate information. I have no knowledge of the accounts listed on the files below. It has damaged my credit.
Product: Checking or savings account

To The CFPB Subject : make a complaint against TD Bank for missing money from XXXX XXXX XXXX. 

Dear sir, I am XXXX XXXX, XXXX of XXXX XXXX XXXX, writing this letter to make a complaint against TD Bank for my missing money. We have a corporate checking account A/c no XXXX on TD bank. last year on XX/XX/2020 to XX/XX/2020, almost {$34000.00} money missing from our corporation account. We visited to Local Branch at TD Bank right away ( XXXX XXXX XXXX XXXX XXXX Ny XXXX ) and they called TD Bank customer service to solve this issue. The Branch Manager promised to give our money back within 2 weeks. They advised us to make a police report and gave it to them. Also they advice us to freeze account & we did. However Hacker broke the frozen account Twice & then manager told us to close the account & open a new one & we did. After that, we visited the local branch many times but they never gave our missing money back! ( {$34000.00} ). They always blamed me ( XXXX XXXX, XXXX of XXXX XXXX ) that I did this transaction even though I always denied this transaction. But, when I verified that I did not do the transaction, they told me they issued a TD bank credit card on behalf of my name. I told them I applied for a credit card which I never received. When I verified the address it was different from my address. The Hacker also hacked my personal email, cell phone number, paid XXXX ticket, made a fake Id with my name which I did not recognize. All these things were leaked by TD Bank, I believe. The detective sent me an email which stated that they found the person and he will be arrested soon. My XXXX XXXX also got hacked, but when I called them they solved the issue right away and gave my money back. Im also letting you know that I did not have any access on XXXX XXXX corporate account, no password no atm card. The hacker played casino with the TD bank credit card and made credit card bill payment through online which I always denied. I am very disappointed in TD Bank. I attached a police report, detective conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

The stress and disappointment I'm experiencing due to the developments in my credit report are overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to run my credit. Please remove the
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card

I received an email from the company stating that my phone number had been changed. 
I did not make this change. I have not requested any changes to my account. I contacted the company. I informed the company I did not have access to my online account since receiving the email notification that the phone contact number had been changed. I do not have a phone number. Never did. I do not receive calls or text. I do not make phone calls or receive messages or send text or receive text. I was operating to my satisfaction with access to the account up until the notice of change in contact information i.e. phone number. I have not had a response that addresses the unauthorized changes to my account. I have been charged interest and fees that need to be reversed and refunded. I have not received an email from the credit card or the store since being notified of a change to account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX, and KOHLS/CAPONE. 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 ( Original Creditor : XXXX XXXX   ), XXXX XXXX, and KOHLS/CAPONE with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian failed to conduct a proper investigation to my dispute request. I have written them a dispute letters 3 times on XXXX XXXX, XXXX XXXX, XXXX XXXX and they have yet to respond. They late payments are reporting inconsistencies and inaccuracies and I want this account to be fixed by removing the late payments. They late payments on each bureau shows different dates and doesnt match the other bureaus. I have attached my credit report for proof on this incorrect reporting. One bureau reports me late will the other bureau reports me on time for the same date, how can I possibly be late and on time for all bureaus??? They all have the same source of information which is the original creditors of this accounts so how are the reporting different information?? 

Please have them to investigate and verify the maximum accuracy of this account and remove this incorrect information from my credit report or update the late payments to paid as agreed,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$480.00}