23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I entered into Forbearance program with CHFA for three months ( XXXX, XXXX and XXXX ) last year and after three months, I started my payment on XX/XX/XXXX and CHFA entered into my account on XX/XX/XXXX my first payment after Forbearance, CHFA send me document to be notary from my Bank for my Forbearance to reinstate my account in which I sent all the document to them and called them for confirmation that they received the document, I still have my duplicates. I noticed CHFA was holding on to my payment for months and when I called them that my payments are not applied to my account, they told me until the program is over which force my account to one year of the program. I only run the program for three months last year but they applied all payment from last year XXXX in this year XX/XX/XXXX only applied three payments last year. Now CHFA reported to credit bureau that I own them 5 months mortgage payment in amount of {$14000.00} ( that's XXXX per month ), which according to their system all payments from XX/XX/XXXX to XX/XX/XXXX applied to Forbearance my account indicating that I still own Mortgage for 5 months. They charge my account with {$310.00} late payment which stop any lender to refinance with because debt and also late payment. I called them 2-3 times every month since XXXX till today and all that they ( XXXX XXXX XXXX XXXX told me is their supervisor or underwriter have to address my case. I have spoke to a lot of staff or Rep. ( XXXX, XXXX, XXXX etc ) on the phone and what they told me is their supervisor will call me or fix it. I always received calls from this number XXXX collecting debt every other days and multiple threaten letters to send my house to foreclosure, when I called them am told they will it in 2-5 weeks. Am told one staff called XXXX is responsibly or handle my account but she stop working on it since last two months XXXX without any reason and I believe because they notices am doing refinance with XXXX XXXX XXXX, knowing that I can't refinance if am still under Forbearance, Late payment on my account and also send to Debt collections.
Product: Credit reporting 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 told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX, XXXX & XXXX : XXXX, XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Debt collection

This company has called repeatedly, indicating we have a debt with XXXX. They insist on asking for date of birth and social security number and advise calls are being recorded. I state to them we have no debt to that company, and if so, send the support to us so we can review it.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX  account in my credit report XXXX XXXX XXXXXXXX which has more then 5 years since it was closed, as XXXX XXXX XXXXXXXX resident the fact that account still in my credit report are violation of my rights, since The XXXX state law ( 380-J ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ; ) .That 's mean that account is violated my rights to be on my credit report
Product: Mortgage

After losing my husband, my income took a significant nose dive, at which time I began getting behind on my payments. I applied for a Modification but it was denied on XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX  ( HUD ) to assist me. On XX/XX/XXXX, I received a call from someone identifying themselves as the legal department of my mortgage holder, advising me that my Modification had been granted and would decrease my monthly mortgage from {$2500.00} to {$1600.00}. I was estatic, Screaming, jumping around, and thanking him all at the same time. I was asked to pay {$1800.00} immediately, which would allow him time to do all the paperwork, in the meantime I was advised that my new payment of {$1600.00} would start on XX/XX/XXXX. In addition I was told not to call my mortgage holder, because he would be serving my accountt from now on. I was then asked when would I be paying the {$1800.00}, I responded I could pay {$1200.00} now and the balance on XX/XX/XXXX. I told him that he had my banking information already. He replied I dont have it I thought perhaps I needed to slow down. I called XXXX and told her the story as it was told to me. She asked if it was ok if we could do a conference call so that she could ask questions. So, called the legal department, and She asked the questions, and when we hung up from him, she said SCAM I then called my mortgage holder, who also said SCAM To be honest about it, Im so angry with them because I would have easily payed the {$1800.00}, Which would have made me lose everything. Ive kept all their voicemails. Unfortunately when youre desperate, its quite easy to try and grab a life jacket. 

Im a XXXX senior, and these guys are preying on people that are already stressed out. My mortgage holder, didnt do anything even knowing that these crooks were using their name. When I receive a call from the legal department, my mortgage holders name appears on my ID. 

Its difficult for me to turn and walk away because I know someone will lose their home in this manner. I have advised the legal department that Im interested in the modification, so their pushing forward because they smell my money. I just dont know, how to push forward and get this information to the right person or agency that could catch these CROOKS. Hopefully, you can point me in the right direction. XXXX gave me you.
Product: Mortgage

To Whom it May concern ; For the third time in XXXX years, I have quit receiving my monthly mortgage statement! 
the statement I use to pay my mortgage payment. I generally have to call customer service to order them to start issuing my statement again. the company is : Ocwen Loan Servicing LLC
Product: Mortgage

On Monday XXXX XXXX, I received a call from Ditech, my mortgage company advising me I was late on my XXXX payment. I advised them that the payment was sent and received on XXXX XXXX and that they were mistaken. 
I was then told that the payment for XXXX XXXX had not been received and I advised them that the payment had cleared my bank on XXXX XXXX. 
The Rep then stated that " Ditech '' had inadvertently credited my account with 2 payments in XXXX XXXX, when it should actually should have been credited one payment. They stated that I needed to pay this payment to make the account current. 
At this time Ditech has started adding late fees and Im sure my Credit Score will soon reflect their mistake. 
It is beyond me why I should pay to correct their mistake. They could not provide me any answer as to why I 'm being forced to pay for their mistake. I am current on all payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I pulled my credit and I had XXXX inquiries. I did not authorize them Please have them removed. They are XXXX, XXXX XXXX XXXX XXXX and XXXX bank dicks sporting goods. Please remove them.
Product: Money transfer, virtual currency, or money service

When I alerted CashApp XXXX of the fraud for XXXX dollars they told me, successfully processed. I informed them this was not done by me and explained how my belongings were taken! They asked me for the following : What is your legal name, $ cashtag, and email address and/or phone number linked to the account associated with the disputed activity? 
XXXX XXXX Phone XXXX XXXX  2. What are the date/time and amounts for the transactions that you believe are in error? 
Dates are XX/XX/year>. 
I dont know the times. 
Amounts are multiple total XXXX 3. Why do you believe an error occurred with this transaction? 
My purse was stolen along with my wallet, cell, credit cards, ID and medical cards. 
I filed a police report of the with NC police on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also filed a FTC report XXXX
Product: Credit card

Care Credit has reduced my credit limit twice without mailing written notification. The second instance occurred in XX/XX/2023. I faithfully log into my account each month and set up my payments weeks before the due date. Around XX/XX/XXXX, I noticed my payment had not been posted to my bank account so I logged into Care Credit and identified my payment was never submitted. Instead, late fees were applied to my account. I called and Care Credit reversed the late charges. I requested a login history for my account and was told that one could not be provided. Knowing my statement date, I logged in to my account to set up my payment for XXXX and CC had lowered my credit limit. When I called in I was prompted for my salary history ( I refused ). Care Credit uses this tactic to reduce your credit limit so they can charge a higher interest rate and try to force you to apply for a credit limit increase. This is also damaging to your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX  XXXX XXXX, CA XXXX, XXXX  XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Product: Vehicle loan or lease

This account has been open since XXXX and for a vehicle I have no knowledge about. I contacted the company and said that they was going to send me a letter and never did. I want it to be removed from my credit report the original amount states XXXX and the amount owe now is XXXX. Statute of limitations for car payments is 3 and its now XXXX.
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : 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 or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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

Dear Credit Reporting Agency, I am writing to dispute the accuracy of information listed on my credit report in accordance with the Metro 2 format. Specifically, I am disputing the following account : XXXX XXXX Account XXXX XXXX. 
According to my records, this account was closed onXXXX. However, my credit report states that the account is currently delinquent and has a balance. This erroneous information is having a significant negative impact on my credit score, and I believe it is being reported in violation of the Metro 2 guidelines.

As per the Metro 2 guidelines, I am requesting that you investigate the accuracy of the information being reported and provide me with any documentation that supports the current status of the account.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along wsith my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 or other personal consumer reports

My SSN surfaced on the dark web... I moved to freeze my credit reports... I wash able to freeze them on XXXX of the credit reporting companies in XXXX minutes or less, online ; very easy... Equifax took over an XXXX, failed online, forced me to all an agent, waited for half an hour on hold, finally got an agent that was able to freeze my credit report... Equifax 's process is onerous at best... Looking at their reviews, my experience is definitely not an outlier.
Product: Mortgage

On XX/XX/2022, I informed XXXX XXXX of Rocket Mortgage that I did not want to go through with the VA Cash-out Refinance mortgage loan because I needed to look at all my options. 
I did not like the idea of paying a {$500.00} fee and he was rushing me to sign the loan estimate and other documents. 
I kept receiving many phonecalls from XXXX and another Rocket Mortgage associate. On XX/XX/2022, XXXX left a voicemail message that my mortgage refinance application is being withdrawn. 
At the time I was going through a family emergency. My thoughts were not on anything else but my family. 
Yet, I continued to receive calls and/or emails from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and other Rocket Mortgage associates. I informed them of the family emergency and that I will not be opening a new application. 
I also informed the Rocket Mortgage representatives to remove me from their call list and database. Yet, they keep contacting me ( to include this XX/XX/XXXX morning ). This is harassment. 
On, XX/XX/2022, I noticed an unauthorized credit card transaction for {$50.00} from Rocket Mortgage. I find this behavior highly criminal and disgusting. I did not follow through with XXXX on this mortgage application/loan estimate/loan disclosures nor did I open a new application with Rocket Mortgage. I'm a 21-plus years Honorably XXXX and XXXX XXXX military veteran. I'm highly shocked and offended by Rocket Mortgage 's aggressive and unethical actions towards me. You all have triggered my military-incurred ailments! You all showed no respect or concern for me and my family emergency. I'm unemployable due to my military-incurred ailments. I live on a fixed income. To steal money from anyone is wrong. To steal money from an unemployed and permanently XXXX military veteran because I decided not to be rushed to sign documents and not go through the application is wrong. Rocket Mortgage has a problem with their moral compass and it needs to be fixed! I want my money returned immediately and I want you all to cease with your harassing phone calls/emails.
Product: Credit reporting or other personal consumer reports

I have sent several letters asking for the removal of inaccurate information including personal information that is reported on my credit reports. I have in return, received letters stating that they can not verify my identity. I have sent in a copy of my id information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$820.00}, XXXX XXXXXXXX Balance : {$0.00}, LXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on the consumer account XXXX. There are several inconsistencies with the account. There are late payments listed that are incorrect and should be immediately updated. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Furthermore Experian is reporting a 90 day late payment but XXXX and XXXX are not.