23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

on XX/XX/2020 our shop was closed on Quarantine by the NY Governor order. 
I could not pay my home mortgage and contacted Mr. Cooper Motrgage company to pause my payments until we would be allowed to go back to work.

I missed 4 payments total of {$3900.00}, and as soon as we start working I renewed my payments. After I discovered that Mr. Cooper adds {$3900.00} to my principal as a penalty, Mr. Cooper said that they made some kind of forbearance program, that allows them to charge me an extra monthly payment amount of {$990.00} x 4= {$3900.00} and add it to my principle. I think it should be illegal to penalize people 100 % of the monthly payment. 
I never agreed to that, I never signed any documents and I think it should be removed from my account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Carrington Mortgage Services has set a sale date of foreclosure on my home though I'm in their RMA process after they refused payments directly from me. Returned my payment and required that I call them to make payment arrangements. 
This is my second round of the process and as usual it's a joke. Each submittal of the same information, there is always something missing, etc. They are advising me foreclosure will halt once they get a complete packet. They've failed to review my last submittal and it's now been 5 business days since submitting and only 10 days until the sale of my house. I'm being DUAL TRACKED which is a mortgage violation in Texas. 
Additionally, I did file Chapter XXXX XX/XX/XXXX and it was dismissed in XX/XX/XXXX for late payments as I'm not always paid on time as a consultant. My XXXX Carrington Mortgage Services statement indicates past due amount of about $ 10K. My payment from XXXX has not been applied to the amount owed. 
My mortgage has increased every year as they can not calculate so my escrow has been in the negative for years. They tact that amount on top of other fees bringing my amount due on the XXXX statement to almost $ 43K. 
I have not seen any documentation as to the transfer or bought rights to service my mortgage either though I've asked. 
Additionally I did not receive statements during my bankruptcy and did not ever receive documents concerning what they agreed to be paid during the bankruptcy. Those statements aren't available to me per my conversations with Carrington Mortgage Services representatives during phone conversations. 
I paid in almost $ 29K from XX/XX/XXXX to XX/XX/XXXX, statements are not giving credit for those payments. It looks as if they're going to the let the foreclosure procedure before reviewing or finishing with the RMA process.
Product: Checking or savings account

Someone used our ATM debit card information and processed following fraudulent activities. 

XX/XX/2021 {$74.00} at XXXX XXXX XXXX in XXXX, MI XX/XX/2021 {$1.00} at Vending XXXX XXXX in XXXX, NY XX/XX/2021 {$2.00} at XXXX XXXX in XXXX, MI We live in XXXX XXXX and have never visited these cities. 
We do not have any friends or family members who we live in the states. 
We have never authorized anyone to use our ATM card information. 

We called Bank of America Fraud Customer Service and reported the fraudulent activities. The rep advised that my wife 's ATM debit card information was used. 

Bank of America was not our primary bank and we had rarely used the ATM cards. 
We noticed that my wife ATM card had been expired a few months earlier and had received a new ATM card, however, the card was still in the envelope and we had not even activated the card prior to the fraudulent activities. 

Bank of America gave us temporary credits for these fraudulent debits. 
However, Bank of America informed us that they had determined conveniently that " the charge was authorized by you or someone who has permission to use the card and account. '' They are reversing the temporary credits as they determined that our claim was false. 

We were stunned by their reasoning and the decision. 
We appealed twice, however, Bank of America is demanding support documents for our claim if we want to pursue further, but these were fraudulent activities which we were simply the victims of Bank 's inadequate security system. 

Again, we have never visited there, do not have anyone who live there, and have never authorized to use our ATM card information. 
The fact was that someone stole our ATM debit card information and committed fraudulent activities. 

We strongly believe that the bank does not have adequate security check system to preventing from hackers and protect their customers. 
The bank also has improper practice to just deny claims without sufficient research. 
This is highly dishonest business practice and very irresponsible. 

We were probably not only ones as victims of Bank of America 's dishonest business practice. We are deeply stressed out as we had become victims twice, first by the fraudulent charges, and then by the bank. 

Bank of America was a defendant of recent class action law suit, which a federal judge ordered the bank to stop auto-denying California EDD fraud claims. 

Bank of America failed to prevent fraud and denied claims when the fraudsters attacked.
Product: Debt collection

Sent letters in XXXX, XXXX and in XXXX regarding balance on accounts account was sold from one creditor to another and amounts are incorrect and I havent gotten any response on where the balance came from or notice of correct amount.
Product: Student loan

I submitted my PSLF form to reflect my faculty employment ( XX/XX/XXXX to XX/XX/XXXX ) with XXXX XXXX XXXX XXXX XXXX ) on the FSA website on XXXX. After I submitted the form I discovered that XXXX closed in XXXX of XXXX. I followed up with the FSA office and their phone rep advised me to submit support documentation in the form of my tax return for the pertinent year, W-2 's, employment contract, and any pay stubs from that time period. I gathered all this documentation and uploaded it promptly to the FSA webpage link indicated. I call FSA daily and have spoken to numerous phone reps in the PSLF and loan discharge divisions who all offer me varying degrees of information regarding the status of this PSLF application. This morning I received an email dated XX/XX/XXXX stating that my PSLF form has been closed. I called FSA and the phone rep said they do not see that letter reflected in their system. The phone rep said my documentation is apparently still being reviewed. The FSA is constantly providing conflicting information between what I see on my FSA webpage and what they have in their system when I call. I would like to make sure my PSLF is still being considered as those hours of employment can help complete the outstanding balance remaining on my loan forgiveness. Also, all my loans have been placed in forbearance as I requested an accurate review of my PSLF payments. Apparently, this review could take up to a year. In the meanwhile, all my loans are accruing daily interest. I also requested a " buy-back '' option and am being advised that this request is still in review. When I try to contact the OMBUDSMAN at FSA to gain clarity on the status of my loans, nobody is able to transfer me to that person.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts that are not mine and they are all on my credit report I have no clue how all these accounts are on my credit report and why they are there I never applied for these and these are not mine not one of them I need this off my credit report asap!!! I have reached out to the bureaus as well as the funrishers and nothing is being done I have even opened an ftc report concerning these accounts this is redicolous. 


Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX BANK XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Product: Checking or savings account

Someone internally at Huntington Bank prior to the purchase of TCF Bank had created a business account in my name without my knowledge or authorization, with my social security number, and described my self-employment in the technical field ( Please see attached exhibit ). I am a XXXX XXXX XXXX XXXX and never had a business account, nor personal account at Huntington Bank, other than after they officially purchased TCF on XX/XX/XXXX at which time I maintained both my personal savings and checking account. This incident was discovered in XX/XX/XXXX. 
TCF was formerly Chemical Bank, Chemical Bank was formerly XXXX  XXXX  and XXXX XXXX was formerly XXXX XXXX XXXX  at which I held the same bank account number for nearly over 40 years until my account number changed when the merger occurred with Huntington Bank on XX/XX/XXXX. 
I spoke with Huntington Bank mangers regarding events of identity theft, including someone creating a business account in my name when I have never had a business account with TCF, Huntington, Chemical Bank, XXXX throughout all the mergers. No one was able to explain the document that was shown in the exhibit that is an attachment to this complaint. I closed the Huntington account on XX/XX/XXXX due to fraudulent actors using my account
Product: Checking or savings account

Me and my wife had a account checking and savings is was supposed to been the if you do ten transactions no extra charge we brought it up to them but they would always have some other excuse and they was very rude on a lot of occasions we would be charged double of a overdraft fee they was supposed at least once a month give are money back from a atm fee if we did not use one of theirs because where we live there is no wells Fargo bank we would have to drive 2 to 3 hours away they stopped doing the give the atm charges because of we would talk to someone who would tell us they couldn't do it but we new better.
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, there is inaccurate information reporting and you failed to conduct a proper investigation into these items. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I continue to get calls from the offices of XXXX. At first I received a call from " XXXX  county courts '' saying that ill be served if I don't call the law office. they then gave me a case number. when I called the courts back they stated that the person didn't work there and they had no record of the case number because it was missing a digit. the case number they gave me when they called me was it I triple checked. then later I called XXXX and they said they were collecting a debt for ace cash express and they made 2 attempts to contact me and now they'll have me arrested.

stressed out I called ace and they said that they no longer had the debt. now I am completely confused.
Product: Debt collection

VEROS CREDIT Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX is reporting a past due charge off account to the credit bureaus ruining my credit. When car was returned the lender Veros stated there was no balance due to the fact that automobile was auctioned off for more than was owed .... years later they are still reporting this account now with XXXX past due how is it fair? Numerous attempts to validate this account went ignored with no answer from the merchant Veros and account is still reporting negatively on the credit report ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed multiple times and XXXX will not do a full investigation into the matter. This account reports OK then ND and then straight to Charge off status. How is that even possible?. The company refuses to update the ND on my credit report or give me proof of the late payment.
Product: Credit reporting or other personal consumer reports

I have been unable to access my XXXX  account for nearly a year since XX/XX/XXXX of XXXX i have been requesting access to my myEquifax account and being given no help apart from case numbers for an escalation to their " TECHNICAL SUPPORT TEAM '' they said there would be a XXXX turnaround of XXXX business days til i would be given access this began in XXXX of XXXX where I have been calling and begging someone to help me. My most recent case number made today in an effort to give them one last chance is XXXX, once again the agent could give me no help in actually accessing and using my account and assured me it would be handled in XXXX business days.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 ) ( 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: Credit reporting or other personal consumer reports

I originally filed a complaint of XXXX XXXX XXXX  reporting incorrect information to my credit report on XX/XX/XXXX. Now it has been GREATER THAN 90 DAYS and the incorrect information remains. 
I also contacted XXXX XXXX XXXX  and attempted to give them the opportunity to fix the issue. XXXX has failed to acknowledge that there is a problem and keeps sending me letters, each one with different account information, wrong and different dates, and trying now after a year of trying to work this out with them telling me I need to contact a different department. This is only another stall tactic by XXXX instead of addressing the issue and making necessary corrections. 
XXXX XXXX XXXX XXXX - A contract was signed in XX/XX/XXXX to transfer the property back to XXXX on XX/XX/XXXX the Deed was signed back to XXXX. 
XXXX continued to report the property as delinquent for XXXX ( XXXX ) months after the deed was signed back to them ( XX/XX/XXXX ). I did not own the property and have copies of documents to prove my case. 
I originally disputed this with Experian in XX/XX/XXXX and it remains on the credit report and no notation of the dispute that is a violation of XXXX XXXX. 
Experian Information Systems continues to violate my rights in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX continues to violate 15 USC 1681, s-2, ( A ) ( 1 ) " they 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 ''. 
Experian fails to act on this and continues to report inaccurate information. 
RESOLUTION : Experian to Immediately upon receipt of this notice remove the account.
Product: Mortgage

I applied for a Harp loan the XX/XX/XXXX. I was with XXXX. 
mortgage my payment was $ XXXX. XXXX sold our loan to Nationstar XXXX XXXX. We continued the payment setup with XXXX. Now Nationstar wants to increase our payment by {$860.00}. This is more than what we were paying before the Harp program. We feel they ae over compensating for a shortage in escrow. Our insurance went up about {$300.00}. 
Can you help us with this problem. They want this change by % XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX XXXX customer service
Product: Debt collection

I recently set up payment plans with a collection agency in XX/XX/XXXX I set up for XXXX dollars at the end of each month to be taken out and for the first payment to be taken out XX/XX/XXXX. I paid XXXX dollars over the phone for the month of XX/XX/XXXX over the phone the same day I set up my payment plans. Well then at the end of XX/XX/XXXX someone took out XXXX dollars out of my account which I didn not give consent to. I strictly stated over the phone for the XXXX payment to start in XX/XX/XXXX so I know it 's only XXXX Dollars but I did not consent for that money to be taken out of my account. I have been playing phone tag with the people for over XXXX weeks now and I want my money I never gave any consent for that payment to be taken out so I feel as I was robbed it is impossible to speak to anyone who speaks great XXXX so calling this company repeatedly does nothing. Midland Credit Management , Inc. are scammers in my eyes!!
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Bank of America contacted me in early XXXX, 2017 and told me that there was fraudulent activity and someone had cashed 3rd party checks in my name against my account. These checks were written on XXXX XXXX ( a company the XXXX XXXX I work for has done business with in the past ) payroll checks. The checks were made out to me ( XXXX XXXX ) with my address and a signature on the back that looks very much like my own. Once XXXX XXXX learned of the fraudulent checks, they stopped payment which caused Bank of America to withdraw the money from my personal account to cover the checks ( approximately 2,000 - I am a single mom and that is quite a lot of money to me! ). I filed a police report and the XXXX County ( Georgia ) detective told me that he sent a subpoena to Bank of America requesting the video footage and other transaction information - he says that Bank of America replied that they can not 'locate any transaction information '. The detective told me there is nothing he can do if Bank of America is not willing to send him what he has requested. Meanwhile, the Bank of America Fraud Department has denied my claim stating that I authorized the third party to cash the checks. They have not proof of this. There is someone walking around with my money, my bank account information, my name and address and Bank of America is unwilling to help me. I don't know what else to do.