23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was in forbearance for XXXX relief which ended on XX/XX/XXXX. I called in XXXX to discuss my options for bringing my loan current and was told I was calling too early and to call back in XXXX. I called back at the beginning of XXXX and was given XXXX options : pay the full amount of arrears, defer the missed payments to the end of the loan, or get a modification. I told her I needed the modification because my financial situation has changed. She told me she'd send the request and someone would be in touch with me. I never heard from anyone. Then I received a letter in the mail telling me my deferral was approved. I called back and asked why my payments were deferred when I asked for a modification and was told the first woman never sent the request. This woman told me she could see in the notes that I had asked for a modification and not to worry, she'd get it fixed. She told me someone would be in touch. A couple of weeks went by and I hadn't heard from anyone so I paid my XX/XX/XXXX payment on XX/XX/XXXX. A few days later, I received a phone call from someone telling me my loan was in default. They had reversed my deferral and credited my payment to the arrears, She said I had to pay {$22000.00} to bring my loan current. I explained everything to her regarding my prior phone calls and she said she could see it all in the notes and that my loan was sent for modification approval. She told me not to worry, someone would be in touch. Today I received a letter in the mail that says I have to pay {$23000.00} or they're going to start foreclosure proceedings. I called again and spoke with someone who left me on hold for over an hour and told me to ignore the letter, " everything 's fine. '' She said my modification has already been approved and I've already signed all the documents. I've signed nothing, nor has anyone called me or told me my modification has been approved. When I login into my online account, it's showing me that my loan is in default and that I owe mortgage payments back to XX/XX/XXXX. Telling me to ignore a default letter seems like an underhanded way to take my house. I asked twice to speak to a manager or a supervisor and was told there were none available to talk to me. The 15 grace period for my XX/XX/XXXX payment which I already made but wasn't credited, is up today. I was told not to worry about a late payment being reported to the credit bureaus but I don't believe that either. " The Consumer Financial Protection Bureau ( CFPB ) issued a new rule requiring lenders to allow borrowers with certain hardship qualifications to modify their loans through a streamlined process. This rule went into effect on XXXX XXXX, XXXX, and currently extends through XXXX XXXX, XXXX. '' If this requirement ended on XX/XX/XXXX, it explains why they told me to call back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account is settled and older than 7 years, it needs to deleted off my credit report. I need to purchase home and this is hindering it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX Experian / XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : Request for Investigation of Unauthorized XXXX Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in XXXX XXXX XXXX and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/, XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXXf XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Debt collection

This debt is fraudulent. I have never done business or contracted with Columbia debt recovery. I have never consented to them accessing or sharing of my personal or private information which they have obtained. This fraudulent reporting is damaging my personal and business credit and I intend to seek damages to the fullest extent of the law. This company was made aware prior to reporting this debt that it was fraudulent yet they maliciously reported it in an attempt to harass and annoy me into paying something not owed to them. No consent has be granted by me either written or verbally that gave them consent or authority to access or share my private or personal data. I rescind any implied or indirect consent to access my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called XXXX XXXX credit card to resolve this and they said i could not pay them and the account had been deleted but they are telling experian that the account is correct and that i am missing payments and they report to the credit s every month that it is a charge off and they have sold the account to XXXX XXXX so i called them to pay off the account but they said they had trans fered it to some one else so they could not take the money put they are telling experian the account is correct but i cant pay ether of them so i have ask them to be removed if they cant take payments on the accounts how do i fix it
Product: Checking or savings account

XX/XX/XXXXXXXX  through XX/XX/XXXXXXXX  Unauthorized fees and charges to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT MARK AS DUPLICATE. XXXX  XXXX XXXX pulled my credit without a credit application and has refused to investigate and provide a copy ( because there isn't one ) and have since frozen my business accounts in retaliation. I don't know anywhere else to go for help other than to file a police report or go to the Attorney generals office. please help
Product: Debt collection

Continued phone calls on personal cell phone and a company issued cell phone. When calling the number I was told it was Portfolio Recovery regarding a " couple '' debts owed. I asked what debts they were I was told a XXXX XXXX account and XXXX account listed under a bankruptcy. I informed them I asked in writing for proof of debt and proof that they owned the debt, approx. 3 years ago, I was told I had to ask for it in writing. I informed them again I did not owe a debt to XXXX XXXX and if I did have a account listed under bankruptcy it was illegal for them to collect. I was then told they did not know what I was talking about, they are not trying to collect on any debt under a bankruptcy, this was all said during the same phone call. Portfolio Recovery was trying to collect on a debt under a bankruptcy until I told them it was illegal. I filled a bankruptcy in 2002, how can this company even have information regarding accounts listed on that bankruptcy. I have been dealing with harassment from this company on and off for over 5 years. How can they be allowed to do this. I ask for validation of this debt in writing over and over. They never send it, then continue to tell me I have to ask for it writing. I do everything I am suppose to do, they do everything they can not legally do, yet I have to put up with the harassment. When will something be done about this company ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that 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 requiring 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 material misreprensentation of fact by me relevant to the request to block the identified transctions. 


This is the second complaint I have filed to recify this issue with Equifax and XXXX. XXXX has completed and updated the information as needed. I was told by a representative at Equifax that the FTC report was incorrect. XXXX has not updated anything nor has they properly verified the information as they have the WRONG social security numbers listed on my credit report which is basis for INSTANT REMOVAL!! ( see attached report and coountless of incorrect addresses ) They have yet to confirm if any of these companies have a signed SSA-89 form which is how the information is verifed. I am tired of going back and forth with these CRA 's. 
They have a DUTY to ensure my report is CORRECT, FAIR and EQUITABLE to me as a CONSUMER. ACCTS : XXXX XXXX XXXX ( no acct number listed on EITHER report ) ; XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

On XXXX, XXXX  XXXX to notify them that once again the insurance was filed wrong, and not with all the insurance that I have, I provide XXXX  XXXX associates the correct information to refile with insurance companies, The person name XXXX XXXX stated that she would take care of it, On XXXX Americollect put bill on my credit report stating that bill was not paid, I explained to them that it was filed with wrong insurance company to process the remaining balance, the bill amount was XXXX, XXXX XXXX paid XXXX plus XXXX, the other insurance was listed as not paid, when I reached out to Americollect collections I talked with XXXX, she stated that bill was showing pending due to insurance, I then asked if it was showing pending why did they put on credit report, she stated for non payment I stated to her that, that was not true that I first insurance paid XXXX and XXXX, and that they failed to file with other insurance company, and that this should be removed until resolved, I called the insurance company they stated that the bill was not ever filed with XXXX, I called back and spoke with XXXX on XXXX, and asked what do i need to do to get resolved not answer was given.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I have beg you for years to expose the scammer that used my identity to get a loan and used credit cards in my name and you finally provided one of the perpetrators and you fail to put the information on the portal please put the details on the consumer Financial Protection Bureau Portal not just email to me but also post it here too. You are fraudulently telling me to use XXXX XXXXXXXX XXXX last four numbers of their SSN number as password to get details again I don't know XXXX XXXX XXXX and never gave them any authorization. Please post the details on this portal. 


Email from XXXX Came to me- XXXX at XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number - XXXX XXXX You appear to finally festing up and should follow FCRA.
Product: Checking or savings account

I reported to Renasant Bank that on XX/XX/year>, my accounts, savings and checking were compromised and drained down to almost nothing over a series of back to back withdrawals and transfers by an unauthorized person using some form of XXXX XXXX to do so claiming to be me. The amount the bank is responsible for is {$3000.00}. Even though I have insurance with that, Bank and I thought all banks were insured for these types of situations they refuse to pay for the loss, even though they admit that it was fraudulent. They claimed that they did their investigation and that they concluded it was me who did this to myself. That is what hackers do they try to make it look like you or someone else did it. Why would I do that to myself? Makes no sense. The name on the cash app transactions was XXXX XXXX. An alias Im sure. As far as XXXX XXXX, they claimed they did an investigation as well, and that there was no fraud on their part. I never could get an honest name out of them as to who I was discussing this with it was supposed to be some sort of manager without a last name
Product: Debt collection

Requested debt validation for this account .. have not received sufficient documentation that to support this debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on. I asked that they send me the methods of verification.
Product: Mortgage

Rushmore LM is the Mortgaging processing company. On XX/XX/XXXX, they sent me a notification that my loan was sold and transferred on XX/XX/XXXX, my loan was sold and transferred and was completed on XX/XX/XXXX. This violates XXXX XXXX stating, '' Fifteen notice must be given prior to the sale and or transfer of a mortgage ''. As well as completed within XXXX XXXX of the advanced notice. They failed and violated my rights as usual. When is CFPB going to do something about Rushmore continuous violations of my rights. XXXX or XXXX attempted modifications, each time they lose documentation so they can deny me. Using automated dialing and voice messages to contact my cell phone in direct violation of FDCPA. They claim they are allowed to do so. About XXXX received over past XXXX XXXX Enough is enough
Product: Mortgage

I had received numerous letters from my mortgage company about refinancing, so I contacted in them in XXXX 2015 and completed the application and submitted the required documents. The appraisal was ordered and completed and I was sent a copy. I waited to hear back from the processor as far a closing date. After not hearing a status update for quite sometime I contacted the processor and the processor told me that there were judgements against the property and that was the delay. I was told that as soon as the title was cleared I would go to closing. I have a very common last name and I mentioned that to the processor and also that these judgements were not valid. I monitor my credit every 4 months thru XXXX and nothing had ever appeared on my credit report. Also, I ' am very sure that if these were valid they would have been an issue from the beginning of the process. I was sent a copy of these judgements and none of the names were matches or were even close to my name, social security number or my address. I became frustrated with this process because I was not getting any cooperation from this processor or the title company in clearing the title in order to get this loan request to closing. I was never given the name of the title company and was never contacted by them in order to try to clear up this problem. I sent an email to the processor stating that I was ready to contact the Banking XXXX or any agency that could assist me in getting this problem cleared up. One week later I received a Credit Denial letter stating that there judgements on the tittle and that was the reason for the denial of my loan request.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXXXXXX XXXX {$1900.00} XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX  XXXX {$29000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$330.00} XX/XX/XXXX Also please immediately remove the unknown names and unknown addresses that I listed on my FTC identity theft report that I have attached... Thank you
Product: Mortgage

I have recently filed a complaint to the morgage company pertaining to a request to reconsider repayment plan of back morgage payments due to long XXXX forbearance. My first XXXX request was for a payment of over {$2500.00}, which is far beyond what I could pay with my salary and bills ( which include student loans ). On the XXXX of XX/XX/2024, someone called for the Ombudsman Department called multiple times in the morning, I called back and told them that I would call back after my meetings, I did so that day and left a message. I called again XXXX the XXXX and left another message, and again XXXX. I called the regular mortgage company number and got a rep on the line, told the that I was calling back all week. After talking to them they said that I had no other options if I could not make the payments that they sent in the agreement, and my only options was short sale or deed in lieu of foreclosure and told me that they could take that application over the phone. I told them I would have to think about this. Within a XXXX minute period after the call I received a notice of response to the CFPB stating that there was a request to have investors of the loan consider my request.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

On XX/XX/2022 I have contacted Experian, XXXX and XXXX repeatedly over the last two months regarding my Identity theft situation giving them the police report and the deletion letter from one of the Creditors XXXX  and the Credit Reporting Agencies are still reporting inaccurate and misleading information. It is now XX/XX/2022 and the accounts are still not deleted. The Fair Debt Collection Practices Act section 807 refers to false or misleading representation in which the Credit Reporting Agencies are in evident violation of. The following conduct is a violation of this section : 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The Debtor is falsely accusing me of a debt in which I am a victim of in Identity theft and so therefore should be permanently removed form being inaccurately reported. XXXX provided additional statement stating the liability of the debt is not applicable and yet it is being reported on all three credit reporting agencies as means of determent. I am reporting the inaccuracy in reporting, investigation and requesting that within 5 calendar days of this final reporting of this violation that the Experian, XXXX and XXXX immediately delete the XXXX and XXXX XXXX XXXX accounts immediately as I am in pursuit of seeking litigation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

financial hardship caused a late payment XX/XX/2016 requested several times that this late payment be removed due to outstanding payment history
Product: Credit card or prepaid card

I made payments totaling {$1000.00} on XX/XX/XXXX. My card balance was only about {$500.00}, so I paid more than what I owed. My bank shows the {$1000.00} was removed from my account on XX/XX/XXXX. On XX/XX/XXXX, Chase stated that they will not give me any credit for those payments until XX/XX/XXXX even though they have received the funds. They say this is because a previous payment did not go through because it was mistakenly made from the wrong bank account. I understand not crediting my card until they actually receive the payment, but there is no justification for withholding credit after the money is received. When I spoke to a XXXX at Chase by telephone to fix the problem, she told me it was a new policy and abruptly hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute to this agency and their investigation stated that these accounts are accurate. I have provided proof to show an accuracy reporting also under 15 USC 1681 604 A section 2 states no consumer reporting agency shall furnish a account without book assumer written instructions I did not give this consumer reporting agency written instructions I am requesting that you show my written instructions on file to furnish these accounts XXXX  XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion only to receive rude reps unwilling to assist. I have a XXXX alert on my profile and would like to dispute these fraudulent inquiries. I have not applied for any of these services. I have contacted all companies involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During Covid I was late on a few payments and I called the companies XXXX XXXX XXXX and Bank of America and XXXX and told them that we were going to be late due to the shut downs for covid. they still reported late even when I gave them the articles from the House of Representatives stating that no late payments can be reported on the credit reports during covid, Per the President of the USA