23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a mortgage with Select Portfolio Servicing. During the COVID 19 crisis, we were offered a forbearance plan, which we accepted. We received a letter stating that the end to the forbearance period was nearing. At that time, XXXX of 2021, we submitted a request for assistance, as it was impossible for us to come up with the {$17000.00} that they were requesting. We received a response back that stated that they were " unable to offer us assistance '', that there were no " programs available ''. We are now trying to refinance with a different mortgage company, and are facing a roadblock, because the recent payment that we submitted was credited to a month that was during our COVID relief forbearance.I have ( as instructed by Select Portfolio Service ) applied again for Mortgage assistance. I was told that this is the only way that I will be able to have my payments recorded correctly, and that is IF we are offered an assistance plan this time. This has got to be the most unfair treatment by a mortgage company. They offer assistance because of a financial crisis, and then suddenly expect that you are able to come up with a huge amount of money at the end of the crisis, in order to keep your home.
Product: Debt collection

I have been trying to get Transunion to stop reporting fraudulent reports against my credit, which has caused me a huge financial burden. I recently challenged the validity of XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, both XXXX and XXXX have shown that this account does not appear on their reports based on the lack of ability to properly verify all reported information being accurate. Furthermore, you previously removed this account, but now you have decided to report it again. You have not been helpful at all, and you have ignored my pleas for assistance. I engaged legal representation to address a case where I refinanced my home. XXXX was stipulated to be fully paid off as part of the refinancing agreement. My attorney corresponded with each credit reporting agency, requesting the removal of the XXXX account from my credit reports due to the legal dispute surrounding the contract. All agencies complied with this request except XXXX, which removed the entry at a later date. 

In XX/XX/XXXX, I accessed my account online and printed a payment history document indicating a balance of {$19000.00}, which I subsequently paid by check. This payment was confirmed received. A subsequent payment history document printed in XX/XX/XXXX shows that the check was processed on XX/XX/XXXX. The payment should have been recorded as complete by this date, and the account should have been closed accordingly. 

However, XXXX failed to close the account and, in XX/XX/XXXX, resumed charging my account for mortgage payments. Currently, they are claiming an outstanding balance of over {$7000.00}. Additionally, they have inaccurately reported my account as delinquent to TransUnion, which reinserted this information onto my credit report despite its prior removal. Also, understand that Transunion is now reporting incorrect information, which is causing much financial harm. 

I have made multiple attempts to resolve this with TransUnion by sending letters, none of which received a response within the required timeframe. The first letter was sent on XX/XX/XXXX. The second letter was sent on XX/XX/XXXX. I just received a response on XX/XX/XXXX. The letter states that the debt is verified, which indicates that you completely ignored all of the evidence I have sent you. 

I request that TransUnion correct its records by removing the inaccurate delinquency report and restoring my credit score accordingly.
Product: Credit reporting or other personal consumer reports

I viewed my credit report and found Inquires that I have not authorize. I am writing to dispute and request the removal of the unauthorized or potentially fraudulent credit inquiries from my credit report. I have submitted a report of the activity to the Federal trade commission and provided documentation Below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. 

XXXX XXXX XX/XX/XXXX {$560.00} XXXX XX/XX/XXXX {$5900.00} XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00}
Product: Mortgage

We are selling our home when we first bought the home in XX/XX/XXXX we got a first ( {$210000.00} Citi Mortgage ) and a second ( {$52000.00} Citibank ) on the home. A few years later we went into financial hardship and filed chapter XXXX BK and also went through a loan modification XX/XX/XXXX-XX/XX/XXXX. During this period our second on the home we thought was included in the loan modification because we never made any other payments to Citibank/ Citi Mortgage.over the next 11 years we have built up our financial portfolio and we are now a strong credit worthy couple. We are attempting to sell our house and move closer to grandkids. During the process it was discovered that our second from XX/XX/XXXX with Citibank/ Citi Mortgage is still out there or it may have been forgiven during the time period under the Obama administration. We do not have any paperwork in regards to anything for the second deed of trust. We have all of our taxes from XXXX to current and the last year we have a 1098 on the second is from Citibank/ Citi Mortgage XXXX. In XXXX we only have Citibank/ Citi mortgage XX/XX/XXXXon our first deed of trust. 

Since we discovered the issue of the missing second deed of trust we have placed phone calls with Citibank/ Citi Mortgage , XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX All companies in which the loan had been sold to over the years. This paper trail is from the first mortgage only. None of the companies listed above have any documentation of the loan, or me in their system. 

We contacted our attorney and requested all of our paperwork for our BK. The second deed of trust is listed in the paperwork as a asset or debt on the home but it was not included in the chapter XXXX BK. Citibank/ Citi Mortgage does not have a customer service for passed or lost deeds so a written request was submitted to their legal department with no phone number to follow up with. As of this writing we have not heard back from them. We have spent countless hours trying to find out any information on this missing note. We are more then willing to pay it off if we owe it. We desperately need someone's help in getting us in contact with someone from the legal department of Citibank/ Citi Mortgage. We want to resolve this issue so we can move with our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax by mail to inform them that my credit that I had been working on was not on my annual credit report. And these accounts are : XXXX XXXX XX/XX/XXXX on XXXX XXXX ( finance by XXXX ) bought King size bedroom set. made monthly payments. Then bought queen size mattress ( 3 ) sets at the XX/XX/XXXX XX/XX/XXXX on XXXX XXXX and XXXX XXXX. Made monthly payments each month. Then, I bought a furiture set ( 2 ) cough 's and pillow 's. Made monthly payments each month. Then I bought a sectional brown in color made monthly payments each month miss some payments but, I caught up and paid it with late payment amounts. Then I bought a car XXXX XXXX 3yr payment plan paid each month until I was finish. Then, I was a co-signer for my Daughter. Who never miss a payment. Not one payment miss. STILL These Items are not showing on my report. Equifax said that they never received any thing for none of my creditors. I contacted ALL of them and ask if they sent in my report of payments. THEY ALL SAID YES WE DID. And then I ask if they could send another one ( certified copy of finish payments ) THEY ALL SAID YES. THEN I sent in copies after 30 days and still nothing. HELP!!!!!
Product: Credit card or prepaid card

I went to a drive through window at XXXX XXXX while driving home from a trip. They handed me the wrong food, but of course you ca n't check the food there because you 're holding up a line so I did n't know that until I was well on my way. The food was unedible. I called XXXX XXXX ( I had to search online for their number, it is n't on their site ) but they did n't answer. Then I e-mailed but they did n't reply. I contacted Chase and they said they ca n't dispute an in person transaction for food because food can not be returned, even though XXXX XXXX committed fraud by providing me with the wrong order and still charging my card! A supervisor refused to change that decision.
Product: Checking or savings account

On XX/XX/2021, I logged into my Chase business account in attempt to pay my credit card bill. I received an error saying that it was not possible to pay from the business account, so I called the help line for assistance. The helpline informed me that the bank had frozen my account, and it will be closed soon. When I asked why it was frozen, the answer simply was, " We no longer wish to do business with you ''. Further inquiry on when it will be closed gave no definite answer, nor did I get a response on why I did not get any official notification on freezing or closing of the account. I was simply told, " You will get notification soon ''. 

Today is XX/XX/2021. In these few days, I have reached out to Chase secure messaging center, XXXX, and received a call from a Chase representative who had all told me the same thing - my account is under review. To this date, I have not received ANY official notification on my account freeze or the closing of my account. And there is no response on when this will be closed. 

There is a total of about $ XXXX in the account that is currently frozen. I informed the representatives that I have bills to pay, I have a small business to run. The answer simply was, " Sorry for the inconvenience ''. 

I was not informed of any order against my account, and was further able to open a new bank account with a new bank with no issues. I always maintain a high balance, do not have any overdrafts on the account, no debt, and pay my bills timely. Therefore, I do not believe I myself or my business has any legal implications that I am aware of. 

I require access to my funds immediately, my business needs to those funds to be operational, and a bank should not be allowed to freeze or close accounts without valid reason, or at least a timeline of when I can expect to have access to those funds.
Product: Credit reporting or other personal consumer reports

It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was stolen during a data breach and used to open fraudulent accounts and gain medical services in the amounts of XXXX that are causing me to be harassed by collections company 's and is effecting my credit. i have attached a copy of my id and bill to show i am who i am
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax showing them that there are accounts reporting as collections on my credit report that dont even have a collectors name on them. And Equifax only responds by saying the accounts are verified as accurate. How can these accounts possibly be accurate if they dint even have the name of the company reporting them?! And why isnt Equifax fixing this on my report? It seems like Im just send letters to robots and all they do is verify. These accounts are NOT accurate but Equifax keeps reporting them regardless? Some of the accounts dont even show I disputed them? Is Equifax allowed to just ignore the disputes the consumers send in? And just keep reporting the information incorrectly? Seems like there should be some regulations they have to follow? I will be contacting a lawyer about these three accounts and the fact that Equifax keeps reporting them even after I have reported their errors to them. 
Account : XXXX, Account : XXXX, Account : XXXX
Product: Payday loan, title loan, or personal loan

During the application process I was sent a link to access my checking account information. I ask the customer service representative what the purpose of accessing my account was, to which she replied " it's to verify that your checking account is active. '' she put me on a brief hold and return to the phone asking if my check was partially deposited into this account and the rest deposited elsewhere. Based on this questioning, I knew that she had accessed my account, without my consent or knowledge. This happened on XX/XX/2018 at approximately XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My son passed away unexpectedly last XXXX. Upon contacting AES regarding his outstanding student loans, I was told to submit an original copy of his death certificate in order to determine whether or not they were forgivable as shown on the AES web site. The death certificate was not finalized until XXXX. I immediately expressed an original copy to AES for which they did not acknowledge receipt. 

Beginning immediately after my son 's passing and extending until the issue was settled, I received calls at my workplace from AES employees with no details. They would state the account was past due and ask for payment. I would explain my son had passed away and we were waiting for the death certificate. The callers would always promise to " ... make a note in the file. '' but the next week another employee would call with the same script. I also received form letters and e-mails with no specifics. 

XXXX telephone conversation resulted in copies of the loan documents being mailed to me. I did my own research and concluded the loans were privately funded and therefore not eligible for forgiveness. I paid the loans in full including added interest. 

Despite AES forcing me to recount my son 's passing weekly for several months, failing to acknowledge receipt of his death certificate, offering no help determining the loan status and being paid in full including added interest for the months they wasted, they chose to report me unfavorably to the credit bureaus. A request to AES to rectify the situation was met with the brainless response that their records do indeed show me paying late. 

AES may be on the cutting edge of automated loan administration, but their system is painfully stupid.
Product: Mortgage

My mortgage was sold to Shellpoint in XX/XX/XXXX. In XX/XX/XXXX I received a request for proof of insurance which I faxed over on XX/XX/XXXX ( policy was from XX/XX/XXXX to XX/XX/XXXX ). In XXXX I made sure to upload the new policy ( dated XX/XX/XXXX to XX/XX/XXXX ) to Shellpoint. I have attached proof that Shellpoint received both of these policies. In XX/XX/XXXX Shellpoint disbursed {$2200.00} from my escrow account. When I questioned this I was told it was for lender placed insurance that had been cancelled. I have been trying usuccessfully for months to find out why lender placed insurance was added to my account since I had provided them with all of the relevant insurance policies. I can't even tell you the number of people I've spoken to on the phone, none of whom gave me a straight answer. I do not escrow for any insurance as the mortgage is for a condo and the condo association maintains the insurance on the structure. The one response I did get from Shellpoint was that they had cancelled the lender placed insurance in XXXX, which still doesn't explain why over XXXX XXXX dollars was taken from my escrow in XXXX. Even if they placed insurance in XXXX and cancelled it in XXXX it wouldn't cost XXXX for less than one month. And now my mortgage payment has gone up for {$150.00} per month to cover the escrow shortage. I am truly hoping you can assist in getting my money returned to me. I am aware that mistakes happen, but Shellpoints unwillingness to correct the situation is unacceptable. By now they are in violation of Reg E as they have failed to address my concerns in a timely matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the CFPB to request that Equifax, the credit reporting agency, block certain information on my credit report due to identity theft and fraud, as per FCRA 605B ( 15 U.S.C. 1681c-2 ).

Specifically, I want the following fraudulent accounts removed from my report : 1. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$8700.00}. 
2. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$8200.00}. 
3. A banking account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
4. A personal credit card account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$550.00}. 
5. A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5100.00}. 

These fraudulent accounts have led to multiple hard inquiries and collections showing up on my consumer XXXX credit report. Ive attached a list of these hard inquiries and a copy of my consumer XXXX credit report from Equifax that includes these fraudulent items. 

I do not recognize any of these accounts or hard inquiries. They were not opened, made, or initiated by me and are the result of identity theft and fraud. To support my case, Ive included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] that confirms all these accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit card or prepaid card

I disputed 2 fraudulent XXXX  charges with Chase, my credit card company and they claim that these charges are not fraudulent. I asked them to review this a second time and they state that they have reviewed it and I indeed receive the service. 

The charges were on XX/XX/2020 for the amount of {$560.00} and XX/XX/2020 in the amount of {$1000.00}. 

I am even willing to show them my XXXX account that doesnt have any of these rentals. I have attached a screenshot of my profile and the trips to this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized hard inquiries on my credit report that resulted from my auto loan application at XXXX XXXX XXXX XXXX XXXX, Florida. While I did inquire about financing, I only authorized one credit pull, but the dealership submitted my application to multiple lenders without my explicit consent, leading to an excessive number of hard inquiries.

The following unauthorized hard inquiries need to be removed : XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX & XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason for Dispute : I did not authorize multiple credit pulls. 
Under the Fair Credit Reporting Act ( FCRA ), inquiries must be permissible and authorized by the consumer. 
XXXX XXXX engaged in shotgunning submitting my application to multiple lenders without my consent. 
This excessive number of inquiries was not part of my agreement, and I was not informed that my credit would be pulled this many times.

Since these inquiries were excessive and unauthorized, I am requesting that they be removed immediately. If these inquiries can not be verified, they must be deleted from my credit report, as required by the FCRA ( 15 U.S.C. 1681i ).

I have enclosed the following documents to support my claim : A copy of my credit report with the disputed inquiries highlighted A copy of my drivers license or government-issued ID A copy of a utility bill or bank statement for identity verification Please investigate this matter and provide me with a written response within 30 days, as required by law. If you need any additional information, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( 3 ) credit bureaus whereas this account appears that I have no knowledge when or where this account was originated.